BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-12
Company: AES/PHEAA
State: TN
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 received two XXXX Grants : ( a ) {$3000.00} for Award Year XX/XX/XXXX-XX/XX/XXXX and ( b ) {$4000.00} for Award Year XX/XX/XXXX-XX/XX/XXXX Conditions of the XXXX Grant that would prevent it from converting to a Direct Unsubsidized Loan were : ( a ) I must XXXX as a full-time highly qualified XXXX in a high-need field, ( b ) I must submit annually a XXXX Grant Certification that states my intent to fulfill my XXXX Grant obligation and to document the the prior year 's qualified XXXX  service. 

I started XXXX at XXXX XXXX XXXX XXXX ( XXXX XXXX TN ) in XX/XX/XXXX and I sent certification for the calendar year of XX/XX/XXXX-XX/XX/XXXX.
I graduated with a XXXX on XX/XX/XXXX. ( Evidenced ) In a letter dated XX/XX/XXXX, XXXX  XXXX stated that my XXXX Grant Service Obligation Period Start Date was XX/XX/XXXX. ( Evidenced ) During the XX/XX/XXXX-XX/XX/XXXX school year I remained at XXXX XXXX and submitted certification for calendar year XX/XX/XXXX-XX/XX/XXXX. Due to confusion, this certification was sent on two different dates ( XX/XX/XXXX and XX/XX/XXXX ). ( Certification 1 ) ( Evidenced ) I transferred to XXXX XXXX XXXX for the XX/XX/XXXX-XX/XX/XXXX XXXX year. Certification for Calendar year XX/XX/XXXX-XX/XX/XXXX was submitted on XX/XX/XXXX. ( Certification 2 ) ( Evidenced ) I received a letter dated XX/XX/XXXX from XXXX XXXX confirming that I had two years of certification requirements remaining. ( Evidenced ) Certification for XX/XX/XXXX-XX/XX/XXXX was submitted on both XX/XX/XXXX and XX/XX/XXXX. ( Certification 3 ) ( Evidenced ) I received a letter dated XX/XX/XXXX from XXXX XXXX confirming that I had one year of certification requirements remaining. ( Evidenced ) Certification for XX/XX/XXXX-XX/XX/XXXX was submitted on XX/XX/XXXX. ( Certification 4 ) ( Evidenced ) A letter dated XX/XX/XXXX from XXXX XXXX confirmed and stated that " ... you have fully satisfied your service obligation for the program of study ... and ... You have no further XXXX, certification, or other obligations for these grants. '' ( Evidenced ) XXXX XXXX then notified me that the XXXX Grants had been turned into unsubsidized loans. 

I have made repeated phone calls to XXXX XXXX  to correct the error. 

In summation, my last XXXX Grant was received for the XX/XX/XXXX-XX/XX/XXXX XXXX XXXX year. I graduated from the XXXX Grant eligible program on XX/XX/XXXX. I then fulfilled my 4 years of XXXX and certification requirements for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX-XX/XX/XXXX. It is my contention that XXXX XXXX has either erroneously or fraudulently converted the XXXX  Grants into unsubsidized loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One -reported late payments during XXXX XXXX - Late payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
There were many errors on my mortgage documents, and problems with servicers with missing payments, unapplied additional principal, no refund for the overpayment of escrow, multiple cds, incorrect charging of taxes and insurance, misapplied payments, incorrect transfer of escrow to next servicer, Incorrect payment amount, incorrect tax forms, wrong initial loan amount, and The lender fraudulently Changing loan terms at 6 months and signing my name to them per XXXX XXXX department. XXXX. I sent a notice of error to XXXX, before Any corrections were made I was transferred. XXXX stated to me the Notice of error and their corrections are are the soul responsibility of my next service, Freedom Mortgage same as tge 1st servicer said yet to date nothing done. I started all over with freedom mortgage on the notices of errors, in writing. I once again have been transferred to a 3rd servicer and Informed it's not Freedom 's responsibility it'stability it's the new services responsibility and it's left to me to start all over again trying to get these items corrected after 2 years of constantly sending and spending hours on the phone to no avail. I now know though since I am studying to be a loan originator These companies have a responsibility to complete and correct these items I have requested by my multiple notices of errors in writing.

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 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like i am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 45 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-11-02
Company: Experian Information Solutions Inc.
State: AZ
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:
This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-02
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/2022 I tried to get a Prepaid credit card and checking account where the bank didn't use credit. The bank told me I didn't qualify. It was PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: SIMM Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have been having terrible financial difficulties for a couple of years now and have n't been able to pay off my debts in a timely manner like I used to. For one debt, I have been receiving letter after letter, phone call after phone call from a debt collector trying to collect the debt. That 's OK -- that 's their job and we do owe the money. However, yesterday, the lady from the debt collection agency called the co-signer on one of my loans and berated and harassed him, using mean and abusive language. She even suggested that he put his land and house up for sale or put it up as collateral to help pay off our loan. That is taking it way too far and is absolutely uncalled for. In addition, when they leave messages on our phones, they do n't do what every other debt collector does : say that the message is intended for someone in particular and if the person listening is not the intended recipient of the call then he/she should hang up. Instead, they just start spouting personal information, like the name and the account number of the debtor and then say that it is an attempt to collect a debt. I am appalled by the divulgence of my personal information in a voicemail message.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: POPULAR BANK
State: VA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My father died in XXXX, 2015 leaving his assets in a trust. As successor trustee I am liquidating all of the assets and distributing the proceeds to the beneficiaries of the trust. I have had trouble doing so with XXXX asset, a certificate of deposit with e-loan bank. I first sent the required information to what turned out to be the wrong address for the bank on XXXX XXXX, 2015. I resent all of the information ( death certificates, trust information, instructions ) to the correct address on XXXX XXXX. When I had not heard anything, I called e-loan bank around XXXX/XXXX/2015. I was told that the letter of instruction had to be notarized. In my previous conversations, I was not told this requirement and none of the other banks I worked with required this. 

I sent the notarized letter of instruction to E-Loan bank on XXXX/XXXX/2015. On approximately XXXX/XXXX/2015 I called e-loan bank and was told that my letter of instructions had not been received. It turns out that all of the offices of e-loan bank are located in XXXX XXXX, XXXX XXXX even though their mailing address is in XXXX XXXX, XXXX. The representative told me they were having trouble getting mail from the XXXX XXXX office. I had another letter notarized and tried sending it directly to the XXXX XXXX office at the address I was given but it was return undeliverable. 

On approximately XXXX/XXXX/2015 I again called e-loan bank and was told that my letter had been received and had been sent to the legal department for research. When no check had been received on XXXX/XXXX/2015, I called once again and was told the check had been mailed on XXXX/XXXX/2015. It is now XXXX/XXXX/2015 and the check has not arrived. It is not possible to speak with anyone at e-loan bank who has any authority. There is apparently no one in the United States I can communicate with. When the account was opened, there was no indication that this bank was anything but a bank operated totally within the United States.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i have attempted to dispute multiple inaccurate items from my report and the bureau keep verifying the wrong information and illegaly placed information as accurate and verified. i have received absolutely no items as proof that an investigation occurred. it has been over XXXX days and i have not received and investigative results. they are reporting wrong information and refuse to delete or fix.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: Experian Information Solutions Inc.
State: FL
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX {$610.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-02-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX/Carrington Mortgage Service is denying me a loan modification. I have had a medical hardship which temporarily reduced my income. They say that an investor or group of investors wont approve my loan modification request even though I have enough income to pay my monthly mortgage payment and had been paying a payment each month demonstrating my ability to pay. Apparently XXXX XXXX XXXX XXXX XXXX XXXX  is the trustee for the investors. I would like both of these companies to be contacted about my complaint. I believe Carrington is a dishonest servicing company based on the misinformation they have given me and failure to provide responses in a timely manner as required by law. My second major issue is they have failed to have a face to face meeting with me or respond to my letter requesting that. I spoke with them on XX/XX/XXXX and they verbally tried to discourage me from a meeting, saying the meeting would do no more for me than what I could do by phone. I pushed for a response to my written request and was placed on hold while a manager was contacted. I could not speak to the manager and was told the same thing again and also that I would have to drive 200 miles for the meeting that they would not come to me. I said fine, I continue to request the meeting. The gal said she would give another message to her manager and they would call me but if I didnt answer wouldnt leave a message. I do not know who my actual mortgage holder is and can not make any headway with Carrington in order to save my home. I have a substantial amount of money to pay towards the past due, but they refuse to negotiate. The only option they have given me is to pay XXXX on the XX/XX/XXXX but they cant guarantee they will accept that after that or tell me how long I have to pay that amount. I almost have that total amount and will have it on the XX/XX/XXXX and will attempt to get them to accept it. They are shady and dishonest and havent been following their own information and timelines they provide in writing. The servicer also changed the terms of my original mortgage holder and started refusing to accept late payments on different terms than the original mortgage holder did. They also failed to pay my taxes on the property for one of the parcels and then when I found out they raised my monthly mortgage payment to make up for their mistake. I would also like a copy of the note or deed for my home that shows who supposedly owns it now. My mortgage had changed hands so many hands I no longer no who I actually owe the money to and how to contact them. I really need help dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Early Warning Services, LLC
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am trying to get a report from Earlywarning, on information being told about me. I 'm told I have to send a copy of my drivers license to prove my identity. However this company asked me for my social when I called. I feel sending a copy of my identity in the mail puts me at risk for identity theft which is strongly on the rise. I am refused a copy of this report to be able to fix or dispute because I refuse to send in a copy of drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX usbank did not pay all my insurance and I lost my 1 % deductible which I was grandfathered in in Louisiana. Cost me $ for their neglect. I then had to entered into loan modification. XXXX they required {$3200.00} by XX/XX/XXXX which I paid and my note would be @ {$500.00} a month with @ 2 % interest. Nothing till I filed a complaint w cfpb. Then within two weeks I was offered another loan modification XXXX, I paid my XXXX note and I tried to pay XXXX note which they refused because they sold my property. They recended the sale and said I did not comply and said I failed and wanted the rest the next day. I am in the XXXX trial and paying XXXX payment. I have found out that I no longer have escrow because of sale and my taxes were not paid and have not had insurance now again because of their errors I am again being threatened by them again enormous fees because of their errors. I do n't trust them. I have been threatened eviction when they sold my house. I have been cooperating and they continuously drop the ball. I have applied for loan modification for over five years and they have had me apply again an again and go through money XXXX times now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-20
Company: U.S. BANCORP
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I recently obtained a new lease loan with US Bank. They do not report to consumers what the payment amount is, when it is due or the loan balance. They said they will only report the payment amount and due date ON the date its due. So I will never know what balance is due to be paid until XX/XX/XXXX when they expect payment. They also do not allow online bill pay unless you bank with them. They refuse to accept repeat payments unless you bank with them. They do not enable customers to make ongoing payments, they force you to manually enter your routing and account number every time you want to remit a payment. They only allow customers to make a payment to be drafted the same day, they refuse future/ongoing payment ( s ). Finally, when a payment does not process correctly, they do not maintain the account information entered. Therefore, they can not determine where the error took place, their banking institution or the consumers. This seems to be very shady practices not allowing me to access payment amounts until the very day it is due.

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 2015-04-04
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am a US Bank XXXX XXXX Visa member. I pay an annual fee They advertise a benefit on hotel stays when booking with their hotel rewards program and for being their Credit card customer. They changed the terms and will no longer offer the benefit of XXXX night free on hotel redemptionshttp XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-02
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 paid off my credit card in XXXX and closed my account. The online access was turned off and i received no other notices or phone calls In XXXX I received a letter from a collection agency for less than {$20.00}. When the letter was received it said the account was 30 days and i should call immediately. I called and it was regarding my regions credit card ( i have banked with them for years ) and i had to call them to discuss. I called customer service and they agreed that I should have been notified. She zeroed out the account and would report it closed. and said to remove the credit mark ( the only one I have ever had ) i would need to dispute through the credit agencies and she would make notes to approve the correction to my credit. I did and they are refusing to remove the mark. I had no notification that there was residual interest after payoff until it went to a collection agency. They turned off access to my account as well. I feel this is unfair to not do what they said they would do. I have a perfect history and this has impacted my score.

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