BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-27
Company: ACS Education Services
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took out a Federal Student Loan when I was in college ( XXXX ). The total amount of the loan was for {$16000.00}. Since XXXX, I have paid them {$9100.00}. My current outstanding balance is {$16000.00} and the " payoff '' balance is {$16000.00}. So after paying over {$9000.00}, I have only lowered the balance by about {$900.00}. 

I could n't figure out how this was possible, until I did some research about this company. Apparently, they reduce the amount of your payment that goes towards principal based on what day of the month you pay ( if you pay on the XXXX, a higher percentage goes towards principal than if you pay on the XXXX ). I would have happily set up an auto-pay for the XXXX of every month, however this company does not give you an option for auto-pay. This was never explained to me, and apparently was n't explained to thousands of other students that have written complaints about this company online. Several lawsuits have been attempted towards this company, but they have been able to escape them due to their arbitration clause. This company has an F rating on the XXXX website and is not accredited ( XXXX ). This company is intentionally deceptive, does not explain that your payment 's principal/interest varies throughout the month, does not allow you to set up auto-pay, and intentionally delays pending payments to prevent you from paying off your principal, and has thousands of complaints. 

It is extremely upsetting that the Federal Government would sell my loan to such an awful company. I would like to figure out how to either file an arbitration suit against this company, or have my outstanding balance reduced to the fair amount. 

Please let me know if you can assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TENET HEALTHCARE CORPORATION
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I saw a doctor on   XXXX   XXXX   XXXX   Chapter  XXXX  Bankruptcy was filed   XXXX   XXXX   XXXX     and discharged   XXXX   XXXX   XXXX   The medical debt from  XXXX   XXXX ,   XXXX   was sold to a debt collector who made no efforts to contact me, but reported the debt as delinquent on my  XXXX  credit report as of   XXXX   XXXX    . I and my attorney have contacted this debt collector on multiple occasions since that time asking them to verify they have a legal right to collect this debt, to which we have received no response. I have also disputed this debt with  XXXX  on  XXXX  separate occasions, both times receiving the response that it has been verified.     In summary, this debt was  discharged  in my bankruptcy as of   XXXX   XXXX   XXXX     yet the collection agency continues to report it as delinquent on my credit report and has ignored all requests for verification of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Since  XX/XX/XXXX  I 've been contacting  American Express S erve card regarding a dispute for {$400.00} against  XXXX   XXXX . First  XXXX  made credit arrangements with me and gave me the opportunity to a faster internet speed, that would not cause any interruption to my services and would be updated easily, only to come home one day to have no services and was advised by  XXXX  that this was totally their fault, but I would need an ONT box in order to get my services back on, this was a ploy by  XXXX  to get me to take on more services, at a higher price even though I request several times for them to cancel the order and was persistantly told that there was no way for them to do that, that the only recourse I had was to accept the ONT box, long story short it took 12 days to get this resolved. I made the {$400.00} payment on Friday and on Monday, my service had once again been interrupted and  XXXX  wanting more money. I even spoke to a supervisor from  XXXX  who said and I quote " what you want your services back on, your not getting them unless we get paid '', she was heartless she did n't care about the previous issues that  XXXX  took responsibility for, she told me if I cancel the service I had to pay the termination fee, which is now over {$1300.00}. I contacte d Amex Serve to disp ute immediately, who advised they would e-mail me a form and I could upload to their portal, which I did, when checking up on the dispute was advised nothing was recieved, they asked me to fax, which I did, once again advised nothing was recieved. Disputed again in  XX/XX/XXXX , they closed my case without a response, in  XX/XX/XXXX  I wrote them a letter and today I recieved a response that the claim is too old and they are unable to resolve.  American Express Serve pr omises their clients that this cards works with the same values as their regular card, which I believe means these charges should have been reversed, but never were. I want my {$400.00} credited to my account, I want sanctions brought against both American  Express and  XXXX  for " acting in bad faith '' and I want the termination fee that   XXXX   XXXX   is charging me to be reversed as well as any additional fees they charged me in relation to their own negligence in a bid to get more money out of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: WELLS FARGO & COMPANY
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On  XX/XX/2017    I made a withdrawal for {$300.00} from the  Wells Fargo  ATM,   XXXX   XXXX  ,   XXXX  . Instead of dispensing {$20.00} bills it dispensed {$5.00} bills. They ran an investigation and said that the machine showed no error. How do I proceed to recover the {$220.00} that I 'm owed.

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 2017-05-05
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In   XXXX     I went into a modification mortgage program with  Ocwen Mor tgage  Services  employed by   XXXX   XXXX  . The modified mortgage would be a fixed rate, 20 year mortgage. I was told there would be a balloon payment. However, I was never told the balloon amount and, it was not disclosed in the modification agreement I executed. I requested by e-mail before and after the execution of the modification agreement the amount of the balloon payment and it was never disclosed by the mortgage representative. The mortgage would be paid in full on  XX/XX/XXXX  and the lump sum balloon payment due at that time. Over a year into the mortgage modification and on   one of my many calls to Ocwen a customer service representative told me that the lump sum balloon payment would be {$80000.00}. Ocwen representatives have admitted that the amount of {$80000.00} was not disclosed in the documents executed. Ocwen acknowledges that their representative assisting me with the modification verbally told me the {$80000.00} amount before execution of the modification agreement. The latter is not true.
Meanwhile, payments that started at several hundred do  llars monthly have been as high as {$1500.00} plus monthly and currently {$1000.00} and rising again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank XXXX XXXX was charging us {$49.00} late fee then XX/XX/XXXX drop our late fee to $ XXXX.PennyMac bought our loan in XX/XX/XXXX.We contacted them because they sent us a payment showing we will be charge {$49.00} late fee we send them paper work to show that we have been charge any late fee of that amount since XX/XX/XXXX.But they are saying it will be {$49.00} late fee no matter what.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-12
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have been on XXXX since XXXX. Every year the date by which I must renew my application for this payment program changes. It 's been moved from XXXX XXXX, XXXX, to XXXX XXXX, XXXX, to XXXX XXXX, XXXX. This last date is particularly alarming because in order to complete the reapplication requires information from a completed tax return. However, the application renewal date is PRIOR to the IRS tax return filing date! Further, the notice I received this year did not provide a " reapply by date, '' but rather stated, " You must complete your application within 10 days of XXXX XXXX. '' Well, is this business days, calendar days, what? Why would n't they simply provide a specific date? And, why is it not the SAME RENEWAL date each year? It seems that the constantly changing renewal date -- which by the way, bears no relation to the date of my original grant of XXXX in XXXX, thereby often requiring that I renew in LESS than 12 months -- is a blatant attempt to catch borrowers by surprise such that they miss the renewal date. By missing their renewal date, Navient may force these borrowers to enter expensive rehabilitation programs before being allowed back onto the XXXX program, plus they will miss they credit for payments made outside the XXXX program! Renewal should be required not more than 30 days before the end of any 12-month payment program, and should NEVER be permitted to be required PRIOR to the standard XXXX XXXX deadline for filing tax returns! ( I attended XXXX, graduating in XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Today I purchased my  credit score and  report from TransUnion via online and also included in the purchase was the same information from   XXXX   and  XXXX . There was a major discrepancy in the scores at which point I contacted TransUnion customer service and was informed t hat the credit score I pur chased was not the same program model use bye their customer service representatives when you call them directly! This lead me to realization that the score I am paying for is not the score TransUnion reports to credit lenders when they inquire about my credit history so why is it being sold to me and allowing me to believe this is what my credit worthiness is being judged bye! I also recently refinanced my mortgage in   XXXX   and I received a letter from my previous mortgage company that my  credit score thr ough TransUnion was some  XXXX  points lower than what was shown to me at that time which lead me to not be able to get a better rate moving forward in my refinance!

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 2017-05-05
Company: PLANET HOME LENDING, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The lender has failed to respond to our QWR and notice of error - we believe the lender initiated foreclosure within the early intervention period in violation of Regulation X,  12 C.F.R. 1024.41 ( f ) . Your client failed to provide  XXXX   XXXX  with a  Post-Foreclosure Referral Not ice in violation o f 12 C.F  .R. 1024.39 ( b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Axos bank stopped providing monthly statements 4 months ago and change escrow fees monthly, providing no real monthly set amount. They send unclear and misrepresenting accounting letters. Phone calls to bank go unanswered. This is a bank that is intensionally trying to make clients default on mortgages. After only 1 year and 3 months in, Im paying a penalty just to refi to another bank so I feel Safe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: SYNCHRONY FINANCIAL
State: ID
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Made a payment to my Old Navy account run by Synchrony Bank accidently through bill pay in the amount of {$1600.00} XXXX XXXX. Still do n't have it back. 

XXXX XXXX, I accidently made a payment through my online bill pay system at XXXX XXXX XXXX Old Navy in the amount of {$1600.00}. I had a XXXX balance with them since the card has not been used for sometime. Shortly after realizing I was missing additional funds from my account from making a payment to them and my original mortgage company I called XXXX XXXX to stop payment on the bill pay. They said they would n't be unable to as Old Navy has received my funds and I would need to work with them on the refund. Called Old Navy they said they would issue a check back to us. After several more calls. They said my account was closed and the fund are on their " general ledger ''. They would need proof the funds came from myself. Spoke with supervisor team multiple times. ( XXXX, XXXX, XXXX, XXXX ) Was requested to fax my bank statements and a letter over which was completed ( XXXX ). They said this was not enough, they requested I go directly to my bank and have a manager write a letter proving I made the payment. This was completed and faxed over as well, it included all dates amounts and account numbers. ( XXXX ) Still no payment was refunded. After several calls they stated the payments was made XXXX which no one could confirm. They said that they could not issue the check to me but would send it back to the bill pay servicer my bank used to pay them which was XXXX. 

Was transferred multiple times to XXXX and my own XXXX. They both stated that they see no payment made from Synchrony Bank. They continually asked for payment confirmation. After several calls to Synchrony Bank and being told payment was made, I had to continually ask for confirmation which no one has been able to provide. On top of this they closed the account and every time I called they required I conference in my wife which works during these business hours. Trying to add me as an authorized user was useless because they said my account was closed, which we never requested it be closed. Needless to say I have spent hour upon hours trying to get my money back that they accepted on a now closed account. 

Old Navy/Synchrony Bankacct # XXXXCustomer service line : XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) Case # numbers : XXXX / XXXX # XXXXMerchant Service Phone # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
An agency known as Midwest Recovery Systems contacted me on XXXX/XXXX/16 via the phone stating I was about to be served with legal papers. Since I have heard this scam before, I yelled and them and hung up. I found an entry on my XXXX credit report today that dropped my credit score by XXXX points which alleges I owe {$680.00} to a company known as " XXXX XXXX '' which I have never heard of and have never done business with. I never received any written communication from this company nor anything stating I have a right to request verification and dispute this so-called " debt '' as per the Fair Debt and Collection Act. They have harassed me and placed a mark against my credit for a matter I know nothing of which appears to be downright fraudulent. I have requested an investigation with XXXX and also to never be contacted again by these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: CNG FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We are working with financial assistance programs. CHECK N GO keep calling my place of work my wife place of work XXXX cell phones everyday. They are informed that we working with the company have legal paper saying there company agreed to terms they are harassing us and our work place

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: EQUIFAX, INC.
State: PA
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:
I've updated my current address with XXXX, XXXX, and Equifax and requested all incorrect addresses and phones be removed and it keeps being denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
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 information incorrect

Complaint:
There is a XXXX debt from XXXX XXXX being reported on my credit report that I do not owe. 

When the debt first showed up on my credit report I went to XXXX XXXX that is now XXXX and received a receipt that I did not owe any money to XXXX XXXX. After sending this receipt to the debt company they stopped reported the debt to the credit bureaus. A few months go by and a new company began to report the debt. This circle has been happening for years. 

The credit bureau is allowing false information to be reported on my credit report which is causing me significant harm and has been for years.

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 2016-06-05
Company: Lendmark Financial Services
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I 've had a vhicule loan for about XXXXyrs.or more & was keeping it up financially untill I was injured about XXXX diffrent times, & would refinance the loan to stay in good stanging untill this last time I was in very good standing, & XXXX of the loan officer kelp requesting me to refinance just to have time off from making a paymt.for XXXX months. & XXXX. So I did, & sign all the paper work that he ask me to sign, & XXXX dayslater he call me & told me that I needed to come & sign over the title because he forgot to give it to XXXX signed, but I just did not have time to go back to their office at that time, & he would call me about XXXX more times requesting for me to come & right as I thought about taking time to go there, he called again & I spoke to XXXX their reprsentative to let her know what was happening & that their reprsentative is acting like I did something wrong, but he is the one who forgot to give me the papers to sign, so he should come to me, or send the paper for me to sign..the next month comes for me to make paymt. & another reprsentative asking for paymt., but I had up to XXXX days to make it ... so I call their big office & wanted to make a paymt Through them as i had done before but they referred me to a online paymt., so that is what i did. 
XXXX of the female reprsentative mentioned that they have a XXXX lien & another company has a second lien & that is the reason that i am understanding why they are harrassing me to sign title paper. Making it clear that they do not want the second lien holder to have an oppotunitive to get a XXXX. lein on the title.. 
I told them that I am going to make this complaint because they would not allow me to make my payment on time to XXXX of their reprsentative who had call me that morning & stated that he would be there untill closing if I wanted to pay & when I called he would not come to the phone. I fact no one came which would make my payment late & then they tried to get me to refinance the loan that I just recently refinanced & I was caught up on my payments ... Mostly everything I have mention was / is recorded on my android ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  WAKEFIELD & ASSOCIATES  license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101  . WAKEFIELD & ASSOCIATES does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. WAKEFIELD & ASSOCIATES is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

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