BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-29
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
My name is XXXX XXXX and I have a complaint with Castle Pay Day. I received a loan from Castle Pay Day XX/XX/XXXX which stated I was to borrow {$800.00} and a one time finance charge of {$200.00} which I agree to pay which made the loan a total of {$1000.00}. Castle Pay Day sends out text messages XXXX day in advance to my phone before taking money directly out of my checking account. I start making payments XX/XX/XXXX amount of {$200.00}, next payment XXXX XXXX, {$200.00} XX/XX/XXXX in the amount of {$200.00} and XX/XX/XXXX for {$200.00}. Castle Pay Day know says that I still owe them {$1000.00} because I have not been calling them to verify that the money has been collected. Castle Pay Day did not before I receive the loan mention anything such words as to call before making a payment. Castle Pay Day sends out text messages before taking my money ( " to reply or call if you have questions or wish to modify your pmt amt. For Help reply HELP ) ''. And before they take your money Castle Pay Day sends out text message to inform you they have withdrawn money from my account. I have called Castle Pay Day several times ( XXXX ) to resolve the issue. I only want my money that Castle Pay Day took from my account to apply to the loan that was issued to me. Castle Pay Day says that the money that I already gave them was for finance fee, which I was told it would only be a XXXX of {$200.00} for finance fee. I only work part time ( XXXX hours wk ). Please help me solve this matter. I do not want this on my credit report. In the mean time I have block Castle Pay Day fro taking money from my checking account, but I would like to pay the remainder of what I owe Castle pay Day which should be {$200.00}. Thank You Sincerely XXXX XXXX : XXXX : XXXX XXXX XXXX, XXXX, CA. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I initiated a dispute XXXX/XXXX/XXXX with all XXXX credit bureaus ( XXXX, XXXX, and Experian ), because the original creditor failed to respond to my requests in XXXX/XXXX/XXXX. I allotted each bureau with time and documents supporting my claim that this credit entry DOES NOT belong to me. It has been over 30 days and rolling 60 days ... .I have not received an update regarding my dispute. However, when I log into my online accounts with the credit bureaus, the entry has not been updated nor removed. I feel I gave more than enough time to resolve this dispute. 
I think the original creditor, XXXX XXXX, is behind this ignorance. Either party ( the bureaus or XXXX XXXX ) should have contacted me by now. This account does not belong to me in the first place. I contacted the bureaus in XX/XX/XXXX reporting fraudulent activity on my credit profile, and then Federal Trade Commission in XX/XX/XXXX when more entries were appearing on my report. 
Please help me resolve this dispute. 
I sent the fist letter to the credit bureaus by regular mail on XXXX/XXXX/XXXX. 
The second letter certified on XX/XX/XXXX*XXXX tracking XXXX XXXXExperian XXXX XXXXMy postal has expected delivery dates ranging from XX/XX/XXXX-XX/XX/XXXX. 
Meaning each bureau should have received my 2nd dispute by now. Please review the attachments and contact me if you need any additional information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXXXX/XX/2015 ( XXXX/XXXX/XX/XX/2015 business day ) I went into a People 's United Bank branch to close out my mother 's estate account. I was clear that the account was being closed and purchased several bank checks, leaving the balance at {$0.00}. 
Over the past month I started getting collection notices from People 's United stating that the account was overdrawn by {$9.00}. When I checked the account activity online I found that the bank had not closed the account as I instructed, although it was brought to a {$0.00} balance. On XXXX/XXXX/XX/XX/2015, a month after I closed the account in person at a branch, People 's United charged a {$10.00} maintenance fee and credited {$0.00} in interest to the account, leaving the balance overdrawn by {$9.00}. 
I contacted People 's United on XXXX/XXXX/XX/XX/2015, and after an extended time on hold finally reached an agent. She told me that there was nothing she could do and that I would have to go to a branch to resolve the situation. I told her that I was not able to do this, and she again stated she could n't resolve the error over the phone. At that point I informed her that I was going to complain to the CFPB about their practices, and she indicated " OK ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-14
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NM
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am a homeowner XXXX years old with excellent credit. In a nutshell I was told I qualified for a mortgage if I sold my home as I wanted to change locations. My home sold and then I was told I needed 2 years of income verification '' from the same source ''. I have 45 years of verified income, from various sources. My credit score pushes XXXX. I have very little other debt ( $ XXXX ). The issue seems to be that I sold my business in XXXX 2015 and am receiving monthly payments from that sale, BUT they have only been paid for 5 month, not 2 years. SOOO now I have no home and am told I must wait another 18 months to get a home loan. I add insult to injury I am a XXXX vet. What the XXXX is going on with this country? What can you do to help me own a home?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have an equity line of credit or a second lien on my home through SunTrust. After 10 years of paying the loan and never missing a payment, the repayment period has ballooned the monthly payment to the extent of creating severe hardship for me. I asked Suntrust to rework/refinance the loan so I can get an extended period to pay this back. They denied the application which has put me in financial hardship. I feel that Suntrust is not being equitable or practical in considering my loan application. The first mortgage payment is {$1600.00} to XXXX XXXX while Suntrust is telling me I have to pay them {$1600.00}. This is unreasonable and not feasible for 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 2016-03-12
Company: Credit Karma, LLC
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have provided www.credit karma.com with correct XXXX and XXXX reports. They have deleted my files and refused to reopen report the corrected files. They have no telephone support and for several months have not corrected my credit files.

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 2015-06-12
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
to whom it may concern : I have been in my home for 21 years. I got divorced about 13 years ago and was left to pay my house note..i found out that I was on a adjustable rate about 7 years ago.i have been trying to get on a fix note since then. every company I went through has taken my money ( and its about XXXX different companies ) saying they will get me on a fix rate..Never happen and I in a bad situation now..cause they want my home now!!! I have not paid a house note in 7 years and now they want my house..i have defraud out of my home cause of all these companies and I do n't think its fair to me and my children..its not like I have been sitting around doing nothing..what I want to know is why I cant get a loan modf..or a fix rate. my loan is now with bayview loan services and like all the rest they cant help me either. what is really going on? you work for these companies to help people like myself and yet still nothing is getting done..so I just have to take my lost out of my home and nothing are no one helped me..if anyone can find in there heart to help me please step forward and do so..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
1. Fedloan Serving failed to inform me that upon being enrolled in an Income Based Repayment plan that interest would be capitalized on my account and that my balance would increase by more than {$15000.00} as a result. This occurred on or about XXXX/XXXX/2016. I complained to CFPB around that time and NOTHING has been done to rectify this. My balance shot from $ XXXX to $ XXXX overnight, even after making payments on the account for over a year. 

2. I had been working XXXX jobs in 2016 and lost XXXX of them in XXXX 2016. I now only work part-time and subsequently requested that my payments be lowered based on this significant loss of income. Fedloan Servicing has refused to adjust my payments even though my income has been decreased to only around XXXX of what it was prior to losing the XXXX job. The last communication I received from Fedloan Servicing about it, I was told that I had to fully re-apply for IBR in order for them to re-calculate my monthly payment amount, even though I had just been enrolled in the IBR plan REPAYE less than three months earlier. Of course, after the fiasco I described above in point No. 1, I now know that they are requiring me to re-apply so they can again capitalize the interest on the account to further increase my balance! At this rate, with Fedloan Servicing using every tool at their disposal to increase my balance at every turn, I WILL NEVER BE ABLE TO PAY THIS OFF!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax last month according to XXXX was showing my credit score at XXXX, today XXXX XXXX 2016, Equifax is showing my credit score with XXXX at XXXX. 
I had no negative or bad items in the past 24 months to cause this change. When I contacted Equifax , they had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a number of student loans and the worst company to deal with by far is FEDLOAN Servicing. I have tried since XX/XX/XXXX/XX/XX/XXXX to get my student loans on extended level payment. Over the course of this, we have talked to many agents concerning this. We have also gotten many different answers, one hand does n't know what the other hand is doing. We were first told that we did n't qualify, then we did. Finally after numerous attempts, we finally thought it was right. We received the documents today in email and they still do n't have it right. half are correct and the other half is not. This is by far the worst student loan company I have to deal with. This comapny sucks the life and time out of you, over and over. Ridiculous, I need to get this right and I am fed up with phone call after phone call, total waste of time and as far as I am concerned they are a SCAM. I am entitled to the repayment plan to reduce my payments over 25 years due to the fact of my low income. These people do n't seem to want to provide what entitlements we have as tax payers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02
Company: AES/PHEAA
State: WV
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 was awarded the TEACH Grant while obtaining my XXXX in education from XXXX. The grant is worth {$8000.00}. Due to the TEACH Grant people saying they did n't receive the paperwork I filled out, which I have copies of. My grant was converted to a loan, serviced by FedLoan Servicing. I have been trying for XXXX years to get the grant converted back into a loan, but I am always given the same response that if my agreement to serve is not fulfilled, the grant converts to a loan. 
My tax refund has been garnished, and now my wages are being garnished. This is causing financial strain on my family, and stress on my marriage. I am still trying to figure out what the next steps are to have this loan converted back into the grant.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
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:
I believe that the 8 % interest rate on my consolidation loan rate is fraudulent. I have tried multiple times, without success, to find out from AES, the consolidation loan servicer, how this rate was calculated. According to the loan document small print : " The maximum interest rate on this loan will be equal to the weighted average of the interest rates on the loans consolidated ... '' The rates on the original loans range from 3.45 % -3.6 %. Logically, the rate on my consolidation loan should fall somewhere in that range as well, yet I have been paying 8 % since 1997. I want my loan to be re-calculated at the correct rate and any overpayments i may have forwarded to be returned to me at 8 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 've been receiving calls daily from merchants credit guide for some medical bills. Last month we paid off a few of the debts, and I had asked if that was all of them, they had said yes. Today I received a call from them that I missed. I called them back to see what it was about. The lady on the phone was immediately very rude and not very nice. She had extrmeme attitude and began yelling on the phone at me. I asked for her name and all she would give me was a first name. All I wanted was information about my debt and all i got was anger and frustration. I spoke to her supervisor, who acknowledged her behavior and apologized, but I wanted to make a formal complaint against them, because it probably happens daily.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: Performant Financial Corporation
State: AL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My payments on this debt are not being reported accurately. This debt began as a private student loan I took out while I was in graduate school. I finished graduate school XX/XX/XXXX and had no job and no other income. I defaulted on the debt because I had no way to make the payments. 
As soon as I was able to get a job and get back on my feet, I began making payments on this debt. I have made monthly payments for over XXXX years now, for a total of over {$6000.00} in payments. I still have over {$9000.00} left to pay on the debt. I have asked the lender for a rehabilitation option or some other way to get this debt back in good standing ( since most student loans have that option ), but they always tell me they do n't offer a rehabilitation option. 
Although I always make a payment of {$200.00} each month on this debt, this debt is reported every month as " Past Due. '' There is no way to tell from my credit report that I am making monthly payments on this debt. This company has agreed to accept $ XXXX monthly, and I pay them $ XXXX monthly. That agreement should be reflected on my credit report as " pays as agreed. '' Instead, I look like a deadbeat who does n't pay her bills. I just want my payments reflected accurately on my credit report. 
What makes the situation even more ridiculous is the fact that my father, who filed bankruptcy XX/XX/XXXX, has a better credit score than I do. I have made sacrifices and delayed goals like buying a house so I can pay off this debt. Even though I 'm doing the right thing by paying this debt off, I feel like I 'm being punished. Should I have just wiped out the debt instead by filing bankruptcy too? The way my credit report looks it seems like that would have been smarter. 
This debt is scheduled to stay on my credit report until at least XX/XX/XXXX. I 'm making payments every month. I just want those payments reflected accurately so I can move on from ruining my credit five years ago.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Fay Servicing, LLC
State: IL
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:
I requested a verification of the debt they are trying to collect I already Sent 3th Verifications of debt letters today I ', m sending the 4th validation letter.And I never receive any Validation of the Debt Isent, FAY SERVICING LLC is trying to collect a debt I never engage with them they are trying to collect a debt. I dont Owe I never have any kind of business with FAY SERVICING LLC conpamy thewrefore I need your help. 
see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has an Inquiry on my Credit Report from XX/XX/2015 (last month).  XXXX sent me the paperwork that it sent that paperwork to Equifax to remove the Fraudulent Inquiry (XXXX inquiry on my Equifax Report).  XXXX told me that the Ball is in Equifax's court now.

Also I am a Victim of identity theft.  XXXX identity theft solutions has been assisting me through the process.  They contacted XXXX to put an EXTENDED 7 year FRAUD ALERT on my file.  XXXX sent me the documentation that I have an EXTENDED FRAUD ALERT on my XXXX fileXXXX sent me the same paper work as well.  However, it has been XXXX full days (at the end of today XX/XX/2015) and I have yet to get any paperwork from Equifax about putting an Extended Fraud Alert on my Credit file.  XXXX and XXXX sent me the paperwork on XX/XX/XXXX and XXXX.  Equifax has yet to send me any paperwork about putting an EXTENDED FRAUD ALERT on my file with them.

Also these Credit Agencies do not seem to want to really help you.  I say this because I called XXXX today because I had a few questions about my identity theft, and when the 7 year alert expires I will need another 7 year Fraud Alert on my Credit, since I have ID THEFT, and I had to wait literally 20 minutes to talk to someone in their Fraud Department.  I mean when I call my cable company I have to wait a minute or XXXX.... not 20 minutes, like I had to wait today when I called XXXX.  It is quite frustrating!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-01
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
The collection agency Representative XXXX XXXX threatened to call my employer ( a bank ) and tell them I have a dirty mouth and do n't pay my bills. 
I had already paid the medical bill in full and was served papers that they were suing me for interest along with attorneys fees. I had initially contacted the company of my own free will in XXXX to pay the balance in full. They stated they were owed interest and would not accept my payment unless I paid them for their job. I asked for proof they had the authority to seek interest and they stated they did n't have to prove anything. The collection bureau was not only rude while I offered to pay in full but demeaning asking me questions specifically " oh yeah where did you get the money to pay us? '' and " your a XXXX that does n't pay her bills. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a bill for {$160.00} and it was payed off a year ago. It 's still on my credit report. Attached is my receipt proving that the bill was payed. I 'd like this off my credit report asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a business checking account with Wells Fargo. On or about XXXX XXXX I deposited {$60000.00} in checks from my customers of which {$15000.00} were returned. The bank on XXXX XXXX put a hold on my account and since than they are not telling me when they will release the balance {$45000.00} in funds. I call every day at XXXX XXXX XXXX and all they say we have no update and we do not know when these funds will be released. I am a small business with payroll and expenses to meet. Please help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation