BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My XXXX loan was sold without my consent to American Education Services. After paying the loan off in full the following month, AES proceeded to withdraw from my account. When emailing about this they assured me I 'd receive a refund by XXXX XXXX. When I did n't receive the funds I emailed again. After XXXX emails, I called and was told it refund was probably issued on the XX/XX/XXXX and it should be in my account any day now. I 've called a number of times now. On XXXX XXXX I had called once again ( a month after I was told my refund would be in my account ) and after 45 minutes of going transfers and no answers, they told me the refund was paid and that I needed to send them all of my bank statements to prove I did n't get that. I proceeded to ask for some sort of confirmation of that and they said they did n't do that. I was not willing to send my private financial information to a 3rd party who had been so difficult to deal with up until this point and asked to speak with a manager. The manager came on the line and within 5 minutes she was able to see that nothing was refunded and told me I should have my refund in 3-5 days. I had to call again yesterday as I still have not received my refund. They told me by Friday this time. Friday will be XXXX XXXX, I did my part and paid off my loans in XX/XX/XXXX. This " company '' seems like a giant scam and I do n't understand how its legal for them to keep my money but they charge me interest every second my loan was still active. Another side note about this company is that they wo n't give you the full name of who you are speaking to, only a first name and an employee ID number and when I referenced the manager 's ID number no one knew who I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: ALLY FINANCIAL INC.
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I had a HELOC managed by Ally Bank on my former home. I sold that house on XX/XX/2021. My title company got payoff information from Ally and the account was paid in full on the day of closing. Of course, I cancelled my homeowner 's insurance on that date as well, since I no longer owned the property. Ally Bank immediately force-placed insurance on the property. I have spent about nine hours on the phone with their customer service department and corresponded by mail explaining that I no longer own the house. They concede that the mortgage account is paid in full but they are insisting that the HELOC is still open. They claim that I owe them the premiums for two years worth of homeowners ' insurance on a paid-off house that I no longer own. I have contacted the XXXX XXXX XXXX XXXX ( the insurer from whom Ally Bank says they have obtained a policy ) and they have not received any premium payments from Ally Bank. Ally Bank is sending dunning letters threatening to foreclose on the property ( good luck with that! )

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 2022-05-20
Company: Experian Information Solutions Inc.
State: MI
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 and XXXXt account has violated my rights. 

1 : Bankruptcy : XXXX 2 : Bankruptcy : XXXX 3 : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX 5 : XXXX XXXX XXXXXXXX : XXXX 6 : XXXX XXXX  XXXX XXXX XXXX 7 : XXXX XXXXce XXXX : XXXX 8 XXXX XXXX XXXX XXXX  : XXXX 9 : XXXX XXXX XXXX  : XXXX 10 : XXXX XXXX XXXX : XXXX 11 : US DEPT OF EDXXXX  : XXXX 12 : DPT EDXXXX  : XXXX 15 U.S.C. 1681 section 602A.States I have the right to privacy 15 U.S.C. 1681 section 604A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written Instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I currently have a defaulted PRIVATE student loan that originated with XXXX XXXX XXXX. The loan was generated around 2003. After completing XXXX semester of school, I decided to join the military in support of XX/XX/XXXX. I am now medically retired and am XXXX. I am in the process of trying to purchase a home. After meeting with the mortgage company, it was brought to my attention that this debt is preventing me from an approval for a VA loan to purchase a home. The defaulted loan is reporting to only ONE credit reorting agency. I was also informed that the loan has since been sold to XXXX ( whom this complaint is being filed against ) but is being serviced by Allied Interstate. I contacted Allied Interstate to set up a payment plan and was told that they could not accept the terms I brought forward to them and would be unwiling to work with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been trying to close my SunTrust Bank account as they keep allowing false charges to be made to my account. When I asked for my account to be closed it had a positive balance. It took them several days to acknowledge my request to close the account and then mysteriously several out of state charges started to show up on my account. Now my account is in the negative because yet again they have allowed false charges or are trying to sabotage my account closing by adding a ridiculous number of charges and overdraft fees. If they had closed my account when I asked then they would be mailing me the positive amount left in my account now they are claiming my account is negative by $ XXXX. I believe there is something fishy going on with their accounting. I have had nothing but trouble with them allowing false charges and me continuously paying them and now all of a sudden more fishy charges are added to my account upon my request to close the account. I believe they are practicing unfair business and treatment of their customers. When I brought this to their attention, they asked if I would like to make a fraud complaint in which I said yes however was told they could not complete on their end I 'd have to call in. I called in several times over the course of several days and each time I was placed on hold for more than 30 mins and never allowed to talk to an actual person.

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 2016-07-03
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
This complaint arose because I was denied PSLF credit for my XXXX XXXX military service. 
I applied for PSLF on my federal student loans, which were incurred in XX/XX/XXXX. The PSLF program took effect in XX/XX/XXXX. I served on XXXX XXXX in the military from XXXX XXXX to XXXX XXXX and received no PSLF credit for the time service. I provided my XXXX, am a XXXX veteran. I want my military service, which included XXXX, to be credited for purposes of PSLF. Instead it appears the federal student loan company is relying on technicalities to deny me PSLF credit for my military service. This is unconscionable. Please make it right. PSLF exists to encourage and give credit for public service. The program should not rely on nonsensical technicalities to deny earned benefits to those who have sacrificed themselves in service to the public and the nation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This Phone Number XXXX is Midland Credit. they have called me XXXX a day for months and even on XXXX and XXXX, looking for someone who is not me. I have asked them numerous times to stop that i was not the person they are looking for and they still call me even after agreeing to remove my number. please make them stop! Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-20
Company: DriveTime
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX I have not run a report to buy a car. DT is just one of many I did not make. 

Other dispute statement personal information My alerts are with old number it doesn't allow me to edit and change my number. 

I.habe had my identity stolen so I need to lock my credit report almost always. 
Please delete DT credit inquiry and others trying to buy a car. In XXXX and XXXX Thank you XXXX XXXX Old number XXXX. To be deleted

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 2022-05-20
Company: Nelnet, Inc.
State: OH
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:
The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00}, and it was closed XX/XX/2017. However, they're stating that they now transferred this to a government agency. All of this information is incorrect and I do not owe a balance and they're continuing to report negative information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I had a account with well Fargo and my funds would not be in my account after deposit funds would disappear several times many times

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I checked my credit reports with all XXXX major credit bureaus ( XXXX, XXXX and XXXX ). I noticed a collection account with Midland Credit Management XXXX. I sent all XXXX credit bureaus disputes back in XXXX 2015 disputing the validity of this account. Midland Credit Managment responds validating this account and sending a last statement showing a charge off from the original creditor. I disputed this account a 2nd time with Midland Credit Management letting them know that the information that they furnished is not sufficient and that I would need them to validate this account pursuant to the Texas Finance Code 392 or delete the tradeline from all XXXX credit bureaus. I never received a response back and they are still reporting inaccurate information in clear violation. Midland Credit Reporting has recently been investigated by the CFPB for its deceptive collection practices and violations of federal and state laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX ACCOUNT NUMBER : XXXX Its been over 5 months and equifax and XXXX hasnt update my current balance and Im missing on time payments for this account for the last 5 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I got a {$370.00} for a card that I do not or have had with either Truist, Suntrust, nor BB & T. 
They say that I can not dispute the charge. I never authorized this payment and it is not the first time it happens. After I resolve this issue I will go to another bank.

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 2016-01-03
Company: JPMORGAN CHASE & CO.
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Complaint # XXXX JP Morgan Chase Holds Homeowner and Her Home Hostage Homeowner urges Consumer Financial Protection Bureau to contact Corporate Office at : JP Morgan Chase Corporate Offices, XXXX XXXX XXXX, XXXX XXXX NY XXXX Be it known, homeowner, XXXX XXXX XXXX XXXX, has NOT received any cooperation from JP Morgan Chase since her first complaint to Consumer Financial Protection Bureau. JP Morgan Chase continues to hold homeowner and her home hostage by fraudulently manipulating their accounts, figures, dates, data and documentation. 
Please see attachment : " Complaint # XXXX JP Morgan Chase Holds Homeowner and Her Home Hostage '' as this description is rather lengthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: U.S. BANCORP
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was called out of state for a family emergency and left on XXXX/XXXX/15. I left my landlord a 30 day notice in order to move to a new rental house and half of XXXX 2015 rent ( with instructions to deposit on XXXX/XXXX/15, IF I had not been able to return and submit in person. ) I left on my trip and unfortunately my landlord deposited the check left for him on XXXX. This resulted in over {$500.00} overdraft charges for less than {$200.00} spent on incidentals on my trip. My autodeposit of {$470.00} ( received XXXX ) was all applied toward fees. My friend deposited {$160.00} into my savings account ( upon my discovering the negative balance by surprise on XXXX ) for me to live on until months ' end. That too (! ) was immediately applied to late/overage charges even though I did not KNOWINGLY have Overdraft Protection from Savings established with my checking account. Had I known that was a likelihood, I would have requested my friend send $ via XXXX XXXX or a XXXX XXXX XXXX Option. I contacted my local branch and even with an end-of-the-monthgood faith deposit pending of {$1700.00} set up for auto-deposit, none of the ( excessive! ) fees were waived. I was left XXXX until months ' end and now my work paychecks will be " docked '' ANOTHER - {$400.00} to cover MORE overdraft charges that have mounted. The move to a new residence is having to be delayed and overdraft charges are now amounting to - {$800.00} plus. The US Bank in XXXX, KY was unwilling to forgive any of the " account bleeding '' even though the situation was explained and the date on the check deposited was starred and circled to try to prevent anything like this from happening. The stress and angst from the whole situation has been awful.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-12
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX  XXXX, XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have attorney representation against NCT therefore I do not want any contact from this company until the legal issues have been solved. AES has been told this numerous times and I have advised the company per my attorney I ca n't discuss any NCT loans with them except loan # XXXX because it is co-signed and my mom does not have legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A couple years ago XXXX XXXX bills showed up on my credit report. These are Not my bills. I spoke with American Adjustment Bureau and explained these bills were not mine. They were removed from my credit report. it has been a few years and now they have reappeared. I 've contacted American Adjustment Bureau and they tell me they do not have these bills on file. How can they put it on my credit reports if they do not have bills on file. I have not used XXXX XXXX for severces in many years. I would like to file a complaint against American Adjustment Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I redeemed XXXX miles worth {$1800.00} as travel credit on XX/XX/2022 on my Capital One XXXX XXXX credit card. The miles were removed from my account but travel credit never posted. The transaction confirmation said the credit will post to my account in 2 to 3 business days. It has been 15 days and the credit has not posted to my account. I have called more than 5 times and each time I am asked to wait a few more days. In the latest call they asked me to wait 2 billing cycles. Clearly, Capital One is defrauding me, and possibly others in the same situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-20
Company: FISERV INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I GOT A LETTER FROM TRS RECOVERY SERVICE DATED XXXX XXXX TO COLLECT A DEBT OF {$1200.00}. SOME ONE WROTE A FALSE CHECK TO XXXX XXXX ON XX/XX/XXXX IN XXXX TX XXXX. THEN I GOT LETTER FROM IRS EMPLOYMENT RELATED IDENTITY THEFT NOTICE. NOTICE DATE : XXXX XXXX CALLED THE DEBT COLLECTION COMPANY TO TELL THEM ABOUT MY INDENITY THEFT. I RECEIVED ANOTHER LETTER FROM TRS RECOVERY SERVICES DATED XXXX XXXX IN THE LETTER THEY NEED SOME DOCUMENTS, I ALREADY SUBMITTED TO THEM INCLUDINDG POLICE REPORT, FTC IDENTITY THEFT REPORT AFFIDAVIT. IN YEAR XXXX I GOT ANOTHER LETTER DATED XX/XX/XXXX FROM XXXX XXXX XXXX XXXX XXXX  XXXX XXXX LETTER TO COLLECT THE SAME DEBT AMT {$1200.00}. I CALLED THEM ON XXXX NO LADY WHO ANSWERED THE PHONE.I GAVE MY A/C NO, SHE SAID I DO NOT HAVE ANY INFORMATION ABOUT THE CASE. NOW I RECEIVED ANOTHER LETTER FROM XXXX XXXX XXXX. DATED XXXX XXXX. TO COLLECT THE DEBT. THEY ARE CALLING ME EVERY DAY ON MY CELLPHONE. THIS IS NOT MY DEBT.

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 2022-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX  ACCOUNT NUMBER : XXXX Its been over 5 months and XXXX and Transunion hasnt update my current balance and Im missing on time payments for this account for the last 5 months.

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