BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-13
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX I bought a XXXX smart phone at a XXXX store. I told the clerk I needed to connect to internet on multiple devices, including streaming XXXX. She sold me an unlimited data plan to meet my needs. When I got to my son 's home I looked at the papers the XXXX clerk gave me and noticed there was no invoice detailing the service -- such as how much data, when I would be billed, for how much etc. There was only a receipt for the phone itself. I immediately called the store to complain about this and was told the store would be closing in 30 minutes -- not enough time for me to go back there to get an invoice. The next day -- Monday -- my grandkids visited me so I could not go to the XXXX store for the invoice for services they neglected to provide. On Monday I attempted to use the phone 's data to connect to the internet on one device and also connect to netflix using firestick on my TV. I was able to connect to either one or the other using the XXXX 's phone hotspot but I was n't able to connect to two devices at the same time. I owned a {$25.00} smartphone that comes with a limited amount of data per month. With this really cheap phone, I am able to connect to both a laptop and watch XXXX on another device AT THE SAME TIME. So I know what 's possible and I dispute the XXXX clerk 's description of the XXXX XXXX as a " high end '' phone if it ca n't do what my cheap phone CAN DO! 
On XXXX morning, less than XXXX hours after I bought the XXXX phone, I returned it to the XXXX store where I bought it, citing the reasons given above. The clerk said he would refund {$1.00} to my XXXX card mastercard but would charge me a {$50.00} restocking fee. I asked why and he said because it was a high end phone. I consider iphones to be high end phones. I pointed out that the XXXX phone did not perform as was promised and was not able to do what my super cheap smartphone can do. I told the clerk I would dispute the {$50.00} restocking fee with the credit card company. I did dispute the {$50.00} restocking fee. XXXX issued me a credit on my next statement, but now the full amount of {$51.00} AGAIN appears on my XXXX card statement. Furthermore, the sales clerk I returned the phone to lied right to my face. He told me XXXX would " waive '' the {$5.00} data charges I incurred for the incredibly short time I had this phone, but XXXX actually did charge my XXXX card {$5.00} for the data. I did n't dispute the {$5.00} data charges because I actually used a small amount of data.

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 2019-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I HAVE AN  ACCOUNT WITH BANK OF AMERICA; I PAID XXXX DOLLARS TO THE XXXX XXXX COMPANY. I ENROLLED IN ONLINE BANKING TO FOLLOW EXPENSES, THE XXXX  BALANCE SHOWES A POSITIVE AMOUNT THEY CHARGED 9(XXXX$) XXXX DOLLARS IN FEES. THE BANK OF AMERICA ON XX/XX/19 INFORM  ME THAT SOME TRANSACTIONS ARE NOT SHOWING. TODAY I STILL HAVE A HOLD $XXXX. NOW I'm IN A FINANCIAL CRISIS BECAUSE MY ACCOUNT WENT NEGATIVE AND MY  MONEY IN THE ACCOUNT STILL PENDING. THE BANK OF AMERICA  KEEP CHARGING OVERDRAFT FEESPLEASE HELP ME TO CORRECT THIS ISSUE AND GET MY ACCOUNT CURRENT AND POSITIVE !!THANK YOU FOR TIME AND CONSIDERATION                                                                                 XXXX XXXX                                                                                    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 2017-09-20
Company: Lincoln Educational Services Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, Lincoln Tech started reporting a collection account on my credit report. Prior to the appearance of this account on my credit report, I did not receive a notice of my right to dispute. This is a violation of federal collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2020, I had received notifications from each credit reporting agencies as well as other vendors such as a bank, XXXX XXXX and XXXX XXXX, to just name a few, regarding the significant decline ( > 40 ) of my credit scores. 

I had contacted XXXX  ( student loan lender ) on XX/XX/XXXX and XX/XX/2020, regarding the decline of my credit scores, and the comment that a remark has been removed from my credit reports caused the decline. I was informed that all of my accounts are in good standing and a few of my loans are currently in forbearance due to COVI- 19, and I have a couple of accounts are in a grace period. I was informed to contact the credit reporting agencies because it is the credit reporting agencies who has the ability to make a decision regarding my credit scores. I had informed the representatives that I had contacted the reporting agencies and I was informed to contact XXXX. I had requested for this matter to be investigated but was told that noting can not be done because all of the accounts are in good standing and this is has been reported to the reporting agency. After expressing the concerns I have and the request for XXXX  to advocate on my behalf, I was than informed that I can only make a complaint via writing a letter and sending supporting documents to XXXX  compliant departments. 

XXXX  submitted a dispute on one account but I was told that I can not dispute the other accounts due to the fact that all accounts are in good standing, but I was informed to contact XXXX  regarding my concerns. XXXX provided the same recommendation but I was informed to contact XXXX and the Board of Education. I contacted the Board of Education and was informed to contact the reporting agencies and XXXX. Each party stated that my credit scores should have not declined so significantly, as all of my accounts are in good standing and are either in forbearance or in a grace period. 

Since I was told that I could not submit dispute regarding my credit scores because of the reason above, I did not move forward to dispute with Experian. For Experian, there is no option to dispute my credit scores. 

I have made attempts to resolve my concerns but have been recommended to call each parties, with no solution. 

Thank you for your time and patience to assist me in this matter.

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 2015-07-05
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company is Midland Credit Management but on caller ID it shows up as XXXX XXXX ( XXXX ) and they will call up to XXXX times a day every day but when I answer there is no one there and they just hang up. Also they will never leave a message on my machine. I am XXXX XXXX and all these calls constantly at all hours of the day and night are aggravating my injuries and causing undo stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-19
Company: Credit Karma, LLC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX / XXXX XXXX = XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX D.O. B : XXXX/XXXX/XXXX ( XXXX/XXXX/XXXX ) I paid into XXXX XXXX over XXXX and all the rest of my bills I paid in over XXXX Tell me how am I supposed to live if I ca n't use the credit cards to buy enough for me to make it from one week to the other without my credit score dropping back now under poor. I am ready to say XXXX all the credit cards and just live, because the more I pay the lower my credit score get. On top of that you are giving out my person information without my permission and having all these collection agency calling my phone using up my minutes. Before I started trying to straighten out my credit Because they had me mixed up with someone else, I did n't get all the harassing phone calls. Now they call hours of the day and night, and even on the weekend. They refused to remove any hospital bills that have not replied back to them in 90 days they just bound them from on collection agency to another. So this is and knows winning battle. There I will cease in paying any bills because you drop my score by XXXX to XXXX point each time and when you bring it back up it always by XXXX point. Which do n't help me at all? If anyone else is having this problems make sure you post it for everyone to see the un-fairs dealing you have with all XXXX Collection Agency. They bound them back from XXXX agency to the other causing you nothing but pain. 

This is drive up my score, that is the reason a lot of consumer do n't pay their bills, because the more they try and work with these collection agency, the harder they make it for anyone to want to pay a bill by bounding them back and forward, stressing you out. I want them to stop given out my person information without my permission, driving up my cell phone bill to make the cell phone company happier. 
Collections XXXX XXXX XXXX provided by &

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 2020-06-15
Company: TOYOTA MOTOR CREDIT CORPORATION
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 information incorrect

Complaint:
Hi All, I have leased a Toyota with Toyota Financial Services for years. During COVID and since most dealerships were closed, I agreed to extend my lease for up to 6 months. My account information including bank account have been on file and authorized to charge monthly. For some unknown reason and without any kind of warning, they filed a credit score dispute which as a result dropped by credit by -40 pts and I was in the middle of a PPP loan application for a small business. They may have interfered with this loan as a result with a fraudulent charge, showing an inconsistent amount that I do not owe this dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11
Company: AMERICAN ADVISORS GROUP
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
I 'm in the process of completing a reverse mortgage ; however, I 'm finding this process to be very diffcult due to my loan processor, XXXX XXXX. She is very combative and hostile towards me and none of our discussion are productive. I 'm not sure is she is treating me unfairly due to may age ( XXXX ) or due to my ethnicity ( XXXX ). I 'm at the point I 'd rather due without the loan than have another conversation with her. We 've already spent over {$1000.00} for the appraisal and survey so I ca n't just drop the loan. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: AES/PHEAA
State: NY
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:
All our loans were consolidated, or so we thought. When I called for a pay off amount in XXXX XXXX, I was sent via email a pay off amount, which was paid to the Department of Education on XXXX XXXX, XXXX, in an amount of approximately {$390000.00}. We received a paid in full notification. In XXXX, XXXX, I received a " welcome letter '' from Fed Loan Servicing saying that I owed {$8000.00}. With the Ombudsman Group and a Fed Loan Servicing agent, I was told the pay off amount was {$7600.00} which was paid off as part of legal proceedings on XXXX XXXX, XXXX. In XXXX XXXX, I received a called from Fed Loan Servicing saying that I now owed {$2900.00} -- I asked that the Ombudsman Group and Fed Loan Servicing supply me with how this could be because I received another letter on XXXX XXXX, XXXX that once again my consolidated loans were paid in full. There was no documentation that could support this claim and this battle would go on for nearly two years. On Thursday, XXXX XXXX, XXXX, I placed a called to a rep who is working on this for me and she told me that I did owe the monies and that I owed interest in the amount of {$400.00} and would try to get the interest written off. I should state that I had to place all the calls and I have documentations to this effect. Today, XXXX called me ( XXXX XXXX, XXXX ) to now say that I owe {$18000.00} plus 4 years of interest because of some consolidation error and interest rate mischarges on behalf of XXXX and Fed Loan Servicing. I have tried for over XXXX years now to pay off my student loan debt but I am unable to. Yet, I keep owing interest even though Fed Loan Servicing for the last two years is telling me that they are looking into it. I can not afford the {$18000.00} owed ( if I owe it ). I would need a complete recap of what exactly went on with my account. I do n't know where to turn to. The schools were XXXX College, XXXX XXXX XXXX College, XXXX College and XXXX University XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My current lender, SLS, took over my mortgage. They now claim that my townhouse is in a flood zone, even though the other XXXX units do not have flood coverage either. A neighbor recently refinanced, and also did not need flood insurance. Out of curiosity, I did contact a few insurance agents for flood insurance quotes, and these agents questioned why I would need flood insurance, and they should be wanting to sell me business! 

I then obtained documentation from FEMA saying that our structures were not in the flood zone, the parking lot is actually adjacent to the flood zone. I provided this documentation to SLS, and they said they were still going to go forward and purchase flood insurance on my behalf, and of course charge me. This is outrageous, as I mentioned, as my FEMA documentation ( pulled XXXX/XXXX/15 ) clearly indicates that none of our complex 's units are actually in a flood zone. They also indicated that I would have to contact FEMA to dispute this- but FEMA already indicated that our units were not in the flood zone. 

Each time I call SLS to talk about this situation, I get a different story from different representatives. They are not receptive at all, and actually make the customer feel inferior.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: Specialized Loan Servicing Holdings LLC
State: AR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Account # XXXX - Posting Discrepancies - Ref ticket # XXXX XXXX 1. This case has been open with Specialized Loan Services LLC since XXXX/XXXX/XXXX to investigate {$540.00} posting discrepancy to Account # XXXX ( Ref ticket # XXXX ). 
2. I called in their customer service on XXXX XXXX, XXXX to get an update on the progress and I was told that there was n't any noted update on the account which indicated any progress made rather your representative even accused me of submitted bogus data and tasked me to submit bank statement to prove payments. 
3. I have this property under a sales agreement with a scheduled settlement on XXXX/XXXX/XXXX demanding expedited resolution to avoid an inflated payoff amount. 
4. I have compared my bank shown sent payments with your SLS account details and I believe I have found the problem ( shown in below tables ) which began with a {$540.00} UFU Unapplied funds unidentified payment of payment posting on XXXX/XXXX/XXXX. 
5. My account has been in awful shape since then and never recovered back. 
6. I want SLS to correct their posting problem ( s ). 
7. If their resolution is later then my sales settlement XXXX/XXXX/XXXX where I may pay inflated payoff amount I would like a refund check from SLS amounting my missed payment plus any penalties consequently occurred due the posting error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Everi Payments Inc.
State: AZ
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:
My wallet was stolen from my vehicle on XX/XX/XXXX and illegal / fraudulent charges were made. Theft was reported to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
I notified all credit cards companies and disputed transactions. 
All were verified as fraudulent ( and there is video surveillance of all transactions ) and money returned to my account/ cards. 
One charge from XXXX XXXX was initiated at a casino as a cash advance. XXXX XXXX contacted the merchant ( Everi XXXX ) and notified them that this was fraud. They provided merchant with police report, and Everi did not fight or dispute chargeback. 
On XX/XX/XXXX I was notified by my private banker that a negative collection hit my credit reports ( resulting in a XXXX point drop ) from company called XXXX XXXX XXXX. 
Upon contacting them I was told it originated from the fraudulent credit card transaction at XXXX XXXX  that that EVERI XXXX was the reporting company for collection. 
I contacted XXXX XXXX, who verified that this was verified as fraud and charged back. They also said this was between XXXX XXXX and Everi- not me the consumer. 
Everi did not fight or dispute the fraudulent transaction / chargeback, but sent my information to collections knowing full well that this was identity theft / fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX To whom it may concern : We are requesting guidance in our efforts to lower our monthly payment in our Direct Unsubsidized Consolidation Loans. We began in XXXX -- well in advance of the government resuming collection in XX/XX/XXXX -- by contacting StudentAid.gov and Fedloan Servicing.

During several phone conversations, we received conflicting information, loan officers made inaccurate statements about our income, and at points, we were given estimates for repayment plans that we could afford, only to have those double, and, in some cases, triple, once the application was processed. It felt like a proverbial bait and switch. 
In early XXXX, we wrote to the Ombudsman office explaining our situation, hoping they could help. But again, through a series of very confusing emails, XXXX, our FedLoan customer service representative, has effectively made our situation worse than when we started. We are at our wits end and dont know where to turn. 
Our correspondence with the Ombudsman office is attached. 
We are married couple in our sixties my wife is XXXX-years-old and retired and I am XXXXyears-old and hoping to retire in a few years. We took out the loans to pay for room and board for our XXXX daughters who graduated from the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX They are paying back student loans as well. 
We have been paying back our XXXX XXXX XXXX faithfully since XXXX. We are not asking for special treatment ; we do not shirk from our responsibilities. 
Because my wifes income has been reduced over the past few years and too, because I am fast approaching my own retirement, we are seeking to reduce our monthly payment. Instead, FedLoan has punished us for our efforts, increasing our monthly payment in instead of lowering it. XXXX told us we could not revert to our original monthly payment of {$1300.00} even I we wanted to. We would have been better off had we never asked them for relief. 
We are trying to do the right thing but the FedLoan response has been arbitrary and punitive. We do not know where to go from here. 
Whatever assistance or guidance you can provide is greatly appreciated. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: GVA Holdings, LLC
State: PA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took a loan from " Northern Plains Funding '' for {$500.00}. The monies were credited to my bank account on XX/XX/XXXX. From XX/XX/XXXX, I paid a total to them of {$1500.00}. 
On XX/XX/XXXX, when inquiring about my loan balance, they " offered '' to refinance the " current principal balance '' of {$490.00}. I agreed, with the intention of lowering the bi-weekly payment amount. 
So from XX/XX/XXXX to XX/XX/XXXX, with bi-weekly payments of {$150.00}, only {$6.00} had been applied to the principal. 
Since XX/XX/XXXX, I have paid a total of {$1200.00}. That brings the total amount paid to {$2700.00} on a {$500.00} loan. 

I have since realized the online/payday/tribal loans are illegal in the State of PA where I reside. I have obviously paid this loan in full 5 times over- plus some.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
There was a hard inquiry from XXXX XXXX XXXX XXXX, KY XXXX XXXX on XX/XX/2017. I did not authorize this.

Company response to consumer: Closed with explanation