BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-22
Company: Credit Karma, LLC
State: GA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Although Credit Karma is not a " reporting agency '', they claim to provide this service to consumers and if their information is no correctly accurate, it affects my decision to make a request for credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I applied for the borrower defense to repayment discharge of the federal Direct Loans per the XXXX website and it has been 6 months and I have not received a response from the DOE or my servicer regarding the processing of this. I have sent several emails and when I call my servicer- FedLoan Servicing , they have no idea what I am even talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I called Overton Russell Doerr and Donovan because I received a letter that a judgment would be placed against me. when I called there company I was greeted with rudeness and utter disrespect. I was first told they would not speak to me with out a phone number, when I gave them my phone number they said it was unacceptable and they needed another, I tried to explain it was my only cell the rep refused to listen and kept claiming i was lying and it does n't seem like a real number so i asked to speak with a manager. When the manager came to the line she said the same that the number i provided sounded fake and that they were doing me a favor by trying to help and that they could just hang up and sue me. when I said caller ID would verify my phone number the manager then started to say i sound like Im on speaker phone and she would hang up immediately if she was, when i advised that she was n't, she said she better not be or she would hang up and forward my account, I told the manager that I just wanted the original bill because I had some discrepancy she stated that all I was doing is stalling and that " guys like you never want to pay there bill '' after that I was so upset I said just send me the bill and hung up the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: SLM CORPORATION
State: OR
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 dealing with debilitating medical issues since six months after graduating from college. I applied for XXXX clearance of my loans through SallieMae and was denied the first time around. I filed a complaint and within a week was asked by SallieMae to send in a new XXXX application. As frustrating as it was to have to ask the doctor to again fill out paperwork that she had already filled out I complied. My account was apparently placed on an administrated forbearance while the application was processed. However, I was not notified that this was the case ( and my elderly grandmother, who is the cosigner, kept receiving calls and mailings asking for payments, which she made ). After waiting for months for information on the application I received a bill for a very random amount. I called to inquire and after being put on hold for almost an hour and being transferred four times I was finally informed that my XXXX application had been approved. They told me to ignore the bill that everything would be cleared by the following week. After speaking to my grandmother I found out that she had made a payment of several hundred dollars just a few days before and the money was taken despite the XXXX application having been approved!!! It has been a few weeks now and I just received a statement that my monthly payment of more than {$500.00} is due in XXXX! I just called and was informed that I should just ignore it and that it should be cleared before the payment is due. I will try to explain this to my grandmother ( who is nearly deaf ) and hope that she does n't pay the bill again. The customer service and communication of SallieMae has been both manipulative ( in taking advantage of my Grandmother ) and lacking ( as no one informed me even when my XXXX was approved )!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I just started working 2 months ago. I consolidated and adjusted to government student loans. But the private student loans wanted money before I even got paid my first check. So I was in the rear from the beginning. They would not let me defer for another month, they will not change the due date or adjust the amount that I am able to pay. Even with a second job on weekends, I do not earn enough to pay the rent and the student loans. 
Are there any laws that they have to make some adjustments?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
A Navy Federal rep responded to my previous complaint saying that as long as I was in the field of membership I could apply well I have tried on several occasions since that reply and have not had any success. When you call they give you the run around and this is so frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-24
Company: Med-1 Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I 'm not certain if this choice best describes my situation. I had a medical bill from XXXX XXXX XXXX that was forwarded to Med-1 Solutions, LLC. The bill was from XX/XX/XXXX. I was unable to pay the bill do to my financial situation at the time it was incurred. I was unable to make payments on the debt during this period because of continued financial hardship. I received a notice from Med-1 that they would be taking me to court for the bill XXXX/XXXX/XXXX. The week prior to the court date I called and spoke with one of their representatives in their legal department. I advised her of my financial situation and asked if I would be able to make payment arrangements for the bill. She said I could. We worked out arrangements were I would make {$100.00} payments on the XXXX of each month, starting XXXX/XXXX/XXXX. She stated that she would forward me paperwork that I would need to fill out for them to deduct the payments automatically from my account. I agreed to do so. I received the paperwork the following week. I had not sent the paperwork back with my account information so they could start deducting the {$100.00} agreed upon amount on XXXX/XXXX/XXXX, when I noticed on XXXX/XXXX/XXXX that Med-1 had deducted a {$100.00} payment from my checking account on XXXX/XXXX/XXXX. This caused me to be quite embarrassed when I went to purchase lunch and was informed my card was being declined. I was also charged a {$37.00} overdraft fee on my account because their payment caused me to go in the negative. I called Med 1 that day and advised a representative of what happened. She said that she saw that arrangement in the notes pertaining to the {$100.00} payments starting on XXXX/XXXX/XXXX and did not know why the payment was taken out XXXX/XXXX/XXXX. I asked the representative how they obtained my bank account information since I had never sent them their paperwork back yet and that I would like to be reimbursed the {$37.00} fee. She could not answer that question and advised that she would have a supervisor listen to the call and get back with me. That has been over a month and I have yet to receive a call back. Since then I have received another collection notice from Med-1 for another XXXX XXXX XXXX bill that I have disputed with the original creditor. I have not contacted Med-1 since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: R&R Professional Recovery, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I recently obtained my credit report and see XXXX companies are claiming I owe money ; R & R professional Recovery XXXX. I sent a validation of debt letter by certified mail to each collection agency. Instead of sending me the evidence that I owe an alleged debt R & R Professional Recovery reported me again as of XXXX/XXXX/15 which has negatively impacted my credit score by XXXX points. I have never received anything prior to this and when I ask for them to prove I owe the debt they IGNORE request and continue to bring my score down! Please investigate this crooked company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-29
Company: Credit Protection Association, L.P.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
While checking my credit report in  XXXX   2017  I noticed that  XXXX  company was being deleted and then it reappeared. I 'm not really sure why  the company feels the need to delete and then re-add the debt which in returns causes my credit score to go   up and down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I purchased a loan from Lobel financial. I just found out after 3 1/2 years with them and a loan that 's close to being payed off, that I was being charged every month for the passed 39months {$25.00} for " late charges ''. Yes I might have been late XXXX 2 times but not 39 months. This is due to a insurance lap that they say happened. I have not had an insurance lap. I have sent them everything to fix the ongoing balance of {$110.00} but they " never '' receive it. I have even had my insurance agent personally talk to my financial agent and somehow someone is either not sending or not receiving anything. 

They wanted proof for XXXX 2015. Took them a total of 8mths to fix that issue I told them to credit me for all the times they charged me {$110.00} extra on my bill, XXXX agent told they they had already done that I said ok and that was that. Forward 2 mths later and now I 'm dealing with the same over charge of {$110.00} because of a laps of insurance on XX/XX/XXXX 2015 and on top of that the cause of my every mth late payment is due to the fact that they never told me I had that fee so every month when I would make my payment of {$510.00} those {$110.00} will get left behind and added to next mths as late payment. I feel like this is no rite and they told me that once I get done paying my loan I 'll have another " hidden fee '' of {$1000.00} waiting for me of late fees. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: T.S. Holdings
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Everytime I called about payment of a debt that was outsourced to them they were rude, they practice illegal/abuse acts and tactics to attempt to collect debts, so we paid the creditor XXXX XXXX XXXX XXXX directly. After paying the creditor we were told by reps from this company that they would not remove. The creditor already assured us that this agency is a 3rd party and they are contracted by the creditor. The creditor informed us that it would be removed. I spoke to 3 reps all who refused to transfer me to a supervisor and were speaking to me in condescending manners/tones also all stating that it would not be removed. I informed each rep that I would contact the CFPB and each time I was responded to with a laugh. Also, I spoke to the creditor who informed me that she spoke to this company directly AGAIN and told them to remove it from our reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Late fee

Complaint:
A year ago I purchased a bed from XXXX by setting up monthly payments with no interest for 18 months. Today I decided to pay off the remaining balance. When I went onto their website I noticed that they have been charging me a late fee of XXXX with interest for late payments every month. I have autopay!!. They said it was n't through their company but through my bank and my bank was n't paying it on time. WHAT??? I set up the autopay through XXXX 's online site. They basically said I was out of luck. More like out of XXXX of bogus charges. They did eventually credit me XXXX big deal. This credit card company is ripping people off and needs to be held accountable just like XXXX XXXX. Please look into this.

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 2015-10-09
Company: NAM National Arbitration and Mediation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received a call on XXXX XXXX, 2015 from a man claiming to represent the 'Legal Department XXXX . '' I immediately asked why he called me and he was very rude saying, " I was trying to help you, but now you can see the judge. You are up on fraud charges and I 'm sending the constable to your house. '' The number does not match any law enforcement or government enforcement in XXXX, Texas. I have a recording of the representative threatening CRIMINAL charges against me. I was never told what this was about, except they represented a client ... a bank that is not in Texas. The phone number is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: NORTHERN OHIO INVESTMENT COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I had loan pre-approval XX/XX/XXXX, I provided updated financial docs XX/XX/XXXX prior to making my offer on a condo and now 2 months later I feel I am no longer to actually closing on my loan and have had inconsistent communication from my loan XXXX regarding my loan in process. I dont understand how someone with an XXXX credit score who has their financials in order and has provided every doc requested within 24 hours to purchase a reasonably low priced home within their means can not even have a close date after 60 days in progress. Though I understand an exception approval from XXXX was needed for the condo complex and it caused delays, I dont see why the documents were not able to be prepared, waiting for the approval to move forward. I verbally reviewed updated figures 3 weeks ago with my loan officer and I still have not seen any updated documents. If there are delays outside of anyone 's control, I can understand that but I dont feel that I am being very well communicated to in order to understand. I email and leave messages for my loan officer and I dont get responses for days, and I 'm made to feel like I 'm harassing her just to get information on my home. I have expressed that I have no lease in my current home and cant even work with my landlord for an arrangement because no one can give me an estimated closing date and I could be kicked out of my current home at any moment and I dont have a new home to move in to! Prior to my investor exception approval, I looked into my options at another lender and found that the closing fees and costs with XXXX are higher than they could be but after I received approval, I decided to finish with XXXX as I assumed I would have closed much faster than starting new with a new lender but I am regretting this decision as I feel no closer to closing then I did 2 weeks ago when the approval was made. The homebuying process is an enormous decision and should be fun and exciting and my experience with XXXX has caused the process to bring me nothing but angst. There have already been XXXX extensions with the seller and I am going to lose the property if this can not get closed and completed as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: Medical Data Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from a debt collector in late XXXX XX/XX/2021 stating that I owed them money. I requested a validation letter be sent via mail. I have not received a letter as of today XX/XX/2021. Today, XX/XX/2021 I was notified by XXXX  that there was a new collection account negatively marking my credit. I called the debt collector and spoke to XXXX, to ask about the credit reporting and that I had not received a validation letter as of today, she replied and said maam you know you owe this money and it is against the law to send another validation letter. I explained that I have not received anything regarding a debt from them. She then told me that she COULD send me a validation letter IF I set up a payment plan with her. I asked for her supervisor, who did not answer in which I left a message for XXXX XXXX XXXX today XX/XX/2021 at or around 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 2015-09-05
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I switched cell phone companies when my contract was finished. My balance was paid in full. XXXX kept billing me and added additional charges for switching companies yet I had no contract with them. I would like this removed from my credit report.I asked for copies of phone usage for the billing dates and they can not provide any.I do not owe XXXX any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: Navient Solutions, LLC.
State: NC
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 had student loan debt. My tax returns were offset and when I retired the payments were garnished from my retirement payments and sent to the treasury department for disbursement for loans. In late XXXX I received a payoff letter. currently I have delinquent loans on my credit report however as of today XX/XX/XXXX those loans are listed with XXXX as having {$0.00} balance. Navient is stating I owe for a loan that XXXX is reporting has {$0.00} balance. Talking to a representative of Navient I was told that the loan was probably transferred to XXXX. If so. why is Navient still reporting on the same loan for the same exact loan type and disbursement date that XXXX is reporting with no balance as of today. Im confused and my credit is bad. The loans are Group ID, XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: TRANSWORLD SYSTEMS INC
State: MI
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:
I have been making my payments to UAS ( University Accounting Service ) regularly for several months now. I recently change banks. So when I went to make my most recent payment, I deleted the old bank account and added the new account. It was approved. But now UAS is charging me a {$20.00} fee saying they can not process the payment because there was no account attached. THEY APPROVED the new account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a victim of fraud I placed a seven year credit freeze with XXXX, XXXX  and XXXX  in XXXX. A fraudulent account was opened XX/XX/XXXX by XXXX XXXX. I disputed with XXXX, XXXX  and XXXX. The account was closed by XXXX  but not XXXX  or XXXX. Now collection agency trying to collect debt. 

XXXX XXXX fraud department is investigating the fraudulent account. The account was sold XXXX XXXX who sold the account to XXXX XXXX who sold the account to XXXX who denies responsibility and deferred back to XXXX. Portfolio Recovery Associates LLC has started a fraud investigation as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
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 am receiving attempts to collect from a company ( Midland Credit Management , Inc ) I am not aware. In addition, the company XXXX XXXX XXXX XXXX XXXX XXXX is listed, as the original creditor, I am unaware. I need to prove from Midland Credit Management that are attempting to collect a fraudulent debt. I need to see an original contract signed by me. I am know that I have never signed a contract with either of these companies. I have looked through my personal paperwork XXXX contracts signed from XXXX ). I have no records of a contract by me with Midland Credit Management or XXXX XXXX. Mildland Credit Management has been report erroneous information to the crediting reporting agencies of a " bad debt. '' If Mildland Credit Management has proof of debt with my signature, I want the company to produce that information. As a now, I receiving notices from a them and I have no idea who they are and what " debt '' there attempting to collect. If this attempt is legitimate, I sure the company will comply and produce the original document establishing a " debt ''. 
This is an attempt to establish if this is a valid attempt to collect because I have no knowledge of these companies and signing any contracts with them.

Company response to consumer: Closed with non-monetary relief