BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-12
Company: United Student Aid (USA) Funds
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I sent a letter to USA FUNDS letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and USA FUNDS refuses to delete the fraudulent accounts from my credit report stating in a letter its verified. USA FUNDS provided no physical evidence to why they wo n't remove it, according to the FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. Below is the account information USA Funds needs to delete. 
Account Name U S A FUNDS Account # XXXX Account Name U S A FUNDS Account # XXXX

Company response to consumer: Closed
Consumer complaint received 2015-03-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
To Whom It May Concern, In XXXX, I wrote a formal letter to the XXXX main credit bureaus Equifax, Transunion and Experian requesting them to close an investigation for disputed items on my credit. I requested them to remove the " DISPUTE REMARKS '' from my credit report since the investigation has taken over 90 days. 

I am attaching a copy of my credit report, SSN card and a copy of my driver 's license for reference.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CL Holdings LLC
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Upon checking my credit report on XX/XX/XXXX, I noticed information for Jefferson Capitol System in the amount of {$2600.00}. The agency reported the debt to my credit reports on XX/XX/XXXX, however I never received any notification of this debt, validation of the debt, or information on my right to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Synerprise Consulting Services, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Afternoon ; I was actually shocked over the weekend to find a new medical collection from Original Creditor Name XXXX XXXX. I immediately contacted the company directly and spoke with XXXX XXXX and i gave her my full name, ssn, DOB ; and address - she said that she can not locate any file under my name. The strange part is that this account was reported on my credit over the weekend but it says that it was opened on 2014, and the comment stated that the consumer dispute, and it's under re-investigation. How is that even possible? I never called until today. Just the fact that this is on my credit is in violation of both state and federal consumer laws under the provisions of HIPPA, FCRA, FDCPA, etc and much more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: TD BANK US HOLDING COMPANY
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:
I was in the process of purchasing a car for my daughter & I got pre approved by XXXX XXXX ... I contacted two dealerships ( XXXX XXXX in XXXX & XXXX XXXX XXXX ) & forwarded my pre approval with XXXX XXXX but they still ran my credit without my consent ... They knew I had a pre-approval & I wanted to go with XXXX XXXX ... I emailed them my pre-approval as well so they would know the condition of my car loan ... Now I have all these hard inquiries on my credit report which should not be there ... The only one  that should appear would be XXXX XXXX & XXXX ( my credit union ) which I applied with before I got my pre approval with XXXX XXXX. TD AUTO, XXXX XXXX, XXXX XXXX & XXXX XXXX should have not ran my credit ... I have attached the emails between the two  dealerships showing they knew I had a pre-approval through XXXX XXXX ... Please have them delete these HARD inquires of all three  credit bureaus ... Greatly appreciate it ... Thank you ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I cosigned on a student loan for my Brother and he failed to make a single payment, which was due on XX/XX/XXXX. On XX/XX/XXXX, I began receiving automated phone calls from Sallie Mae, reference " A business issue '' and directing me to call a number they provided in the message. Due to ongoing fraudulent activity with such calls, I did not return the call, however, I did check the account and noticed the account was a few days past due. I contacted my Brother and a full payment was made. After making the payment, I received three more automated phone calls from this company, each one to one and a half hours apart from each other. This type of harassment is unacceptable and is taken as telecommunications harassment and in violation of FTC regulations. To receive constant phone calls such as these every hour to hour and a half if a violation of it 's own and taken as harassment, but to receive NUMEROUS phone calls AFTER the payment is made is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I can not access my account with my money. The account is owned by me, according to their agreement and their denying me access to the account. I have not had access to the account since XX/XX/2020.

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 2021-01-21
Company: Social Finance, Inc.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
SoFi offered a {$50.00} new account bonus and I opened an account via the dedicated landing page on XX/XX/XXXX and fulfilled all terms of the offer on the same date. The terms of the offer required that I deposit {$500.00} and that SoFi would add {$50.00}. 

SoFi did not credit {$50.00} to my account but instead credited {$25.00} on XX/XX/XXXX. 
I contacted SoFi 's customer support on via chat or about XX/XX/XXXX regarding the discrepancy and was told that the {$25.00} was for an unrelated promotion they were running and that the {$50.00} would be in my account within a couple weeks. 
On XX/XX/XXXX I against contacted SoFi customer support via chat and was told that the customer service agent would create a ticket for the issue and that the {$50.00} would be in my account within 10 days. 
On XX/XX/XXXX I again contacted SoFi customer support, this time via phone, and was told that a third party I have never met needs to complete a W-9 before they will credit my account the {$50.00}. Or at least that " might be the problem '' but that I would need to call back the next day to find out more. The contract offered to me by SoFi via their website makes no reference to my needing to gather information or other deliverables from any other party in order to receive the {$50.00} and if I had known that SoFi was seeking my assistance in completing their compliance paperwork for another individual I would never have opened the account or transferred any money to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
While in college at a public university, and having scholarships, grants and small amounts of federal loans, my brother and sister died in a car accident, I moved home right after. I transferred and began taking my classes online, I took out some loans to cover this, My step-father and mother promised to help repay them. They just started a business and it was on its way to becoming profitable. My mom all the sudden and became very ill, she was the cosigner on my sallie mae debt ( about $ XXXX ). Sallie Mae harassed me after she died to pay the loans in full and I made full payments for a year or so, I was about a semester away from graduating with my XXXX but could not because of my mother 's death. Then my step-father fired me, took all of my mother 's estate ( I was unable to afford a lawyer at the time ) and kicked me out of his life, I was homeless for awhile and I managed to get a new job and pay as much as I could on my loans. Sallie mae is harassing me at my new work, and calling me all the time. Many times they are very rude and do n't offer me anything, one time they reduced my payment and said it would bring my account up-to-date and it has not. They lied to just get some money from me. I am struggling and every time I call - they are very rude. I wish I could change the situation and be able to pay. I am struggling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: Element Global Services
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
COLLECTOR LEFT A VOICE MAIL WITH INFO TALKING ABOUT LEGAL ACTION SO I CALLED AND WHEN I CALLED THERE WAS WAS NO MIMI MIRANDA NO VERFY OF THE ADDRESS THE COLLECTOR WAS GETTING REAL RUDE AND HUNG ON ME ... SO I CALLED BACK I ONLY SAID MY NAME AND THE LADY JUST WENT IN TRYING TO TELL ME WHAT I OWE I SAID I WAS DISPUTING AND I WILL FAX THE INFO ... THEN I THOUGHT I WORK AT A COLLECTION AGENCY AND I NEW IT WAS A VIOLATION AND TALKED TO MANAGER AND HE GAVE ME THE INFO

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX is repeatedly calling my work. I have included a log of the calls received just in the last few days, I deleted the others. 

XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/2016 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 2015-12-11
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2015, I logged on to my PNC account from home to pay my bills online. I have XXXX accounts, XXXX XXXX and XXXX XXXX. I selected the Virtual Wallet account and then proceeded to pay my bills. The next thing I knew, on XXXX XXXX I received an email saying that my Standard Checking account was overdrawn. I logged onto My accounts and XXXX of the bills had been paid from my Standard Checking. I, at no time, selected Standard Checking as the account I wished the bills to be paid out from. I was charged XXXX {$36.00} overdraft fees. I contacted PNC about this. They directed me to the Online Escalated Service department. Their representative stated she understood what had happened but her system would only permit her to refund XXXX {$36.00} overdraft charge. She stated that because I had had XXXX overdraft charges refunded to me in the past 12 months there was nothing she could do. I do not recall having been refunded that many overdraft charges. Maybe XXXX or XXXX but even if I was I do not see why I have to pay anything in this instance when this was not my error. I informed her that I would be pursuing this because it appears to me that the system defaulted to my Standard Checking in the middle of doing my bills and if this is the way it happens, then the consumer is set up to fail. XXXX of my bills did come out of the Virtual Wallet account then switched over and took the next XXXX out of my Standard Checking. I did not do this. Why would I suddenly, in the middle of paying my bills, switch over to the account that did not have the funds to cover them?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I currently have a student loan account with the lender Sallie Mae in the amount of approximately {$27000.00}. Since my loans have come due, I have made timely and consistent payments on my account and have kept my account current and in good standing. 
I have contacted their customer service department multiple times in an attempt to gather information as to what repayment options are available to me in the event that my employment status changes or my income significantly changes, causing me to no longer have the ability to afford my current minimum monthly payments. I have been told by multiple representatives, including my loan supervisor, that while my account is current the only option they can discuss with me is the option of a hardship forbearance. I have explained that I would like to avoid this option, and have requested information regarding any other options which may exist, but have been told that until my account is past due or defaulted upon they will not disclose information pertaining to any other options available. They have indicated that were my account to become past due or defaulted upon, their collections department would contact me to discuss available options for adjusted repayment, but so long as my account is current they will not. The explanation I received as to why no further information could be provided was that providing such an explanation may motivate customers to purposefully default on their loans to take advantage of these repayment options. 
As a customer in good standing attempting to take a proactive approach to my loans in a time of uncertainty with regard to my employment and income, it seems rather counter-intuitive that I can not receive information regarding my repayment options until I am in default, because providing me with the information they are withholding may cause me to purposefully default on my loans. It seems that the only way to obtain the information I seek is to do exactly what the lender is supposedly trying to prevent, and allow my loans to become past due. I would really like to avoid any delinquency on my account, which is what spurred my contacting Sallie Mae regarding this situation in the first place, however it appears that their repayment system is designed to reward borrowers who fall delinquent and punish those borrowers who find themselves in uncertain circumstances who yet wish to remain proactive in their repayment with a lack of information and a firewall of bureaucracy and policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a financial hardship that started XX/XX/XXXX. By XX/XX/XXXX, I started falling behind on my mortgage with Wells Fargo. I immediately contacted my servicer stating that I was having financial difficulties. XX/XX/XXXX, they proceeded with the forclosure process. I responded immediately that I wanted to bring my loan current and stated that I needed a repayment plan to catch up, but they denied my request along with all my previous requests for a forberance plan and repayment plan. I was denied of my legal right to bring my loan current. Instead, I was railroaded to different departments for several months without a cleaar answer, neither in writing or by telephone. I contacted XXXX, attended their conventions several times without success of achieving a repayment plan. They only offered loan modifications or relocating assistance. This whole time, all of my requests have been ignored. It has always been my intention to pay my mortgage and continue with the loan terms as they are. I am holding Wells Fargo responsible for ignoring my request and their delaying tactics that cost me an enormous financial harm and the possibility of losing my home.

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 2015-08-12
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Late fee

Complaint:
I purchased a bed and financed it for no interest with equal monthly payments through synchrony bank. I have been faithfully making my payments each month for about a year and a half. Last month I rcvd a bill that stated that I did not make my XXXX payment. I thought I had made it but did not give it much thought as I had a death in the family and a lot going on. I made an extra payment in XXXX to make it up. Then last night XXXX/XXXX/15 I rcvd a call from synchrony bank stating my account was past due. So I kept them on the phone and logged into my bill pay account. While going over the payment dates with the clerk I saw I did make my XXXX payment on XXXX XXXX. She stated that since I made the payment before my statement generated they applied it to the balance and stated I had a late payment and charged me a late fee. Not sure how, but I ended up having XXXX in late fees added to the account. Well after several phone calls from out of the country they refused to fix anything they just wanted their XXXX, likely to hit their " goal ''. I called this morning and spoke to a customer service rep in the XXXX. He did fix the issue and removed the late fees. However, he did tell me that this happens to a lot of people. I felt like this was a fraudulent way to try to make money off of my account as it is a no interest account. If I had not noticed or rcvd the phone call I may have paid it even though my payments were never late!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
This was a marketing scam that solicited a Vacation Invitation which lead to defendant " XXXX '' fraudulently opening a credit card in my name that has cost me thousands of dollars and has damaged my credit.

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 2017-03-03
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Freedom Mortgage grossly and negligently estimated my escrow amount over the past few years and ended up with a shortage of nearly {$2000.00}. They now want me to pay in full for their inept skills, increasing my total monthly mortgage payment by nearly {$250.00} and adding a tremendous hardship. Freedom Mortgage is now demanding this additional payment under threat of reporting me to the credit bureaus and charging late fees. Their use of position and authority to try and intimidate me is both discouraging and serves as one of the many reasons for this complaint. If this information is published publicly, please let this serve as a warning : Freedom Mortgage deals dirty. 

Also worth noting is their sudden insistence ( at the same time of this so-called " escrow shortage '' ) to refinance my home or else take out an equity line. I believe they are using this " shortage '' as leverage to fish for more business.

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 2021-01-20
Company: EQUIFAX, 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: Account status incorrect

Complaint:
In XX/XX/2019 filed Bankruptcy XXXX. Items not to be reported and a stay was on the account until XXXX 2019. Paid as required. Then COVID occurred. Called XXXX XXXX XXXX XXXX, they are still showing in bankruptcy. Told me to call the Bankruptcy Dept. Did call. They told me to not pay during covid and granted a forbearance. I asked for how long, they said till further notice and after out of unemployment due to covid. 
I received notice they're reporting it late on credit. During Covid. I called again, they said again, have to go thru the bankruptcy dept ( BK ). BK said not supposed to be showing on the Credit report due to forbearance AND they still have it in BK status. Not supposed to be reported. 

Still reporting late and overdue. Received 3 verbal confirmations- in forbearance, not supposed to be paying OR reporting during COVID. 

Currently have several reported late pays and affected FICO score greatly. Cost me 1 job, I lost due to deliquency

Company response to consumer: Closed with explanation