BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-21
Company: Affiliated Management Services
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2016 through XX/XX/2016 I received a set ( 8 sessions as outpatient ) of XXXX XXXX XXXX ( XXXX ) at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OK XXXX Dept. Phone # XXXX Main Phone # XXXX Back then I had a health insurance through " XXXX '' ( Through my wife employer ). I personally paid all the hospital 's bills ( co-pays ) for each session. Then I have been harassed by " XXXX XXXX XXXX XXXX XXXX '' to pay 2 XXXX bills of : {$1400.00} and {$870.00}. So I returned back to both " XXXX '' and " XXXX XXXX XXXX '' ( where the procedures/treatments took place ), both informed me that I should Not pay separately for the XXXX as my co-pays from the hospital included every thing. Both Hospital and the insurance company assured to me many many times that XXXX was taken care of through the insurance company and the co-pay bills which I paid all in full. Nevertheless the " XXXX XXXX XXXX XXXX XXXX '' insisted to impose the bills which exceed the whole 8 treatments co-pay bills. Now these 2 bills have been passed to a collection entity called " AFFILIATED MANAGEMENT SERVICES '' which severely affect my credit report ... .Why would I pay separately to another ( contracted ) entity for a service provided by XXXX XXXX XXXX ? .... " XXXX '' is a huge medical provider, there is no logic for XXXX to let its contractors ( out sourced ) to bill directly the patients especially XXXX assured to me that these bills are not legit while the insurance company assured that they took care of all that and I am not supposed to receive bills from " XXXX XXXX XXXX XXXX XXXX '' ..Please help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have tried and been lied to about my student loans, I have not worked since XXXX till now, we did our XXXX income tax and the XXXX XXXX XXXX XXXX took our federal refund ... .I have never been told or received any information on them taking anything ... They took it from my husband we have the form to get it back. Also we received a letter from Navient post claim assistance and XXXX on XXXX XXXX, they have stated they can take all m XXXX, I am n had health, so they said there going to take my husbands, even though I have spoke over phone, wrote to them he never signed or told anyone he would cosign for me. They were told, also this company is not the only one, I Sent money for a year because it i would for one year Navient and XXXX would send me all paperwork to get into the program to be free of all student loans. Ok, after that FTC sent me a check from XXXX and then XXXX University sent me two separate mailers that were notarize from state that they XXXX University paid all my student loans.I am tired Sallie Mae, Navient and many other companies, I with different amounts they say I owe. I do not owe, listen don't just do this for me, do it for all the others they need to get off this roller coaster, I will, i had a XXXX XXXX on the XXXX of this month, so maybe not much longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
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:
I was attending XXXX XXXX XXXX when they closed in XX/XX/XXXX. I was then approved for a loan discharge in XX/XX/XXXX ( letter attached ) and it states that with a loan discharge ALL CREDIT HISTORY OF THE LOANS WILL BE DELETED. I've sent multiple disputes to Navient and each credit bureau that's STILL reporting and they REFUSE to remove them.

Navient has reported them as defaulted and/or paid as agreed and that is NOT what it is. They have been DISCHARGED!!! NOT paid as agreed or defaulted. I've called them several times about this. I even spoke with someone who said they should've been deleted since they were approved for a discharge. The letter they sent even said they will they will notify the consumer reporting agencies to have them removed. They've yet to do that.

They are fraudulently reporting them as something they shouldn't be reporting as. I've asked them to change the status from DEFAULT/PAID AS AGREED to their true status of DISCHARGE and they refuse to. They constantly say they are reporting them correctly when they aren't.

This needs to be resolved AS SOON AS POSSIBLE.

I've attached the LOAN DISCHARGE APPROVAL LETTER, the letter from them saying they are reporting correctly ( as they are NOT ), and a copies of my credit report that show where they are still reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Im have financial difficulties at the moment and I have been trying to fix my credit and pay off my bills, also trying to refinance my car. please remove any bad reporting on my report. I intention is to pay off my balances. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I just recently started getting calls from this company, when they call they do not identify the company they work for and they do not tell me what they are calling for they just say debt. I am at work when they call, I asked them on XX/XX/18 to cease calling me and to make all attempts to contact me cease. I have not gotten any letters for collections owed in the mail and i have lied here for 5 years. They keep calling me, repeatedly and I am now making this a formal request to cease contacting me, I will make complaints with the XXXX and the FTC if this keeps going on.

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 2020-07-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
The complaint is about PayPal , Inc . 
On XXXX XX/XX/2020, Paypal debited my bank account for the amount of XXXX for delivery of certain goods. 
The goods were not delivered and my emails to the vendor were remained unanswered. 
On XXXX XX/XX/2020 I filed a complaint to Paypal informing them that the goods were not delivered and no response from vendor had been received. 
On XXXX XX/XX/2020 Paypal informed me that they have contacted the vendor but not received any reply. I filed to Paypal again to escalate my complaint. 
On XXXX XX/XX/2020 Paypal informed me they have contacted the vendor. 
On XXXX XX/XX/2020 I provided copies of my emails requests ( all left unanswered by seller ) to Paypal. 
On XXXX XX/XX/2020, Paypal provided a webllink XXXX XXXX XXXX XXXX XXXX alleging the goods were delivered. 
Since XXXX XX/XX/2020 till now, I have checked the alleged website, there is no email address for contact and there is no online form for contact either. Then repeatedly, I have asked Paypal through online message cerntre to provide me a proper email address for the alleged shipping company so I could contact, as of now Paypal has refused to do. I have also requested Paypal to provide me with details of its regulator, and Paypal again has refused to do. The website of Paypal says I can request print copies of online messages - I have requested print copies of messages to be sent to me and Paypal has refused to do and hence has false and misleading information on its website. I have also filed complaint about the Paypal conduct through their website since XXXX XX/XX/2020 and they have not replied. Today, XXXX XX/XX/2020, they sent me a message through their message center saying they can not do anything. I am filing complaint against Paypal for ( 1 ) charging my account but not delivering the goods, ( 2 ) refusing to provide proper email address for communication with them and/or with the alleged shipping entity, ( 3 ) refusing to provide me print copies of my online messages to them, ( 4 ) refusing to provide me details of their regulator for me to file a complaint against them, ( 5 ) refusing to answer to my specific questions but trying to frustrate me and waste my time through their online messaging center which they refuse to provide me copies and there is no mechanism on their website for printing the messages. 
If you require any other information, please do not hesitate to ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: National Enterprise Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
We have sent several certified letters and emails requesting payoff amounts, proof of fees, history of payments and other pertinent information. 

NES acknowledges receipt of requests but will not respond or even provide any useful or relevant information in writing. 

The one form letter/statement NES sent left more questions and problems than answers and it did not respond to any of the concerns we inquired about, like the allegation of there being more than one account.

They have said several times that they can only communicate by telephone and thus provide no written records.

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 2018-08-28
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a derogatory mark listed on my all 3 of my credit reports listed by a company name of XXXX XXXX XXXX. I do not and have NEVER had a contract signed with the listed company. According to my credit report the company is a third party collection agency for XXXX XXXX. By Law a third party company can not collect on a debt that is not belonging to them, so therefore it is requested that the debt listed in the amount of {$850.00} be removed from all 3 credit bureaus immediately. The company has failed, lacked to provide documents of the validity of the debt with their office and being that they can not provide a validity of the debt with them XXXX XXXX XXXX, the debt must be removed along with all call to cease!! I do not have a contract with XXXX XXXX and as a third party collector they can not collect a debt that is not owed to 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 2021-01-20
Company: Chime Financial Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I issued a payment from my online bank account with Chime to a medical provider, XXXX, on XX/XX/2020. XXXX has advised they are unable to locate the payment and require a copy of the cashed check in order to investigate the issue. Chime has advised me the check was cashed on XX/XX/2020. 

I have contacted Chime on numerous occasions for over a month now requesting this check copy and I continue to be bounced around. Today my husband briefly spoke with a supervisor only for the supervisor to claim a check copy can not be obtained - in contrary to what was previously told to me over the last few weeks - and then the line was disconnected ( and Chime made no attempt to call me back ). 

I now need the assistance of CFPB to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home was purchased as a new construction in 2019 for {$440000.00}. Due to resales in the community that indicated that the values of the homes have increased dramatically, I made a request to my mortgage holder, Firstbank to have my home re-appraised in an effort to have the PMI removed. In an email to senior management at Firstbank, I confirmed that my home would have to appraise at {$480000.00} or higher to remove the PMI ( attached email ). I paid for the appraisal and it was performed by an appraiser chosen by the bank and/or XXXX XXXX. While the appraiser was performing the appraisal, he took notice of all the updates and upgrades I did and mentioned several times that the house would easily appraise at about the XXXX to XXXX amount. 
The attached appraisal came in at XXXX and oddly did not include all the upgrades I did and did not include the recent home sales in the new community I live in. Nonetheless, it did exceed the {$480000.00} amount needed to remove the PMI. 
Now Firstbank sent me an email stating that my loan is ineligible to have PMI removed ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Experian Information Solutions Inc.
State: LA
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:
On XXXX XXXX I sent a letter to XXXX XXXX XXXX   Experian, XXXX  and XXXX Disputing a debt in the amount of XXXX. All letters were sent Certified return receipt. As of this writing, I have not received one letter from XXXX. ( 5 ) months. I called multiple times and was transferred to ( 3 ) Collection agencies that could not find my account. I strongly maintain that I do not owe XXXX XXXX XXXX XXXX dollars. 

Letter 1 XX/XX/2018 Letter 2 XX/XX/2018 Letter 3 XX/XX/2018 Letter 4 XX/XX/2018 Letter 5XX/XX/2018

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 2018-08-28
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off lease # XXXX for purchase in the Name of XXXX XXXX  on XX/XX/XXXX. The Lease is through GM Financial. The Lease was for a XX/XX/XXXXXX/XX/XXXX serial # XXXX. This was a lease in my mother 's name. As she entered a XXXX XXXX and we rearranged her finances, I decided to pay off her lease and purchase the car for my own use. Since the payoff I have repeatedly attempted to obtain a title. To date I have faxed the odometer statement and titling instructions a total of 4 times and to 2 different # 's supplied to me by GM Financial Representatives. I call weekly and every week there is a new excuse. First they don't have a fax, then they have the faxed odometer statement, but not the titling instructions. Both documents have been included in all of the faxes sent, and I verbally communicated and faxed ( 4th fax of the same docs. ) titling instructions on XX/XX/XXXX. It is now XX/XX/XXXX and I am on hold again after insisting that I speak to a supervisor and faxing the same documents to her direct fax line. This is my 5th Fax transmission all from a business fax line that sends as many as 100 faxes/day. She has purportedly called the Titling department to and passed the documents to them. However she has informed me there will be a 3-5 day delay for " processing '' : I feel at this point, that this is a pattern of behavior with the objective of holding the title after receipt of the payoff in order to make the asset side of their balance sheet reflect a more positive number. When one works the numbers conservatively, if GM Financial is successful in holding titles for 25,000 units at an average payoff amount of $ XXXX for 30 days it is a $ XXXX addition to the asset side of the balance sheet. This is called working the " Float '' and GM Financial appears to have it down to a science.

The length of the title transfer process of GM Financial needs to be looked into by the the CFPB and punitive actions should be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Wrongful Foreclosure : Mr. Cooper foreclosure on XXXX XXXX home located at XXXX XXXX XXXX XXXX, CA XXXX on XX/XX/XXXX. 
Ms. XXXX filed Bankruptcy Case # XXXX on XX/XX/XXXX ( Exhibit A ) Ms.   XXXX was informed by Mr. Cooper and confirmed that the foreclosure sale date scheduled for XXXX XXXX, was stopped due to the filing Chapter XXXX Bankruptcy on XXXX XXXX. ( Exhibit B ) On XX/XX/XXXX a representative from XXXX XXXX XXXX spoke to Mr. Cooper loss mitigation to check on the status of the loan : Called the lender. XXXX called Lender ( XXXX ) XXXX. I spoke with XXXX and XXXX in the foreclosure department. He said that the home sold on XX/XX/XXXX. I told him that we have a letter from them stating the the sale was postponed due to bankruptcy. XXXX then said he would transfer me the Bk dept. 

Spoke XXXX in the Bk dept. She also said that the home sold on XX/XX/XXXX. I mentioned the letter but she said she could not do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not have a signed contract and or knowledge the company Receivables Performance Mgmt which also goes by the name of RPM. The mentioned company has placed a debt collection as a derogatory mark on my credit as a third party debt collector agency for XXXX XXXX. The amount shown to be owed is {$540.00}. It is against the law to collect on a debt that is not associated with the original collector and RPM has failed to provide documents that show I had a contract with them! and being that they are not able to provide the documents for the validity of this debt they have to remove the debt and I am requesting that it is removed immediately! I am not responsible for this debt and would like it to be removed from any credit bureau that it is shown. I have repeatedly received threatening correspondence related to this debt but no validity of the debt!! If the debt is not removed from all 3 Credit Bureaus as requested I will be seeking a lawyer as the debt is erroneous and not owed to RPM

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 2018-08-28
Company: HW Holding, Inc
State: HI
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:
XXXX has the following information on my credit report and it is not correct : Has a past address of : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never lived in Texas. 

Shows a late payment account from : XXXX XXXX This has never been late. 

Hunter Warfield , Inc . 
This account does not belong to me. 

Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Received call from ERC in Minnesota at XXXX at XXXX XXXX on XX/XX/2019. Individual 's  name was XXXX XXXX (? ). Asked me to verify my address. I told him I would not verify my address until I understood why he was calling. He asked me again with a threatening tone, and I refused again, and repeated this until he asked me if " I was scared to give out my address - it was public information '', at which point I hung up. I called the main ERC number and was able to resolve the issue and find out with what company I owed the debt ( XXXX XXXX  ) and for how much {$26.00}. XXXX 's behavior was extremely inappropriate.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I deposited {$500.00} in XXXX on a site called coinbase.com. 

Now I cant access my account it lets me login then it doesn't load anything and is unresponsive an has been doing it for weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Caliber Home Loans, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent the following letter to Caliber on XX/XX/XXXX without a reply. Prior to the letter I attempted to call customer support and was put on hold until the call was terminated. In addition, I sent 2 messages via the secure messaging system at Caliber 's website on XXXX and XX/XX/XXXX with no response prior to sending this letter. I have not received a reply to any of my communications. 

The extra payment has been partially credited to principal and it looks like partially held in escrow. My wish is to use the extra payment as an extra payment so I can skip one months payment rather than have it credited to principal and " cash '' XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX XXXX XXXX XX/XX/XXXX Caliber Home Loans , Inc . 
XXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX XXXX : loan XXXX Dear XXXX   XXXX, My loans have been double billed. 
My loan was sold to you. I made my payment for XXXX to you and my account was still debited by XXXX resulting in my paying twice for the month of XXXX. The loan numbers and amounts are as follows. 
XXXX {$1700.00} XXXX XXXX XXXX XXXX, XXXX XXXX Or XXXX This represents an over payment of {$1700.00} and as you can imagine is a hardship for me to bear this overpayment. I would like the extra payment to be applied to next months payment. I would like to skip my payment for one month and have the extra payment applied to XXXX. 
I contacted you twice via secure messaging at the Caliber website, with no reply.. 
RSVP Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation