BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: CA
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX XXXX XXXX Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: AES/PHEAA
State: MN
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 wish to submit a complaint on behalf of myself and my wife. We currently pay a combined {$650.00} to Fedloan servicing for Federal Student Loans on the Income Based Repayment ( IBR ) plan. We recently learned that we are eligible to reduce our monthly payment by about a third, saving us {$210.00} per month by switching to the new Revised Pay As You Earn plan ( REPAYE ) that was implemented recently. We are both public servants trying to raise a family and provide the best life possible for our child. This {$210.00} per month we could be saving would go a long way to helping that. We both submitted requests to switch to the new REPAYE plan in XX/XX/XXXX. Together we have tried numerous times to contact Fedloan servicing through email and phone. On average they respond to only XXXX out of XXXX emails. The employees on their phone lines do not have clear ideas on when the request will be processed or when the new payment amounts would take effect. We have already made 2 payments since our requests were submitted, and the XXXX email I received back said they have n't processed the request yet and it could take 1-2 billing cycles after it is approved for the new payments to take effect. So by the time it 's all said and done, they may literally be costing us XXXX of dollars depending on their processing speed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: EQUIFAX, 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:
Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My financial hardship began on XX/XX/XXXX when I first fell past due with my payments on my mortgage thru Caliber home loans. Prior to falling past due with my payments I had contact Caliber home Loans and advised them of my situation, they had advised me that they could not help because I was current and that I needed to fall past due to get help, I let them know I was no longer able to afford the mortgage due to only XXXX income so I would need to default XXXX way. I had applied for help 7 times only to be denied over and over again. I finally received help on XXXX XXXX where I was approved for a trial plan, the plan trial was set for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX with payments of {$530.00} which I made a 3 payment on time and was looking forward tot he final documents to get this nightmare behind me. I waited for 5 months calling them almost daily requesting the final documents but I never received them, I then later called Caliber and they advised me the loan was denied on XXXX/XXXX/XXXX for failing to sign the final documents. 
I argued with Caliber to resend them but they refused and have scheduled a foreclosure date for XXXX/XXXX/XXXX. Caliber had advised me that the only option was to reapply, I received the documents on XXXX/XXXX/XXXX to reapply which I filled out and sent it back on XXXX/XXXX/XXXX, I have been calling daily but they say they have not received it. My divorce was finalized on XXXX and I gained full custody of my son it 's hard already not having his mother in the home but to lose our home too it 's not fair for him. Please help me in saving my piece of the American dream, my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: SUNTRUST BANKS, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had submitted a complaint a couple of weeks ago about SunTrust Mortgage, that pertained to misapplication of mortgage payments. This is a second type of complaint. I received a letter over this past weekend, dated XXXX XXXX, XXXX, informing me that my mortgage payment for XXXX was short by {$44.00}. It states that my mortgage payment is {$1300.00}. This was not true for the XXXX payment. Because of a need to increase the amount in my escrow, SunTrust had notified me that EFFECTIVE XXXX XXXX, XXXX, my mortgage payments would increase from {$1200.00} to {$1300.00}. I paid my XXXX payment of {$1200.00} ( that was misapplied to principle and this information appears in my previous complaint ) and paid my XXXX payment of {$1300.00}. In addition, I was informed that SunTrust has taken {$44.00} out of my escrow to cover the " XXXX shortage. '' So, now my escrow account is affected. I can not imagine that I have had so many issues regarding my XXXX account within the past couple of weeks. I have owned homes since XXXX in XXXX different states and have never encountered issues with my mortgage payments. I would like to know how SunTrust calculates anything pertaining to Finance. How can they even be in existence as a financial organization?

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 2017-02-14
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX, I entered an agreement with Gurstel Ghargo, PA in Minnesota following a stipulation and Confession of Judgement dated XX/XX/XXXX. I was supposed to make XXXX payments total of XXXX each and I made the payments religiously until the last two payments when the creditors contacted us to say that they have severed relationship with Gurstel Chargo and we should send subsequent payments to another collection agency, XXXX XXXX XXXX. They gave us the new information. I completed the remaining two payments with XXXX XXXX XXXX XX/XX/XXXX. To my greatest dismay, Gurstel Ghargo filed a judgement again me in XXXX County District Court on XX/XX/XXXX, claiming that I did not complete payment. I immediately responded with evidence of having paid the account in full, which I sent via certified mail. They received it because I received confirmation to that effect. Not hearing from them after sending the documents, I followed with several phone calls that they never returned. Now the judgement is still effective and all attempts to reach Gurstel Chargo to withdraw the judgement have failed. It may interest you to know also that whenever I called and gave them the last XXXX digits of my social, another person 's name pops up. At one time, they said that the account did not exist and transferred me to a voice message that never got back to me. 

I have had several problems with this agency. When XXXX XXXX XXXX severed relationship with them, I was told that it was due to some inappropriate business practices. I also feel that they are trying to stick someone else 's debt on me but it backfired due to their negligence and lack of organization. It may also very well be a malicious act on their part. 

What is even more upsetting is that they file frivolous lawsuits to get people to succumb due to lack of representation or resources. They also never send any notice of any filing or notice of summon, and just surprise people with a judgement against them. They have tried to remove funds from my account at one time, claiming that my husband owed them and that too backfired, because they could not prove that my husband was on the account, and they tried as much as possible to transfer whatever they are claiming he owes them to me. This is a constant harassment from this agency and I crave your indulgence in this matter. I need justice! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've received a bill from American Education Services that states to date I 've paid on my private loan {$43.00}, XXXX yet still owe XXXX on a loan I pay {$460.00} per month on for the past 10 years. If this were a federal loan I 'd have had it paid off by now however because it 's owned by American Education Services they can charge both interest rates and payments and thus I 'll be in debt for the next 40 years. XXXX I have paid my debt on time every month however, if there has been a delay in their processing they have been threatening via email, and phone to myself and my mother and have threatened to take her home. I have no logs of these calls. But they happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2015-10-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My undergraduate debt is {$170000.00} and I am making monthly payments of {$1500.00} a month. I can not afford to live on my own ( living with parents at the age of XXXX ), I do n't know that this will ever be possible. {$60000.00} of that money at a 12 % interest, making it almost impossible to try decrease the principal. I make $ XXXX /year. I graduated from Univ. XXXX in XX/XX/XXXX. I have tried to refinance my loans at lower interest rates but I keep on being told that I have too much debt to refinance - I have made all of my payments on time - I did go into forbearance for 9 months in XX/XX/XXXX. Any help on what steps I should take next would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I do have problem with Paypal. 
They locked my paypal account holding {$60.00} XXXX + on XXXX. 

XXXX Mail from XX/XX/2021 : We're initiating closure of your PayPal account After a thorough review of your account, we're initiating the closure of your PayPal account in order to protect us from potential financial losses. You'll no longer be able to use PayPal account. 
What happens to your account balance? 
If you have funds in your PayPal balance, we'll hold it for up to 180 days. We'll do a periodic review of your account for funds release. A gradual approach to account closure allows us to part ways, while considering any liabilities that may arise. 

___________________________________ I have call them multiple times on XXXX, as soon as my account got locked. 
They said I broke some user agreements ( I have been on paypal for 10 years and been doing my very own business since 1 year ). When I asked which one, I never got an answer ( by phone or by email ). Then I called them back again multiple times on XXXX. Each time, the person from the client services of Paypal assure me that I will get my money back in 180 days. And so, I waited 180 days gently. No news from paypal since then. Then, 1 week before the 180 days lockdown run out, I checked my Paypal account as saw everything was gone. I didnt received no email / mail / phone call or notification what so ever about this. They just grabbed it, without saying anything. I called them a 2 days ago, they said they had no information to provide me right now on phone, but they will get back to me by email under a few hours about the details. Been 2 days Im waiting for it and I know I will never get it What they seized, without any notification nor proof : - XXXX XXXX XXXX ( XX/XX/XXXX ) - XXXX XXXXXXXX XXXX ( XX/XX/XXXX ) - XXXXXXXX XXXX ( XX/XX/XXXX ) No news from paypal since then ... 
I was using paypal as way of payment for my business i run on XXXX. 

I live in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2017-01-08
Company: AES/PHEAA
State: SC
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:
A student loan was taking out in my name never had a student loan with XXXX afiled all necessary paperwork several times and all they keep telling me is refile they havent recieved anything and its to the point something needs to be done i have taken legal actions as of of a police report about the incident and its still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
First of all, I am the co-signer of a private student loan that my son applied for in 2008. My son began having financial difficulties and I began making payments on the loan periodically and recently paid over {$4000.00} to bring the balance down. My son recently died. When I contacted the company to request options for decreasing the interest on this loan, they put me in " forbearance '' status. I did not request this and I did not fill out any form to ask for forbearance. I would like to request a co-signer release given how much money I have paid out on this very old loan. On their website it states " forbearance prior to co-signer release may disqualify me and that a direct debit electronic payment may be necessary prior to requesting co-signer release. I paid {$200.00} which is more than requested this month ( my son died only 1 1/2 weeks ago ) so to put me into forbearance status when I made a payment and there were no payments overdue, was unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX incorrectly reported late payment on my account from XX/XX/XXXX - XX/XX/XXXX. They will not remove it despite my attempts to file a dispute with the credit bureaus.

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 2015-09-15
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Sun Trust closed my business account ( XXXX XXXX XXXX XXXX XXXX ) due to fraud. Never told me what the fraud was. There was no fraud and they have not given me my money back. I am a small business and am having a hard time staying in business. They owe me approx {$4700.00} and its been over a month. I want my money & Compensation for my loss of Income. A/c # XXXX. 
XXXX XXXX, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29
Company: RIA FINANCIAL
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Issue with Ria money transfer service. 
I send money to my XXXX account XXXX usd.but they deposit my money to wrong account. 
In receipt my account no is shown XXXX. 
But my actual account is XXXX XXXX  XXXX XXXX, XXXX XXXX. 
XXXX XXXX. 
So I already talked with RIA money via email ... they accepted that money transfer to wrong person. 
Now they don't give me my money back. 
They waiting for money back from that person where they deposit. 
RIA money every time send me email " your money recall is in process " But up to still today I don't get my money back. 
Transfer details PIN : XXXX Transfer date XXXX XXXX. 
XXXX usd.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Advertising and marketing

Complaint:
Citi AAdvantage sent me a letter stating they " need more information to process your application '' for a Citi/AAdvantage Platinum XXXX XXXX XXXX account. They said " we are reviewing your application '' and then ask that I call them to verify my SSN. I did not apply for a Citi/AAdvantage credit card and believe they are making fraudulent statements, fishing for my business. I called to report that I did not apply and they asked for my personal information - name, SSN, birthdate - which I refused to provide. I gave them the application ID and they said they needed more personal information to help me.

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 2021-06-29
Company: SYNCHRONY FINANCIAL
State: MD
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:
XXXX XXXX XXXX cards XXXX XXXX XXXX XXXX De XXXX XXXX filed an inquiry on my report that I did not authorize on XX/XX/2021 when I canceled my card. I did not give permission to have my credit pulled. I therefore closed the account and was told I had a XXXX balance. I later found out the marked me with a late payment through XXXX, XXXX, and XXXX. this informations is false. Please help.

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 2016-04-29
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
Because of a balance transfer of 0 % APR to my Citibank credit card account, they are charging me interest on regular purchases that are paid off by the due date. My credit card agreement states that there is a grace period for purchases when they are paid by the due date. I pay my purchases in full for each statement. They are saying because of the balance transfer, that they can now charge interest on purchases on the day that they post. I think this is unfair and very misleading to the consumer.

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