BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-15
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Issue: Credit determination

Complaint:
I 've been listed as additional user on a citicard since 1992. My dad ( primary account holder ) added my brother and I when we were young ( XXXX ), for unexpected expenses while traveling, etc. I have n't seen or used the card in over 10 years, and assumed the card no longer existed. My brother still has his card, and accidentally used that card ( instead of his normal CC ) for an {$850.00} charge in XXXX. My dad was travelling all XXXX, and did n't get the bill, thus did n't realize anything was owed. He learned of the issue 60 days after the due date, and immediately made full payment. Despite XXXX year history of 100 % on time payments, citicards dinged all three of us with the credit agencies. In summary, my credit rating ( with no blemishes prior to this ) has now been dinged because of an fluke event related to a card that I did n't even know still existed ( I threw away my card over 10 years ago ). I was never contacted by citicards at any point about the issue. It is extremely unfair for them to ding my credit without giving me any notice that I had an outstanding liability. I 've never been late on any payments of any type. Despite my best efforts to solve directly with citicards, they refuse to even let me discuss the issue with anyone with capability to revise the credit issue as currently reported to the rating agencies.

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 2016-02-18
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I disputed fraudulent charges on my credit card account ( the " Account '' ) with Macy 's American Express ( " AX '' ), originally in the amount of {$1200.00} ( plus any finance and late fee charges ). I advised AX both in writing and over the phone on numerous occasions that I was a victim of identity theft, and I did not make or authorize these charges, and immediately upon notifying of these charges I contacted AX to let them know that these charges were not mine. In fact, I had not used that credit card for such a long time, if at all. Over the past six months, I requested that these charges be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement showing that I owed no amount on account of the Account. Not only these charges were not removed, AZ continued sending me statements adding penalty and interest and send the account to a collection department. When I call them to follow up, the representatives indicate that the account is still under review but that they can not stop the interest and penalty from accruing. 
Unfortunately, this inaccurate information has affected my credit score which was over XXXX. I have previously discussed this matter with the Company 's Fraud Department at least on five separate occasions and they have informed me that these fraud charges will remain on my account and may affect my credit until this matter is fully investigated and resolved. Please be advised that this practice is in violation of Fair Credit Reporting Act ( " FCRA '' ). 
Under the FCRA, these disputed and fraudulent items should not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if the Company can not verify the debt within 30 days, then it must be removed. Based on the foregoing, I hereby request that you look into this matter and abuse this practice by Macy 's American Express. 
I truly need you help to stop the illegal and abusive practice of AX in the manner described above.

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 monetary relief
Consumer complaint received 2015-11-04
Company: Performant Financial Corporation
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I do not have a direct line at work. I work for a company that has busy phone lines consistently from opening to closing. There is one person that operates a switchboard and transfers calls to the perspective parties. I have asked Performant Recovery more than several times not to call my place of employment for this very reason. We are not allowed to receive " personal '' phone calls on our work line. Everytime I get a call my boss reminds me of this even though I know the rule.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-03
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I went in to see XXXX XXXX XXXX, to have him to remove some XXXX that I had gotten XXXX. I continuously, indicated to him that, I knew it was some XXXX. He asked me if I wanted him to send it to the lab, for testing. I said no, because, I remember the day it happened, and that, I knew exactly, what was in my hand, and that there was no need to send the small piece of XXXX to the lab. He sent it any way. I do not feel as though, I owe this debt, because, he sent it against my wishes. It is not my fault, that he did not believe that it was XXXX XXXX XXXX, placed this negative information, on my credit report, with the XXXX major reporting agencies. Along with, negative information, about me going to XXXX the hospital. Which, I did not. These bills were totaling, {$140.00}, to XXXX XXXX, and a {$81.00}, bill to the hospital. All, I presume, was for the lab testing, in which, I did not instruct, XXXX XXXX, to submit!!! The and companies name and account numbers, for these illegal, transactions, are Credit Systems International XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX, account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, TX XXXX, ( XXXX ) XXXX, Account # XXXX, Address identification # XXXX, Original creditor, XXXX XXXX XXXX XXXXXXXX parties, needs to remove all negative information, from my credit reports ... and, cease, all harassing calls, and attempts, to collect a debt, that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX 2015, I initiated an HSA rollover with HSA Bank from my account at their bank to my new account at XXXX Bank. On XXXX XXXX, I received an email from HSA bank from XXXX XXXX to contact HSA Bank. I called on XXXX and spoke to XXXX XXXX, who said the form I sent was not legible. On XXXX, I emailed a legible form to XXXX, who said they would process my transfer. On XXXX, I received another email from HSA Bank ... this time from XXXX XXXX, who asked for verbal confirmation to go ahead with the transfer, which I confirmed. I 'm not sure why they needed a verbal confirmation and why it would take 12 days to ask for XXXX. 

Around XXXX XXXX, I noticed that my funds still had n't been transferred, so I called to ask the status and they said they had n't processed due to my brokerage account not closing ( which it had ) and a couple of pending debit card transactions. On XXXX XXXX, the pending transactions went through. On XXXX XXXX, my funds still had n't been transferred and my account with HSA Bank was still showing as active. I called HSA Bank on XXXX XXXX and asked the status of my account and they said it would be 4-6 weeks to process. On that phone call, I asked them to put me in touch with a supervisor. After holding for about 20 minutes they said there was no supervisor available. Also on that call, I asked them to send me an email when the check was mailed and I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I banked at Suntrust Bank for nearly over a dozen years without incident. Moved another business account there. After moving that account there, I was told to close ALL my accounts - checking./Savings & credit cards. It appears that one officer of this business has negative credit with Banks. I removed that person and severed all relationships. However, SunTrust has discriminated against me because of who I used to associate with. By closing my Credit Card, it shows on my credit bureau as " Closed Account by Creditor ''. This has adversely affected my credit standing in an immense way. I am asking that SunTrust reopen my credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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/XXXX I started disputing some inquiries that I never approved of, and obviously did not obtain credit for. The bureaus did not delete the inquiries, nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2017-01-10
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have called and asked for an accounting of my PSLF payments because I believe that they have made a mistake in their calculation of my payments. It has literally been 6 months since my last call and they have failed to issue a letter to my account. This is a pattern of behavior on the Part of FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Im having issues making my car payment i called to see about different options due to payday changes avaliable cust rep said i had to wait 6 months to make any changes

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
XXXX XXXX in XXXX, CA has been repeatedly calling my cell phone, even though I am paying/have paid my bills in a recurring and timely manner. They called my cell phone at XXXX XXXX/XXXX/16. When answered, the caller hung up. The numbers attached to this company calling my cell phone outside of legal hours is XXXX. I have asked them to resort to email communication if they can not follow the rules for contact via telephone set forth by the FTC. They will not comply, nor will they address the issue. I contacted them shortly after XXXX PST on XXXX/XXXX/16 to discuss this issue, and was met with aggressive/unethical collection tactics in regards to a bill I have been paying regularly and timely, which resulted in being hung up on by a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
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:
I recently purchased a copy of my credit report and noticed that the XXXX student loan accounts that I have with " FedLoan Servicing '' are reporting late from XX/XX/XXXX until XX/XX/XXXX. 

I was granted a forbearance from XX/XX/XXXX - XX/XX/XXXX, however my credit report still shows late payments from XX/XX/XXXX - XX/XX/XXXX. I have tried contacting both FedLoan and the individual credit reporting agencies, however this information came back verified. 

I would like to place a complaint on both FedLoan and the Credit Reporting Agencies as subject to Section 623 ( a ) ( 2 ) the furnisher of this information has an obligation to provide this updated information to the Credit Bureaus. Furthermore, the Credit Bureaus are obligated under Section 607 ( B ) to report this updated information on the consumer 's credit report. 

I have documentation supporting both that the forebearance was granted and that the inaccurate information was verified. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have sent multiple requests to myfedloan.org to tell them how I would like my additional payments to be processed. I have been paying extra every month, and want the highest interest loans to be paid first - duh! Well after 2 months of requesting to apply my extra payments to principal, and 2 months of my payments being applied in the same way that they always have, I 'm losing confidence in them. I have saved my email correspondence with myfedloan.org ( though, they have never personally responded -- I only get canned, automated responses ). they are costing me thousands in interest, and I want to get this resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ongoing : [ Case number : XXXX ], [ Case number : XXXX ] With regards to the response from SLS and XXXX XXXX XXXX, unfortunately it was inaccurate and lackingpertinent information regarding our initial XXXX loan modification XX/XX/2013. First, all3 initialmodification payments were made on time to XXXX XXXX XXXX and attached are supporting documentswhich were sent to SLS confirming that from copies of entries from our checking account. Secondly, wecalled multiple times to confirm with XXXX XXXX XXXX during that 3 month trial period to make sureeverything was ok and on track with our modification and each time we were told everything was fineand looked ok. And lastly, we did in fact receive a XXXX letter from XXXX XXXX XXXX on XX/XX/2013stating our trial loan modification was denied which surprised us as we had been told everything wasfine during the prior multiple calls to XXXX XXXX XXXX to confirm we were on track with our trialpayments. So as soon as we received the denial letter we called XXXX XXXX XXXX to question why wewere receiving it, and the response we received from the customer rep was to, " ... .. ignore the letter as itwas sent to us in error. '' And we were also told to keep making the trial payments even though it wasafter the 3 months which we also complied with.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I just recently was switched from XXXX to FedLoan Servicing after qualifying for the Public Service Loan Forgiveness program. Since switching, I have had nothing but confusion, anger, and frustration with FedLoan. The customer service is poor to nonexistent. I have submitted tickets through email at least 4 times in the past week, and none of them have been answered. The links on their website are broken. After I paid a past-due amount ( late due to confusion on when my payment was due, how to pay, and questions of the like that were submitted WELL before my due date ), I am still in delinquency days after paying. This is affecting my credit score, my bank accounts, my life! I suggest that the Consumer Finance Bureau follow this link : XXXX a testament to the MANY of people who are continually being ignored and, quite frankly, XXXX by FedLoan. At this point, I feel like taking legal action because of how difficult this has been, and it has been under two months since I have been with them. I can not imagine another ten years of this! At this point, I wish I had n't ever applied for PSLF and had stuck with XXXX. Avoiding FedLoan Servicing may have been worth the extra thousands I may have saved if I had never qualified for PSLF, which is so unfortunate. Redo the website. Process payments faster. Get better and more customer service. Lay out clearly when payment are due, penalties, defaults, etc. so that people understand their loan repayment. PARTNER WITH XXXX, WHO MAKES THIS ALREADY XXXX PROCESS QUICK AND EASY! Down with this horrible, scheming, behind-on-the-times company!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a XXXX on limited funds. On XXXX XXXX, I deposited my payroll check into the ATM prior to going on a XXXX trip on a Friday. I used my bank card for expenses while on the trip over the weekend. I did n't realize that my deposit showed {$0.00}, vs the over {$410.00}. SunTrust then reshuffled my transactions and my put my deposit on the end and charged an NSF fee for all transactions the next business day. By the time all Fee 's were assessed, the total fees are {$430.00}, ON TOP OF THE TRANSACTION 'S I made. Over the weekend ( XXXX XXXX ), I deposited a XXXX payroll check for {$110.00}. With all XXXX payroll checks deposited and the transactions, my account is now in the negative over {$300.00}. Again, as a XXXX trying to save money to return to school in XXXX, this is a MAJOR setback! I am thoroughly disappointed in how Suntrust has refused to refund the NSF charges due to them not adding my payroll checks. This will take me WEEKS to recoup this money and unfortunately, I do n't have this kind of time as books need to be purchased in a few weeks. I am BEGGING for some assistance with this matter.

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 monetary relief
Consumer complaint received 2017-01-23
Company: ARS National Services, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I called the company and they didnt want to hear that the debt was not mine. Stated repeatedly that it was owed because " it was under my name '' I have not used XXXX in YEARS and the information and debt letters were sent to my mother 's address. An address I have not lived at for over 10 years. I requested to get this removed and disputed this with them as well. I keep receiving letters with them sent to my mother 's home in regards to this and I 'm NOT happy!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with XXXX, XXXX, and Equifax. ( Please see Image Attached on 2nd Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over Equifax, XXXX, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX Account Number : XXXX Delete it from my credit report immediately 2.Incorrect Information XXXX XXXX XXXX XXXX Account Number : XXXX Delete it from my credit report immediately 3.Incorrect Information XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: AES/PHEAA
State: CA
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:
The numbers on my loan do not add up, and I have contacted the Fedloan Servicing Ombudsman and made multiple attempts to work with FedLoan Servicing Directly. 

For example one of my loans states the following. 
Original Balance : {$22000.00} Unpaid Interest : {$1900.00} Current Balance : {$27000.00} ( The balance based on the Original Balance and Unpaid Interest should be {$24000.00} not {$27000.00}. ( Where did this additional {$3000.00} charge come from? ) There are numerous unexplained charges like this. Approximately a year ago my balance was {$150000.00} then it went to {$180000.00} without any actual explanation. 

All this documentation is attached to the complaint. 
I have made all monthly payments, and will continue to do so, but I do not understand how FedLoan Servicing, is racking up phantom charges and interest. I fully intend to pay what is owed, and what I borrowed for school, but there is currently about {$40000.00} of unexplained charges, which interest is being applied to. 

I would appreciate any help CFPB could provide me to ensure that these balances are correct. 

XXXX XXXX

Company response to consumer: Closed with explanation