BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-15
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Enclosed is all the information that is attatched. I have called my loan several times in reference to lowering my payment to have a better quality of life and be able to live and not have to live with out any means of anything else. I am not able to move forward in life or even move on my own I have to rely on other people for a place to live in order to keep up with my student loans. I have tried to get scholarships to help me with my student loans and nothing. 
I do not know how you can help me but I would greatly appreciate it if you could. The student loans company resolution is to go back to school to hold off on payment for mt student loans, which doesnt help considering all it does it add to my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: VIRTUOSO SOURCING GROUP, LLC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I check my Experian credit reported, I notice Virtuoso SourcingGroup post on my credit file. The debt collection laws clearly been violated. The law is clear Debt collections suppose give me chance to validate debt { 30 days }, Virtuoso did n't do that, and this debt was Identity theft file with XXXX. This practice is unethical also illegal

Company response to consumer: Closed
Consumer complaint received 2016-05-15
Company: AES/PHEAA
State: TX
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:
Why do you have to keep reapplying to have your loan discharged when you 're XXXX? 
Some of the letters I have written addressed to the " lender '' have been returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: Galaxy Capital Acquisitions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was applying for civil service job I found a judgement on my credit report going back from XXXX from XXXX XXXX XXXX. There is outstanding balance of XXXX. Never was I contacted about the debt. According to XXXX I was served by private processor from a debt I opened XXXX. That is impossible because my first credit card I had was XXXX. 

I contacted XXXX about the debt, I asked for official validation. All the where able to give me was a copy of judgement. 
I requested statements sent by XXXX or the original creditor. They could not provide the information. 

I asked for the name of the person who served the summons. 
Full name of the person who signed for the summon. 
A copy of the delivery notice showing the signature date and time. 
I asked several times and they refuse to send any information. 

I asked for a copy of affidavit that processor had brought, no one in my family received a summons in my name. Never did they attempt to contact me about this. Now there is unbelievable amount of money that is owe. 

I can afford the amount that they are charging me. It was unethical how they went to collect money. I was never served properly and this is hindering me from getting a position in public safety.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Canceled a Renters Insurance Policy 6 years ago, but apparently it did n't get cancelled, and was continued to be billed through payroll deduction that went un-noticed. Company changed something so the payroll deduction stopped. Policy was sent to collections due to non-payment. Debt collection company, Caine & Weiner, started to contact me through letters and calls claiming I owe {$71.00}. In XXXX I contacted original XXXX XXXX, the original policy holder, explained the situation, received around {$1000.00} as a refund for the overbilling of the account and was assured that the collection attempts would stop. I then disputed the claim with Caine & Weiner through an email address they provided because their representative claims that disputes can not be made over the phone. I believed matter was concluded but then Caine & Weiner resumed trying to collect a debt not owed in the middle of XXXX. Also, instead of calling my phone number like they had no problem doing so month ago, they are now calling my family members to contact me. I have reached out to XXXX XXXX and have been sent confirmation of not owing any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: Credit Plus Inc
State: OH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
These companies have caused my credit score to drop XXXX points do toHARD INQUIRESXXXXXX/XX/XXXXXXXXXXXXXX/XX/XXXXXX/XX/XXXX XXXXFinanceXXXX XXXXXXXX XXXX, XXXX XXXXMisc. 
I XXXX XXXX do want these removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Attempted to search for airline tickets thru XXXX XXXX on XXXX & XXXX. Did not complete transaction as XXXX raised prices significantly while processing. Backed out/cancelled search and XXXX placed XXXX separate " pending '' holds for a total of {$3200.00} ; {$2200.00} on XXXX and the balance on XXXX. Called my bank Suntrust to let them know I DID NOT purchase tickets. Called XXXX and basically got nowhere and was told XXXX business days was typical for them to hold monies from my account. On XXXX Suntrust did a Credit Memo for {$2200.00} and indicated that " once XXXX released the hold, the credit memo would be " paid back '', basically balance back to what it should be ''. The customer service rep never indicated that there was a specific time hold, i.e. XXXX hours and that the Credit Memo would only be for that specific time period. Today I see the Credit Memo dropped off and my account is in the negative as well as my savings account because I have overdraft protection. I called Suntrust, again, and was told that the Credit Memo was time specific and as of today, XXXX there appears to be a XXXX hour hold from XXXX XXXX. I stated that today would be day XXXX and yet there is another XXXX hour hold? That leads me to believe that XXXX will not release the hold until Monday XXXX at the earliest ... How is it that Financial Institutions can manipulate funds in this manner? If I indicate that NO PURCHASE was made and a XXXX party vendor is simply tying up my funds XXXX business days for their use, that my banking institution does not have the authority to release or drop a hold. How is this any different than a fraudulent transaction? Again, I DID NOT purchase tickets ; merely searching. 
As a side note, on Tuesday the XXXX my First call was to XXXX XXXX who said I needed to call XXXX and then my bank. I then called XXXX and was told to call XXXX XXXX. Neither had any confirmation information indicating to me that there definitely was no pending transaction. I did call Suntrust and on a Conference call with XXXX was told that a Fax would be sent ASAP from XXXX with all pertinent information that Sunturst needed to release the monies ; that Fax never was sent. I called XXXX, again, got a Supervisor who pretty much told me, " Oh Well, XXXX business days ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
After reviewing my credit report, I found that my student loans have been reported double and triple times on my credit history. This has caused many occurrences where I have been treated unfairly due to the impact on my credit rating. My loans were refinanced and should only be reported 1 time for the full amount, not multiple times for the same accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid XXXX XXXX ( XXXX XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
XX/XX/2006 I went into contract with GMAC to lease with the option to buy a XXXX Pontiac Grand Prix. When I signed the contract, I was told that this would allow me to buy the car if I felt I wanted and I did n't have to go through the whole process of reapplying for a loan. So I ask the lady who I signed the loan with, what does that do to my credit and she replied the balance would change and the monthly charges. I was fine with this. After looking at my credit report more closely I noticed that they stop reporting the correct date of when I leased with the option of buying the car and reported the new date of when I decided to keep it. I would not have signed for the car if I knew it would start the clock of the original debt all the way over. Please look into this situation as I was promised something that did not happen. Now I have debt from XX/XX/2006 with bad history still reporting on my credit report from 12 years ago.

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 2015-08-01
Company: ALLY FINANCIAL INC.
State: AL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
XX/XX/2012, I terminated an auto lease with Ally Financial. Because I was already in a Chapter XXXX bankruptcy, my attorney amended the current proceedings to include Ally. Ally agreed to the terms of that amended agreement but has continued to report to the credit bureaus a past due amount. I am attaching documents to substantiate my case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX 2016 I checked my TransUnion credit report on XXXX and had a total of XXXX hard inquiries removed from my credit report. The inquiries that were removed are as follows : 1. XXXX XXXX : XX/XX/XXXX 2. XXXX : XX/XX/XXXX 3. XXXX XXXX : XX/XX/XXXX 4. XXXX : XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX : XX/XX/XXXX 7. XXXX XXXX XXXX : XX/XX/XXXX 8. XXXX XXXX XXXX : XX/XX/XXXX 9. XXXX XXXX XXXX : XX/XX/XXXX 10. XXXX XXXX XXXX : XX/XX/XXXX 11. XXXX XXXX XXXX XXXX : XX/XX/XXXX 12. XXXX : XX/XX/XXXX 13. XXXX XXXX XXXX : XX/XX/XXXX 14. XXXX : XX/XX/XXXX 15. XXXX XXXX XXXX of XXXX : XX/XX/XXXX 16. XXXX XXXX XXXX : XX/XX/XXXX 17. XXXX XXXX : XX/XX/XXXX 18. XXXX : XX/XX/XXXX 19. XXXX XXXX : XX/XX/XXXX I checked my account on XX/XX/XXXX and all the hard inquiries were placed back to my account without sending me a reinsertion letter as required by FCRA Section 611. I have been calling TransUnion ever since and received no help. No one will transfer me, no one will connect me to an American representative or the fraud department. Multiple agents have been rude and unprofessional, some have told me that they know what happened but it 's basically to bad and I should simply file a complaint because they will not fix it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I attempted to shop for a good rate for a car in XXXX of 2014. I went to XXXX XXXX dealership and I received XXXX hard inquiries on my credit report and my score dropped between XXXX points!. I applied for rental housing and was denied based on my credit. How can I get these inquiries immediately removed from my credit report?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have never done any business with XXXX XXXX who has obtained a judgement against me. I have called XXXX XXXX several times regarding this matter and have disputed this matter. I have contacted XXXX and they have removed this from my credit report since there was no transaction done by me with XXXX XXXX. XXXX has removed this from my credit report ; however, XXXX Transunion have not. This information is inaccurate. I want this removed from my credit report since I did not do this transaction and no one can provide me with validation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: Immediate Credit Recovery
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been trying to set up a plan with this company and they keep telling me that they will call me back and I never get anything back. This has been going on for quite a long time. every time I call they keep telling me they are transferring me to a rep and then I get transferred again to someone who has no idea why I am calling. I know this is my bill and I want to pay it but they should call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Stellar Recovery, Inc.
State: NV
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:
I informed Stellar Recovery that I was filing for bankruptcy and still they send me collection notices, also they send me notice in deceptive & deceitful manner I also retained legal services od XXXX Law Firm of XXXX XXXX NV, my case # XXXX in XXXX XXXX NV appeared in court XXXX XXXX 2016 @ XXXX XXXX XXXX XXXX .I 'm also on XXXX with a limited income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Social Finance, Inc.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint:
I applied for a refinance with SoFi and I was offered much worse terms than they advertise. I have approximately an XXXX FICO score with over 12 years of stellar credit ( deep credit ), I make over XXXX, I have no debt except for a car loan and the student loans ( not even a mortgage ) ; and SoFi quoted me at 4.99 % as the best possible fixed rate. The company has been advertising 3.5 % interest rates all over ( competing with other student loan refinance companies ) ; if I am not being offered the best rate, I believe that there may be some fraud going on with marketing the rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a notice of collections from Capital Accounts on about XXXX/XXXX/17 for an old medical bill. In that short time between then and noe XXXX/XXXX/17, I 've received phone calls from them looking to collect. I asked them on the 2nd phone call that I plan on disputing the bill and to not call during my work hours any longer. The woman on the phone then took an abusive tone, declared that she 'll note that I refuse to pay the bill and hung up without any further clarification. While, she did n't make any direct threats, she seemed to imply they 'll take legal action against me or to hurt my credit by FALSLY claiming that I refused to pay the bill, even though I still have 30 days to send my written dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: LOBEL FINANCIAL CORPORATION
State: NM
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
We had a pay off stated from the home office of this company California ) and then the XXXX office and we paid off truck By the time they stated. We waited for over a month for the title and instead today recived a bill for {$80.00} I contacted them and they have no clue what they are doing said its a late charge.They tried saying it was paid after XXXX on XXXX if you look at payoff print out from them it was XXXX the XXXX I am tired of this company and want my title. DO NOT USE LOBEL FINACIAL they are crimanals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Specialized Loan Servicing Holdings LLC
State: NC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
A notice of hearing has been filed to occur prior to an illegal attempt at foreclosure of a deed of trust " in the matter of a Deed of Trust executed in the original amount of {$90000.00} dated XX/XX/XXXX, recorded in Book XXXX, Page XXXX, XXXX XXXX XXXX '' by XXXX XXXX XXXX XXXX XXXX represented by " XXXX XXXX XXXX '', XXXX XXXX XXXX, XXXX, XXXX, XXXX. Details of the notice and the original deed identify XXXX ( XXXX ), FKA XXXX, as Trustee to the certificate-holders of the XXXX XXXX XXXX XXXX ( XXXX, XXXX ) ASSET-BACKED CERTIFICATES SERIES, XX/XX/XXXX-XX/XX/XXXX, also DBA a debt collector for XXXX XXXX XXXX, named Specialized Loan Servicing , LLC ( SLS ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX being named defendant in a Federal class action by XXXX states, is still in the process of disseminating funds and other loan modifications to it 's customers who were deemed by the United States Department of Justice to have been damaged. Court documents and the XXXX Attorney General XXXX XXXX, along with the other states are directly involved with monitoring and assuring compliance by the banks and loan servicers to satisfy the disbursement of funds and mortgage modifications as ordered by the DOJ to give relief to these borrowers. Information can be obtained at the XXXX Attorney General 's Office of Mortgage Settlement Oversight at their website XXXX Attachments will show a brief summary of what is being accomplished, and final appeals and final settlements and actions by the courts against XXXX have only recently been reached and loan modifications will continue for the remainder of XX/XX/XXXX into XX/XX/XXXX. In addition, a lien is held on this specific property by the State in the approximate amount of {$11000.00} in the form of a grant obtained by the XXXX Housing Finance Agency and is backed by Federal government money in order to prevent a foreclosure. Any enforcement of foreclosure on this property would directly nullify the agreements already in place and legally obtained by the State of XXXX, the United States Department of Justice, the XXXX Department of Justice, and would further violate and upset the settlement agreements afforded to and established for this individual as so ordered by the Superior Court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: SLM CORPORATION
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I cosigned XXXX student loans at SallieMae for my son. For the last XXXX years I have made the {$25.00} required minimum payment. Over time as the number of loans grew, so did the payment. I currently send XXXX check for all XXXX loans in the amount of {$100.00}. Suddenly last month they credited the full payment to just XXXX loan and then put the other XXXX loans into a late payment status with extra fees. This happened XXXX other time and they gladly reversed it for me. This time however they tell me it 's just too bad. That I will have to make the late payments and fees on the other loans to get caught up. She said even though it 's their rule I make {$25.00} each they ca n't be expected to know how to credit my account correctly unless I send in XXXX separate payments or detailed instructions on how I want the payment to be credited to each loan. Seriously, it 's simple math XXXX loans x {$25.00} = {$100.00}. Seriously? I should not have to send XXXX checks, nor should I have to write detailed instructions.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-01
Company: Texas Guaranteed
State: OR
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Loan went into default after illness. Contact mailings about default were sent to old addresses and discontinued phone numbers. Four years later finally contacted present address. I suffer from XXXX. In and out of XXXX ; spotty work record. My mother offered to pay off the debt by collection agency will not allow full payment ; will not allow reduced fee. Collection agency will not mail the questionnaire for payment plan- insists on phone call only, mentally I can not handle that type of interrogation. I just need them to stop harassing me. Threatening me with garnishment when I just now got a job. I am homeless most of the time. The stress of the threats causes me to lose my jobs. I can only work about XXXX hours a week XXXX. I want help just paying off what is fair and making them put their offers in writing- I ca n't handle talking to people. My mother is will to help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief