BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: AES/PHEAA
State: NC
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:
I am in the process of switching from the IBR repayment plan to the REPAYE income based repayment plan. I have spoken with dozens of service representatives at my loan servicer, FedLoan, as well as called the Department of Education. I have gotten the run around and more than a dozen different responses. My question is whether the 4 years of payments I have made under IBR are transferred to the REPAYE repayment period of 25 years, i.e. I will have paid 25 years, 4 years under IBR and 21 years under REPAYE. Some people at FedLoan say yes that is the case and some customer service representatives are telling me otherwise. The other statements I am receiving are that since I have switched repayment plans, the term resets so I will have to pay 4 years IBR that I have already paid and switching to REPAYE, I will now have to pay 25 more years under that plan so in effect, I will have to make 29 years worth of payments before forgiveness because I switched repayment plans. 
It is a simple question about the terms of my loan. If my servicer nor the Department of Education can explain to me the terms of my loan or how the repayment plan works, how am I supposed to make an informed decision about how to repay my loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am currently enrolled as a XXXX in a school which is not receiving US Dept. of Education funding. When I applied to have my XXXX loans placed in deferment whil I am in school, all of them were - except for the ones serviced by American Education Services. AES claims that the originators of the loans ( XXXX and XXXX ) are the culprits, however, all of my other undergraduate lenders ( XXXX, US Dept of Education, XXXX XXXX ) had no problem deferring payments while I am XXXX. They ( AES ) cite YOU - CFPB - as their source of information. 

Furthermore, while awaiting a decision on my deferment status from this servicer, my monthly payments have fallen behind ( again, I am a XXXX - and can not have a job while in XXXX of the United States ) and now my parents ( who are XXXX and XXXX years old ) are receiving about XXXX harassing phone calls per day from these lenders - and are TERRIFIED that their home and/or car are going to somehow be placed in judgement and repossessed because of these trivial XXXX student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: EQUIFAX, INC.
State: OH
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 an incorrect outstanding debt collection still showing on my credit report through Equifax that has been previously paid on XX/XX/2020. The collection amount of {$190.00} was paid to XXXX XXXX XXXX ( XXXX ) for a former outstanding debt to XXXX XXXX XXXX. I have tried now numerous times to get this corrected through Equifax through their online dispute process, but with no success. When contacted by phone they tell me there is nothing that they can do and that they can only go by the information that the debt collection agency, XXXX XXXX XXXX, provides to them. But in contacting XXXX XXXX XXXX ( also numerous times ) they clearly show this has been paid in their system and have even provided to me an receipt for payment of this former outstanding debt. I have provided this receipt to Equifax along with my last dispute attempt and still Equifax came back after their review showing the collection amount was still outstanding. Help!!! 
This is affecting my credit score through them and given the current economic climate it is even worse ... Equifax has been awful to deal with to try to get this simple problem resolved!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: Early Warning Services, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
My application at numerous financial institutions to open a checking account has been denied because Early Warning Services furnishes an inaccurate report replete with outdated and incorrect information, to the respective financial institution at which Im applying. The financial institution then denies me the opportunity to enroll in a checking out due to negative information furnished by Early Warning Services. My outreach attempts and attempts to resolve this issue with Early Warning Services have all been entirely unsuccessful and my entire financial stability is put at risk due to Early Warning Systems negligent information and reporting procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
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 had about XXXX reward points in my Bank of America Merrill+ credit card. The points are worth about {$1000.00} in redemption value. 

On XX/XX/2020, Bank of America suddenly closed my credit card without giving me a chance to redeem the reward points. This is a classic bait & switch tactic. Bank of America earned credit card processing fees because of my card usage. By denying my ability to redeem these rewards points, Bank of America kept all their credit card processing fees thanks to my business, but refusing to give me the credit card rewards as promised.

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 2022-02-24
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I, XXXX XXXX, and consumer, am sending this notice of dispute to you myself and there is no third party involved. After several attempts to resolve this dispute with Equifax, they are still in violation of several subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Within my last correspondence, I informed Equifax of their violations against me, the consumer, and I have yet received my requested remedy or a response to their investigation which has been more than the allotted 30 days. They are reporting inaccurate information on my consumer report and never received written instruction from me, the consumer, to furnish this information. I have provided the consumer report pages with the accounts I need removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
On XX/XX/2022, I was denied XXXX XXXX XXXX XXXX ( XXXX ) & Temporary Expanded XXXX ( XXXX ) that I should have been approved for based on the new XXXX program requirements. I need your help with getting this matter resolved. 

I have {$18000.00} in public student loan debt that should have been forgiven based on the new XXXX program requirements. After taking all of the appropriate actions and submitting all of the required documentation, I received an email from FedLoan Servicing stating that I have only made XXXX qualifying payment. This is not correct. Under the new requirements, including that periods of repayment under any plan count and periods of repayment on loans before consolidation count, even if on the wrong repayment plan ; all of my payments should count, and all of my student loan debt should have been forgiven. https : //studentaid.gov/announcements-events/pslf-limited-waiver I have an amazing payment history and never defaulted on my loans. I have also made more than the required XXXX qualifying payments and taken all of the required actions including : ( XXXX ) completing the Direct Loan consolidation by transferring my student loans from XXXX XXXX XXXX ( XXXX ) to XXXX XXXX XXXX, ( XXXX ) submitting the XXXX application, and ( XXXX ) my employer verification forms documenting my XXXX years as a full-time federal government employee. I also noticed that XXXX of my employment verifications forms ( showing XXXX years of full-time federal employment at the XXXX XXXX XXXX XXXXXXXX XXXX XXXX is missing from my account. I have attached supporting documentation for your review, including my student loan payment history and full-time federal employment for the past XXXX years. 

Since receiving the denial email on XX/XX/2022, I have contacted FedLoan Servicing several times but was put on hold for hours and unable to get through to a representative to obtain guidance on how to fix this problem. I understand that the representatives may be busy ; however, there should be a way for me and other people seeking help to get a timely access and a response. Consolidating my loans into the XXXX XXXX program was seamless; but getting my XXXX benefits has been very stressful. As a veteran and military family member, Ive experienced stressful situations and have compassion for people on the other end trying to help. I cant image what others are going through who have less experience dealing with these issues and are in financial duress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2015 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 my monthly statement did not get to me.

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 2020-08-14
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Dear CFPB, On XX/XX/XXXX I called to cancel the overdraft service on my ATM / DEBIT card. US Bank representatives confirm that this request is visible in their system and that it shows the request went through. I was informed on that call that transactions would thereafter decline for insufficient available balance. 

However, declines never began and overdrafts continued to be charged including two on XXXX, and one on XX/XX/XXXX. 

On XX/XX/XXXX my wife and I called again and asked for the overdraft service to be cancelled and we were given confirmation that it was, and one fee was reversed. US Bank confirms that the fee was reversed but failed to notate why or that any call was made. 

The card still failed to decline and overdraft fees were incurred on XX/XX/XXXX and XX/XX/XXXX. 

Today I called US Bank and the representative confirmed that the overdraft service is notated as being canceled on XX/XX/XXXX, and that she does not see any notation on the account for when or why it was ever turned back on. She has turned it off again but I have no confidence that it is truly off or that it will remain off. 

The total fees improperly charged since turning off the overdraft service on XX/XX/XXXX total {$210.00} and I will not be satisfied until all of That is returned back to me, that the overdraft service is truly XXXX permanently and that I am given written guarantees that it will not be re-establishes without my signed, written permission. 

Thank you for your assistance and diligence.

Kindest Regards, Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX I submitted a dispute with Experian regarding an incorrect late payment reported on XX/XX/XXXX from XXXX XXXX XXXX. I provided proof of payment from the creditor with a confirmation number. The dispute was not investigated and the incorrect information remains 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 explanation
Consumer complaint received 2015-12-09
Company: The Receivable Management Services LLC
State: MD
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 have small business and I was have XXXX Insurance XXXX and XXXX Insurance send my company to collector for {$610.00} only for change the company they do n't happy we us went I tell I do n't going continue with your service and after that they send me the bill for {$610.00} And I do not owe they anything. collector company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX IL XXXXClaim No XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-11
Company: Credit Central Holdings, LLC
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The creditor never states the company or who they are. The message simply gives a name of the person and how they need a phone call back today regarding a very important business matter. They called 3 times within 1 hour, twice on my cell and once to my work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of XXXX, I traded in a XXXX XXXX XXXX XXXX for a newer XXXX XXXX XXXX. XXXX XXXX XXXX of XXXX, TX, took this vehicle on trade and was to pay the lien of {$10000.00} to JPMCB AUTO FINANCE # XXXX. As seen on credit report, all of my payments prior to trade in were made on time. My credit History is EXCEPTIONAL and this incorrect report is negatively affecting my rating!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In 2012 I re-financed my mortgage FROM Chase to XXXX XXXX. That ENDED my relationship with Chase, which was bad for me them having used a sub-prime interest rate when rates were XXXX and I paid for eight years with exceptional credit. I used the streamline FHA re-fi program and had to go elsewhere because Chase kept trying to find ways to jack up fees that were not allowed, or were unethical, and in some cases outright misleading. 
So, I did re-fi and thus Chase had no reason to keep private information on me. 
A few months ago I applied for an Amazon credit card and did receive it. I did NOT know they used Chase but nevertheless, I decided to keep the card. 
NOW I am trying to set up an ONLINE set up so I can pay ONLINE and access my credit card account -- charges, credits past statements etc. But I CAN NOT SET THIS UP BECAUSE MUCH to my dismay, Chase has kept private information from my mortgage and 1 ) it has the wrong old not used phone number and 2 ) an ancient email. So Chase needs to send a " code '' to either a text, email or phone to confirm your account. Despite them having my account number, and all NEW UPDATED phone numbers and emails, THEY HAVE ONLY THE OLD phone number and email and there is no way to change or update it. 
I called twice, spoke to XXXX people, and NOBODY I talked to was able to CLEAR OUT the old information. I told them I was very displeased they would have the nerve to keep my private information. Then, they ca n't seem to get rid of it. 
Then the second man transferred me to someone in the department which is supposed to be able to do this and THAT man said there is a " tool '' he uses but that " tool '' is n't available to him now to be able to clear out or update information. 
OH PLEASE. 
Chase also uses stupid, ancient things like, what is your mother 's maiden name -- identifiers I have LONG AGO LONG AGO stopped using because these are so common and too many people know my mother 's maiden name. 
This is overall a problem with these banks who think they can just keep all sorts of information on people despite nobody doing business with them. Ever since I re-financed and have a much much better mortgage company, I have not contacted Chase for anything. No reason to keep my private information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: LD Holdings Group, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was laid off from job and applied for a loan modification due to financial hardship. Submitted forms multiple times and multiple applications from XXXX-XXXX. Denied for loan modification and asked to resubmit and resubmit. During loan modification, foreclosed on home. Had legitimate layoff and had to move. Tried to sell, couldn't. Loandepot.com rejected short sale. Refused to offer any help. Loandepot.com has done zero to help in a situation with a legitimate hardship. We have been applying for a loan modification for two years with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THIS INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2016-12-17
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Late fee

Complaint:
I recently open a Chase Slate card and for two months never received my statement or credit card. Each month I called and had a representative take the payment. Last month I again did this, second time since I had the card. The representative stated that it would be waived and the credit would appear on the next statement. Note that the late fee was waived once before due to not receiving a card or statement. I went to pay my bill tonight and the {$27.00} charge is still on the bill. After talking to a representative and escalating to a supervisor I was told that I never spoke to a representative and used the automated system. Even though the payment was made on the due date since it was made at XXXX it did not post in time. The problem is that in order to use the automated system I would need an account number which I did not have. I never used the automated system. They have refused to waive the {$27.00} as promised by the representative last month. I have been with Chase for 13 years as a mortgage customer and recently paid off my mortgage in full. The {$27.00} is not the issue here, it is the principal of the matter. Chase must be held accountable for their word. I have lost total consumer trust in what any of their representatives say and tonight they basically called my a liar. 

XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-24
Company: EQUIFAX, INC.
State: VA
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:
I am, XXXX XXXX consumer and natural living person submitting this complaint and there is no third party involved. XXXX XXXX committed fraud on my consumer report, and I did not consent, benefit nor authorize these hard inquiries on my report. I demand XXXX XXXX to remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation