BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-13
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been enrolled in the Public Service Loan Forgiveness Program since XXXX. I have recertified my loans as required, and have never missed a payment. I am approximately 7 years into the program. Each time my loan splits into separate loans because of the maximum balance allowed, the payments are not updated. I recertified in XX/XX/XXXX, and am now showing only 10 qualifying payments. I have reached out numerous times and all but 10 of my payments since XXXX are under manual review. They have been under manual review for about 6 months. Each phone conversation I have has resulted in no advancement in the updating of my PSLF status. I am given vague answers with reasonable time frames to expect resolution, however my payments continue to be uncounted and my account remains outdated. I need this updated so I can plan when my loans are expected to be forgiven, and be sure I am being credited accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Debt collector did not send a dunning letter at all. Did not call me, made no contact before reporting this to the Credit Reporting agencies, XXXX, XXXX and XXXX. This is a violation of the California XXXX FDCPA. This is not the first time they have done that. Just a few months ago the CFPB helped me with the exact same situation with the exact same company who listed ten items on my XXXX file and XXXX on my XXXX file. They did end up deleting the items because I threatened to sue for damages and because of my complaints to this agency as well as the XXXX, FTC and the XXXX Attorney General. 

It seems they 're back at it again. This is a rogue company that does not abide by XXXX State Consumer Protection Laws. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: CITIBANK, N.A.
State: KY
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX 2015 Citibank charged over {$5000.00} to a local merchant. The merchant did n't use my name, number, security code or zip code. I called Citibank as soon as I saw the statement and was told they were closing my card, filing a fraud investigation and issuing a new card. I contacted the merchant, who was extremely confused, for the reasons stated above. Fast forward to XXXX 2015 when Citibank STILL wo n't remove the charges, and wo n't tell me why. Every time I talk to them, it 's " XXXX business days '' ... the merchant has attempted several times to run it thru as a credit to be posted, but Citibank does n't accept it. I am at my wits ' end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-21
Company: CountryPlace Acceptance Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Original mortgage joint loan and joint ownership. One party XXXX XXXX XXXX. Mortgage company was notified and sent copy of death certificate. I was advised no need to refinance because I was already on the loan. Invoice had the XXXX person listed on it and I requested this changed to my name. They refused. Today I received an escrow check made out to the person that XXXX instead of myself. I have been making the mortgage payments, not the person who XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have initiated XXXX separate disputes with EQUIFAX for XXXX XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and EQUIFAX has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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: Problem with personal statement of dispute

Complaint:
I am writing because I am not getting any where with Transunion and XXXX in regard to an dispute. I begin writing these companies since XX/XX/XXXX in regards to inaccurate information being reported from XXXX XXXX Transunion XXXX and XXXX XXXX XXXX XXXX. XXXX  removed this account when I wrote them to dispute this reporting. This account is fraudulent and I have been unable to get any resolution from the Data furnisher XXXX XXXX XXXX XXXX XXXX XXXX. I even wrote the CEO XXXX XXXX at XXXX XXXX on XX/XX/XXXX. He didn't respond to my letter requesting an investigation into my frauded application. I contacted the XXXX XXXX XXXX XXXX XXXX team on XX/XX/XXXX and XX/XX/XXXX again no response. I've been writing XXXX since XXXX with no response so that why I don't understand how these credit bureau is getting verified, accurate and updated from my dispute. I can't even get a response back from certified and return receipt letter. I am no longer disputing this item and I am asking these credit bureaus that the dispute verbiage needs to be removed immediately. I just don't understand why I am being ignored from both off these companies. I am buying a house and this is causing issues with my pre-approval. Furthermore XXXX  and Transunion is reporting wrong information on my credit report. I also wrote letter to CT Attorney XXXX XXXX again no response from them.

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 2016-01-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My mother added me to her Wells Fargo MasterCard account as an authorized user in XX/XX/XXXX. I never received a card of my own or ever used this account. In XX/XX/XXXX m mother filed a chapter XXXX BK after being laid off from her employment. She however, failed to remove me as an authorized user from this account before filing. Wells Fargo has reported this debt on my credit report since XX/XX/XXXX and continues to come after me for this {$15000.00} balance. I have made several attempts to have WF remove this negative TL from my credit report but they tell me that their records show that I am the primary account holder and that I owe this debt. They are wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I contacted Wells Fargo Mortgage on XXXX XXXX, 2015 to refinance my home. After wasting excessive time gathering the necessary paperwork, receiving and sending at least XXXX e-mails, receiving and sending countless phone calls, by the beginning of XXXX 2015 closing had not taken place. After I submitted all the documentation I was asked to provide, paid an appraiser {$400.00}, and paid {$25.00} for credit reports, Wells Fargo Mortgage made me go to a closing appointment that did not take place because the attorney did not get the loan officer 's okay to close. 

When I spoke with the loan officer about refinancing my home, I requested for the closing costs to be included in the loan amount. The same loan officer sent me XXXX Rate Lock Agreements, XXXX dated after the other XXXX. I noticed there were closing costs, on a separate field, in excess of the loan amount. I spoke with the loan officer 's supervisor and explained I had instructed the loan officer to include the closing costs into the principal loan amount. Instead of the supervisor responding to me, directly, he forwarded somebody else 's answer. After I made several inquiries regarding the closing costs still appearing, the loan processor informed me the closing costs were to cover a year 's worth of the homeowners ' insurance premium. 

After I was given this information, I realized the loan officer took it upon herself, without my consent or notification, to secure a homeowners ' insurance policy with a different insurance company. Apart from the loan officer 's unethical behavior, the premium would have been {$500.00} higher than the insurance company I chose and which I had started making payments in mid XXXX. 

Besides the erroneous additional closing costs, the loan amounts changed, within XXXX day, in excess of {$2000.00}, even though I continued to make mortgage payments on time. 

Wells Fargo Mortgage never gave me a reason for the delay or the inability to close on the loan. During this process, I was addressed in a disrespectful manner, on several occasions, by the loan officer. Because of the loan officer 's actions, I was compeled to send her a rude e-mail complaining about her attitude toward me. The loan officer responded by leaving me a voice mail message threatening me to file a complaint, against me, with Wells Fargo corporate office. 

I sent an e-mail to the loan officer 's supervisor cancelling the refinancing process. Additionally, I sent a complaint letter to XXXX XXXX, with Wells Fargo Mortgage Board of Directors, on XXXX XXXX, 2015, explaining everythingwhat had taken place. 

Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01
Company: Navient Solutions, LLC.
State: MN
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:
Navient 's subsidiary company, Student Assistance Corporation, made unethical and unecessary calls to XXXX of my neighbors, daughter, and siste all on the same day thereby created fear and humiliation for my wife and family

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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/2020 I sent a letter regarding inaccurate and unknown information on my credit report. I also sent a second letter on XX/XX/2020 Its been 60 days, I've prepared yet another letter and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. In section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove them from my credit report. I demand that these accounts be promptly deleted or I will file for litigation due to the ongoing stress you've caused me. As a courtesy I have listed the inaccurate accounts in question below : Transunion and XX/XX/XXXXXXXX XXXX 1. XXXXXX/XX/XXXX XX/XX/XXXXAcct # XXXX 2. XX/XX/XXXXAcct # XXXX 3. XXXX Acct # XXXX XX/XX/XXXXXXXX XXXX 4. XXXX XXXX XXXX Acct # XXXX 5. XXXX XXXX XXXX Acct # XXXX 6. XXXX Inquiry on XX/XX/2020 7. US SM BUS ADMIN ODA Inquiry on XX/XX/2020 Please remove these items from my credit report. They are displaying false and misleading information about 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 2016-10-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are currently trying to sell our home. Because the house is underwater, I contacted Wells Fargo for some type of assistance for ways we can sell the home. The tentative buyers are offering {$130000.00} and the amount owed on the house is {$140000.00}. I was told nothing can be done but a short sale which will take 6 months to complete. If I can not afford the home on this date, how can I afford the home six months from now. I urged them that I had a buyer now and could not afford the difference of what was owed and how much the buyer was willing to pay ( {$10000.00} plus realtor cost ). I also relayed that I can not afford making monthly payments which if I stop I will not be eligible for short sale. Any suggestions are 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 2015-12-02
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Although proper insurance information was provided on multiple occasions for our mortgage loan on a townhome we own, Ocwen forceplaced insurance. This exact same situation took place back in XX/XX/XXXX where we provided the information XXXX times and had to file a complaint with the CFPB in order for Ocwen to cancel the forceplaced insurance. Back in XX/XX/XXXX, we were told this would not be an issue going forward. Not only is it an issue but our HOA did n't change insurance agents so it makes zero sense that they would need new insurance coverage as our current coverage was in effect still. 

On top of that, the forceplaced insurance binder they provided in our letter dated XX/XX/XXXX has effective dates of XX/XX/XXXX to XX/XX/XXXX. If it was for last year why on earth would they be sending it now? If it 's for this year, why have they not used the information that we have provided to them on multiple occasions? 

Ocwen is an embarrassment to the banking and mortgage industry and clearly has not taken the needed steps to address the previous complaints and enforcement orders. As a Certified Regulatory Compliance Manager for a FDIC regulated community bank, I am absolutely disgusted by the actions of Ocwen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I apply for a Mortgage Loan, I received Underwriting approval with 3 % down payment on a conventional loan. All of the sudden the bank ( Franklin American ) told me I will need XXXX % down payment. They know I ca n't come out with that money because they have my bank statement. 

I am sure they did not like my loan maybe because of the area i 'm buying my house ( the dont want to lend money on that area ) my income or because the seller lost his house in Federal Court. Or maybe because I am pregnant and somehow they find out that. The Bank ( Franklin American ) allegedly found out the seller had criminal charges that ' why He/She lost the house through court process but what does it has to do with me? Seller/Reciever cancel the deal and I lost my deposit, appraisal fee, re-inspection fee, and I paid for some repairs the bank requested. I have suffered emotionally, financially and physically due to the amount of stress the loan process gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Dear Consumer Financial Protection, Approximately around two months ago, I opened a checking account with SunTrust Bank in XXXX, GA. After shopping around, I decided to go with SunTrust as they had a good reputation and I like the products they offered. I opened a checking account and decided to get the SunTrust XXXX XXXX Debit Card. I was told that as long as I have deposits of at least {$2000.00} per month, I would not see any monthly services fees. I noticed fees in the past couple months from SunTrust. XXXX was a {$75.00} fee and the other was {$25.00} each. After questioning the bank, I had the {$25.00} fee refunded and was explained that the {$75.00} fee was a XXXX time fee for the XXXX Debit Card. A couple weeks later, I noticed another {$25.00} fee and when I went to the bank to question it, I was told that this was a maintenance fee because I have Signature Advantage Account which requires a daily balance of {$25000.00}. I was then informed that the Select Checking was the account that I should have gotten where the fees were waived for having the the {$2000.00} deposits per month. I was informed I would loose my XXXX Debit Card if I switched. I believe this to be unfair as I was n't told about these fees and the reason I chose SunTrust to begin with was the XXXX feature. I ask that the CFPB please advocate on my behalf so that SunTrust and I can come to an reasonable agreement.

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 2021-01-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I requested a security freeze on 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 non-monetary relief
Consumer complaint received 2021-01-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have recently checked my credit and it seems unauthorized credit attempts are on my credit report. I am showing from a XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX  XXXX XXXX Thd/ cbna XX/XX/2020 and XX/XX/2020 XXXX XXXX  XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 Macys/DSNB XX/XX/2020 also these phone numbers have been calling me about my credit 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 2020-03-18
Company: Experian Information Solutions Inc.
State: CA
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 am filing this report because today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. The way I found out was that I went to apply for a XXXX  credit card and I did not get approved due to these two accounts in negative standing appearing on my credit report. The accounts are from XXXX XXXX and XXXX XXXX. I did not open those accounts nor have I ever opened an account with those companies. I did not allow anyone to open those accounts in my name and I do not and have never had a written/verbal contract with either of those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report and a complaint with the consumer financial protection bureau.

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 2015-05-14
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have been asked to send a letter disputing a charge from XXXX FL for {$33.00} on XXXX/XXXX/2015. I did not authorize this transaction or signed any receipts. I can say I was at such place and have been there before but this transaction was not made by me. I put my card down for purchases but did not purchase anything. Please credit account ASAP. 
A concern I have is that I was never notified of denial of dispute. If I would not called today then this dispute would have never been resolved. I was told the reason it was denied it was because " I did not provide any documentation ''. Also I never received any paperwork in the mail. Well there is nothing to provide since I did not sign any receipts. You guys ca n't just go around denying customers claims and thinking nobody will call back and in this particular case deny it on a basis that it needs documentation from me. What happens if the customer does not have any documents you just deny the claim it sounds wrong!!! Somebody is not doing his or her job correctly and this needs further investigation. How about calling the merchant and asking them for signed receipts!!! Why do n't you do that? I did not do any pin confirmation either. Talk to the person who did the dispute and I think this is the person that needs to be looked at. I do n't ' think this person is doing his/her job properly. Maybe is time to let this person go because is causing customers accounts to be closed. 
I want my credit on my account. If I do n't get a credit I will close it and further complaint to the XXXX, FTC, and CFPB and let them investigate your practices and maybe they will find out you are not following proper rules. I will raise hell if I believe you are not handling my account correctly. I will make sure somebody is accountable. You are messing with the wrong person when it comes to my account. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief