BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-16
Company: AES/PHEAA
State: FL
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:
I initially had all my subsidized student loans through XXXX. I had an automatic payment set up with XXXX so the money was always automatically drawn. I switched to the income based payment plan and student loan forgiveness program. The representative that I was speaking with at XXXX said nothing would change and not to worry about it. I have 3 other companies with student loans paying over a grand each month so I wasn't noticing the XXXX XXXX, for that one and was assuming I was covered after speaking with the representative. That was back in XXXX and now In XXXX, I finished flight school and need to move and refinance my house. My credit is ruined because of this loan I was told not to worry about. I called XXXX and they didn't even have the loan. Fed Loan had the loan and I had no idea who they were. XXXX gave me there info. I didn't see anything from FEDLOAN, as far as them reaching out to me. I saw some things when I searched my spam folder for them. I had to pay XXXX XXXX to become current and it cost me XXXX points on my credit score. It was totally unreasonable and their customer service was total garbage. No way to help me or file a dispute on their website. The only loan I have an issue with is the government one. Their customer support is the worst. I started the automatic payment plan but working with Fed Loan is an absolute disaster and I'm doing what I want to do whatever I have to make this as painless as possible and pay what I need to each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had defaulted on my federal student loans services by XXXX XXXX due to the large monthly payment. My Loan went to a collection agency who I worked with to rehabilitate a loan. During the rehabilitation I attempted to negotiate a lower full payoff of my loan which XXXX XXXX countered twice. During the third round of negotiations my loan was fully rehabilitated and sold to Navient ( Still XXXX XXXX ). The monthly payment jumped up over a XXXX per month which wa was the reason I defaulted in the first place. I attempted to continue discussions with them concerning a full pay off and they have now stated that since my loan has been rehabilitated they are no longer willing to negotiate with me as I am now obligated for the full amount after the rehabilitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
M.G. Credit is attempting to collect on a debt that was dismissed by   XXXX   County Courts   per the petitioner for the debt. The monies allegedly owed are also being reported on my credit reports as well. Document clearly show PLAINTIFF ASK THE COURT TO DISMISS, WITHOUT PREJUDICE PLANTIFFS COMPLAINT FOR EVICTION AND DAMAGES, PURSUANT TO RULE 7.110 ( A ) ( 1 ), FLORIDA RULES OF SUMMERY PROCEDURE, FILED AGAINST THE DEFENDANT,   XXXX   XXXX   XXXX  , Signed by   XXXX   XXXX   XXXX   XXXX   and list his name address and phone number. I am uncertain why this debt is still being requested in addition to being reported on my credit reports with  XXXX ,   XXXX    and  XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: U.S. BANCORP
State: TN
Product: Credit card
Issue: Transaction issue

Complaint:
I answered an email for at home work opportunity, posting links. I was quickly talked into setting up a business and paid {$9800.00} to begin. After several coaching sessions ( 30 min ) with assignments ( lining up products, etc ). I was asked to pay for a blog. I never made a penny out of this. They said they would also promote my website, increase my sales and traffic. I terminated my services after contacted by XXXX. All these companies were calling me offering an online related service and asking for money.

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 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2016-12-22
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our home loan was in my husbands name only. He died in 2014. I kept up the payments as long as I could but had to sell the home in XXXX. After we closed, they sent an overage check for $ XXXX addressed to my dead husband after I had sent them multiple copies of his death certificate. Went to the local branch and they told me to send the check back and they would reissue in my name. They did not, they sent a letter telling me I need a copy of a filed and recorded executor document. I went to the county and they told me they could n't do that for me. I have sent US Bank a copy of the grant deed with my name on it and the interspousal grant deed that we both signed when we bought the house. US Bank said that want 's good enough.

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 2020-03-16
Company: MIDFIRST BANK
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The mortgage was modified. In order to get the modification done properly, my attorney and I had to enlist CFPB assistance. 

I made all of the trial payments correctly. The modification was properly executed in XX/XX/2019. I have made all post-modification payments PRIOR to the due dates, but as of today, the three bureaus show that I have NOT made the trial payments and that I am STILL delinquent on the loan. This is highly damaging to my credit, which is doubly harmful because this modification was rendered necessary by an employer unlawfully terminating me and the time it took to acquire a new job.

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 2016-05-20
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, My lender ( Freedom Mortgage ) has raised my monthly payment amount {$450.00} due to they are stating my yearly property taxes are {$9300.00} and my yearly property taxes are only {$4600.00} ( my property taxes are impounded ). I want them to adjust my yearly property taxes and adjust my mortgage payment. I have submitted my tax statements and an online print out from the Tax Collector to my Lender several times and they are refusing to make correction.

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 2022-03-25
Company: The Outsource Group, Inc
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Medicredit Inc. Keeps adding collections to my credit report. They added one and I disputed and the removed it to only add another debt. They call me repeatedly and harrass me. I have explained to them numerous time I need a detailed analysis breakdown of the medical bill and they refuse to send it to me. I am also in a class action lawsuit against this company for improper collection procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Experian Information Solutions Inc.
State: TX
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$500.00} UNIVERSITY OF XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report as soon as possible. 

XXXX XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$500.00} UNIVERSITY OF XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

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 2016-06-09
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I have a XXXX XXXX Rewards Visa card, issued by U.S. Bank on XXXX/XXXX/16. I filed a complaint ( # XXXX ) previously with the Consumer Financial Protection Bureau with regard to the incorrect assignment of reward points for XXXX In-Store transactions. Due to a computer programming error, the XXXX transactions were treated as though they were Out-of-Store transactions, resulting in XXXX fewer points earned during the XX/XX/XXXX statement period. The prior complaint has been resolved, and my XXXX 2016 Statement shows a " Rewards Adjustment '' of XXXX points. The Rewards Adjustment notation is listed on the statement, under the heading " Points Earned ''. 

The current complaint addresses a XXXX-point discrepancy regarding the # of Points Earned Year to Date. According to my XXXX 2016 Statement, I have XXXX Points Earned Year to Date. However, the U.S. Bank website shows a different value : XXXX Points Earned Year to Date. 

Let me describe where I see XXXX Points Earned Year to Date. Online, the screen titled " Rewards Center '' contains information about rewards. This information is positioned within a section titled " View and Redeem Rewards ''. Within the section " View and Redeem Rewards '', there is a more specific area titled " Rewards Details ''. It is there -- within the area " Rewards Details '' -- where I see XXXX Points Earned Year to Date. 

By using a simple mathematical calculation -- XXXX points ( on statement ) minus XXXX points ( online ) equals XXXX points -- a person can easily conclude that the XXXX-point discrepancy could be attributed to a computer programming error. Perhaps the computer system that conveys information online was not programmed to recognize a " Rewards Adjustment '' as being equivalent to " Points Earned ''. 

The XXXX-point disparity has an effect on whether I will receive my first XXXX Rewards Certificate. XXXX/U.S. Bank exchange XXXX earned points for XXXX Certificate ( worth {$5.00} ). If XXXX/U.S. Bank rely on the statement-generated computer system to determine if I meet the requirement ( XXXX earned points ), I would receive a Certificate. But, if they use the online-reporting computer system to determine if I meet the requirement, I would not receive a Certificate. 

XXXX/U.S. Bank need to reconcile the XXXX-point disparity as soon as possible. In my opinion, it is inappropriate and misleading to use the same descriptor ( i.e., Points Earned Year to Date ) for XXXX numbers that are not identical ( i.e., XXXX, XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: U.S. BANCORP
State: WA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I purchased a visa master card at my local XXXX for XXXX dollars. My husband tried to use the card and it said declined. and I tired to use it too and it said declined, it was never activated. We called the number on the card and the lady was very rude and would n't listen to us. She said they thought it was fraudulent activity so it was canceled. It was canceled before we could use it. I even tried to get online and put my information in like the card said to do and it never let me. It said that the card number was incorrect. The rude lady on the phone said to fax a copy of our receipt and address and number and copy of the card to her, and that she did n't know when we could get the XXXX that we put on the card. It could take a week she said. So they took our money and do n't know when we will get it. What 's the point of a gift card if u ca n't even use it. They did n't seem to want to help and resolve the problem. She never said we would get our money back, I felt like we where given the run around. I feel like I was scammed. My husband got the money order to buy me wigs online because I 'm sick and have no hair because it fell out. And now I have to wait a week or more or may not even get the money back and have no wig to cover my bald head. I ca n't wait a week or afford to be ripped off. I 'm already sick and suffering.

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 2015-05-04
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After losing my job XX/XX/XXXX, I had trouble paying my mortgage.I tried since XX/XX/XXXX or XX/XX/XXXX to get a loan modification with US BANK.Everytime they would keep asking for more information, sometimes duplicate.I always submitted it but it was never moved forward .Finally in XX/XX/XXXX or XX/XX/XXXX, I gave up on the modification and filed Ch XXXX bankruptcy XX/XX/XXXX.The loan with US BANK was not re-affirmed.On XX/XX/XXXX, I made a partial payment of XXXX to US BANK and re-applied for a loan modifcation.My bankruptcy was finished on XX/XX/XXXX.I have since been continually giving them updated info since XXXX XXXX spoke with XXXX XXXX on XX/XX/XXXX and he told me they reqiured yet addditional info! After recieving the new info, I e-mailed it to him on XXXX the same day, i was served with a summons about forclosure! No matter how much I give them, the modification never moves forward, even though they assure you it will! I am now on XX/XX/XXXX from my employer.I can make the mortgage payment ( preferably ) reduced, I just need help catching up on the arrears.I am desperately trying to save my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: TN
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:
Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Albert Corporation
State: NJ
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 an account with a referral link for a {$500.00} bonus when the terms and conditions were met on XX/XX/22. The terms and conditions stated that I had to make a direct deposit of {$200.00} or more every 30 days for 90 days, and make {$200.00} in debit card transactions in the same period. I completed all of the requirements for each of the three 30 day periods. 

On XX/XX/22 which is after the 90 day period, I messaged their customer service to confirm that the requirements had been met and that the bonus would be issued. They would only send me a generic response stating that I might not have qualified for the bonus for various reasons, and would not respond to further requests for clarification.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Stellar Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Stellar recovery place a bill on my credit report without sending me a written notice. Also never left me a message to call. I received an email thru my credit alert about the bill.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent outsourcing inc . 
sent me a letter saying they were collecting {$360.00} i owe to an orthopedic doctor. I called doctor and no debt exists. They are not looking for any money from me. I have insurance and paid my copay as I went. this was 4 years ago.

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 2022-07-20
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My Chime debit card was debited after I had already paid XXXX XXXX XXXX XXXX using my XXXX XXXX XXXX  Account! They Charged me for {$4000.00} on XX/XX/XXXX across both accounts as seen in the screenshot I sent to chime disputes. My dispute was declined after showing clear proof and evidence that this company double charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One states they " resolved '' the issue by adjusting the current payment due on this account, but still reported the account as 30 days late to the credit bureaus. 

This is in direct violation of the CARES Act, as companies were instructed not to report any late payments during this time for borrowers who requested additional time to make payments due to loss of income. Our attorney is continuing in his filing of a class action lawsuit against Capital One for their refusal to abide by these guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Our firm, XXXX XXXX, XXXX has been monitoring our client 's request for mortgage assistance to SPS to ensure SPS 's compliance with Regulation X. Despite having received a complete package from the Borrower, SPS has continued to make burdensome and duplicative requests for documents in an attempt to stall the Borrower 's request for mortgage assistance. For over a year now, the Borrower has continued to cooperate in every way possible and has continued to respond to all of SPS and opposing counsel 's document requests. Since our client has retained our services, we have submitted every document, explanation, and break down that has been requested. More specifically, we have provided the Borrower 's bank statements, your request for an explanation for deposits on the Borrower 's bank statements, and now a breakdown of each deposit by property. Each request has been in response to our production of the previous requested document. The piece meal requests are inappropriate and a violation of SPS 's responsibility to act diligently in their processing and review of the Borrower 's application. 
Furthermore, it is our contention that opposing counsel has hijacked the process from the mortgage servicer and has inappropriately hindered the review of our clients ' application. In addition, on these facts we would contend that SPS has received a complete package and opposing counsel has continued to move forward with the trial in violation of XXXX CFR XXXX. Since our client had in fact submitted a complete application to SPS at least 37 days before a foreclosure sale date was scheduled, they should not have taken any affirmative action that could cause or result in a judgment of foreclosure or a foreclosure sale. Even though opposing counsel is attempting to continue to move forward with trial, SPS is responsible for promptly instructing counsel not to proceed in such a manner once a package is received.

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