BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-20
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My lender is have not shown the ability to be sensitive to my financial hardship. I shown I am willing to pay, however, the have constantly gone up on my payments to now XXXX a month I am unemployed and can not simply afford that much. I regret ever taking their terms and I want future students to know rates and terms of each loan they are borrowing, I would strongly suggest do not take private loans out for education. Please I am in dire need of help. I recieved the Lon at XXXX college in XXXX, ca.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been trying to work with AES since XX/XX/XXXX ( as soon as I found out this loan was in repayment ) to reduce my monthly loan payment in order for me to get caught up. At the time, I was in between jobs and moving back in with my mother to try and get ahead. I had explained this to AES several times and submitted all documentation for a deferment 4 different times between XX/XX/XXXX and XX/XX/XXXX. Every time I would submit required documentation they would say that their processing department was behind and that I should call back in a week to check the status. Then, when I would call back, the person on the phone would tell me too much time has passed and that I would need to submit a new deferment request. During this time, my late fees and balance were continuing to grow. Now, XX/XX/XXXX, I am still calling to try and make small payments to get caught up and they refuse to work with me. Every person I speak to on the phone is extremely rude and will not help me in resolving this matter at all. It has completely ruined my credit at this point, and I do not know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I cancelled my American Express card after they allowed a third party to bill me for a transaction that they should not have been able to bill me for - despite overwhelming evidence that AMEX should not have billed me, and after assurances that they would not allow that billing to happen. After lengthy debate with the third party - that party removed the charge - however, as AMEX had failed to protect my assets ( after acknowledging that they have had hundreds of complaints about the same company for the same reason!! ) I maintained my position with regards cancelling my card. I have requested an ACCURATE, up to date bill from AMEX several times - to date - they have not provided one. I have written to XXXX XXXX himself 3 times to try and get a resolution - this is still not resovled. 

The issue is that after 30 days they have started calling my work - despite several requests for them not to - again, in writing and directed to XXXX XXXX himself. They have my cell number but insist upon calling my work to demand settlement of a bill they have not even tendered accurately.,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Caliber Home Loans, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After several emails and phone calls, Caliber home loans gave me a SPOC to speak to only 1 representative to get my account straight. The extension they gave me was XXXX and XXXX was my Singe point of contact,, After being disconnected twice, XXXX employee number XXXX answered the call.. He did not know of any XXXX working that day. I have asked numerous times how many payments did I make during XXXX XXXX. Simple question, but nobody will give me answer, because the loan was transferred several times. I was behind on payments and to avoid foreclosure, I paid in excess of {$62000.00} in XXXX 2016. According to Caliber I was XXXX payments behind, but I never received credit for the payments I made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
On XXXX/XXXX/15 I authorized a charge of {$3300.00} to my American Express card to be paid to the merchant XXXX for the cross-country transportation and delivery of a container of household goods. On the contracted delivery date of XXXX/XXXX/15 the merchant failed to deliver the goods due to an error made by one of their employees ; the container was delivered to the wrong location. I contacted AMEX, told them the goods were not delivered, and that I wanted to dispute the charge. AMEX then issued a credit to my account. AMEX apparently also reversed their original payment to XXXX at this time. 
On XXXX/XXXX/15 XXXX delivered the shipment to the correct location. I then contacted AMEX, told them the goods were delivered, and to remove the dispute from my account. However, I noticed in the following days that the charge did not reappear on my AMEX statement. I contacted AMEX multiple times over the following weeks regarding the original dispute. Each time I was assured by a representative that the merchant XXXX had been paid, that the dispute was marked as resolved and closed, and that the charge would appear on my next statement. 
On XXXX/XXXX/15 I received a notice from a collection agency stating that I am responsible for paying their agency {$3300.00} for an unpaid debt to XXXX. I contacted AMEX XXXX/XXXX/15 and spoke to a supervisor. This AMEX employee stated that AMEX never paid XXXX after I removed the dispute -- their error. 
The problem remains : Who should AMEX pay -- PODS or the collection agency, and who will pay the ever-increasing penalties?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed in 2013 for a modification of my mortgage loan with Bank of America Home Loans. I have completed numerous applications which were lost or said to be incomplete or never received. I supplied proof of all applications being received either by XXXX or fax from one of BOA 's branches. Thus, I sought help from XXXX and now XXXX, CFPB and XXXX XXXX XXXX XXXX. THE MOST RECENT WAS information SHOWING on the DEED that this LOAN IS INVALID ACCORDING TO THE RESTRICTION IN PLACE. I sent a complaint also on XXXX. Upon receiving the information on my original deed, XXXX XXXX released my 2nd mortgage with a full lien release. BOA knowingly deceived me by continuing to send letters stating they needed more time to research the matter. BOA, then sold my loan to XXXX. I notified XXXX of the dispute that was still ongoing with BOA and supplied them with a copy of the certified Lien release from XXXX XXXX XXXX XXXX. In working with XXXX XXXX, XXXX are using the same tactic as BOA and have now been researching the matter for several months with no conclusion. My Complaint is against Bank of America for not releasing and invalid loan and making a sale to XXXX while we were in dispute, XXXX ( FHA ) for allowing the sale after I notified them ( XXXX XXXX ), which is wire fraud and XXXX for going forth with the sale after I notified them.. See case numbers Cfpb XXXX for Deed restrictions, lien release copy from XXXX and contact information on Director 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 2022-08-04
Company: Experian Information Solutions Inc.
State: NV
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 recently looked at my credit reports and noticed the following unauthorized hard inquiries : Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-09-29
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM
Product: Payday loan
Issue: Can't contact lender

Complaint:
I was a victim of fraud due to information being received from a scammer utilizing XXXX. I have contacted ace cash express and have spoken to the correct company that has my loan. Unfortunately, I have attempted to gain contact to these individuals and filed a complaint with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The servicer, Rushmore Loan Servicing is stating that the investor wants {$25000.00} down payment before they will modifiy the loan for a three month trial period. It was declined when we could n't come up with the payment we offered to spread out with the trial period payments. Initial down payment we could do was {$5000.00} that was declined. Then we offered {$15000.00} down payment to be spreadout in three month with the trial period payment. XXXX, who is the contact representative with Rushmore said she spoke to her supervisor's-supervisor and said that the investor said no that they need the entire {$25000.00}. My Home is currently in foreclosure and assigned to there Attorney. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Guidiville Indian Rancheria
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by phone by a man who said he was calling from a law office, and that they were collecting on a loan that I owed to Multiloansource.com. He said I owed {$600.00} on the loan, and with late fees over time, I now owed {$1300.00}. But then he said that he would work with me, and that if I paid {$330.00}, within 24 hours, then that would settle it. 
I did have a loan from a few years ago, and I did have as dispute with the lender, because they took more debits than they were authorized for, and so I did not pay them anything else, but had paid back much of the loan. I am not certain if the loan was with multiloansource or not, and I could n't find documentation to support that they were the lender I used. I have also gotten a lot of other calls from other debt collectors who say I owe on a payday loan from online, and they all had things they said which made me think it was a scam. 
When I asked for information to be sent on the documentation of what was owed in writing, they said they could n't send me anything by regular mail, but that they could send something by email. They already had my email address, which I thought was strange. They also never identified themselves as to what company they were with until they sent the email which appeared to be sent from XXXX XXXX XXXX. The email was just a Word document saying that I owed the debt, but not any proof. I also recently learned that internet loans are void in my state, so I do n't know how they would freeze my assets, contact my employer and garnish my wages, as they said they would do. They said I had 24 hours to respond or they would take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Thaxton Investment Corporation
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This woman from a finance loan company calls my phone 3 to 5 times EACH day. If anyone else answers my cell, she tells them my business, telling people I do n't work, threatening to show up at my home. This is clearly a case of harassment. She has actually showed up at my home. Yes, I do owe a debt, but I 'm 60 days late. I 'm going through bankruptcy, but she still continues to harass me and my family.

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 2015-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have tried numerous times to have my creditors review and update my credit information to no avail. I printed out all XXXX credit bureaus, credit reports and I 've also sent the disputes trying to update all my information and as of now my credit report is still the same I paid off all of my credit cards with revolving interest and the majority of my accounts with a large balance and I still have a low score. I 'm currently in the process of purchasing a home but I can not purchase my home with my credit score being so low. I sold my previous home in order to pay off all pending loans and credit card balances and no change as of yet. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I filed for divorced two year ago and my estranged husband knows my information created an Equifax without my knowledge or constant. Equifax never asked me or let me know anything. I just found out yesterday when I wanted to check my credit on Equifax and tried to make an account. It said an account was already made and it was his relative 's email address that was registered. Equifax would n't disclose the credit card number or name on the person who ordered. I am upset that anyone can pretend to be me and order my credit report without me ever finding out. I called all the credit agencies and put it on lock and fraud alert. I went to the police station and made a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello, we have contacted XXXX XXXX as well as the credit reporting agencies to removed the XXXX 30 days from our accounts, from my credit report as well as my husbands XXXX XXXX 's. It is a joint account. 
Our Issue is, We called in for a payment option. Ready and willing to make the payment on time that day. After speaking with one of the customer service members I called in. I was given the option to pay {$1900.00} on XXXX XXXX, 2016 and {$2900.00} for XX/XX/XXXX and XX/XX/XXXX. I was told that I would receive paperwork in the mail but that all I needed to be aware of was making the first payment on XXXX XXXX, 2016 so that the payment plan would not default. The payments have been made as directed and are not considered late. Though they are reflecting on our report as late. The agent did not advise us that by choosing this plan it would effect our credit score and or show up as late on our credit report or we would not have chosen this option. I feel it should be told to you by XXXX XXXX customer service who suggest this plan that if you do choose it t could negatively impact your credit report for 7 years. This would have drastically changed are decision towards this payment plan. When we called to explain to XXXX they said the representative would be reprimanded but they could not fix the error. We advised we were in the middle of a home sale and or refinance and something of this nature could drastically effect that. We have paid on time for 3 years to XXXX XXXX, never missing one payment. By choosing the option they suggested as a payment break up it now shows we are 30 days late not on time and completely effects our future situation on home buying as well as character. I feel it is fully unethical on chases part to not advise you of this when they are suggesting " Options. '' I am in the middle of a re-finance and can not move forward because of this negative impact on my credit score that was never disclosed to me when I accepted what the agent advised me on XX/XX/XXXX. Can you please remove this from our credit score? I Greatly Appreciate you taking the time to do this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with loan depot to refinance my ex Sistine loan with them They moved loan to conditional approval on XX/XX/2020 Any additional documents requested were provided. 

I contacted loan depots personal multiple times by email, message and phone. 

I have been given nothing but excuses as to why I havent had my refinance completed. 

My interest rate lock expired as well and they have refused to proceed a new one as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: U.S. BANCORP
State: MN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX someone performed a levy on my checking account for a debt that I did not owe. I took them to court over the levy, won and the money was refunded on XX/XX/XXXX to my checking account. 

Due to this being incorrectly levied against my account, I was charged a {$100.00} garnishment fee and incurred XXXX {$36.00} overdraft fees. 

On XX/XX/XXXX I called US Bank. The customer service people were very understanding and refunded me the overdraft fees. They informed me that the {$100.00} garnishment fee would have to be refunded by a different department and that they were currently closed. They gave me the telephone number for the Garnishment Department of US Bank in XXXX Oregon which is XXXX located at XXXX XXXX XXXX XXXX, XXXX, OR XXXX. The manager of the customer service line assured me that they would notate the account so that I would not have to explain the situation again. 

On XX/XX/XXXX I called the US Bank Garnishment Department in XXXX Oregon at approximately XXXX central. A woman named " XXXX '' answered ( she - when asked - would not give me any last name, employee number, name of a supervisor or any other identifying information ). XXXX told me that even though the money was garnished incorrectly that she would not refund the money. I reiterated to her that a judge had ruled it was a mistake and that managers of the US Bank less than 24 hours prior had authorized a refund and told me so. She said that no judge could tell them what to do and again refused to refund the money without even checking the notes on the account that was taken from me for a garnishment that was not mine and that a court found was not mine. 

We need the {$100.00} to buy winter clothing for our children and are victims of predatory fees for things that I had nothing to do with and for things that were not mine. I know {$100.00} may not mean much to many but it means a great deal to us. 

Thank you in advance for your assistance in getting this refunded.

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 2015-12-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2010, a rental car company in XXXX charged my credit card for a deposit against damages at XXXX rate of exchange and then debited my credit card at a different rate pocketing the difference. I attempted to resolve this with the merchant but to no avail ; when I disputed this with the credit card I was stonewalled, my written letters were ignored, and after repeated attempts to discuss with them ( XXXX XXXX ), I closed the account having paid all that was owed except for the disputed amount. I now find that despite my otherwise excellent credit rating, my FICO score is being dragged down and inexplicably affecting my insurance premiums. 
At the insistence of the credit card company, all dispute processing was done on line, therefore little supporting evidence is available. However, I am attaching the final letter that I wrote them concerning the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
A company called XXXX has filed a negative item on my credit report. I do not know who they are. I am not aware of any debt owed to them. I have demanded documents from them showing proof of a debt.

Company response to consumer: Closed with explanation