BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: Plastyc, Inc.
State: IA
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Managing, opening, or closing account

Complaint:
Someone got ahold of my card numbers in XX/XX/XXXX and signedme up for a dating service. When I found out about these unauthorized charge I immediately contacted the card company and was told that " by law '' they had to cancel my card issue me anew card and dispute the charges with the dating site. So far, so good.Ireceived my new card in time to pay my rent, on the XX/XX/XXXX.. 
I have been using it for regular purposes and for NOTHING I have not used it before. This last monday I went to pay my vets bill and was told my card did n't work. I called the card company and was told that it was on hold do to possible fraud. The representative and I determined that the few charges I had made were legitimate. However they wanted proof of who I am. 
They asked me to FAX them these items ... Drivers license, social security card and a utility bill. I IMMEDIATELY informed them that I paid my utilities with my rent and a " separate '' utility bill was IMPOSSIBLE. They suggested ( and approved ) that the first page of my lease agreement would suffice. These items WERE faxed ( an received ) yesterday. 
Let me interject at this point that the original card numberwas ... XXXX this was the one they closed the NEW card number is ... XXXX. 
I DO NOT have a fax machine and have had to use the one in the managers office and work around her schedule to use it. Here are the fax numbers that upside provided me ... XXXX or XXXX. The first one is the one used and was given confirmation that the fax HAD been received. 
I called " upside '' this morning and was told that because I had NOT submitted a utility bill the account would remain on hold, I reminded them that I was informed that the lease agreement would be okay. They " suggested '' that I have the leasing company " break down '' the lease agreement to show utilities paid. This is impossible, my leasing company is " The City XXXX, Iowa '' and I am on " low income housing '' subsidized by HUD. 
Here comes the BIG lie ... .after having said that the lease agreement was unacceptable, they then deny even receiving the fax AT ALL. 
Add to this mess UPSIDE is going out of business and I am under time constraints to move my funds to another prepaid card company BEFORE, Upside is " no More ''.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-09
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have recently discovered that AES has been billing me for the student loan that I have not borrowed. I have not taken a college course in California and have not taken out a student loan, private or Federal, from a college in California, especially from XXXX XXXX University even though I was admitted to XXXX XXXX University in XXXX XXXX, CA in 2005. I withdrew within a few weeks before the semester started and I did not take out a student loan. For many years, I have requested AES to provide the details about this student loan that AES has been extorting money, interests and fees from me. AES has long been non-responsive regarding the matter. Recently, I discovered its flaw and contacted AES to correct the errors. AES responded by stating that it mailed out the Affidavit Form to file for the fraudulent ID theft as the formal procedure to deal with such an issue. I waited for a few weeks but the Form was not in the mail. I contacted AES again and it stated the same that the Form was mailed out while AES has been waiting for its return, without which AES would continue to bill me. 
AES has fraudulent been forcing me to pay for the loan that AES claims I owe and now it demands that I am responsible to prove that I do not owe the loan while AES continues to illegally extort money from me. How injustice! I have submitted the document per AES request pending its review. Meanwhile, I do not wish to continue paying for the student loan that I do not owe and can not risk to have AES ruin my credit histories. I would like your assistance to resolve this issue quickly without any further harm to my credit scores and financial obligation for some loan I do not we. I would like to get my full refund of about {$39000.00} in debt, interest and fee payments AES has been extracted from me. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Russell W Richardson, Attorney at Law
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
First company was XXXX. Called and said they were going to garnish my wages if I did n't pay back on my overdue payday loan. Said they had been trying to contact me but I never received info. I paid them since I knew the money was due and kept letters from paid debt. Now another company called dfc legal services began calling my inlaws saying I would be taken to court if I didnt pay them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-24
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TD Bank is illegally charging overdraft fees even though I have a binding overdraft protection contract with them for two specific accounts. TD bank decided to stop transferring funds from a linked account in order to prevent over draft fees but Instead took advantage of me to make profit with high overdraft fees. TD bank engages in predatory banking with their excessive and unethical unfair banking practices. I need my overdraft fees reversed because a binding contract to offset and prevent overdraft fees is in place. TD bank made me go to a local branch in XXXX, Delaware to sign a document that will link my savings account to checking account so that I would avoid getting charged overdraft fees. When I asked why they stopped transferring money from a linked account to checking account so I may not get charged excessive fees, I was told that we dont know mum. In addition, I was advised by TD bank not to manually transfer my money from savings account, to allow their system to cycle itself and cover debit transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hi I was woking with my bank to start the process to get a house and saw alot of inquiries that were not mine. I filed a compliant with the FTC and I spoke with the bureaus and no help. I was told I can reach out to you all for help with this. I am doing this on my own and need help. I have listed all the inquiries on the attached FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29
Company: SYNCHRONY FINANCIAL
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/2014 I entered a contract with GE Capital Retail Bank to finance {$430.00} with no interest if paid in full within 12 months. 
I have record of payments made on XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 for XXXX, XXXX/XXXX/14 XXXX and XXXX/XXXX/14 XXXX. Synchrony Financial bought the contract without my knowledge and began sending bills in XXXX 2014, and late payment fees continuing to present date at a current balance or {$220.00}. 
I owed {$430.00} within 12 months and repaid XXXX within 5 months. Synchrony Financial has also destroyed my previous credit score XXXX to currently XXXX. I have tried to reason with them with no success.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-06
Company: WELLS FARGO & COMPANY
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I authorized a Wells Fargo XXXX account to be opened in my name with my previous employer. When I terminated my employment I had meant to keep the account open until the FINAL employer match was deposited. I started receiving letters stating a 'forced IRA ' was opened in my behalf. Whom authorized this? I was n't given a time limit on rolling the money into an IRA. Assuming the money was still in my original XXXX I called Wells Fargo to get a check remitted to my current bank where I 'd opened up an IRA account for the retirement money. I was told that the XXXX was still open, but the money was n't there! Instead, it contained the last remittance from my previous employer. What?! I was able to close the XXXX account and have the balance sent by check to me, which I will have to pay taxes on. The bulk of the money was tied up in an account I NEVER OPENED! How do I get MY money? I have to open the IRA account. In order to do that, I have to not only sign an application, but I have to prove my identity! You 've got to be kidding! That form has to be notarized and sent back in the envelope provided in which I have to provide the stamp! Once the account is open I can access MY money. Did I earn any interest on this money in this time frame? Probably not! 

I signed the form to open the account, I sent the proof of identity notarized, now I have to painstakingly call back someone at Wells Fargo to make sure that happened. I feel that I will most likely have to spend yet another hour to close the account I NEVER AUTHORIZED to open! Sad, frustrated, out time and money and still looking for MY money in 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 explanation
Consumer complaint received 2017-03-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is a medical company that states I owe them {$1300.00} and they sent me to two different collection agencies, I sent a letter to the first agency on XX/XX/XXXX requesting proof and never received proof. The second collection agency received a letter on XX/XX/XXXX at which time I also sent the same letter to the Equifax which states I am asking for proof I owe this bill that I have never received. Equifax sent me a letter stating the investigation says they have verified the item belongs to me. I do not understand how they were able to get proof of something I still can not get after a year of asking. I realize a creditor can just say on the phone that the account is valid even when it is not. This is unfair and has lowered my score. Equifax has kept an item on my credit report that has not been proven to be mine and I would like to report this an unfair way of incorrectly reporting on my credit. I would like the inquiry from XXXX Account # XXXX removed from my Equifax Report. All letters was sent certified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have had a Home equity line with Regions Bank since XX/XX/XXXX. I decided to close the home equity line because they were charging me {$50.00} fee to keep it open. They sent this charge to their collections and reported it to the credit agencies after they gave me a written promise to wave off the balance to this fee back in XX/XX/XXXX. The letter was from XXXX, senior Vice President for collections- XXXX. This has affected my credit score ( XXXX to XXXX ) negatively. I have been to the XXXX Branch of Regions twice and each time they promise to close the equity line. I have called XXXX and disputed this late charge. 
One another note they did not report interest on my mortgage to the IRS in XX/XX/XXXX only send me a letter in XX/XX/XXXX that they had made this mistake.. I had get my accountant involved because of their mistake.

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 2017-04-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I bought a TV from BestBuy on XX/XX/XXXX in the amount for {$960.00}. The TV was broken when I opened it and I went to return it. They said it could not be returned because the TV was broken which makes no sense because that is why I was returning it. I would not expect it to be legal for a retailer to sell a consumer a broken TV which is exactly what they did. It was a horrible experience and the people at Bestbuy were extremely unprofessional. I opened up a dispute with Chase Credit ( Credit card because I charged the TV ). Chase took my information and told me that Best Buy has 90 days to respond. I followed up many times which can be verified through Chase as all calls are recorded for " quality control '' purposes. Finally, in XX/XX/XXXX, I received a letter from Chase stating that the dispute was denied. I called and asked why and was informed that the depute was denied because I did n't respond to a previous letter which they said they sent. I never received a letter that they are referring to I told the representative from Chase that and asked them to resend it and they said they ca n't and they closed the case. I escalated this by emailing XXXX CEO Chase Credit Card Services ( XXXX XXXX, NY XXXX ) at XXXX and called XXXX explaining this and he never contacted me. Instead I got a call from their office and they took my information and several days later told me the same thing that there is nothing they can do. This is absolute fraud that Bestbuy can sell a broken TV and even worse that a credit card would allow such a thing. Under law Consumers are protected from banks being able to commit fraud and I would like kindly ask for assistance in resolving this matter. I informed Chase that I will be canceling my Chase accounts immediately if this is n't resolved as well as changing banks as we do bank with Chase. Please note that I have been a Chase customer for many years and this is the first time that I have had any issue whatsoever and I have close to an XXXX credit score. They said my credit will be ruined if I do n't pay for the broken TV and that is not fair so this needs to be fixed please. I can be contacted at XXXX Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Rosen Management Services Inc.
State: NJ
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Rosen Mgmt at XXXX has been calling me about a debt that I do not have any knowledge of owing from 2011. They are claiming i took out a payday loan and did not pay it back. I have no knowledge of said loan. Then she claimed to be from the garnsihment dept of Rosen Mgmt and my pay was about to be garnished unless I paid said debt. I asked them for information on the debt and she stated I should have received it in the mail. I said i have not received anything from you company. She then stated it was sent cerftfied mail. I said could you send it again. I have been waiting 2 weeks. But, this debt collector called my place of employment. Claim # XXXX. I 'm also getting a robo call once a day from them using various numbers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-07-21
Company: Marauder Corporation
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a voicemail on my cell phone stating they were a collection agency ( Nationwide XXXX or something along those lines ). She said her name was XXXX XXXX and she was calling from the XXXX and were in the process of filing XXXX serious complaints about me to my state 's clerk office. She said they will serve me at my place of employment or residence. They said they would not file the complaint or take me to court if I contacted them to take care of the situation. They called my mother 's cell phone and left a message asking for me and saying the exact same thing I stated above. 

I called them back and gave the case number they provided on the voicemails. They gave me the last XXXX of my social and had an old work email. They said i took out a loan in XX/XX/XXXX and did not pay it back. They had the last XXXX digits of an old, closed bank account number ( which I do n't know if it was correct as that account has been closed since XX/XX/XXXX i believe ). They said the plaintiff is XXXX. I have no idea who that is, nor did I take out a loan in XX/XX/XXXX. I told them I would like to get this resolved, but that I have no idea what this could be. So I asked them to send me paperwork so that I can accurately look into this. They told me they do n't have any such paperwork and that they can only send me a receipt once I pay or set up a payment arrangement. The amount due is only a little of {$700.00}, but I refuse to give my bank information to people I do n't know. I checked my credit report, and I do not have anything listed from XXXX or any other collection agency I do not know of.

Company response to consumer: Untimely response
Consumer complaint received 2016-02-03
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am a victim of id theft. I sent a request to the credit bureaus for a security freeze to my credit with a copy of all my required documents. Equifax did not freeze my credit. I also disputed fraudulent account from XXXX and several inquiries with XXXX, XXXX and XXXX XXXX XXXX XXXX They should have deleted these inquiries and account and sent me a new credit report. They did not update my credit report and send it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am unable to get my free credit report from Equifax via XXXX I answered all identity security questions correctly and was denied access to my credit report. 
I had no problem getting my reports from XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Hello, I am a veteran trying to sell my home in XXXX XXXX. I bought the house in XXXX  and I refinanced using my VA benefit a few times since. My loan now has a rate of 2.25 %. With the current economy the steep increases in rates and the related declines in property values we decided to allow the potential buyers to assume my VA loan. It is a big benefit for them although they would have to put up a sizable down payment. Our issue is that the mortgage originator ( PennyMac ) has been setting roadblocks and have been extremely unresponsive. We have been going through the process for over 2 months now for something that has historically taken less than a month. I suspect that they are delaying and being unresponsive in the hope that the deal falls through and they can get the 2.25 % fixed rate loan off their books. it is completely unacceptable for them to be delaying and stonewalling the way that they have. I am sure that I am not the only one experiencing this issue, and I am sure that PennyMac is not the only mortgage originator behaving in this way. I hope there is someone out there that can help with this issue. As I said, I am an XXXX veteran who served 6 years honorably and then I was a public servant for an additional 10 years working for the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have sent multiple dispute letters to Experian in attempts to rectify incorrect account information that is reporting on all XXXX of my student loan accounts. I have sent a dispute letter dated on XX/XX/XXXX and XX/XX/XXXX ( with new relevant and verifying information ), requesting Experian to update my student loan account payment statuses ( XXXX student loans ) for the month of XX/XX/XXXX to current instead of a 90-120 days late status ( what is currently reporting on all XXXX student loan accounts ). I provided Experian with verifying and supporting information provided to me by XXXX XXXX XXXX illustrating that for the month of XX/XX/XXXX, I was granted a forbearance period from XX/XX/XXXX-XX/XX/XXXX, which makes my account NOT late and current with the terms set between myself and XXXX. Experian refuses to update my student loan accounts and they came back verified and no change. I requested a method of verification on XX/XX/XXXX via certified mail ( tracking number provided in attachment ) for my student loan accounts. According to the FCRA, Experian has 15 days to respond to my method of verification, in which they must provide with whom they verified the disputed account information. Experian did not provide this information in the required time, according to the law and is thus in violation of the law. Experian decided to treat my request for Method of Verification as a dispute when my request clearly asks for a method of verification for the above stated case number a couple of weeks prior. I believe this is a stall tactic to prolong the appropriate changes that need to be made to my credit report. I have attached my Method of verification ( which clearly states MOV and NOT DISPUTE ) letter that I sent to Experian. I have also attached the XXXX XXXX XXXX documentation for further verification that Experian is reporting incorrect payment information on my credit report and refuses to update my report with the correct information even when provided with supporting documentation. This should be sufficient documentation as the other credit reports were able to use the documentation to make the correct updates to my student loan accounts.

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