BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-26
Company: DISCOVER BANK
State: WA
Product: Credit card
Issue: Balance transfer

Complaint:
I transferred a small balance from an interest charging credit card to Discover card so that I could take advantage of an interest-free offer for a specified period of time which I believe was one year. Apparently that time period has expired inasmuch as they have, without ANY prior notice, charged me interest on the balance effective this month ( XX/XX/XXXX ). I have done this with other cards in the past and I have always received notice that the 0 % interest rate is about to expire. I have double-checked the prior 2 moth 's statements just to be sure I did n't miss something! I can not find anywhere on those XXXX statements where I was in anyway notified that my 0 % interest rate was about to expire.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dovenmule is servicing my home loan. Delinquent escrow account. 
they have failed to pay my impounded taxes by the due date of XXXX XXXX 2016. I received a delinquent tax bill with a late fee. 

what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
To Whom It May Concern : I am concerned about the current amount of my student loan payments. I have XXXX distinct sets of students, XXXX from private providers ( XXXX and Discover ) and XXXX consolidated batch from the US Dept of Education. Here 's the breakdown : Monthly PaymentsCitibank : $ XXXXXXXXDiscover : $ XXXXXXXXUS Dept of Education XXXX : $ XXXXXXXXTotal : {$1300.00} ( monthly ) Total Loan DebtXXXX Sub Consolidation Loan : $ XXXX Unsub Consolidation Loan : $ XXXXXXXXDiscover : $ XXXX : $ XXXXXXXXTOTAL LOAN DEBT : $ XXXXXXXXI earn approximately {$XXXX} per month at my full-time job. This means that I am currently utilizing nearly 30 % of my monthly income on student loan repayment. This is an incredible burden that I will not be able to sustain for long. I work at a XXXX, so I hope to take advantage of the Public Service Loan Forgiveness Program. That said, I need relief in the near term to even be able to afford regular monthly payments. Please advise. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
To Whom It  May  Concern : I am not writing to dispute the accuracy of the way my loan or the payments of the loan have been calculated, rather the appalling results of how the account 100 % benefits the lender and leaving the consumer ( me ) treated extremely unfairly.  Below is  an explanation of why I feel this way.   I finished my school education in   XXXX     and shortly after consolidated my student loans with  Great Lakes Borrower Services.  At that time my balance was {$68000.00} and today ( nearly 12 years later ) my balance is {$76000.00}. You would think I have not made any payments and the result of that is fees Etc. increasing my total loan amount, but that is far from the case.   My first few years out of college I did struggle to find a decent paying job that would allow me to make payments on my account but I did what I could and asked for deferments when I knew I just could not make the payments. I asked for assistance on the loan amount, but none was ever offered nor provided so I would have to defer my payments until I felt I could start paying again. At times I would pay small amounts just to make some sort of payment. Whenever I came into a bit of money I would try and make larger payments to also reduce the loan amount. I finally was able to get on my feet and start working a decent paying steady job and making my payments every single month so here is my main complaint.   I have not paid very close attention to my loan balance since I knew I had to pay on it a while, but recently looked at what I currently owe and I about had a   XXXX   XXXX  . Over the course of my loan I have paid {$31000.00}, but  STILL ow e {$76000.00} on a {$68000.00} loan! Seriously! I did some research on my account and notice that out of the {$31000.00} only {$1700.00} has gone towards my principle! Also, during the time I kept expressing concerns about not working and trying so very hard to pay what I could I was hit with thousands in interest charges! So somehow I have paid bac k ~45 % of my loan, but still owe ~110  % of the loan! How is this even legal?   At this point I am not even sure paying the loan is worth it or even an option since the more I pay the more I owe. I understand the concept of borrowing and paying interest, but the way this whole thing has worked out it seems like this is taking advantage of consumers not only when they are at their worst, but also at their best. At a minimum I would hope that the institution would waive the {$9500.00} of interest charges they hit me with while I was struggling to work and asking for assistance.     I thank you for your time in reviewing my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
While on vacation, I purchased cosmetic cream in from  XXXX   XXXX  in  XXXX   XXXX  Florida. When I returned home to Arizona and opened the package, I discovered that the container was empty and there was no cream. I disputed the charge but my dispute was disallowed because the sales receipt required that an unopened package be returned within 14 days of purchase. The merchant, in writing, solely relied on the return policy and never denied that the container was empty. Nevertheless, the credit card issuer [  Citibank ]  denied my dispute even though I received nothing for my payment of {$260.00}. I contacted the office of th e President of Citibank , N.A . I received a call from a member of the Executive   Response Unit  who continued to deny my dispute, this was followed up by a confirming letter. My next reply to the office of the President was responded to by another call from the same employee. The caller left a message but never responded to my multiple return calls and e-mail. I timely paid this bill in full in order to preserve my excellent credit rating.

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 2017-05-11
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:
There has been a collection on my credit report for 4 years now. It is a  Utility bill th at is in my name yet under an address that I have never resided at nor gave permission to have it put in my name. I have contacted the original credito r on  XXXX /17 they have sin ce then advised me that they have concluded it is not mine and advised  XXXX  and equifax on  XXXX  17 to h ave it removed.  XXXX  removed it immediately however, Equifax refuses to remove it after explaining everything and disputing the situation 3 times since   XXXX   of 2017    .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a victim of identity theft. My identity theft is well documented. Several years ago I banked with XXXX Bank. XXXX Bank had a data breach in which my name, social security number, driver 's license and date of birth were mailed to several XXXX people. I am attaching a copy of a letter from XXXX Bank which outlines the data breach and includes a toll free number for you to call to verify the claim of identity theft directly with the financial institution. My Chex Systems credit score has several factors which dictate the score. XXXX of the factors are the addresses listed as well as the inquires from other financial institutions. The following inquiries were made without my consent or knowledge. I confirmed with several of the companies listed that the inquiries were made online and not by me. The inquires I am disputing are : XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX Bank and XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX TX XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX The XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX Bank XXXX XXXX XXXX/XXXX/XXXX XXXX Bank 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 Bank 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

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 2017-05-11
Company: RFNA, LP
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My problem is the interest rat  is 58.99 (  APR ) annual percentage rate, so it has to be divided over the life of the loan, it seems they just add  XXXX  to the loan amount I received,  XXXX . Even with more than minimum payments and an early buyout, they took close  XXXX  cents. That is almost 100 % APR. My savings even with large payments and buying out  8 payments  into a 15 month loan is loan sharking. It seems like funny math and calling it an annual percentage rate. It is  Republic Finance    XXXX   XXXX   XXXX   XXXX   XXXX   SC  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I pulled my credit report last XX/XX/2021 and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Student loans being reported by XXXX XXXX, XXXX, XXXX XXXX and Department of Education. XXXX XXXX, XXXX, XXXX XXXX, and Department of Education. All the same loans on my credit report, so that XXXX loan appears 4 times as derogatory. This is violation of Fair Credit Reporting Laws. Loans have been forgiven under XXXX provision. 
Although I am attaching only my XXXX Credit report this affects all credit bureaus. 
I went to XXXX University and XXXX XXXX XXXX XXXX XXXX in Illinois.

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 2016-02-27
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am Complaining about SLS my loan servicer, SLS says in a letter sent to CFPB that I will attach for your review that mediation took place on XX/XX/2016, but in fact their attorney refused to, and we ended up in court on XX/XX/XXXX instead of mediation which is what I was promised since the very beginning, also in that latter it indicates that meditation was postponed to a later date which is not true, a settlement agreement will also be attach for your review, their attorney offered me conciliation NOT mediation.

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 2017-05-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Started a car loan application in XXXX XXXX After one month decided not to proceed. In XXXX XXXX my credit was re-pulled twice with XXXX XXXX XXXX XXXX. I wrote XXXX XXXX in XXXX via certified letter to ask if they could please remove both inquiries as they were not authorized. I recieved a letter back from XXXX XXXX that both inquiries would be removed in 30 days. It is now XXXX XXXX and both inquiries remain on my credit report. I attempted to contact XXXX XXXX by phone on XXXX and left a voicemail, but have not heard back. I have tried to reach Equifax on multiple occasions and it is near impossible to speak to a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: PNC Bank N.A.
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
I made a late payment to a signature credit line account in XXXX 2015 XXXX my fault XXXX and XXXX 2015 ( due to an error by a branch employee ). I have held the account for 10 years at an interest rate of approximately 9 %. In XXXX of 2015 the bank increase the APR to the penalty rate of 24.99 %. I called to get an explanation and they told me that my contract gives them the right to increase my payment after XXXX late payment. Per XXXX XXXX XXXX ( a ), " no creditor may increase any annual percentage rate ... except as permitted under subsection XXXX b ) '' parts XXXX of section XXXX b ) do not apply to my circumstances but XXXX XXXX ) allows for such an increase " due solely to the fact that a minimum payment by the obligor has not been received by the creditor within 60 days after the due date for such payment, provided that the creditor shall '' provide notice not later than 45 days prior to the increase stating the reason for the increase. I spoke to the bank but they asserted that their contract with me permits them to apply such an increase upon the happening of XXXX ate payment. I asked for a copy of my contract which they only agreed to send by paper mail. The bank only offered to " escalate '' the matter for me and stated that they could not put me in contact with a person who could provide answers on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Hello, my name is   XXXX   XXXX   XXXX   and I 'm contacting you on behalf of my grandmother  XXXX   XXXX   XXXX . My grandmother is  XXXX  and she is getting ready to retire from a  XXXX  so she has me trying to get her finances square to do so in relative peace. So I inquired about her credit cards that she has had sin ce  XX/XX/XXXX  a  nd  XX/XX/XXXX  and t hey have accumulated a few thousand dollars in interest debt even though she barely used them if at all, even not having a physical card. She was making her payments that were printed on the bills but she did n't realize that the cards were charging interest on the interest and compounding ove r two decades. Sh e is n't asking for a hand out but it is n't right for thousands of dollars to accrue from just interest on the interest before just to keep an account. Another amazing thing I found out when I contacted them is that when she opened the account  ( s  ), that they assume d one thousand dollars in  debt and charged 29.99 % interest on it even though she had n't used the card. They have lowered it down to 16.99 % percent but the damage to the account has already been done. Even with the debt she has a good  credit score a nd plenty more of actual available credit but she just wants to retire with a clean slate and as lifetime   XXXX   XXXX   XXXX   XXXX  . Also wants some semblance of justice or reconciliation on this matter. To her its a moral matter more than a financial one.     Thank you for your time,  XXXX  and  XXXX   XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: WA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2015-08-31
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX 2013 when Specialized Loan Services was assigned as Service Provider for my loan, they have refused to send me monthly statements, respond to my written requests ( and via multiple phone calls ) for explanation of misc charges applied to my account. They will not tell me where the overage of {$520.00} in payments I made went to ( was not applied to principal or put in escrow ) and they continue to raise my mortage payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I desperately need your help. I do n't know what to do at this point or who to contact anymore. I have filed a claim with the Department of Education Ombudsman Group and nothing has been done yet. Here 's my situation in   XXXX     I went to   XXXX   XXXX   XXXX   XXXX   and I was told and it was documented and signed that my total tuition was going to be {$10000.00} and I was approved for a federal grant of {$3700.00} and I was to pay  XXXX  to the school so the remaining balance was going to go towards a student loan. That paper was signed and documented. And that is why I enrolled in the school thinking I was going to get help by financial aid based on what the school told me. Well it turns out that what the school told me was all a lie the  XXXX  was applied to the student loan and now I am in debt and being harassed. I did my own research and it looks to be in  XXXX  the Department of Education raided this school  XXXX   XXXX   XXXX   XXXX  due to some kind of scam or Fraud took pl ace in this school and I have a feeling I am probably in  one  of those cases. I need help finding someone who can help me. If I knew I was n't going to be approved for financial aid I would not have enrolled in this school. In my credit report it is greatly affected because it looks like am in complete debt. I would like to either have this student loan be  discharged  or at least have a balance that indeed it is the correct balance. I see how you help so many people and I would love it if you help me by providing me a number of someone who can help me or point me to another direction. I also believe that  XXXX   XXXX   may b e involved in this because there Consolidation Loans make no sense. I feel like every time I pay it never goes down. I feel like all am paying is interest and that itself stays the same. I have  XXXX   Loan fo r {$5100.00} and I have a  XXXX  loan for {$3400.00} totaling  XXXX  I contacted them myself and they advised me that the loan was done in the school and now I a m just worried. I need help because at this point I do n't kn! ow what else to do on getting this resolved. I am trying to contact attorneys to help me, but I have n't found anything. The only thing I have found is someone helping me in the Department of Education Ombudsma n Group. I h ave attached all paper work that was provided to me. Please advise if you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I deposited a XXXX check on XX/XX/2021! XXXX was made available. Before the remaining could be cleared my accoubt was places on hold then closed. I received an account summary details of what was left in the account XXXX. The check was not for me to deposit but my landlord. However ; its been 6 months with no details of when and where the funds are. The XXXX XXXX the sender of the check is requesting the funds back or a detailed document stating Keybank is still investigating and will return funds to sender. Keybank will mot cooperate with me to get this matter resolved. It is affecting my livelyhood and life.

Company response to consumer: Closed with explanation