BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-25
Company: Aargon Agency, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX has been paying my insurance and i am not sure how these medical bills went to collection in the first place. I called the hospital and said that XXXX should have paid and they said they would not send to collections. I do not remember who i spoke to though.

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 2018-02-02
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I HAVE MY BANK ACCOUNT WITH WELLS FARGO BANK IN XXXX XXXX NEVADA. I LIVE IN XXXX XXXX XXXX AND AFTER 8 YEARS LIVING HERE I AM RETURNING TO XXXX XXXX MONDAY XX/XX/XXXX WITH XXXX XXXX. TONIGHT I DISCOVERED WELLS FARGO CANCELED MY DEBIT CARD AND NEVER EMAILED ME ABOUT TAKING THIS ACTION ... .MY MONTHLY CHECK IS TO BE DEPOSITED INTO MY BANK ACCOUNT BUT I HAVE KNOW WAY OF WITHDRAWING CASH FROM A BANK MACHINE HERE IN XXXX . 
I NEVER ASKED THEM TO CLOSE THIS BANK CARD DOWN ... THERE WAS AN ISSUE WITH XXXX XXXX CHARGING ME {$100.00} FOR AN UPGRADE TO MY TICKET AND I ASKED WELLS FARGO HOW TO CORRECT THE PROBLEM ... THEY SAID TO CANCEL MY CARD AS NOT TO HAVE A FRAUD ISSUE. I TOLD THEM " NO-WAY '' AND NOT TO PURSUE THIS THE PROCESS OF CLOSING THE CARD ... THEY TOLD ME OK ... AND VERIFIED MY CARD WORLD BE USABLE ... THEY LIED AND SHUT MY CARD OFF LEAVING ME STRANDED IN A FOREIGN COUNTRY WITH NO FUNDS TO TRAVEL WITH ... THEY OFFERED NO SOLUTION AND THE SUPERVISOR HUNG UP ON ME ... THEY COULD CARE LESS FOR THEIR MISTAKE ... 
2 YEARS AGO THEY DID THE SAME THING TO ME CLOSING 2 BANK CARDS DOWN ONCE AGAIN LEAVING ME STRANDED ... I AM SO FED UP WITH WELLS FARGO THEY ARE THE MOST ASININE BANK IN THE WORLD AND OVER MY LAST 4 YEARS OF BANKING WITH THEM HAVE DONE SEVERAL THINGS TO ME CAUSING HARDSHIP AND STRESS BUT NEVER EVER ANY SOLUTIONS TO THEIR INCOMPETENCE ... 
THEY NEVER HAVE THE SAME STORY OR INFORMATION TO OFFER UP FOR THEIR ACTIONS ... THE RIGHT HAND DOES NOT KNOW WHAT THE LEFT HAND IS DOING ... I CALLED TONIGHT SPEAKING WITH A CUSTOMER SERVICE AGENT WHO TOLD ME MY ACCOUNT HAD NO PROBLEMS AND ASSURED ME ALL WAS OK. I HAVE A PAYMENT DUE FROM A BUSINESS I MAY A MONTHLY PAYMENT TO ONLY TO DISCOVER THEY COULD NOT ACCESS THE ONLINE PAYMENT. AFTER CALLING WELLS FARGO 3 TIMES FINALLY I GOT THE STRAIGHT ANSWER ... MY CARD WAS SHUT DOWN ... BUT NO COMMUNICATION BY EMAIL OF THIS ACTION ... THEY HAVE NO PROBLEM EMAILING ME FOR STUPID STUFF BUT ANYTHING SERIOUS ... NOTHING!!! 
WELLS FARGO IS NOTORIOUS FOR BAD SERVICE AND CHARGING FEE 'S TO RIP OFF THEIR CUSTOMERS MAKING BILLIONS ONLY TO PAY A FINE AND FIND THE NEXT WAY OF REPEATING BAD SERVICE AND SCRUPULOUS CONDUCT BEING GREEDY AND JUST PLAIN THIEF 'S ... 
UPON RETURNING I WILL CLOSE EVERYTHING DOWN BUT THEY NEED TO BE HELD ACCOUNTABLE FOR THEIR MISTAKES AND ACTIONS AND LACK OF CONCERNS ABOUT THEIR CUSTOMERS WELL BEING OR EVER TRYING TO GO THE EXTRA MILE BUY WIRING ME FUNDS WHICH THEY WILL NOT DO ... 
I AM LEFT IN AN EMERGENCY SITUATION ... AND THEY CARE LESS ... DESPICABLE TO SAY THE LEAST ... XXXX OFF IN XXXX TO SAY THE LEAST!!!

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 2019-01-25
Company: EQUIFAX, INC.
State: FL
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 have several accounts on my credit report that do not belong to me : XXXX  : XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$230.00} {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$170.00} {$170.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Other Collection Agencies {$57.00} {$57.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$1900.00} {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous All Others {$0.00} {$0.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-10
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
it was XXXX i went to XXXX  . cashier told me it was big discount when i opened XXXX account. she told me a lot of things. and i open XXXX  account. make short story i did not get discount. i used XXXX account and paid on time. one day i got mail. it showed me {$340.00}. i called XXXX. i talked to someone. she told me they gon na send me another bill. i never get bill until XXXX i got bill from midland fund. it showed me {$880.00}. i called them they did not treat me well. the guy told me i have to pay. other wise we will send to credit agency. i was scare about it. i told him i do not want to messed up my credit. i started {$50.00} a monthly pay. but he send to credit agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Re : XXXX - XXXX - XXXX Initial PenFed representative lied to me, and eliminated an important Heloc option that was still available to me : Email from XX/XX/2018 : " Due to a high debt to income ratio, XXXX does not qualify for the 5/5 product. Please have XXXX contact us to advise how she would like to proceed. XXXX ext XXXX. '' - XXXX XXXX, Mortgage Loan Processor, MLO # XXXX Because XXXX XXXX started to ignore the rest of my emails and was never available by phone, I was forced to contact the Executive Team. The Executive Team connected me with XXXX XXXX, Supervisor, 2nd Trust Mortgage Operations, MLO XXXX. 

XXXX explained to me that the previous representative was mistaken. She told me that the product I initially applied for " 5/5 Heloc '' was still available to me. That I can opt in for it right away, and all she had to do was run a free appraisal report ( which she then sent to me ).  If I wanted a higher line, however, someone would physically have to come and inspect the property. A physical appraisal comes with a {$450.00} fee. 

Never once did she highlight the fact that after paying {$450.00} ( in an already distressed situation where someone came to Penfed looking for financial help ), that there's a risk of a denial for both of the initial products that were considerable options. 

To summarize : 1 ) Mislead me and tried to force me into a product I never even wanted. 
2 ) Corrected the previous mistake and offered me the initial product I applied for ( after hours spent on the phone and dozens of emails sent ), but recommended I pay them {$450.00} for an appraisal.

3 ) After paying the appraisal, denied me for both of the products that were offered as options. 

Left me with - {$450.00} in my bank account. And 2 unsatisfactory options that were never even discussed initially, and that I am not in the least bit interested in. 

If I had known in advance that paying {$450.00} opens me up to the risk of being denied both of the options that were initially offered, I would have never agreed to it. Feels predatory and done in bad faith.

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 2018-06-06
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
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 purchased a car from a XXXX dealership and obtained financing from GM Financial. I made all of my payments on time, without any late payments or less than the amount required. In XXXX of 2018 I paid off my loan in full, years in advance. The title was released immediately, however GM Financial then promptly stopped reporting everything related to my account to the credit bureaus. I have a perfect credit report. I do not have a single delinquency, collection, or negative remark on my credit. However, I now have this account on my report which has not been updated for going on 6 months and it is starting to have an impact on my score and my credit worthiness in the eyes of creditors. It does this for two reasons. 1 ) It appears that I have a balance for on a loan that originated on specific date and the balance has not decreased like it should be. While there have not been reported dates and lenders can see that, it isn't being taken into account. It reflects poorly on me. 2 ) When I paid off the car, I did so because I sold it because I unexpectedly moved to XXXX and no longer needed it. It was a relatively new car and I took a large loss on it and I had to take out an unsecured personal loan to cover the difference. So now I have the loan of the personal loan counting against me PLUS this car loan because GM Financial is refusing to pushing that I paid off my account.

I have called GM financial repeatedly about this issue. They have claimed to have updated their system and as a result have stopped reporting to the credit bureaus. I am a software engineer with 15 years experience. I can tell you that you do not roll out a system upgrade like this if you need to take a portion of it offline for 6 months because it doesn't work yet. I was told multiple times that I was back online and it still hasn't been reported. At this point it is impacting my life and and I am unable to obtain financial products that I am seeking specifically because of GM Financial. If I am in this situation and I have a perfect credit report and an income of XXXXyr, how many other people is GM Financial impacting with their sloppy system upgrade?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-25
Company: Experian Information Solutions Inc.
State: LA
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:
XXXX XXXX XXXX has continued to report fraudulent information on my credit reports. I have disputed this information several times and corrections were made. However XXXX XXXX XXXX  continues to report fraudulent information over and over. The account has been closed and written off for many months. However XXXX XXXX XXXX continues to increase the balance and even know there is no payments due XXXX XXXX XXXX reports missed and late payments every month and increases the balance. I have a letter from an attorney who represents ford that tells me do not send payments to XXXX XXXX XXXX. So if the account is closed and charged off, written off and it shows no payment is due. How can XXXX XXXX XXXX continuously report that my payment is late and how does the balance increase on a closed account.

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 2019-10-22
Company: Experian Information Solutions Inc.
State: DE
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:
Filed a report with the ftc and also XXXX police department because accounts aren't mine and have yet to respond to my disputes made to them and the credit bureaus or remove the accounts.

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 2017-12-09
Company: AES/PHEAA
State: MT
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:
I submitted an income based repayment plan recertification with my new student loan borrower XXXX XXXX. I applied for pslf and they stated that They were going to send my loans to Pennsylvania higher education because they were the ones that handle the loan. I submitted my request within the 3 month window. And they responded stating that my idr request was denied because I submitted the request too early. Now I have to resubmit the request as the time is within 2 weeks of needing to have the certification before i am taken off my idr plan. This will increase my monthly payments to an amount I am unable to pay. They also said for the correspondence I would have to wait for the document to come in the mail before I could dispute their claim. It stated on studenloan.gov that when I filled out the request it could be used for the future date when my recertification was due. It appears the company is denying my request close to the time they will be able to remove me from my income driven repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Navient Solutions, LLC.
State: TN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I told the customer service representative about my current situation, as I had my son XXXX which completely changed our financial situation for the worst. After numerous calls, I talked to one representative who brought me to tears because she hounded me about getting a payment in even though I repeated that I don't have the means. She then told me to ask my parents. Then she asked me did I have any coworkers, friends, or neighbors that would pay off the ENTIRE {$7000.00} balance for me. She told me that people have neighbors and friends who do pay for people 's loans all the time, which is obviously a lie and a tactic to try to get the money by any unethical means. THIS IS HARASSMENT! 

Not only that how can you change a total balance from {$7000.00} to {$2000.00} to help, if I could produce the amount, but because I can't because I don't work to take care of my ill child, you inflate the amount at your leisure? 

This company has completely failed me and many other borrowers with their predatory tactics for borrowing and repayment and it should be illegal! This is a harmful company! 

They say every call may be recorded so I hope they have this one as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: The CBE Group, Inc.
State: GA
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 have never heard of this company, i started getting scary phone calls about something i knew nothing about, I can not recall signing a contract with this company and they are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13
Company: Experian Information Solutions Inc.
State: TX
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:
ftc violation XXXX  stystems

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 2019-01-25
Company: Diversified Consultants, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I ended my contract with XXXX when I moved away from their service area. I paid the termination fee, as needed. I paid this via the website, per usual. I'm not sure how wires got crossed ( or if they did ), but XXXX now claims that I did not pay the termination fees. In XXXX, Diversified Consultants, a debt - buying collection company, bought the alleged debt from XXXX, and began pursuing collection. In XX/XX/XXXX, Diversified Consultants sold my debt to another debt - buying collection company, XXXX XXXX , XXXX . This has caused damage to my reputation via my credit reports. I have disputed this multiple times and it keeps coming back to haunt me, because it has not been removed from my XXXX  nor XXXX  credit reports. I just want this to go away for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I submitted a letter indicating that I did not have a foreclosure on XX/XX/XXXX to Experian, XX/XX/XXXX andXX/XX/XXXX certified mail. Also, I requested a copy of the allege records for my review. Neither Credit Bureau has submitted those mortgage documents for my review to date which is my legal right under the law. Accordingly, I am demanding for the XXXXXX/XX/XXXXHome Mortgage entry to be deleted off my credit profile due to the Credit Bureaus non-compliance of the law of supplying me the mortgage documents showing a foreclosure.

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 2021-04-02
Company: College Ave Student Loan Servicing, LLC
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: Account status incorrect

Complaint:
I have a loan from XXXXOLLEGEAVE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called COLLEGEAVE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contactingXX/XX/XXXX, and COLLEGEAVE with no successful resolution.XX/XX/XXXX and XX/XX/XXXX reporting me 30 days late in XX/XX/2020, XX/XX/2020, XX/XX/2020. There was an error on their part. I was never 30 days late on dates mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
USAA applied payment to a 0 % promotional balance instead of an interest bearing balance. I contacted them to attempt to correct the issue and they refused citing their cardholder agreement. I cited the XXXX Credit Card Act and attempted to explain the excess payment rule, however they refused to correct the balance change. 

I did not attach statements from XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as they contain PII.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-25
Company: Navient Solutions, LLC.
State: WI
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:
I have been having issues with Navient for a couple of years now. It gets old having to be paying one loan company then get switched to another. The school that I was attending was online and there is no way I can get information from them. It's like they don't exsist. I was doing good at repaying my loans then had some health issues that has not allowed me to work. I am a XXXX XXXX XXXX mom and take care of XXXX kids. I have no income coming in that is why I have been doing forbearances. In the past I was put on an income based plan, but now I don't work. I can't consolidate my loans to lower my payments. I have sent forms in for discharge of school loans due to my school isn't available online, and I haven't recieved anything back from the loan services. I have even sent emails and had no response. I wanted help to get figure out what I can do with my loans since I don't have any income coming in. The school that I attended kept taking out money from my loans and I wasn't even attending school anymore. There were also books and supplies that I never recieved and they still took money out. I have heard many complaints about Navient. It seems like every time the loan services switch the loans keep getting bigger. I want to get the resolved soon instead of having the student loans reach a point to where it isn't possible to pay back. Having my loans discharged would be great since I can't get any information that I need on XXXX XXXX online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
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: Account status incorrect

Complaint:
I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian,XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no successful resolution. Experian, XX/XX/XXXX, and XX/XX/XXXXreporting me 30 days late in XX/XX/XXXX, and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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