BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-24
Company: WELLS FARGO & COMPANY
State: NH
Product: Credit card
Issue: Billing disputes

Complaint:
I am having an issue w/Well Fargo Nat'l Bank @ XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX in that I recently p/o my debt to them IN FULL, in the amt. of {$48.00} & $ XXXX, XXXX separate chks. I mailed the chks., w/the bill a FULL days days ahead. The bill was due XX/XX/XXXX, they have repeatedly held my chk. to be able to stick me w/a LATE FEE & in this case, in addition to the late fee, chg. me INTEREST, as well. I just rec 'd a bill in the mail for {$71.00} & they have closed my acct. They are a horrible bank to deal with! I am a recent widow & only get pd. once mo. & send all bills currently due the XXXX of every month. I have sent them a letter, stating my complaint & that I am contacting the FTC. I have NO plans to pay for the late fee nor added interest. These institution is schiestering people constantly - I have had enough of it. I hope you will contact them to dispense these bogus fees, please!!! 
Sincerely, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXEmail ; XXXXXXXXXXXXPS- You may respond to me either in writing @ my address above or my email. Thank you for your time & cooperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: NM
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT OF THE TREASURY : XXXX XXXXXXXX XXXX XXXX XXXXXXXX : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: AES/PHEAA
State: NJ
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 am the cosigner parent of a loan with XXXX XXXX XXXX XX/XX/XXXX. Loan agreement terms ended XX/XX/XXXX. Payments began XX/XX/XXXX to current. XX/XX/XXXX I requested consideration for cosigner release. Request denied for insufficient payments. 48 are required. XX/XX/XXXX I applied again. Request denied for forbearance applied. I submitted proof to AES of all payments from XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and 18 month pay history for XX/XX/XXXX. I sent all these bank statements which has only my name on the account and a copy of my loan agreement that i signed in XXXX with XXXX. No one requested a forebearance. I made the payments from my account. I identified my daughter had worked while attending college all of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and current. The forebearance could not apply in this case. AES forwarded a account transaction summary showing 3 cosigner payments applied in XX/XX/XXXX, 4 cosigner payments in XX/XX/XXXX, 10 cosigner payments in XX/XX/XXXX. I handled these transactions from my account to ensure AES would receive payments while my daughter was building steady employment history. The payments came from one account, all. Checks. My contract with XXXX was sold to AES in XX/XX/XXXX. My contract does not say loan servicing agency reserves the rights to misleading cosigner release advertising.. Close to XXXX has been credited to this account. I asked how can I accomplish cosigner release benefits. The account transaction summary was the reply. This must me illegal to apply payments this way without terms and conditions consent from AES to us to agree or decline. I found out the loan was sold when AES falsely denied my request for release. I spoke to a local XXXX branch about this. I learned that XXXX does not make cosigner release decisions because the loans were sold. The AES representative told me XXXX decides because I challenged the incorrect forebearance denial & payment schedule denial. I 'm concerned both myself and daughter will be a financial hostage to AES. I forwarded my appeal to the VP of Compliance and VP of Loan Operations. The account transaction summary was the answer. I need a referral for consumer protection. Please advise. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Payday loan collection agreement was made with national credit adjusters on XX/XX/XXXX to make a payment totaling {$350.00} and {$45.00} for agreed settlement. The payments were made but national credit adjusters refuse to acknowledge the recorded agreement so that the collection can be removed from my credit report. Several Calls have been made to the collection agency with me being advised on a recorded line that the payment will be reported by XX/XX/XXXX but it has not been. I reported the collection to XXXX  as paid and the agency denied that it was. As of Now the collection still remains on my credit as unpaid. I spoke with XXXX # XXXX. Ref # for Payment is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-10
Company: MNE Services, Inc
State: NY
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A person from a collection agency representing a payday company call cash advance call me day and night, at my work place, e- mailing me making threats of arrest, insulting me, accusing me, and that if I 'm do n't pay right away I 'm going to be arrested and put in jail. is a very nasty person that do n't want to listen to reasoning. I 'm very stress out with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: Credit Karma, LLC
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX, XXXX, I did a personal credit check through Credit Karma and found out that a mortgage had been taken out in my name XX/XX/XXXX in which I was incarcerated. And have proof of. There was also a Ford vehicle was also on my credit report. Due to the date I was XXXX at the time and unable to buy a vehicle. I need to have my credit reviewed and fixed with your help Thank You.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out a student loan XX/XX/2009, I was XXXX and my parents were not able to support me economically I lived in XXXX before moving to the US and the college I attended is located in XXXX XXXX XXXX, XXXX. The name of the institution was XXXX XXXX University and has been acquired recently by XXXX University. 

I feel it was and still is a predatory practice this institution is using, since it is targeting young XXXX students without evaluating if these kids can repay their debts. I was called by their recruiters several times until they convinced my father to take me there. I was not ready, and my father had no option, he had just lost his job. When I got there, classes had already started, and the recruiters did not care, they just wanted me to enroll even though I had missed some classes on my XXXX of college. I was not explained about the terms, interest rates, how much I was going to loan out or how much was a grant and how much was a loan. I would have preferred to come to the US in the first place, study in a community college and try hard to get a scholarship or even study in a state university in which I could save thousands of dollars. I am now stuck with $ XXXX in debt ( which is much higher than the average student debt ) and no college degree. 

What I feel is that these people are making money out of uninformed young kids so I strongly encourage you to start an investigation towards them because I know I am not the only one affected by this. I know there is a lot of people that studied there and they can not repay their debt. It is just unfair, I now work on the mortgage business and I know how important It is to inform consumers about the product they are applying for. 

As I mentioned before, I was just XXXX years old ; do you really think a XXXX year old kid can make a $ XXXX decision? I will not let my kids do that, that is for sure! It should be more regulated, I know people need education but if you can not afford it you should consider other options or opt for scholarships but do not stuck kids with lifelong debts, it is not fair. 

Any type of solution for this matter would be much appreciated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: Manhattan Beach Venture, LLC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XX/XX/XXXX, XXXX from The Student Loan Relief Department in XXXX, XXXX, CA XXXX signed me up to have my student loans lowered and then forgiven in 10 years. They would have purchased my loan from my loan company and I would have paid XXXX for the transaction with XXXX at he same address, but from Mahattan Beach Venture, LLC. I called to cancelled and they 're refusing to answer and return my calls.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hey I was inquiring about an issue that I have with BB & T where there's was fraud committed on my account causing it to close/charge off for no apparent reason. I disputed this item and let them know multi times that fraud was done and they dismissed my claim with no real investigation and they told me that it was verified without providing any documents. This has cause my to owe XXXX plus dollars and I am unable to open any new bank 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
Consumer complaint received 2015-10-12
Company: Van Ru Credit Corporation
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On or about XXXX XXXX, 2015 I received a call and I believe that they identified themselves as debt collectors. They did not say who they were attempting to collect the debt from and asked me to provide an address or my Social Security Number. I found this quite disturbing and improper. I asked them who they were attempting to collect the debt from and they did not have an answer for that. I said that the phone number has been mine for a few years so you might be looking for someone else. I asked what company she was from and she stated Van Ru Credit Corporation. I see that it is likely that there are multiple complaints against this company on the internet ; my negative assumption is that they are as corrupt as the rest of the State of Illinois that they reside in. It would be greatly appreciated if you could find out if they are cold calling for phishing purposes or other fraudulent schemes. Thank you very much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to Suntrust shortly after we obtained it XX/XX/XXXX. Their service has been unremarkable until recently, when I received a XXXX page machine generated letter stating that my house insurance had lapsed and threatening to buy a policy at a cost of more than XXXX times the actual cost of my insurance if we failed to update them. The letter claimed a lapse " notification date '' of XX/XX/XXXX. My home policy anniversary date is XX/XX/XXXX. I received an invoice from the insurance company on XX/XX/XXXX or thereabouts and I actually paid the premium online on XX/XX/XXXX ... which came out of my bank on XX/XX/XXXX. Just to be sure that it had posted, I talked to my agent on XX/XX/XXXX and she validated that it was in the system. 

The postmark on the letter SunTrust sent was XX/XX/XXXX. In Virginia they ca n't take any action until 60 days beyond lapse. Clearly they checked with my insurance company after the invoice date but before the anniversary date. Either it took them five days from the prodcution of the letter until it hit the mail ( incompetence ) or the letter was printed after the claimed notification date ( deceit ). They told me on the phone that they had checked with my insurance company before the letter went out. Either they checked before the actual due date and did n't check back on XX/XX/XXXX ( incompetence, deceit, or both ) and the sent the letter without thorough checking officially putting the burden on me to send proof of payment ( bad customer service ). And they have incurred unnecessary costs on ther off-chance that they will be able to charge way above market rates in the -- most likely -- few cases where there is a lapse that is not remedied within the statutory 60 days ( predatory business practice ). I am going to complain to the XXXX ... and the Consumer Financial Protection Bureau.

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 2017-02-11
Company: AES/PHEAA
State: OR
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:
- When my loans transferred from XXXX to XXXX, I was told that all information including my XXXX plan information, my payment amount, and direct debit information would transfer with it. 
- My loans were transferred as of XX/XX/XXXX due to participation in XXXX - XXXX was not able to give me any information regarding my loans from XX/XX/XXXX through XX/XX/XXXX with no explanation ever given. 
- On XX/XX/XXXX, I was told that my payment amount would be $ XXXX, on an XXXX plan - I paid the XXXX amount and set up direct debit for the regular monthly payments - On XX/XX/2017, I paid a lump sum on a single loan that I wished to pay down the principal of. I chose a high interest loan that I wanted to pay down at an accelerated rate. 
- My online account continued to reflect a monthly payment of $ XXXX - XXXX week later, I received a letter in the mail, dated for XXXX/XXXX/XXXX, stating that my monthly payment would be $ XXXX, due to my XXXX having expired. I had renewed my XXXX in XX/XX/XXXX, with XXXX, so this did not make sense to me. 
- I called XXXX who were unable to explain why my online account still stated a monthly payment of {$290.00} and I got a letter stating {$2800.00}. They refused to attempt to contact XXXX to confirm that I had renewed my IBR. They stated that I had to pay {$2800.00} for XXXX ( which was XXXX weeks away ) or put loans into forbearance. 
- Therefore, I asked for PART of the lump sum ( {$2800.00} worth ) to be reallocated to the XX/XX/XXXX payment so that it would be covered while I reapplied for XXXX due to the error in loan transfer. 
- Instead of reallocating part of the loan, they instead just redistributed the lump sum to " pay my account ahead '' in spite of my express wishes to use the majority of the lump sum to pay down the highest interest loan. 
- I have called twice since this occurrence to ask the the payment be appropriately allocated, and they still have not corrected the error. 
- In addition, they received faulty information from XXXX that my loans had been in forbearance from XX/XX/XXXX through XX/XX/XXXX. This is inaccurate. I paid monthly PSLF-qualifying payments to XXXX from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX payments by my count. They refused to contact XXXX to correct this misinformation and have therefore given me no credit for XXXX PSLF-qualifying payments during the time I was at my former employer. I sent the documentation proving that I had made payments and have received no response regarding the matter. 
- At this point, I have called XXXX XXXX times and spent about XXXX hours of my time on the phone with them. I work as a busy primary care physician and XXXX hours of my time is approximately {$400.00} based on my hourly wage. Every time I call they state they will correct the error only to generate new errors or fail to correct existing errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company penn credit corporation about a utilty bill when I never even lived at this address or know anyone that lived there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX and XXXX  have not investigated my dispute and added a false comment on my file for the below account. 

" XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  '' file number XXXX Completed on XX/XX/2020. 
Also when I try to dispute this again I got a pop-up message : XXXX  didnt review this item because you asked them to cancel it. If you changed your mind, contact XXXX  ... I never cancel this dispute!

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 2016-06-10
Company: Navient Solutions, LLC.
State: IN
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 was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 90 days past due as of XXXX 2013 Account numbers : XXXX ; XXXX :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CONTRACT CALLERS INC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a phone call today ( XXXX ) from ( XXXX ) XXXX stating they were calling to collect a debt from XXXX from XX/XX/XXXX. When I asked to verify what was purchased, she stated because the debt was so old, they would n't have that information. She said the company was " contact calling ''. I refused to communicate any further without proof of purchase, as it was almost 20 years ago. Do n't call me again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-11-02
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I XXXX XXXX applied for a mortgage on or about the year of XX/XX/XXXX. I applied for a mortgage amount approximately of {$100000.00}. I filled out a XXXX form and supplied all necessary documentation along with signing a XXXX form so Webster bank who originated this no income check subprime mortgage could verify I can afford it. Webster bank who originated this mortgage committed fraud in the fact that they never audited and ordered my XXXX directly from the IRS to verify my actual income and stated what it was instead. The current mortgage with Webster Bank loan # XXXX on my Owner Occupied Property : XXXX, NY XXXX, my S.S. # is XXXX D.O.B. XX/XX/XXXX. Webster Bank NA are committing the following Fraudulent and Federal Law violations:1. LACK OF STANDING TO FORECLOSE ; ATTEMPTED ON OR ABOUT XX/XX/XXXX2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. VIOLATIONS OF HOEPA ; 11. RESCISSION. 
12. MAIL FRAUD IN BILLING AND CONTINUALLY BILLING TO THIS CURRENT DAY.

Company response to consumer: Closed with explanation