BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-26
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Hello, I have spoken to Numerous personal from my fedloans about 24 missing qualifying loan forgiveness payments. Instead of my payments being manually calculated as promised on XX/XX/XXXX I received a letter stating that my account was 30 days past due with a balance of {$650.00}. My student loans have been on an automatic debit since XXXX. I am unsure how it is possible to have a bill in this amount with automatic debit which is taken out monthly on the XXXX of every month. 
I have been informed by the following personal that this matter would be resolved shortly. I was informed by XXXX # XXXX and name unknown person # XXXX on XXXX that there was an error made on fedloans end. I was informed this error occurred because I changed my payment plan from IBR to a revised payment plan XX/XX/XXXX. Instead of the female worker name and number is unknown suspending my interest payment she never did.She did put in place the minimum payment of {$5.00} which I paid {$5.00} on 2 occasions. The first time being when my payment plan was changed XX/XX/XXXX. The second time being XX/XX/XXXX. 
I spoke with XXXX # XXXX at XXXX on XX/XX/XXXX and requested that my 24 payments towards loan forgiveness be properly calculated. There were 24 payments that were missing. I was informed Fedloans had to manually fix the error. XXXX # XXXX at the time confirmed the error I called back on XX/XX/XXXX and spoke with XXXX # XXXX and was informed that the matter was still pending. 
I was not informed of the current bill until XXXX. Up until this point my bill has been current. I was told this happened because Fedloans was working on rectifying my qualifying low forgiveness payments that were not counted.I continue to not have my qualifying payments counted but now I am getting a bill with a threat of this being on my credit report. 
I spoke to XXXX  # XXXX on XX/XX/XXXX who stated that she could see a review on my account for qualifying payments. XXXX  # XXXX stated on XX/XX/XXXX that XXXX # XXXX made a request to have the interest on my account capped. This review also continues to be pending. This same review was requested on XX/XX/XXXX which the system shows has been completed but not resolved. 
I then requested to speak to a supervisor XXXX # XXXX who stated that the problem appeared to occur after I was transferred from a IBR to a revised payment plan. XXXX # XXXX stated that in order to qualify for a payment of {$5.00} I will need to qualify for a forbearance. Ms. XXXX # XXXX continued to acknowledge the error was not on my end and she apologized. The issue still is not resolved. I was informed that the issue would be reviewed in detail, taken care of and myfedloans would get back to me. 
It appears that after trying for months to resolve the matter, I have no choice but to seek your support in resolving this matter. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received a credit report from Equifax which states I have a level of delinquency on accounts! To my knowledge i have not had any delinquencies!!! I would like this corrected. I am planning on buying a house pretty soon! 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: LD Holdings Group, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am filing a complaint against Loan Depot. The team we worked with came out of the XXXX XXXX XXXX , XXXX XXXX, XXXX, TX XXXX office. 

In short, we recently performed a Refinance with Loan Depot. I work as a Branch Operations Manager in mortgage, so I am familiar with the TRID requirements. Loan Depot gave us a {$2500.00} Lender Credit that they attempted to take back.I have emails and multiple evidence of them lying in order to try to extort a {$2500.00} check, outside of closing. After we confronted them about their misconduct they have still not stopped and the branch continues to try to extort this amount from us. If we were not more experiecne in the field we might not have known. They used HUD and the FHA multiple times as an " excuse '' to attempt to lie and take the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried unsuccessfully to unlock my credit report for over 1 week now. 
The credit reporting bureau I am complaining about is Equifax. 
I froze my credit report 1 year ago, at which time I was issued a PIN. 

I needed to apply for a medical loan, and can not get my report unlocked because Equifax stopped using PIN 's and instead requires a myEquifax account, which I did not have. Upon trying to create an account, I was directed multiple times to contact their Customer Care. The phone number is anything but customer care. 
It's a voice response system that appears designed to avoid letting you talk to a human being. 

After many attempts, I was given a fax number to send a form to making my request. 
48 Hours after submitting my form and drivers license/social security card information to their black hole, not only do I still have a locked report -- but I can't even sign in online. 

What a pain!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: CORELOGIC INC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
The following is an email I sent to Corelogic explaining the situation and requesting for our funds to be refunded immediately : I have attached all the documentation for my escrow shortage. The first document is my escrow analysis showing a payment of {$1500.00} on XXXX. The next document is a copy of the check that Corelogic sent. The next document is the XXXX statement from closing showing a payment on the very last page of {$1500.00} for XXXX half taxes. The second payment from Corelogic was received at the County on XXXX/XXXX/15 and the XXXX XXXX XXXX was received on XXXX/XXXX/15. So, there was an overpayment of {$1500.00}. There was a letter sent to Corelogic asking for direction on where the refund should go and I have attached the refund request letter from XXXX XXXX XXXX. The County stated that Corelogic processes XXXX XXXX XXXX 's taxes for them. 
I need this refunded ASAP. My escrow is showing a shortage and my monthly payment on my loan has gone up almost {$300.00} per month due to this error. I ca n't afford the additional payment so I need this figured out right now. I have been trying to resolve this for the last 4 months and everyone is blaming everyone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-12
Company: REGIONS FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went out of state to Arkansas in XX/XX/2014. I was in a car accident and was in XXXX XXXX XXXX at the time I called my mother, XXXX XXXX XXXX on her cell phone from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX withdrawaled {$4000.00} over the course of 4 days. Without my permission. 

I contacted Regions Bank, to inform them that the transactions were unauthorized. 

For one the card that XXXX XXXX XXXX used was suppose to be deactivated upon activation of my new card that was in my personal possession at the XXXX XXXX XXXX XXXX in XXXX XXXX, AR. 

I submitted the unauthorized transactions complaint to Regions Bank. They did not pursue the complaint. Regions Bank stated, " The transactions were authorized. '' That was their response upon completion of their investigation. 

I don't know all the specific dates of interactions between the bank and I. But I do still have a copy of the complaint and dates that these transactions. 

I want this money recuperated to me. It was theft and it is not right that this was able to happen without consequences.

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 2015-07-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My name is XXXX XXXX. Equifax is showing my name as XXXX XXXX with a address in XXXX Ohio. Also there is XXXX credit cards that are on my credit that are my sister in laws XXXX XXXX. I 'm XXXX XXXX dob : XX/XX/XXXX. I would like for her name, address, and both credit cards to come off my credit report. This is ridiculous and I have tried to get it off through equifax but they did not do anything for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I was directed to fax a waviers letter on the late charges to the correspondence inquiries dept. Put their to me to talk with them. I ask that their put and listens to all calls from XX/XX/XXXX and XX/XX/XXXX was told if I pay {$2200.00} that XXXX later charges would be taken of my Seterus Account each was {$26.00} my Seterus Account would be even this was okay by the supervisor but only {$78.00} was taken off my account. I only owe {$26000.00} on my loan. Seterus is trying to take my home. In XX/XX/XXXX I find out Seterus dropped my flood insurance XXXX XXXX I had over 20 years and added their own flood insurance for almost three times over XXXX price. I nor XXXX was never notify on the renewal their paid XXXX in XX/XX/XXXX why not in XX/XX/XXXX. Now I must pay for a flood elevations certified to go back to high point XXXX insurance which cost over {$600.00}. Now XXXX/XXXX/XXXX I 'm being told I have to pay the extra which was never discussed with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: EQUIFAX, INC.
State: MO
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:
I Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a customer of Discover for over 20 years with two credit cards, including an outstanding credit history. Recently I discovered that one of my accounts was closed ( according to them due to inactivity ). My issue with this is I do not feel I as properly notified, I only found out when I received a termination of service letter from company that provided additional credit protection on this particular card. When I called Discover about this I was only told that one letter was mailed out to me in XX/XX/XXXX ( which I did not receive ) supposedly stating that if I made a purchase before mid XX/XX/XXXX the account would remain opened and the only thing I could do was to reapply for a new card as once an account is closed it can not be reopened. I have a serious issue with this as I stated I had two credit cards with Discover and not once was an alert/message visually placed on the Discovers online home page of my account-it stills shows this closed card having an available balance on the main page. Not only did they close my card causing my credit score to drop but I had to apply for another card which would also cause my credit score to drop. On XX/XX/XXXX I spoke to four different individuals and was transferred to departments that was not even working that day, only to be told a repeated scripted response that once an account is closed it can not be reopened. I think that with my years of loyal service as I was often told even as recent as XX/XX/XXXX, that my account remaining open would not solely depend on one letter ( that I did not receive ) being mailed to my home. My phone number, email address, are all on file as additional means of ways to communicate with me. This act in my opinion has caused me consumer harm and was/is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: DISCOVER BANK
State: NY
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 have a Discover credit card originally opened in XXXX in which I have a {$15000.00} credit limit and have used my limit. My current annual income which has remained the same over the past couple of years is around {$50000.00} - {$55000.00} I tried to contact Discover as I am currently going through financial hardship to see if we can settle on a lower balance as I feel Discover should have never approved me for such a high credit limit based on my income, it was only so they can charge me a lot of interest. I have other credit cards through XXXX, XXXX, XXXX bank, XXXX these lenders have given me credit limits from {$1500.00} to at most {$4000.00}. All the credit issuers use the same criteria such as income and cost of housing so I don't understand why Discover approved me for such a high credit limit which I now find difficult to pay and get out of debt. I believe it was so they could charge me a lot of interest.Back in XX/XX/XXXX Discover raised my credit limit from {$13000.00} to {$15000.00} without me requesting it and also approved me for another Discover credit card in XX/XX/XXXX with a {$4000.00} credit limit. I assume responsiblity as a customer, all that Discover offered me was to lower my interest rate on my credit card to 9.99 %. I feel that based on my income of {$50000.00} - {$55000.00} Discover should have never approved me for a credit line of {$15000.00}. The interest rate being so high has led to all my payments going to towards the monthly interest that ranged in {$250.00} range, making it impossible to pay my balance down. I have been a good customer never making late payments, always at least paying minimum, I believe that offering me a high credit limit was not done for my benefit but theirs, as they knew my income had stayed the same, but increasing my limit throughout the years without me asking them to and charging me a high interest rate, ensures they can make the most money off of me as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: WELLS FARGO & COMPANY
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had gotten a few months behind on my wells fargo loan, I originally asked for a forbearance which they said was accepted and would be in place until XXXX 2014. It was never put in place. In XXXX I called and setup automatic payments and a payment to pay my past due balance in full. I never heard anything from Wells Fargo after that until I received a letter stating that my loan was due in full and had defaulted. When I called the lady I spoke with said the person who took my account information for the payment missed a number in the account number so the payments never went through. I was never once notified of this and now I have set up monthly payments with them but they will not offer me any relief. I do n't feel I should have a defaulted loan on my credit report if I did not default it was the lenders mistake, but they said there is nothing they can do to fix it or help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/22 I obtained my credit reports from Experian, XXXX, and XXXX and these 3 companies are continuing to illegally furnished incorrect and inaccurate data on my credit reports for XXXX XXXX ACCT ( ACCT # XXXX ) and a XXXX XXXX acct that has not been validated and/or verified. After asking numerous times for validation of these debts and if I did in fact give authorization to these companies to legally use my personal information according to the FCRA no legal remedy has been made. They continually use my personal information without my consent I want it to stop immediately.

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 2019-08-20
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
i uploaded my photo ID and W2 form and paypal told me: "Your PayPal funds are now eligible for withdrawal" but i cannot transfer my funds by check or bank. Please help me is more than 180 days already. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: GA
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:
I received an email from Experian " screenshot attached '' for which I followed the links and viewed the changes to the report. However, they continued to leave names I have never been known by and I proceeded to click the dispute buttons and proceed to dispute 6 names I am not known by, then it tells me the disputes are not sent " See Screenshot '' and asked that I call a phone number so they can help you. I have tried endlessly to speak to a live person but their " BOT '' always says, no representative is available how can I help you '' and of course, it eventually hangs up on me. I have submitted my Driver license as proof of my identity, my address, and my name, and apparently, that is not good enough either. I have attached a copy of my driver license as well. 

This has now gotten into what I believe is Pure Harassment and Abuse. 

I received a phone call yesterday from a company that states that the Credit Bureau provided my personal information to them and I do have that on a recording. I have spent well over a year telling them to quit selling or giving my information out to companies to call me, as I am on the " Do Not Call List '' and they just continue to do so. I believe this is where the Identity Theft Originated From, as several companies have indicated this scenario and two have been confirmed to be Scammers. 

I personally tracked down one large group of Student Loan Scammers and Have ALL of their information. Ironically that group has an account with Experian enabling them to run credit reports on people ( I have valid proof on that too ). 

I had to remove all of the XXXX  accounts from Experian due to the fear that my information has been provided to more scammers than I am currently aware of. 

I recently started the process of a USDA Direct Home Loan and as a result of all of Experian 's Games with my credit score and refusal to fix the inconsistencies on my credit report, I may be denied that opportunity. I had a score and now I don't.

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 2018-01-08
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new BBVA Compass bank account under the following terms : BBVA Compass is offering a bonus of {$200.00} when you open a new checking account and complete the following requirements : Receive a direct deposit of at least {$300.00} within 60 days of account opening However, I have not received the bonus yet. 

I met the bonus requirements ( Receive a direct deposit of at least {$300.00} within 60 days of account opening ) on XX/XX/2017 and should have received my bonus by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2019 my {$26.00} min payment due was supposed to be submitted from my bank institution BillPay system, however they had a problem in the system & notification came for me to check or resubmit directly to who it was directed. 
I went in & paid this thru the credit card payment system on XX/XX/2019 However, they claim that it was after the cut off time they have, but they accepted it on the due date & sent me a confirmation of it being received on XX/XX/2019 They then charged me a past due fee of {$26.00} & refuse to make an adjustment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have been repairing my credit for 5 years. XXXX and XXXX work wonderfully and erroneous items are being removed at a good pace. My XXXX score is XXXX, my XXXX score is XXXX ... ..and wait for it ... .my Equifax score is XXXX and it does not move. They are violating my rights under the laws that they must live by ; they must response in a certain period of time and they are not. THEY MUST PROVIDE ME WITH MY ORIGINAL SIGNED CREDIT APPLICATION, ALL STATEMENTS ITEMIZING EVERY CHARGES, AND A COMPLETE ACCOUNTING OF ALL FEE, ETC ASSESSED TO ME - THAT IS THERE OBLIGATION IF THEY WANT TO BE IN THE BUSINESS THEY ARE IN. They are not doing this and the are not sitting on the process while XXXX and XXXX are doing a great job. I am getting ready to sue Equifax for financial damages in the form of high interest rate loans do to their refuse to comply with the law that governs them. They said they have no record of me ( that 's a stall ) ; I 'm XXXX years old, they had over XXXX trade lines on me. I am calling the governors office in XXXX next, this is criminal.

Company response to consumer: Closed with explanation