BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-14
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a collection showing on my credit report from Midwest Recovery System with a loan on XXXX XXXX, 2016 for {$910.00} and referring to XXXX XXXX. I have never opened an account or secured a loan on XXXX XXXX, 2016. The dates are false and I owe no amount of {$910.00}. This collector is falsifying information to place a newly open account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
BANK OF AMERICA , NATIONAL ASSOCIATION has for over the last three years done every conceivable thing one could do to insist that the debt IT is attempting to collect derives from a promissory Note secured by a Mortgage that was executed by XXXX XXXX XXXX and XXXX XXXX XXXX, Wife and Husband, as Tenants by the Entirety, as Fee Owner ( hereinafter " Consumer '' ) on XX/XX/2006. 
Go to XXXX. 
The Note identified the lender as XXXX. The Mortgage stated the lender was XXXX., a corporation originated, and existing under the laws of California . 
Again, go to First Attachment. 
The disturbing issue here is the loan number that is displayed on both the mortgage, and the note is Loan Number : XXXX, with a Mortgage Identification Number registered with XXXX as : XXXX. 
Again, go to First Attachment. 
The loan number that is displaying from COUNTRYWIDE HOME LOANS, INCORPORATED dba/trade name BANK OF AMERICA HOME LOANS that provides residential loans in the UNITED STATES is : XXXX??? 
Go to Second Attachment. 
COUNTRYWIDE HOME LOANS, INCORPORATED dba/trade name BANK OF AMERICA HOME LOANS has never contracted, nor provided any kind of residential loan to the Consumer, as evidenced by the XXXX distinct, independent, and separate loan numbers as proven above.

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 2020-04-17
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I began the process of requesting the return of mistaken XXXX contributions on XX/XX/XXXX. The reason for my request was that I was not aware that being enrolled in XXXX XXXX XXXX  for part of XXXX & XXXX made me ineligible to contribute to my XXXX. My original fax, as well as my follow up fax dated XX/XX/XXXX, included XXXX Distribution of Excess Contribution/ Correct Mistaken Contribution forms as provided by PNC Bank XXXX the Custodian, for years XXXX XXXX {$4500.00} XXXX & XXXX XXXX {$1800.00} ). The amounts requested, the reason ( as indicated by federal law ) and the appropriate disbursement information are clearly listed on each form. 

The chronology of my request is as follows : On XX/XX/XXXX, the date of my original faxed request, I was unaware that funds had to be moved from my investment XXXX account to my base XXXX account to have sufficient funds to transfer. No one advised me of such. 
On XX/XX/XXXX, the date of my resubmitted fax request, I was unaware that having previously opted into the automatic investment option, the funds manually transferred from my XXXX investment account to my base XXXX ( with the intent to resolve the previous issue ) would automatically be moved back into my XXXX investment account, recreating the original problem. No one advised me of such. 
After several phone calls and emails, I learned of the problem and made sure the funds were transferred & auto-reinvest was turned off. 
On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate provided an expedite # XXXX. 
On XX/XX/XXXX, I was able to verify via the PNC website that the funds were successfully & permanently transferred to my base XXXX account in order to provide sufficient funds for the requested return. 
On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate provided another expedite # XXXX. I requested to have a manager contact me and provided my cell phone as the associate stated he did not have access to my original application information. 
On XX/XX/XXXX I contacted PNC to inquire. No progress was evident & the associate stated that no forms were on file to request this return of funds. I explained that I have two fax verifications of the submitted forms, one for XX/XX/XXXX & one for XX/XX/XXXX. I also offered to fax again or email. He declined. I requested to have a manager contact me and provided my cell phone. No manager has contacted me after two specific requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: ACS Education Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My student loan servicer is ACS Education. In XXXX 2016, I submitted an application to XXXX ( XXXX ) to consolidate my federal student loans at a lower interest rate and to also qualify for the Public Service Loan Forgiveness program. A few weeks after I submitted my consolidation application to XXXX, I was informed that my application was denied because ACS Education had failed to certify the loan amounts. 
As part of the consolidation application process, XXXX makes a request to ACS Education to certify the loan amounts. ACS Education is supposed to provide XXXX with Loan Value Certificates. As of today ACS still has not sent those certificates to XXXX. In XXXX, once I learned my application had been denied I contacted ACS. I was told that ACS is still working on the certificates and making " adjustments ''. The most outrageous part is that the representative on the phone could not tell me when the certificates would be completed. Since XXXX, I have called ACS several times and each time I get the same answer that ACS is still working on the certificates and can not tell me when they will be completed. 

It is literally going on six ( 6 ) months and I still have not been able to consolidate my loans. This is truly unfair, as I have been subjected to higher interest rates and I am losing credit time towards the Public Service Loan Forgiveness program as I must be serviced by XXXX to qualify. I am literally being held kidnapped by ACS Education who refuses to issue loan value certificates so I can consolidate my loans with another company at a lower interest rate. I have done some research online and there have been a ton of complaints and lawsuits made against ACS Education. 

One important note is that when I contacted PHEAA to inquire as to why my consolidation application had been denied, the representative on the phone explained to me that PHEAA always has issues with ACS and getting loan value certificates. Appropriate action must be taken against ACS Education as this is truly unfair to consumers whose loans are serviced by ACS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01
Company: DriveTime
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
DriveTime Financial whom my auto loan is through refused to change the date of when my payment is due. I advised them my company 's payroll dates were changing and the company refused to change payment dates as a one time courteousy to be line with my company 's payroll dates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home. They instantly sold the loan. My interest rate is 3.75 % and my payments are {$2100.00}. I just received my first payment, and it says {$800.00} is escrow, {$910.00} is interest ( way more than 3.75 %!!! ), and only {$440.00} is principal. This can not be right.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am very deceived of the way Penny Mac has handle my loan. I submitted a modification packet to them since XX/XX/2017 to be review for a possible work out option, in my hardship letter I explain the reasons why I was not able to keep up with my mortgage payments. Due to me losing my job Penny Mac in demanding more proof I mean I am not paying my mortgage payment because of my loss of income. I was been forced by my ex employer to resign. I did n't want to lose my job however ; my XXXX has moved in and she is contribution towards my house hold income. I am working now but the money I am receiving is not the same, therefore I am hoping to be provided an affordable mortgage payment, so I can be current once again. My intentions are to keep my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not dispute that I took out a payday loan with XXXX but I repaid the loan years ago. I had to get a mortgage in 2014 and ensured my credit report was squared away well in advance of the home purchase. It seems documentation of the repayment has become lost in the shuffle as the debt was bought and resold ( who knows how many times ) and a new random debt collector has reported the debt back to all XXXX major credit bureaus. I 've disputed with all XXXX, XXXX came back as deleted, the other XXXX show 'remain ', I called this debt collector ( Midwest Recovery Systems ) and XXXX woman told me they were updating it all to 'delete ', and today 's call with a gentleman said they had plans to rereport it to all XXXX bureaus. This is very upsetting. I paid this money back in full years ago. It 's not my fault the documentation on the debt collector was lost or not retained. My wife lost her job last year and I need to refinance my mortgage. With this on my credit report, I 'll get a less favorable interest rate when I refi. I also need to buy a new car next year and this will impact me there, too. I do n't know who else to engage on this, but the burden of documentation should be on the debt collectors if they 're so easily able to buy and resell debt this way. How on earth can a consumer ever know when this is happening, especially in error, until it slams their credit score?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit card
Issue: Delinquent account

Complaint:
My company, XXXX, had a XXXX card with XXXX bank in XX/XX/XXXX to XX/XX/XXXX. As a result of the financial crises of XX/XX/XXXX/XX/XX/XXXX the company failed and filed XXXX XXXX Bankruptcy in XX/XX/XXXX. This debt was included, and XXXX, as part of the Bankruptcy. XXXX sold off this account to XXXX in XX/XX/XXXX and they were told by myself that this was a corporate, not personal, debt which had been XXXX in Bankruptcy. They, meaning XXXX XXXX, agreed to remove the debt from my personal credit ; which they did. It is now more than 5 years later and all of a sudden it has appeared on my personal credit once again. The first time it was an inadvertent error which they corrected after I filed formal complaints against them with the CFPB and Attorney Generals Office of New Mexico where I was living at the time. However, this time it feels as though it is malicious in nature and nothing more than extortion. They are trying to collect on a XXXX debt that they have been formally advised was disputed more than 5 years after the fact. This is harassment and a violation of my rights as a consumer and also a violation of THE FAIR DEBT ACT. Please help me resolve this matter once more and advise of my rights to seek damages against an out of control collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: BlueChip Financial
State: WA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I have applied loan from Spot Loan {$800.00}. I have found out that their fees is too high and they do n't have license in state of Washington. I asked want to pay principle balance only. but they did n't agree. and Now collection company harassing and threatening me by phone every day to collect more than principle amount. They said they 're going to sue against me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Capital Management Services, LP
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
The collection agency was advised in writing that the debt had been discharged in bankruptcy and that it was not to contact the debtor again since its calls violate federal law. They continue to call and now are sending letters to the attorney who advised not to call the debtor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX opened up an account for someone and used my name and address to commit fraud against me. 

The account was closed and sent to a collection agency that illegal found my social security number and linked a bad debt account to my personal history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After graduating college in 2011, I discovered that Navient/XXXX XXXX had put me on a 10-year repayment plan for each of my XXXX loans through them that created massive monthly payments of over {$1000.00} per month. When I tried to consolidate the XXXX loans I have with Navient/XXXX XXXX, I was told that " the different styles '' of loans made it so that I was unable to combine all of them under one interest rate. I was also unable to defer the loans until I got a job nor did they allow me to extend my repayment period. They have left me with no options to lower my payments, I 'm currently stuck paying XXXX different ( and very high ) interest rates and I was given no option to have an income-based payment plan. I was forced to work XXXX jobs at the beginning of my career in order to make payments and even now, six years later, my payments still eat up nearly half of my paycheck every month, making it extremely difficult to live anywhere without roommates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient bought my loan from XXXX XXXX. They changed the interest rate thus increasing my balance due without following proper procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Nicholas Financial Inc.
State: IL
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:
Ive pulled my credit report & noticed an unauthorized inquiries, I then contacted the original creditor, they werent able to identify me nor did they have any of my information on file or in their system. They recommend me to contact the credit bureaus to get the hard inquiries removed, I did so and Ive also file a police report for identity theft which I will include the police report number. To my assumption I believe someone had gotten my personal information and applied for something. The company Im referring to is : Nicholas finance corporation the inquiry was pulled on the date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Due to some financial difficulty I requested from USAA Federal Savings Bank relief on paying my credit card ( USAA XXXX XXXX Card XXXX ) and was granted a two year reduce payment plan were I would pay every XXXX of the month {$170.00} so I can get caught up with bills and not file for bankruptcy. I made payment on time ( through auto draft on my checking account ) until around XXXX 2016 when there was a possible fraud on my checking account. I requested USAA to change the bank draft withdrawal from my USAA checking account to my XXXX XXXX checking account ( Please see attached Letters from USAA ). USAA then withdrew {$170.00} from USAA checking account on XXXX XXXX, 2016 putting my USAA checking account on overdraft. USAA have already made the automatic payment out of my XXXX XXXX account on XXXX XXXX, 2016. I called USAA to ask why it happened and I was told that due to the automatic nature of the draft it was not stopped in time. I asked USAA on how this can be solve and I was told they would cancel the auto draft out of my USAA account and keep the XXXX XXXX auto draft. I was also told that the payment for XXXX XXXX, 2016 would then be applied for the XXXX 2016 payment. I was out of town last week and when I got home yesterday ( XXXX ) I received a mail from USAA ( see attached mail ) that I would be terminated from the program and have to make a full payment of my balance ( over {$17000.00} ) when I called the USAA customer service number. It will be impossible for me to make the full payment. I was hoping that the payment plan would help me get some break will I pay off my obligations. Also, my USAA XXXX card have a feature of cash back that I have over {$1000.00} in cash back that could be applied toward my balance which as of now I can not access. I am not asking for forgiveness for the credit card debt, it is my obligation I just need time to make the payments. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09
Company: Financial Assistance Inc
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On or about XX/XX/XXXX, I received a call from XXXX at Financial Assistance XXXX Inc., saying " this is an attempt to collect a debt '' for XXXX. I was in California, watching my mother XXXX, when she called. I do n't remember everything I said because I was distraught ; but I do remember her saying she would call back in 2 weeks. After my mother passed and I returned home I received a kind of rude letter from her. 
I do n't even think I owe this money anymore because my credit report states : " Charged off as bad debt. Profit and loss write-off ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: Empowerment Ventures, LLC
State: TX
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I am soooo Upset!!!!!!! I cancelled a purchase from XXXX in which I was to pick up the merchandise from a local store. I did not go to the store, instead I canceled it. Per Rushcard member services, I would need to fax over an authorization hold reversal form from XXXX with trans info stating to release hold. I get that done, then the reps say they can not do it because of a policy they have in place with XXXX that will not allow them to release the hold. I know they can release the hold because I 'd had them release a hold before. Now it 's school time and they are holding my funds from me doing what I need to do!! I swear I am going to do away with Rushcard after I get my funds released because since the change in banks, it 's has been a nightmare!!!! Im really starting to hate rushcard after being with them since XX/XX/2009. They may get another lawsuit as far as Im concerned. I call Unirush and they tell me they are sorry for the incorrect info of sending in the authorization release form, but they can not release it.???. So you have all of your reps saying the same thing, but it 's wrong? So much of a scam going on!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Bepensa Capital, Inc.
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calling back to back. Hanging up and calling right back within minutes

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 2015-06-15
Company: Clear Debt Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I was called today by XXXX XXXX from number XXXX XXXX at XXXX cst on XXXX XXXX about a payday loan from XXXX for {$450.00} and he stated this long talk about this debt which I put a stop payment on through my bank on this account for this loan due to could not afford to pay it so had to do stop payment to keep from getting hit with fees so this man stated needed a disposition to and was using words I had no idea was or meant and then threaten to take legal action over phone so told him go to court and hung up. Last email I got from XXXX XXXX XXXX stated has until XXXX XXXX to contact them to pay off or set up payment plan before debt was sold off to a third-party debt buyer was unable to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Diversified Consultants, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I pulled my credit report and found a few inaccuracies as a result I contacted the FTC and followed their direction with regard to resolving the matter. Nonetheless I was a victim of FRAUD and I made a police report and other necessary filings. However, this company continues to try and collect on a FRAUDULENT account. I was advised to file with your establishment before contacting the FCC and others.

Company response to consumer: Closed with explanation