BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-06
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
In XXXX we submitted an application to switch my wife 's student loan repayment plan from XXXX to REPAYE. The application has still not been completed and we are being asked to pay an amount that makes no sense. I understand one month requires a {$5.00} forbearance amount, which we did for XXXX 2016, but now they want another {$5.00} payment for XX/XX/XXXX which will not count toward our 120 payments for Public Service loan forgiveness program. We get excuses like " it is being processed '' & " we have put in for it to be expedited '' but it should not take this long to get done. 
In XX/XX/XXXX I filled out the required annual income verification to remain on a reduced payment due to income and a request to switch from XXXX to REPAYE, and they rejected my application and have placed me in the the Standard 10 year Payment plan which tripled my month payment due. They claimed I did n't sign my application, but it 's an electronic application that you ca n't submit without a " digital signature '', when I called FedLoan they blame the system and say they ca n't access the application to " see it '' to verify the application was submitted correctly. This is ridiculous. They blame the system, and blame " processing ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-17
Company: AES/PHEAA
State: GA
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:
Loan was deferred. I was told by a customer service rep that the deferment would be retroactive for the XXXX payments while completing the process. My credit report now shows XXXX late payments for XXXX loans during that period. I have disputed several times and sent emails but they will not communicate on what happened or how we can get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-22
Company: EQUIFAX, INC.
State: GA
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 XXXX account # XXXX, has violated my rights. 

5 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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: Navient Solutions, LLC.
State: VT
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 consolidated all of my student loans to XXXX XX/XX/2015. Several months later, I noticed while checking my credit report that I had a 60 day late payment on a student loan through XXXX / Navient. I contacted XXXX to notify them that I had never received any communication stating that I owed a payment and that my loan had been consolidated with another lender. They acknowledged the consolidation but refused to remove the late payment from my XXXX credit bureau reports. The credit reports clearly show that there is no data from the month of the late payment, XX/XX/2015, forward. I am requesting that this late payment be removed form all XXXX credit reporting agencies as I had no knowledge of owing any remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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 2015-06-10
Company: AES/PHEAA
State: OK
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:
My name is XXXX XXXX and I went to the university XXXX XXXXIn XXXX oklahoma. I have graduated and now my father ca n't be release from my loan due to forebearance. I have made all of my payments on time and believe it is unfair to keep my father on my loan and debt. Please address this issue so he can be removed from my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: AES/PHEAA
State: MD
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:
On several credit reports it is noted that I was 60 days late on my Federal Student Loan payments in XXXX of 2014 - however, during this time I was a member of XXXX and on a loan deferment program. I 'd like to have the late payments on my Federal Student Loans erased.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Credit Karma, LLC
State: IN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
They saying that they ca n't find me like my SSN its right idk what to do help me fix it I need my credit score

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 2017-01-27
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a refund check from my daughters school via my online mobile banking App. The check was made available a few days later and I paid a few bills and did XXXX transfers to my kids checking account. Later that same morning there was an extended hold placed on the check which caused an overdraft of over {$600.00}. I called the bank to find out why the hold was placed and they said they were having a problem verifying funds with the issuing bank. I called the issuing bank and was able to get through to them to verify funds and explained to them what the issue was and they told me all my bank had to do was call the same number I did. I waited a few days and then contacted the school which put me in touch with the finance office of the company where the check was drawn. They informed me that the check has cleared and has already been paid to my Bank. I called the bank back and they are unwilling to release the funds and said that they are still trying to verify funds. I have deposited XXXX of these same refund checks drawn on the same bank since XX/XX/XXXX and have never had a problem. I feel that this is just another way for Citizens bank to get fees from me, the check has already been paid and I would like my funds released immediately. I have not been able to buy gas, food or pay any bills and I am extremely angry. They have placed a hold on my account until XX/XX/XXXX which I think is outrageous. If this mater is n't resolved I plan on going to the media and filing a law suit against the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: ERC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX. I never received any notification regarding a medical bill that I do n't remember not paying. I would like to get a copy of this bill showing my name and date of appointment. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XX/XX/2016 and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18
Company: Express Collections, Inc.
State: SD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Continuously call my place of employment despite the fact I have told them not to do so. Scheduled court when I was in the hospital getting XXXX. The debt has been paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to financial difficulties XX/XX/XXXX and XX/XX/XXXX, we applied for a modification to our mortgage loan with SunTrust. We went through the rigorous paperwork several times as the modification was denied several times unless " we sent more information ''. Through it all, I was assured more than once that the property would not go to foreclosure as we were in constant contact. Finally, we gave up and sold our home. SunTrust was paid immediately all back payments, fees and interest. SunTrust was notified almost daily of the progress on the house sale. THE PROPERTY DID NOT GO INTO FORECLOSURE! There is a comment on my credit report that says " Paid Foreclosure '' which is completely UNTRUE. Total misrepresentation and defamation of character - and it will show for 7 years?? This is completely unacceptable! Why would a large mortgage company ( owned by XXXX XXXX XXXX by the way XXXX take the time to publish this blatant lie particularly after we did our very best to save our home. And then did the right thing and sold it so they could get all their monies! They got all their money - why cause us more misery after the year of agony trying to keep our home. I have made it a point to repeat this story to friends and associates so as to protect them from SunTrust!! And I will continue to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-12
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I 've been paying on this student loan ( private ) that had gone into collections for almost two years. While working with a credit repair agancey they told me that the $ XXXX that I owed and had been paying on was not being reported to my credit report and would remain in collections until I paid in full or settled. Also their interest rate was 4 % on the loan amount per day! so only half of my monthly payment was going toward the loan. I find that it 's totally illegal to hold someone hostage like this with such a huge amount ESPECIALLY when they are paying on time and have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: AES/PHEAA
State: PA
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 have been paying on loan since XX/XX/XXXX and principal has not decreased by much, numbers do n't add up. Private XXXX loan acquired by AES XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
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 signed as co-signer for an initial application for credit for a private student loan on behalf of my father. After the initial credit application, I never saw disclosure of the terms of the loan, nor signed another document again. I was told by a XXXX representative that there was a check made out to me AND my father, but I never signed that either. When notifying XXXX student loan services, they told me I can submit a fraud package, but never gave me the package or proof that I signed for any loans. So the fraud is on XXXX student loans part. XXXX currently is n't reporting this loan on my credit report, it is a company called AES ( American Education Services ). This company charged off the student loans, yet every time I dispute the charge saying I do n't own it, all three credit bureaus come back and say I do own it ( XXXX, XXXX, XXXX ). I am not sure how the credit bureaus verify this when AES is unable to provide any information on these loans. So not only can I file a fraud charge on this account, but both AES and XXXX refuse to mail me any evidence that these loans belong to me. XXXX only sent a loan request I signed on XX/XX/XXXX while showing a document of Disclosure Statement sent on XX/XX/2008 with no signatures. And they do not have the cancelled check showing my signature ( or lack thereof ). I am only trying to remove myself as a co-signer because I never agreed to their terms nor signed the check IN ACCORDANCE WITH CODE OF FEDERAL REGULATIONS, TITLE 34 EDUCATION, SECTION 685.215 - Discharge for false certification of student eligibility or unauthorized payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TENET HEALTHCARE CORPORATION
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After viewing a copy of my credit report, l noticed three collection accounts placed on my credit report from you inXX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. I am requesting that you allow me to validate the alleged debt ( seeing that you never sent me any written notifications ). I am unaware of any outstanding medical bills that l possess, and I am seeking the name and hospital/medical provider to which l owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please accept this letter as my formal debt validation request, which l am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I 'm no longer an account holder of SunTrust. I used to be until I realized how unethical of a company that is. Let me explain to you why I believe this : For years, SunTrust advertised and promoted in big letters their XXXX XXXX debit card. With that card, an account holder could earn XXXX mile for every {$1.00} spent ( for debit and credit card transactions ). SunTrust even advertised that they would not put a cap on a cardholder 's ability to earn miles. 

Over the past XXXX months, SunTrust must have reviewed their debit card portfolio and what they did as a result of their review is shocking : They closed all account holders who had earned above average number of miles regardless of the types of products they purchased, regardless of the length of their relationship with SunTrust, and regardless of the amount of money in their checking accounts. I know of at least XXXX cases where SunTrust contacted XXXX XXXX to have the miles in the cardholder 's account reversed!!! 

SunTrust is clearly engaging in what is commonly referred to as " bait and switch '', a marketing strategy of getting customers to sign up for a product ( that, by the way, carries a yearly fee of {$75.00} ) and then, once a certain number of miles are earned, the account is closed. This is unacceptable and a regulatory violation. 

If SunTrust does not immediately stop closing accounts and reversing miles already earned, I 'll notify a well-known XXXX XXXX lawfirm to pursue a class action lawsuit against SunTrust and its XXXX and XXXX individually.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: STERLING JEWELERS, INC.
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have found an account for Kay Jewelers on my credit report from 2008 that was charged off. I do n't recall ever charging anything to this account. When I call to get information on this debt the representative on the phone informed me that the account was transferred to XXXX and they had no other information. The amount of the charge off is {$120.00} which I always paid my bills but in store with cash. I would never carry a balance on this card as their interest rate is 25 % APR which is usury in the State of Florida as the Florida Stature caps interest at 18 %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Credit Karma, LLC
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I 'm not able to obtain a credit report ; I keep getting a message that says my information does n't match.

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 2016-09-12
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received my refund, a check for XXXX dollars from my school ( XXXX ) that I placed into my bank account with Suntrust on Thursday. It was available on Friday and i took out {$2100.00} to pay up my rent, immediately after that it was {$4000.00} hold on my account and no one has been able to tell me why. I have a very severe need for my money now. I have bills that have went past due, due to the holds on my account, I had to cancel a business trip for this weekend and I am unable to pay for my child day care. Suntrust is telling me there is nothing they can do and i have to wait until XXXX/XXXX/16 because my account is under '' review '' and they will not tell me why its in review. That would be one full week without having any money and no one being able to tell me why.

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 monetary relief
Consumer complaint received 2016-09-09
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Collection agency continues to try to collect on a debt that does not belong to me and was never my bill. The original creditor has attempted to assist me with getting item removed from credit report but collection agency refuses to assist either of us in getting matter resolved. Original debt was established by someone visiting emergency room and using my personal information to get service. No identification was provided or signature from the individual. I have disputed debt with all bureaus and they continue to resell the debt and will not remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We got a new mortgage payment from Suntrust Mortgage. They are increasing our monthly payment from {$1400.00} to {$1800.00}. We have revised the information ( see attachment ) and all numbers are the same for the new monthly payment except the property taxes. We went to XXXX county and they increased our taxes by {$98.00} per monthy but Suntrust Mortgage is increasign our montlhy payment by {$390.00}. We do n't have budget to pay this new mortgage payment.

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