BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-21
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: SUNTRUST BANKS, INC.
State: NH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
XXXX, a division of Suntrust Bank, offered low interest rate for used private auto loan. I applied online, specifically choosing auto loan. They contacted me with a few follow-up questions, and soon after denied my loan, referring me to some other company. When I inquired why I was never asked what vehicle I was buying, they told me it was an unsecured loan application. I 'm not disappointed that I was denied. I 'm angry because they misled me and dinged my credit report. I was not looking for an unsecured loan.

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 2016-10-12
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have tried to open an account with Suntrust in conjunction with my XXXX XXXX Member Account. I opened the account online around XX/XX/XXXX. Suntrust Policy states that an account had to be inactive for 90 days to be closed for inactivity, says the Suntrust representative. Although, somehow my account was closed on XXXX fifth. I just received my Debit Card today, on XX/XX/XXXX. When I called to activate my card, I was transferred to the Representative that explained the earlier statement, and was told that my account had been closed due to inactivity. When I started questioning that decision and requested to speak to a manager, he became irate and ended the call. This is n't the first time I 've dealt with the exact same situation with Suntrust before. It has happened multiple times. This has to stop.

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 2016-06-17
Company: Torres Credit Services, Inc.
State: NH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted the credit reporting agency Torres Credit Service out of XXXX, PA that the only derogatory mark on my credit comes from. It 's a charge of {$140.00} from many years ago and I wanted to pay it off. When I called the company and gave my information they have no records of an account or my owing anything to them. I was going to pay it off to help my credit score but now there 's no way to pay it off if they do n't have any records so I would like to get it removed from my report.

Company response to consumer: Closed
Consumer complaint received 2016-02-10
Company: Adler Wallach & Associates, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original amount of the bill, per AWA collections agency, is {$160.00}. The total balance due is {$220.00}. They are charging {$55.00} as " interest and fees '' but when I spoke to a representative on the phone, I was told that I was incorrect, and the " interest and fees '' should say " collection fee '' but the amount charged by the medical office ( the original debt ) was only {$30.00}, and that my payments made had gone towards the " collection and fees. '' When I explained that the interest was 40 % of the bill, she argued and said that " there is no interest being charged. '' She also stated that they were not allowed to send bills and receipts. She was adamant about not charging interest, although the bill received ( which is the first bill that I ever received, as my ex-husband was hiding mail ) clearly states " interest and fees. '' I told her that I would only pay the original amount, and I would not be paying interest. She told me that I had to pay the " collection fee '' or else the bill would not be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
{$410.00} is the amount that the collection agency with the business name of ERC is currently trying to collect from me. I do not agree with that amount, for XXXX wrongfully biilled my family for early termination of mobile phone contract fee of {$200.00}, which we refused to pay, and now the amount is {$400.00}. When i called ERC they failed to disclose where the other {$210.00} in debt originated from. I think it is necessary to get the documentation showing that they are the appointed collection agency that is collecting on behalf of XXXX, and to disclose documentiation to me that shows what attributes to the {$410.00} in debt, for what I understand is that only {$200.00} should have been billed for the early termination fee of contract, and not {$410.00}. 

Can you contact the collection agency and explain to them that they need to show. 
1. proof of having the right to practice as a collection agency in california , i would like to see this 2. proof of the debt that they now are collecting from XXXX, a document stating the amount that I owe and what i am being billed for Without these documents I refuse to pay any money to ERC. 
Please let them know if they do not show proof, they need to delete the debt from my credit report. 

Thank you. 

COLLECTION AGENCY NAME AND ADDRESS ERC XXXX FL | XXXX XXXX

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 2016-06-07
Company: AES/PHEAA
State: WI
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:
Hello, I still have issues with complaint number XXXX. Now I received a statement from FedLoan Servicing stating the forbearance period is expiring and my next payment is over {$400.00} due XX/XX/XXXX! The whole point of this complaint was because I needed lower payments per month, not to be put in forbearance and they receive such a big bill I can not afford. Instead, they put me in forbearance and now I get hit with such a huge payment at once?? I still have no resolution on getting a lower payment per month and can not afford a payment of over {$400.00}. 




Please help?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My iPhone loans with Citizens One loans were setup to be paid automatically by debit card. 

The debit card had to be replaced by the bank as it was compromised by fraudulent activity. 

Subsequently Citizens One emailed me to let me know they had not been able to take payment. When I tried to log in to the website ( per the instructions in the email ) to change my details, I was greeted by a blank screen, despite having logged in with the correct credentials. 

When I called them about it, they claimed it was a browser problem ( it was n't - I tried with XXXX different browsers on XXXX different devices ) and told me I could only switch to paying by credit card for the current due payment. They told me they would escalate the website issue and I would be contacted with a resolution in 7 - 10 business days. I never received any further communication about the website issue. 

Instead I waited a few days and was able to log on and switch the autopay to my checking account, so I would n't face this issue again with a debit card being taken out of use. 

When the next payment came due, I again received an email saying my debit card payment had failed, even though I had switched the autopay to my checking account. Again I tried to log onto the website and again was greeted by a blank page. 

I called again, and was again told it was a browser issue on my end, and that I could pay the current payment via credit card. 

I 'm in an endless loop of being denied reasonable means to update my information without them reverting to old information, and some kind of scam whereby they 're forcing me to pay by credit card, presumably so they can charge me some kind of additional fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XXXX is telling XXXX the account was closed on XX/XX/XXXX but telling Transunion it was closed on XX/XX/XXXX. XXXX is reporting to XXXX that I made payment in XXXX, XXXX, and XXXX of 2020 and then says I was 60 days late in XXXX. 

How did XXXX close my account on 2 separate days? 
How can I make payment 3 straight months and then the following month be 60 days late?

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 2016-07-11
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:
Months ago, I resubmitted my information for income-based repayment. Months passed and I never received notification. Eventually, my repayment ballooned to an untenable amount. I called MyFedLoan, where I was told to " ignore '' the website and that my loan was in forbearance while the paperwork was processed, which I was told would be in 2-3 business days. I paid the {$5.00} they told me to pay online, and 2-3 business days later, there was no information about my new income-based repayment plan. I asked the representative over the phone if I could have written confirmation of what she said, and I was laughed at like I was crazy. I was re-assured verbally that the situation would be resolved. The next month, I got an email saying my account was past due, again with the inflated amount. Again, I called MyFedLoan, and was told once again to ignore what was there and that my paperwork would be processed in several business days. I told the representative that I was told that the previous month, and the representative simply repeated that it would be done in several business days. I expressed concern that the " past due '' amount would be automatically deducted from my checking account, and was assured explicitly that would not happen. Again, I requested this in writing and was rebuffed. 
Unfortunately, I was misled by MyFedLoan reps multiple times, and it turns out my concerns were well-founded. MyFedLoan automatically deducted {$1000.00} from my account on XXXX XXXX, despite being reassured explicitly on the phone multiple times by multiple representatives that such a thing would not occur. 
I called this morning, XXXX XXXX, to resolve the situation. I was told the transaction should not have occurred, and they processed a refund request. I was told that the refund would likely take 60-90 days. This is completely unacceptable. Not only was I lied to ( whether intentional or not ) at multiple points by MyFedLoan staff, the deduction caused an overdraft of my account. $ XXXX may not be a lot for many people, but for me, it is. I have bills to pay and I live in a high cost of living area. Not having access to my money for over two months puts me in a situation where it will be very difficult for me to put a roof over my head or food on the table. 

I want to know why this occurred, and what sort of recompense I am entitled to. I find the whole situation completely unacceptable, and for many people, a transaction like this could send them into a tailspin of financial destitution - overdraft fees, late penalties, late rent, unpaid bills, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: AES/PHEAA
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:
The aes loan I am paying back has worked out a payment plan for me. Now they told me they can no longer help me out with a payment plan and I have to pay the full amount. How am I supposed to pay the full amount if I do n't have the money? I would would be able to pay half the full amount. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have disputed a collection from XXXX and XXXX and a collection from XXXX that appear on my credit reports numerous times for Identity Theft. I have a notation on my credit reports that this occurred. I found out from a previous employer that someone had been using my full identity for many months and had gone as far as filing an unemployment claim with the state of Illinois against my employer. The State of Illinois investigated and found that this was indeed Identity Theft. At that time, they advised that they had handled the issue, notated my records and I did not need to file a report with the local police. Since then, I have found out through my credit reports that that there were multiple loans and credit cards taken out around this same time using my stolen drivers license, social security card, and employer information and most of them were investigated and found to be due to Identity Theft and removed. However, these two continue to remain. Attached is a copy of the fraudulent unemployment claim that spanned from XXXX through XXXX. Please help.

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 2015-11-06
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My personal home was damaged recently. The loss is covered by insurance. The insurance company has begun to provide funds for the necessary repairs - approximately {$160000.00}. The payments are to be sent to me as joint checks between me and our mortgage company. When I received the first payment from the insurance company, I endorsed the check and sent it to our mortgage company, Sun Trust Mortgage XXXX Inc. ( " STM '' ). They responded with an XXXX XXXX, 2015 letter with the step by step recipe for how to receive funds to pay the contractor for the necessary repairs. That letter has XXXX problems as part of the requirements. First they are requiring that the contractor sign a lien release form that is illegal in Texas as Texas has statutory lien release forms to must be used. Second they are requiring a copy of the contractor 's license. Texas does not have construction licensing. I have written several letters and made numerous calls to STM. They refuse to correct their requirements and to revise the letter. I am being delayed in having the necessary repairs made to my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-28
Company: ERC
State: IL
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:
Enhanced Recovery has reported that I owe XXXX and I called them and they put it on hold now they are reporting that I owe XXXX {$650.00} I called XXXX they have no records of me so I called Enhanced Recovery and they said they had no records of XXXX and hung up on me. So now what do I do

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 2015-12-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX, 2015 I went to Citizens Bank on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX for usual routine of withdrawal of Child Support money on my XXXX State Debit Card, which I 've been doing for years due to XXXX state contract with Citizens Bank. Upon speaking with the teller, I was told to wait because she was unsure of the current procedure. Teller informed her Supervisor, XXXX XXXX who informed me that I would be unable to withdraw full amount of {$1100.00} and limited to {$500.00}. I informed Supervisor that is not accurate and I 've been doing this for the past 10 years since I have moved to CT. The Supervisor requested a picture I.D, which was provided, but due to address change sticker on the back of my license, which is required by State Law and was done by DMV, she questioned my identity. Mailing address was verified by providing her with XXXX letters with my name and new address that matches my I.D . All of this happened in the middle of the bank, while other people and tellers witnessed embarrassment that Supervisor put me through. Proving my identity was not enough for her and she went to her office to make a phone call to report and verify if she can proceed. When she came back, I was informed that she would be able to " give me all of my money that was requested earlier ''. At that point I felt extremely humiliated and decided that I was no longer interested in the transaction. I informed XXXX XXXX XXXX, that I was mistreated and she used her authority to embarrass me in front of others. As a Branch Manager she should have handled this situation with more professionalism. Supervisor last comment was : " You are not a customer and I do n't have to take care of you ''. After last comment I just walked out of Citizen Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and someone stole my identity and used my personal information to open up an account with XXXX XXXX for cable and high speed internet service. I do not owe XXXX XXXX a debt of {$120.00}. The account or debt do not belong to me. I have been phone calls repeatedly from XXXX debt collectors who have harassed, verbally abused and threaten me with wage garnishment and arrest if I do not pay the debt. XXXX XXXX is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an account with them, but they keep calling a number that is n't mine that I asked them not to call. They said they removed the number, but they are still calling it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citizen Bank has been taking out monthly fees for over three years from my bank account and never once informed me of these transactions. I never once received a phone call, email or letter, telling me this was going on. To my knowledge every bank I deal with even if I do not get monthly statements, will write to let me know what is going on with my account. This bank failed to do, instead just go into my account and help themselves to a monthly fee and now refused to give back my money. Do you know of anyone who has a bank account and allow them to do as they like with your account, without your knowledge and then turn around and blame the customer. Also you believe the bank is a safe place and you want interest not someone to go behind your back and steal your money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do n't have any clue of what or who this is.We can go to court on this matter.Highly disgusted with people who stalk consumers for their benefits illegally. Because you can assure You and I we know it 's not an accident. Fight Online Stalkers!

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