BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-12
Company: Source Receivables Management LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This account keeps getting passed to mulitiple collection agency after I dispute the current agency. It gets deleted from my profile the put right back on by some other company. I 've never opened any accounts with anyone. I am requesting that the company provide proof that I opened this account and evidence that it was indeed owned by me. I know I did not open any accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My credit report is showing XXXX individual student loans dating back to XXXX when I first started college. All of the loans have been consolidated into XXXX big loan and deferred because I 'm currently in XXXX XXXX, I can also see the consolidated loan on my credit report. Should n't those XXXX individual loans have come off my credit report. Now it looks like I have double the amount of loan debt and on top of that the XXXX loans are showing delinquent in payments even though they have always been deferred til XXXX. I tried complaining to navient them showing delinquent but they claimed there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: SC
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:
This is the several times I've complained about being a victim of identity theft. You must delete any items that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} XXXX  XXXX Balance : {$63.00} XXXX  XXXX Balance : {$93.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On Sunday XXXX XXXX after XXXX XXXX, I wrote a check payable to XXXX XXXX in the amount of {$31.00}. The one was mailed to a PO Box at XXXX Florida. Drove to the Post Office near my home and mailed the envelope. On Monday XXXX XXXX at XXXX the check cleared my bank account in the fraudulent amount of {$820.00} payable to a person that I have no knowledge of. My original check was completely changed, to whom it was payable to and the amount. I became aware of the fraudulent activity on XXXX XXXX around XXXX XXXX as i was checking my online account. I immediately called SunTrust Bank and reported that my original check has been misused. The representative on the phone took all the information and provided me with a case number, advised that it was going to take between 7-10 business days. Later on that same morning I went to my local police department in XXXX XXXX Florida and reported the incident. The officer took my statement and provided me with a police report number. That evening i contacted again SunTrust to provide them with the Police report case number. I then asked how long before my money is returned. At this time the story changed to 120 days. On Wednesday XXXX XXXX I called the bank again, trying to get answers and a status on my case. I was then told that everything was still under investigation and they had no available information for me at this time. Till today XXXX XXXX i still have not heard anything back from the bank no e-mail or any kind of correspondence explaining the progress of my case and or any resolution, nothing at all. I currently feel as a victim of fraud not knowing what to do in order to receive back the money that was stolen from my account. The money I though it was in a safe place. I have been a customer of SunTrust for over 6-years now, I though the bank will protect me as consumer and a victim of fraud. It seems by the way they are handling the case, they are not wanting to take any kind of responsibilities, my money was given away in minutes to a thief but i now have to wait 120 days to get my money returned. Any kind of help with this matter will be appreciated.

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 2016-11-15
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am reporting inaccurate credit reporting by Fedloans resulting from and alleged " delinquency '' on my account. I am questioning the bill which I believe was issued in error and duplication. I recently submitted a dispute form to Fedloans in which no meaningful review or comment was provided back to me. I have reported the incident to the Dept of Ed Ombudsman 's office. This is my XXXX complaint to CFPB. I have also reported this situation to the Dept of Education Ombudsman Office twice before. I have also tried working with the servicer for the past 5 months to resolve this issue but no longer have the confidence is their abilities to respond to my issue. I have sent Fedloans XXXX different dispute forms and each time they denied the request without any explanation regarding the details I provided. Keep in mind this is regarding a payment which was a duplicate that they later issued a forbearance for but after the time period for the delinquency had passed. My account is now current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I applied for and was granted a {$7500.00} student loan by American Education Services ( AES ) in XXXX, to be paid by XXXX ( nw XXXX ), for pre-law studies at XXXX Universityy in XXXX. I never received payment, but my loan went on the AES books as an Account Receivable. I took only one class at XXXX, and paid for it out-of-pocket. Fast-forward to XXXX : I am being hounded by a collections law firm in suburban XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, IL ), as they bought the paper on a claim that AES was awarded a default judgment several years ago for this " debt '' on a payment never received on a loan never used. AES can not produce a copy of the cancelled check with my signature, XXXX has no record of a deposit of that size, and as they not do this kind of loan, they have no XXXX records of the check, either. Saturday, I received notice of a hearing in XXXX to issue a wage deduction summons for {$21000.00}, for the " loan '' plus interest and court costs. This is absolutely outrageous, to put it mildly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10
Company: AES/PHEAA
State: AR
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 am paying my loans off to Fedloan services. As I try to pay ahead each month for my XX/XX/XXXX statement they said the amount owed for that month was {$0.00}. They did not have anything saying I would still need to pay interest for that month and what that amount that would be to keep me current for interest payments. Now for XXXX months in a row they have been taking all of my payment to catch up for the interest they say I owed in XX/XX/XXXX. They admit their statement said I owed {$0.00} for the month and that they did not bill me for interest, however I was somehow supposed to know that I should have made an interest payment. 
I asked " am I suppose to guess an amount and send it since you said my payment was {$0.00}? '' They did not have a good answer for me. 
I feel they purposely told me not to pay anything in XX/XX/XXXX so they could make more money on my interest payments. 
I would like to see them add to their billing statement explicitly {$0.00} owed for principle and {$140.00} owed so you do not get behind on interest. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My current credit score reflects delinquent payments in regard to my federal student loans. I was unaware that they were coming out of deferment as I was still enrolled in school at the time. Due to being unaware of this, I missed one payment in XXXX 2016. This ONE missed payment is listed several times on my credit report due to not being consolidated, and has had serious implications on my credit score thus hindering me from being able to rent a new apartment or house. I understand if it were listed as one missed payment, however having it listed as a delinquent payment several times has greatly effected me in all areas of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: SUNTRUST BANKS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
This is an addendum to case number XXXX which was filed yesterday, XXXX/XXXX/2015. 
We believe the Suntrust Mortgage Company has intentionally delayed our short sale process to allow our mortgage to reset. We had all paperwork in and had been approved for the short sale. Our mortgage resets XXXX XXXX, 2015, and increases from approximately {$1200.00} to {$2400.00} per month. We can not afford the {$1000.00} increase. The agent has acknowledge receiving all documents on time, and that someone in Suntrust " dropped the ball ''. They are requiring us to resubmit all documents because of their errors resulting in " Stale dated '' documents. These delaying practices seem ominously similar to the actions of XXXX which the CFPB and Federal Trade Comission which you took serious action against XX/XX/XXXX, fining them XXXX in restitution and XXXX in civil money penalt for it 's illegal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have several student loans owned by NCT and due to my worsening XXXX XXXX I have been unable to work for some time. I am receiving Social Security XXXX, have been approved for a Federal XXXX discharge, and approved by XXXX for a full discharge of the student loans that they held. I asked NCT for a compassionate review of my private loans ( totaling about {$41000.00} ) 2 months ago and they have n't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: H. Kent Hollins, Attorney at Law, P.A
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This judgment was filed in XX/XX/XXXX in XXXX County. I found out that the federal prohibits someone from collecting debt after ten years in the state of XXXX. The business alleged debt refers to XXXX, Doing business as LLC. They are out of business and also in the state of XXXX, which is out of the jurisdiction for them to collect from me without filing in the state of XXXX, where the debt originated and since the debt was not sold they are committing fraud. The collection agency that continues to try to collect the debt is a collection agency, which is in the state of XXXX and is the Attorney at Law P.A. Kent Hollins. They use a bogus account number that claims they have a XXXX County case Number registered through the court. I have contact the court about this issue and they have no Judgment listed under the number that the collection agency is using to collect the debt. They are attempting to continue to collect by a the letter sent by them, to persuade me to sign a form that they continuously keep sending, which states if I have a dispute to sign and request a court hearing. My Bank account has been garnished for the second time now and the first time they release the judgment because they found out through investigation that it was bogus and released funds back into my account. The collection agency came back again raising the amount from {$620.00} to {$740.00} on XX/XX/XXXX and then raised the amount XX/XX/XXXX to {$830.00}. I contacted them after speaking with the bank representative to resolve the issue by asking if I can settle out with them by giving them {$50.00} and they refused that offer and requested for more information and after that conversation I told them I would get an attorney and they told me to do this. Since the bank I bank with is a third party to parties that are trying to collect the debt, they are waiting on me to send them a letter and proof of this debt being fraudulent. I am sending my evidence to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: SQUARETWO FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XX/XX/XXXX/XX/XX/XXXX, Square Two Financial ( now CACH , LLC ) purchased a debt, which they somehow matched on my name, and in spite of more than a dozen attempts to have them resolve the bad data, they not only continue to report this on my credit, but are now fabricating fictitious dates of service to circumvent fair credit reporting laws. 
The company, in spite of multiple certified letters, numerous phone conversations, and the filing of a police report for identity theft, continues to fabricate false date information, change account numbers, and repost the fake debt on my credit 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 monetary relief
Consumer complaint received 2015-10-26
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been a XXXX holder for 7 years. Right now I ca n't access my account to pay for medication for my daughter who has a very serious illness. This is so unfair and XXXX should be working to get there customers there money. They can somehow have customers go into any bank to get a cash advance. My daughter also has XXXX. My grandson has a condition where a XXXX. She ca n't get access to her last deposit to get his medications or pay his co pay to see the Dr. XXXX customers need there money ASAP and now it 's impossible to even contact them. Something needs to be done because my daughter and XXXX year old grandson needs that money. Please my family is suffering right now and it seems like no one cares.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: AES/PHEAA
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
At the time of this I went to school at XXXX University and XXXX Ohio and during this time I was joining the XXXX my professor call me out in front of the class because my hair was XXXX and remove me from the class and told me never to show my face at the school again I was harassed and humiliated and the dean would not help me at all therefore I want to fight against this Federal Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Before leaving for an XXXX assignment I filled out a deferment for my student loan so for 12 months I was not making payments only to find out when I returned I have had missed payments for extensive periods of time. I submitted my XXXX orders over to the service in the hope to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: 1st Franklin Financial Corporation
State: SC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Amounts paid on account were not properly posted to account to allow for the interest to be applied to the correct balance. Therefore I was overcharged interest.

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 2016-02-13
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
American Express closed my account with approx {$7200.00} due immediately. I agree that I owe the money.I 've become XXXX 2 years ago. My only source of income is my social security every month.XXXX XXXX XXXX of Amex calls every 2 weeks since XXXX 2015 and hustles me out of {$50.00} every time. XXXX repeatedly threatens me that she will send this to an " outside agency '' if I do n't pay up. I 've explained to her I have a social secuity back pay award coming in the next 60-90 days but she will not accept that as a guarantee of payment. I 've offered to fax my documents from SS but she still insists she ca n't accept documents as proof of payment. XXXX XXXX has gone as far to suggested I sell my house, beg family and friends for loans. I fell threatened by XXXX calls and threats of going to an " outside agency '' Again I agree I do owe the money however I ca n't see how Amex with be damaged by waiting 30-60 days more to get the entire amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Credit Karma, LLC
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Hi on my credit report there are some names that are under my name and I only go by XXXX XXXX XXXX Never XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX something all the names have been reported to the police and opened a report of fraud. Please help me take these names off because it 's messing up my life.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ
Product: Credit card
Issue: Sale of account

Complaint:
After being the authorized user on a credit card with First National Bank of Omaha, they transferred my account to XXXX. After transferring the account, they never updated any information on my credit report. I submitted a formal request to have the information updated, and they received the certified letter on XXXX/XXXX/2015. Since then, I have heard nothing. After calling their customer service center requesting a document that showed that the account was transferred, I was told there was nothing that their company could do as they no longer had information on the account, despite the representative being aware and having knowledge of the accounts being transferred to XXXX. It is intolerable that over 30 days later I have received no information or updates from them, and that their customer service representatives know of the transfer but their reporting and collections department have not done their due diligence in reporting correct information to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I requested proof that this loan was mine with a signature. I requested that they show this disputed on my credit report. They did not provide a copy of the loan with my signature nor did they mark disputed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
These people are loan sharks! I am a XXXX. My husband was the only XXXX in my family working while I attended college. He left as soon as I finished. I have XXXX daughters. I can not afford to make my loan payments and the degree I have is n't helping me. The only job I can get is to XXXX, so I am returning to school to get a XXXX. AES is ruining my life. They want me to pay them almost {$600.00} a month with no job. I borrow money to pay them but I need to have my payments lowered while I am in college. They refuse to do that. I do n't know what to do. I feel as if I am suffocating. I do n't even want to live because of them. I want to pay them and I will pay them, but I can not pay until I have a job. The only way I can get a job is to teach. This company will not relent and they will call you until your phone blows up. It is no use trying to work out something with them. They will not listen and they 'll write you back the same thing they said all along. Please help! XXXX

Company response to consumer: Closed with explanation