BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-25
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Fed Loan Servicing began to furnish my student loans at the end of XXXX 2013, so my payment with them should have started in XXXX 2013. They are reporting that as of XXXX 2013 my payments to THEM were 180 days late, they also reported the same in XXXX 2013. As of XXXX XXXX 2013 Fed Loan Servicing my accounts for a total of 36 days and on XXXX XXXX 2013 the total was 67 days, since they had only held my accounts for that amount of time its impossible for my loan payment to THEM to be 180 days late. I was also granted a forbearance from them to cover the months I have listed here. The argument they give is that the forbearance was granted to bring my account in good standing and that the information that was reported to the credit bureaus will stay on my report because it had been reported before my forbearance was granted. They said that the late payments wont be removed regardless of the forbearance because it was reported accurately at the time. Which brings me back to the beginning, how is it possible for a company that had only been servicing my loans for 37 days report that I was late making payments to THEM by 180 days on 2 separate months. Its mathematically impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: MS
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:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

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 2022-10-19
Company: Atlanticus Services Corporation
State: FL
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:
I received a collection letter from FORTIVA on XXXX but dated XXXXXXXX XXXX XXXXXXXX. This letter was sent despite my having contacted their dispute department by mail two times previous asserting my rights as declared in the issuance of any such credit under such title clause/language. They have chosen to disregard my communication in favor of their attempts to collect an invalidated debt which would only benefit FORTIVA and threatens to further damage my credit beyond what they have already done. I have already submitted complaints regarding this apparent merchant FORTIVA and as it appears, the complaints are still pending. this is a clear indication that FORTIVA refuses to accept my notice of dispute of any such debt and or is attempting to collect a debt already paid in good faith. Consequently, I have reported this to my credit reports/the Three main Bureaus and they have also refused to properly investigate this and have instead sided wit the reporting merchant having violated my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Of my {$460.00} payment that I have been given through an Interest Reduction Plane this is what I pay. I do not think that I or anyone should have to pay this type of interest to get our student loans paid off. I am paying more than what I pay to get the principal paid down. This is just not fair to the people trying o get and education and find a job to live and pay off these loans afterward. 
Principal Paid : {$210.00} Interest Paid : {$240.00} Borrower Payment {$460.00} Balance {$100000.00} DIRECT SUB CONSOLIDATION LOAN Principle {$75.00} Interest {$84.00} DIRECT UNSUB CONSOLIDATION LN Principle {$140.00} Interest {$150.00} Totals : {$210.00} {$240.00} REPAYMENT Disbursement Date : XXXX/XXXX/XXXX Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Guarantor : FEDERAL Interest Rate : 6.125 % Interest Rate Type : FIXED RATE Subsidy : SUBSIDIZED Loan Balance Original Balance : {$34000.00} Unpaid Interest : {$30.00} Current Balance : {$35000.00} Payment Information Monthly Payment : {$160.00} Repayment Term : XXXX Months Expected Payoff Date : XXXX/XXXX/XXXX Due Date Information Next Due Date : XXXX/XXXX/XXXX Days Delinquent : XXXX Loan Status : REPAYMENT Disbursement Date : XXXX/XXXX/XXXX Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Guarantor : FEDERAL Interest Rate : 6.125 % Interest Rate Type : FIXED RATE Subsidy : NON SUB Loan Balance Original Balance : {$59000.00} Unpaid Interest : {$56.00} Current Balance : {$67000.00} Payment Information Monthly Payment : {$300.00} Repayment Term : XXXX Months Expected Payoff Date : XXXX/XXXX/XXXX Due Date Information Next Due Date : XXXX/XXXX/XXXX Days Delinquent : XXXX I and most others do believe that we could pay off our debts quicker if the interest was not placed upon us as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Navient Solutions, LLC.
State: NJ
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 was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : 180 days past due as of XXXX 2013 150 days past due as of XXXX 2013 120 days past due as of XXXX 2013 90 days past due as of XXXX 2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
JP Morgan Chase bank is stealing money from me via unexplained credit card fees which I did not agree to. I created a payment plan to pay off a large purchase which they said will be interest fee, I have done this with other financial institutions before and never had a problem However, Chase has started charging me monthly fees for the payment plan, this is tantamount to FRAUD because chase is now charging the same interest which they said will NOT be charged if a payment plan was created via a monthly fee. When I asked them to cancel the plan they refused and said it can not be done, they refuse to refund the fees that they are ILLEGALLY charging and which I did not know off JP Morgan Chase has been getting away with these crimes for a long time and it is time that the Government does something about them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Gatestone & Co. International Inc.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I am contacted several times a day by Gatestone and company international. They call on my cell phone and leave automated messages. However, today XXXX XXXX, they left XXXX messages on my work phone. I work XXXX and I am extremely concerned how they received my work number. I work XXXX with an extension, but my extension is not provided on the initial phone menu when you call. When this company tracks down my work number, which is not easy to do, I feel that this constitutes predatory, aggressive behavior. My work was interrupted twice when I had to stop teaching in order to answer the phone, only to get an automated message. Interruptions like the one 's Gatestone is performing could cost me my job. The automated message does not state what type of debt is owed, to whom, or for how much. I can choose whether or not to have my ringer on my phone on, or whether to answer the cell phone or not, but my work phone, during school hours, are for emergencies. When someone obtains information regarding where I work, and performs such convoluted hurdles to speak with me, it makes me feel violated and fearful on who is searching for my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: Trident Asset Management, L.L.C.
State: NJ
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:
This is my sisters acct how is my name on this? i called XXXX which my sister has and the collection name and they have no record of my ss # or name and cant help me .they ( XXXX ) they did not have a # for Trident the collection agency to give me .they told me that XXXX is taking care of the accts and XXXX does not have any info on me XXXX did say that XXXX is the acct they have on file which is my sister XXXX XXXX.I want this blemish off my record and an explanation of how this happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-19
Company: Cadence Bank
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
My mortgage loan with Bancorpsouth in MS may have been subject to discriminatory financing. Although our mortgage was approved, the final loan had a higher interest rate and PMI than originally estimated. The interest rate and PMI used in the good faith etimate was 1 % lower than our " lock '' rate and the Final PMI was {$110.00} more. Even their our LTV was only about 82 % we are paying extremely high mortgage interest. I am asking for an immediate refinance to explore other loan products.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Harris & Harris, Ltd.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company calls me several times daily I have over 37 calls and told them many times to STOP, they are claiming I have and account with them which I never authorize any thing with this company Harris & Harris

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Army and Air Force Exchange Service
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I do n't even know this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Trans Union is being willfully Malicious by failing to timely and accurately update my credit report as required by ( FCRA ), 15 U.S.C. 1681 et seq. 
Original Dispute was filed on XX/XX/XXXX. To date, still not resolved, albeit the XXXX other major credit bureaus have acted in conjunction with the credits required to correct the inaccuracies. 
Specifically, referring to the XXXX XXXX XXXX XXXX ; after I called XXXX XXXX today ( XXXX/XXXX/2016 ) @ XXXX to ascertain the accuracy of the inaccurate information, I was advised that they did not submit any/ that information as they have ceased to report that account since XX/XX/XXXX .It was also observed that Trans Union has `` re-aged '' the reporting of that account to XX/XX/XXXX. 
Inaccuracies continues with my XXXX XXXX XXXX to date, notwithstanding corrections issued by the creditor since XXXX XXXX, 2016. Please see the attached. 

Please see prior unresolved complaint : Case number : 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: Early Warning Services, LLC
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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CITIBANK, N.A.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had fraudulent charges on my account that I did not get any notice about. I was notified prior about an attempt of XXXX that I did make but nothing about the fraudulent charges I did not make! I contacted the bank who said they would file a claim and I would receive credit. It's now been open 3 weeks tomorrow and I have not received any credit or any update on anything. I called last week and try said they would submit a ticket for the credit and an update, I received neither! Today I called and they said there was no update and that there was no case number ever opened, which I never received communication about. I have things I need to pay for, my mortgage check was returned, and I am out of money that I worked hard for. No one has contacted me and I have not received any update about anything. They allowed my account to be used and taken advantage of and no help from them!!! Now they want me to do another claim and for my waiting period to start! This is ridiculous.

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 2015-04-29
Company: Gatestone & Co. International Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
When I ask what their calling about, they repeatedly ask for a : ref #. When I ask for their name and company and if it 's a debt collection agency. They get verbally abusive and refuse the information. When I ask for a manager or supervisor they refuse by telling me without aref # they will not and can not transfer the call. They call back to back leaving no messages on my phone and do out all day long. When I refuse any info they hang up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
As of XX/XX/2022 credit reporting agency Transunion continues to violate my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by reporting fraudulent consumer credit transactions that are due to identity theft. 15 USC 1681c-2- Block of information resulting from identity theft states that except as otherwise provided in this section, 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 days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Having this knowledge Transunion needs to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy by immediately blocking the accounts that are a result of identity theft from my Transunion consumer credit file and report. The purpose of the Fair Credit Reporting Act is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681. I have attached all requested proof of identity, a copy of identity theft report and notarized identity theft affidavit, identification of the identity theft information that appears on my Transunion consumer credit file, and a statement by me the consumer that the information is not information relating to any transaction by me. 

I AM A VICTIM OF IDENTIY THEFT!

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 2016-12-21
Company: ROYAL UNITED MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
We started a refinancing with Royal United Mortgage XX/XX/XXXX we sent all required documents. Paid to have house appraised XXXX We were told in would take 30 days refinancing process and not to worry about our XXXX house payment because it will be finished by end of XXXX! Well today is XX/XX/XXXX and we still haven't heard anything positive from our loan officer!! And we have been late on our XXXX house payment and playing catch up on our XXXX payment! Our loan officer keeps giving us the tune around that he's working on it! If we didn't qualify why didn't he he just tell us that!! We are very disappointed we had estimates done on our bathroom and garage plus some bills were suppose to get paid off. This waiting has really put us being as far as mortgage payment being late!!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CAVALRY INVESTMENTS, LLC
State: NC
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:
There is a credit card that went into charge-off status in 2017. This has not been on my credit report in a few years from the original Creditor ( XXXX ) due to the North Carolina Statute of Limitations. Just recently a collection company popped up noting the debt as new and demanding payment. I called and tried to discuss with them, but they refuse to remove this. I have checked with North Carolina law and have been advised that this is absolutely passed the statute of limitations and this creditor is illegally trying to collect and running my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I noticed that Chase will charge an NSF fee to make it seem as if it is an opportunity to charge a fee, but I also noticed that upon making a purchase with lots of funds yet it stays in the pending status for a day or two. Also, I notice when my deposit check and purchase at the same time, within a few hours or same day, the bank will charge a fee, making it seem as though due to less funds they have to charge a fee which is a not so good advantage as they can see the funds in their systems, and take it immediately out of the pending status and the merchant did not even request it that fast. I feel this help keep the bank funded at the consumers ' expense, as this economy is very stressful. 

My deposit was made before the cut off time but yet I was charged a XXXX dollar fee in my account. This also happened before. I was charged another XXXX dollar fee. I work hard to keep my account in correct form because I have been a Chase customer for 45 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been disputing XXXX accounts listed in collections on my credit report that do not belong to me. The DOB and SSN do not add up on XXXX of them since they belong to my father ( we share first name ) and the fourth account has my brother 's name on it which is nowhere close to my name and different DOB. It 's been almost five months and I managed to get the other XXXX bureaus to remove the information but after a lot of correspondence and frustration I managed to only get XXXX out of XXXX accounts cleared with Transunion. I have contacted the collections agency in writing who in turn verified that the information from their client does n't match the accounts in question but Transunion has repeatedly failed to remove it citing a dispute was never listed on more than one occasion contradictory to my call documentation. At this time it 's been disputed now for the third time and I 've even filed a complaint with the XXXX but this has damaged my credit history and hindered my ability to get my vehicle refinanced. I only discovered something was wrong because my wife worked in the collections industry and suspected something was wrong when she saw the FICO score drop by a large amount last year.

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