BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-21
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My wife and I have filed paperwork multiple times with FedLoan Servicing to have our billing combined. This has never happened. I also submitted a large sum payment 2 years ago, and have been trying to get FedLoan Servicing to bill me monthly rather than simply treating my loan as paid ahead. On XXXX XXXX, 2016 I notified FedLoan Servicing of these issues using their online " contact us '' email system. I explained the issues, and asked that they contact me as soon as possible. Other than sending a standard automated response almost immediately after I submitted my online email, FedLoan Servicing has never provided a substantive response to my request. 

My wife had a very similar experience with FedLoan Servicing a couple of years ago to discuss adjusting repayment options after I lost my job. She even filed a complaint with the Department of Education 's ombudsmun because it seemed they did not want to take any actions that would help us pursue income based repayment options reflecting our adjusted income at that time. In response, FedLoan Servicing lied to the Department of Education and claimed they had responded to my wife 's email, although they never had. I share this because FedLoan Servicing seems to have a lengthy history of disregarding communications, offering consumers the illusion of a convenient communication option but then ignoring these communications. It seems likely that this keeps students in repayment plans for as long as possible that are beneficial to FedLoan Servicing under its contractual agreements as a loan servicer, as opposed to actually performing the function of servicing federal student loans. 

No company should profit from servicing loans on behalf of taxpayers in such a poor, underhanded manner. FedLoan Servicing should provide adequate customer service and if the organization does not want to respond to messages submitted via its online log in system, then it should not even offer this as an option as it is a bait and switch. It makes consumers believe they have initiated a communication to address a problem, only to follow up and then continue to be ignored. It 's absurd and must stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
i took out a loan from them. i gave all my monthly payments. onXX/XX/XXXX i get an email telling me that the loan was paid off. ( see the attached document ) after that about a month later i get an email saying that i owe them for a payment that was not done in XX/XX/XXXX. i called in and i told them that they never told me that that there was a payment missing. 
i told them that i have in writting that states that the loan was paid off. 
i requested to speak with someone and was transferred to a " complaint voicemail and never heard back. 
about 2 weeks ago, my account overdrafted because they charged a check for the apyment that they state was never made. 
however i never heard back from my complaint and they never told me that they would charge my account. 
the check that they made to charge my account is also attached. 
it is not my fault that they failed to complete their process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to do a loan modification with SPS. SPS is stating to me that because I had other reviews in the past the investor says I am not eligible. I next submitted a short sale and SPS approved this short sale. I had several judgments and liens to get cleared up in order to make the closing on time. We got 2 extensions from SPS and when were ready to close we asked for a 1 day extension and SPS declined this extension. 

SPS then closed the short sale review. The very next day we resent the entire short sale file to SPS and they stated the investor which is the XXXX XXXX XXXX XXXX XXXX would not open a second short sale review per their guidelines. I spoke to XXXX XXXX XXXX XXXX XXXX  and they stated I am eligible for a short sale because there is no sale date within 37 days of the review and they told me to resend the file to SPS. 

It seems SPS is making up rules on their own rules as I spoke to some of their other clients who have SPS but a different investor and SPS is telling all clients they are not able to do a second short sale review because the investor only allows one review, no matter who the investor is. SPS should open my short sale review. I am eligible and they refuse to confirm this with XXXX XXXX XXXX XXXX XXXX. They should also open the review because these short sale documents were submitted 37+ days prior to any scheduled foreclosure sale date. 

This is unfair to me, the buyer, and all parties involved in this short sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
There never was any proper chain of title which I now have proof of and in XX/XX/XXXX I received an IRS form XXXX for XXXX from the " servicer '' with an open loan number and zero owed on the principal balance of the home yet I was unlawfully foreclosed on XX/XX/XXXX?? They never applied the insurance from my husbands death until XXXX after a letter was sent to the Colorado Insurance Commissioner?? My husband passed XX/XX/XXXX and they were fully aware of the insurance which I also have proof of. I have so many documents of the corruption and theft of my home! I fully expect justice to be done and my home returned to me and punitive damages to be paid! 

I have a series of events and all documentation of any and all allegations.

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 2021-09-23
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I opened a credit card account with Chase Freedom XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX account number XXXX this account can be seen on my credit report ( See exhibit A ). I paid this account monthly as seen on the history from my bank payments ( See exhibit B ). On XX/XX/XXXX, I purchased a product for my XXXX  through XXXX XXXX  XXXX in the amount of {$370.00} ( See exhibit C ) and used the card mentioned above to pay for this purchase. 
Some time whet by and I did not install the product I had purchased and at the end of XX/XX/XXXX I realized the item I ordered was the wrong product for my XXXX. I contacted the merchant I purchased the product from, and they agreed to refund me for the purchase ( less shipping ), and I purchased the correct product using a different credit card. 
During the time frame between when I ordered this product and the time I realized the product was not the right product I had closed some of my credit card accounts that I was no longer planning on using and the account ending in XXXX and one other account at Chase were closed during this period. 
The attached exhibit D shows where the merchant refunded the amount of {$360.00} to the credit card ending in XXXX that I had closed with Chase. Exhibit E shows the transaction ID numbers from the merchant showing the original purchase and the amount refunded to my account ending in XXXX of {$360.00}. 
I spoke with the merchant and Chase on numerous occasions attempting to get this refunded amount tracked down and resolved. Exhibit F is a copy of the email I sent to the merchant after numerous discussions with Chase and the merchant. Exhibit G is a copy of the letter I received from Chase after they did an investigation of this matter and according to Chase this account never existed, they have no record of this account number or the transactions even though I provided them with all the documentation showing these transactions. 
Exhibit H is a copy of the last e-mail I received from the merchant indicating that his accountant has reviewed all these transactions and Chase ( who also processes the merchants credit card charges ) says I was credited these funds and the funds were not returned to the merchants account. I have discussed this matter at every level I have access to at Chase and provided them with this documentation and they still today claim that there is nothing they can do for me because they dont show this account existed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
These accounts are not mines and some are 7 years old or more. 

XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX +  {$1000.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$200.00} Closed XXXX XXXX XXXX  XXXXNeeds Attention Last reported : XX/XX/XXXX - {$3000.00} In Collections/Charge-off The three collection below are not mines and I disputed prior to being posted to credit report. Some have been re-posted to report after being disputed and deleted.
XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$5900.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$3800.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$310.00} Needs Attention

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 2020-03-19
Company: Experian Information Solutions Inc.
State: NY
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:
After contacting original creditor over 3 months ago I sent notification to Experian that account : : XXXX XXXX is considered as Unverifiable and inaccurate because original creditor has not responded to my validation request.

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 2016-04-07
Company: AES/PHEAA
State: OR
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:
My monthly loan payment increased significantly, but I feel stuck at that payment level because I am trying to take advantage of the 10 year Public Service ( XXXX ) repayment plan. My interest rate is also stuck at a ridiculous rate of 6.8 %, and the amount I pay each month makes other bills difficult for me and my family. FedLoan arbitrarily decides for me that paying almost {$500.00} per month is doable. I am now going into more credit card debt because of these higher payments, and I was told that a {$450.00} rent increase would not factor into this payment increase whatsoever. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Experian Information Solutions Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've submitted multiple times requesting debt validation from both XXXX XXXX XXXX XXXX  as well as Experian. Experian continues to respond as debt being verified despite multiple request and demands of debt validation. I've since received a investigation results mailer from Experian advising that I need to contact credit grantor to obtain proof of documents being requested. This is unethical as per the FCRA reporting company must provide proof and validation if requested. 

XXXX XXXX XXXX XXXX  has sent over an Itemized statement that still does not verify or validate this alleged debt, it simply violates the HIPPA law as I've never signed a HIPPA release form at any of my medical facilities visited

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09
Company: AES/PHEAA
State: ID
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 lost the paperwork that I sent in for deferment since I 'm still in college. I contacted them by email and told them that I 'd already sent in the paperwork. They sent me a canned response telling me that I could get a deferment in several ways, including educational deferment. I responded that I was in college in and had sent in the paperwork and they sent the same canned response. So I responded and said that I would mail in the paperwork with signature required so I would have proof that they received it and they responded with the same canned response. I emailed that they should get with a manager to work out how to properly deal with consumers and received the same canned response. In an attempt to get a human response, I emailed that a response that repeated what had been said before would grant me permission to post all communications on the Internet and to release all communications to demonstrate FedLoan 's competence. I received another canned response, so will use all the of the emails as I see fit. I responded, stating very specifically that this had stopped being about the deferment the minute I said that I would mail the paperwork with signature required and that my concern was now with how trustworthy the organization is. It 's clear that this company knows that they can get away with treating loan holders horribly. They do n't have to care about reading emails. They do n't have to do anything but copy and paste, because they do n't have to worry about losing what gets them paid. They 're horrible people and if they were trustworthy, they could have responded directly and made it clear that they cared about my wavering ability to believe that could properly handle my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Self Financial Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My disputes are being ignored, and I feel taken advantage of. XXXX makes it abundantly clear that failure to review a credit report item within 30 days will result in its immediate removal. These entries should be deleted immediately as they are older than 60 days. I require that these accounts be erased immediately ; otherwise, I will sue you for the stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am being denied a credit limit increase on this credit card account ending in XXXX. The reasons I am being denied it for are not true. It is saying that my income is insufficient compared to my debt obligations but I do not have excess debt. Everytime I try applying for a credit limit increase, I get a different reason for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
State: SC
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:
XXXX XXXX XXXX XXXX Reported : XXXX XXXX, 2020 {$6500.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, 2020 {$24000.00} Needs Attention

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2020 I contacted capital one regarding a XXXX statement balance after I paid off the account balance before my statement date. I spoke with XXXX who told me that she was the highest person I was speaking with and that whatever she said goes. I asked where the XXXX came from at first she informed me that the balance was on purchases from the previous month I asked what purchase was made she informed me none but they were charging me for an interest that was on my account from.last month. You are not allowed to charge interest on top on interest. She did inform me that I did not have a principle balance from the previous months statement burning order for my balance to be pd off that I would have to pay 2 statement balances in a row off not to be charged interest anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: AES/PHEAA
State: TX
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:
I 'm not Disputing Where are records to show my attendance from XXXX XXXX XXXX? Attendance records shows dates, months, and year and grades for students attending school at XXXX XXXX XXXX. I think promissory note should be investigated where is my signature? What date did I signed. Those information should have been provided with the statement giving. It might show in the financial database, but are you looking at the fact those are enter information that was sent to the database. Where is the original records? If you paid the school and they close by right there should have been a reimbursement check sent back to your institution? I never received the money, and yes I spoken with XXXX XXXX they never received the money either so who has it? Maybe you have the money, but its the promissory note that is tying me to paying you back? Somewhere down the line it does n't make sense? Remember for school closure the money is refund back to that institution that is last on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In late XXXX, early XXXX of 2015, I made some purchases that were supposed to go through my XXXX account to my XXXX XXXX account. Instead, XXXX erroneously charged my Suntrust account. I had been trying to remove this account from XXXX for months but kept getting errors. I contacted Suntrust to stop any transactions from XXXX and XXXX, the banker, told me she would handle it. Weeks passed and my account went negative from the issue because the charges were never blocked. I contacted my banker again, only to find out she was no longer with Suntrust. The branch manager at the time stated she would look into it and get back to me. Another week passes and I call to find there is a new branch manager who knows nothing about the situation. I stated I wanted to have this resolved and she said there was nothing she could do because the account was now in closing status. She said to wait until it fully closes and call back. I did. When I called back, I was then told there was nothing I could do because the account was closed and I would have to wait on a letter. Now, this account is reporting to my XXXX and Suntrust is being very " oh well '' about it, when they can clearly see the multiple attempts in my account from XXXX. XXXX needs a better system for removing accounts and Suntrust just needs better customer service. I 'm still trying to handle this account 8 months later and I 'm just getting the run around for the most part. Suntrust just wants me to pay the money and that 's about it. This is causing me so much financial stress because I ca n't get a bank account with my husband at his credit union with this on my file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
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:
I have had many financial struggles in the past. It has taken me years to finally become financially stable enough to work on my debts. In XXXX, XXXX, & XXXX there were late payments to FedLoan posted to my credit score. Recently I have been paying off what I can to build my credit score up, but there are XXXX late payment reports posted by FedLoan that are keeping me from making any serious progress. I understand if the XXXX payments have to stay on until the 7 years is up, but my understanding is that reports on a credit score are removed after 7 years, so I am hoping that the XXXX XXXX & the XXXX XXXX late payments could please be removed. I have set up automatic electronic payments with FedLoan to slowly but surely pay off my loans. Trying to get an apartment or a car will be severely affected by my credit score & every little bit that I 'm paying off is helping it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have attempted to add an authorized user to my American Express credit card. A representative from American Express informed me that the user could not be added since XXXX  could not confirm my phone number. However, American Express is well aware of my phone number as I have been a customer of 18+ years with the same number. I XXXX have been a customer before the representative was even born ... I was informed to contact XXXX  to request my phone number to be updated. American Express claimed that my credit would need to be inquired a second time to check for a phone number. Why would multiple credit inquiries be required to check for phone numbers? That is illegal. Credit inquiries are required to check for financial history. I called XXXX  twice on XX/XX/XXXX, waited on hold for more than 30 minutes during each call. The XXXX  representative would say " hello, how can I help you? Hold on '', then hang up on me.

Company response to consumer: Closed with explanation