BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am a XXXX XXXX veteran. Wife and I applied through VA to buy a house close to family. Credit report showed judgement from a few years ago that I did not know about. I called collection company to settle the account so we could move on. Paid the the amount we agreed on to settle account. Was told it would take minimum of 30 days to get papers showing judgement satisfied. Tried to get some sort of date but was told to just check back. Paid on XXXX/XXXX/2015 but was told not sent to legal dept until XXXX/XXXX/2015. Court is in a small town so should not be a problem of the court being too busy. 30 days is here and only get run around when calling. First you get someone in a foreign country that you can not understand and it takes up to 30 minutes to get connected to the United States to talk to someone that you can understand. I have only been able to talk to XXXX department that will not give number to legal department or transfer me. They took my money very fast but now I do not seem to be a concern to them any more. Not a good way to treat people. This could cost me the house and my earnest money when it is an easy fix. Wife very upset as I have severe XXXX. When told them today that I was not happy with their service they said it might be 60 days. Not a good answer! 

So any help is appreciated!! 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Funding LLC has aggressively continued to report unfavourable remarks on mu credit profile for a debt that I do not owe. Hence, their illegally, well orchestrated negative remarks has continued to impede on my ability to be considered for any credit worthiness and attain any measurable employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt on XXXX/XXXX/2017. Was told by collection agency that they would notify all XXXX credit bureaus and would have it removed. As of XXXX/XXXX/2017, this debt is still on my credit report. Spoke to customer service and I 'm only getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The statue of limitations for the State of Texas is 4 years, and I have not received any money from a loan in the last four years and this was explained to MCM Midland Credit Management , Inc of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX when they called me, but they continue to call and send me letters. I am named in a Class Action Suite Against them notified by XXXX XXXX XXXX but have not had any results of the lawsuit since XX/XX/XXXX. They have continued to harassment telling me that they will report me deliquent to the credit agencies until I pay them the {$11000.00} that I owe them. The last letter they sent me was XX/XX/2016 saying I could pay a XXXX % discount of only {$3300.00} or 12 months of {$460.00}. I think the lawsuit did not go through so I am filling a complaint against them for myself because they will not leave me alone. They have called me so many time that the phone line with XXXX XXXX XXXX did not work and I had to close the account. Please help me to get them to stop harrassing me until I die. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16
Company: Cash Express, LLC
State: TN
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
I 've been a customer off and on for several years. Worked for the company for 9 months recently. Had current loans with them, that were not due. Left the company, because I was offered a more lucrative position and they kept my entire last paycheck to pay off loans that were not currently due. I have XXXX children ato home and {$700.00} this close to XX/XX/XXXX is devastating to my family. This is disgusting and a foul way to treat someone that was a loyal customer long before they were an employee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: AES/PHEAA
State: OH
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 currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( 240 months or 20 years ), I will end up paying to the loan companies about {$78000.00}. Which is more than double my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: ACS Education Services
State: TX
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 have loans via ACS Education. My monthly payment was {$400.00} monthly. Without notice this company is increasing my payment to over {$1200.00} monthly. I certainly do not have the income to make this payment. I have federal student loans and another private loans as well. The company offers no deferment or forbearance options. They are setting me up to go into default. This loan was made during XXXX school. I took out this loan while attending a school in XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Eastern Revenue, Inc.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a school loan from my school that was sold to a collection agency by the name of Eastern Revenue Inc. of XXXX, Pennsylvania. ( ERI hereinafter ). XXXX has contacted me, constantly harassed me and threatened me numerous times regarding a balance that I am unable to pay and have advised them of such. XXXX has gone so far as to attempt to obtain information regarding my children 's bank accounts, social security numbers and other private information. This company has used guerrilla tactics to constantly bully and harass me continuously, and has affected my personal credit, physical and mental health in addition to permanently affecting my marriage. They have called my home, job and family members non-stop and it is very troubling. They have continuously threatened to hold my transcripts and degree XXXX and advised me that I would never see them ever. No company should ever have the ability to treat anyone this way. It has literally caused me serious harm in all facets of my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: ACS Education Services
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I recently finished paying off a federal student loan that was serviced by ACS-Education. I anticipated that I would receive a closing statement ( either electronically or through the mail ) stating that I had fulfilled my obligation with this servicer. I did not receive such a notice from ACS, nor did I receive a response to the inquiry I submitted to ACS in regards to this question.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I traded in a car I was purchasing from Drivetime. The car was traded on XXXX/XXXX/XXXX and the payoff reached them on XXXX/XXXX/XXXX. I Drivetime on XXXX/XXXX/XXXX to confirm they had received the payoff which they did. XXXX XXXX overpaid them by over {$290.00} which Drivetime confirmed. I was told I should receive the refund in 10 days. I call back on XXXX/XXXX/XXXX and was told they never submitted the refund and it seems to it they were not planning on refunding it. They again told me to give them 10 days to process. I called today ( XXXX/XXXX/XXXX ) and again I am told to give the 10 days to process. I advised them if they held funds over 30 days they must pay interest. They told me to call them back again in 48 hours. I am starting to believe Drivetime has no intention of refunding the overpayment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: PENNYMAC LOAN SERVICES, LLC.
State: WY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted a complaint to the CFPB on or around XXXX XXXX, 2016. Case number : XXXX, regarding an issue with trying to get approved for a deed in lieu through our mortgage lender Penny Mac. We received a reply from the CFPB with the response from Penny Mac. The information that Penny Mac provided as proof of their resolution is fraudulent, as all of the information pertains to another customers loan and loss mitigation. None of the information pertains to our loan or our complaint with regards to our dissatisfaction with our loss mitigation process. I contacted XXXX who is the complaint specialist at PennyMac, on XXXX XXXX, as I wanted to speak with her about the inaccurate information on our complaint, and have not heard back from her as of XXXX XXXX. We did receive an email from Penny Mac on XXXX XXXX that the appraisal is approved, and received a call from XXXX XXXX our loan specialist on XXXX XXXX, telling us we were approved for either short sale or deed in lieu, and that once submitted, we would have an answer within 10 days. We had a buyer who submitted an offer in XXXX of 2016, but due to the lack of progression with Penny Mac, and lack of response, the buyer decided to withdraw their offer. We contacted Penny Mac on XXXX XXXX, letting them know we would like to go ahead and proceed with the deed in lieu. On XXXX XXXX, I received word ( after submitting a signed Deed In Lieu incomplete Package letter, that we now are in attorney review for the title, however again as we were told in the first week of XXXX 2016, the 10 day period would not start until our package was completed, and we were not given a time frame as to how long this review period might take. the last review period with the underwriter, we were told we did n't have a completed package, and had no progression, until after we submitted a complaint with the CFPB. We are not financially in a position where we can continue to pay both our rent ( which our entire XXXX is coming out to pay as we are living on base ) as well as our {$2100.00} a month mortgage, which we are using up our savings to pay. We also are continuing to pay the utilities on the home in NJ, as Penny Mac requires it to be in good condition at the time of closing. We are tired of getting the same robotic answer, which is n't even an answer, and are extremely afraid that this next " review '' period will again continue to take months. Also our other major complaint is that the CFPB was lied to with regards to our previous complaint, and that the information provided to the CFPB was factually inaccurate and did n't even pertain to our loan or loss mitigation request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26
Company: Genesis Credit Management, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A debt collector that solely has business with my husband on an issue from before he and I met tried to contact me through my employer by phone yesterday as a fear tactic and spoke with another member of my company and told them that I needed to call her back before XXXX and the let me know she works at " Genesis Credit Management. '' I have XXXX business to do with this, I have never spoken to her, my husband never authorized anyone other than him to talk to this company regarding his debt so I can with 100 % certainty say she phished for my information and contacted me as a 3rd party at my place of employment. This violates XXXX of the FDCPA rules alone. 


For more context : My husband experienced an incorrect eviction ( partial rent paid on XXXX due to XXXX out of state immediate family deaths and then rest in middle of month after 10 day had already been served ) earlier this year ( before we were married and on an apartment I have XXXX association with ). 

He has been contacted repeatedly in the last week by an " XXXX XXXX '' from " Genesis Credit Management '' and I have listened as an observer only to her berate and verbally abuse him ( on speakerphone ) while he tried to respectfully work with her on a payment plan. She continued repeatedly threatening to " take him to court and garnish his wages if he does n't pay his debt in full now! '' I would be happy to listen to the audio recordings she supposedly took of the conversation. 

Needless to say my husband tried to negotiate with her to the best of his ability but no amount that he can afford was enough. 

I called her and left her a voicemail letting her know I would not tolerate her contacting me, let alone at my place of work so that rumors could spread and soil my reputation without any backing. I want to file a lawsuit and sue her for the damages of dragging me into a matter that does not involve me and by getting another person at my place of work involved in business that is personal for my husband and does not affect me or the company I work at.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: LAND HOME FINANCIAL SERVICES
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I received and signed the attached loan estimate and closing disclosure statements with this lender for a mortgage which stated a monthly mortgage insurance rate of {$220.00}. The final closing disclosure statement increased the monthly mortgage insurance rate to {$270.00} with no explanation or change in circumstances XXXX days before our closing. This means that tomorrow I will be forced to accept this last minute increase so that I do not lose the home or I have to forego the closing and I do n't really know what would happen to my paid deposits, appraisal fees, inspection fees, etc. It should not be legal to change the mortgage insurance once the closing disclosure is signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Everest Receivable Services Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me 5-6 times a day asking for an address to send legal paperwork to. Then they tell me that they can only discuss what the paperwork is about and update my information if I provide them with the last XXXX of my social security number. They said they have the entire number in front of them but federal law requires that I verify my identity by telling then the last XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: BlueChip Financial
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I obtained a loan thru Spot Loan for the amount of {$800.00} and was making regular payments to pay back until I loss my job. I was unable to pay back the remaining so in-turn they charged all the fees you can imagine to it and turned it over to a debt collection agency know as XXXX. I initiated a payment plan with them to settle my debt which was then well close to, if not over a {$1000.00}. I began a regular payment plan bi-weekly over several months paying it down to over half of what was owed. Then my bank sent me a new bank card with a chip and a payment did not go thru. So they contacted me and I gave them the new account info and re-established the payments again. However, when a payment did not go thru ( which was over a holiday ), they contacted me again. So I asked them to reschedule the payment again on a specific date which was the following XXXX. However, the agent ( XXXX ) became very rude and told me " we do n't want your money '', then hung up the phone. I was left with no other choice at that point. So since then, I have been receiving phone calls day and night at home and now, just today, at my place of employment. The lady ( XXXX ) told me she was calling to collect a debt and I told her Not to call me at my place of work again and she then told me " Well you are going to pay this back one way or the other so Good luck '' and hung up. I am overwhelmed with stress from all these calls demanding payment. No consumer should have to be treated this way. 

Sincerely -

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 2016-09-22
Company: ACS Education Services
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I attended an off campus adult program, run by XXXX XXXX campus. The courses were given at a XXXX school, and was a BA program for adults. I received my share of Pell and TAP. And everything was costing me nothing out of pocket. After 2 or 3 semesters, we where told the program was ending, and we had to continue our courses, at the main campus. The problem with this is the tuition rose to XXXX a semester, and I was forced to take out loans. I 'm now over {$50000.00} in student loan debt. And I received not a dime. Nor was I able to continue. I would like this loan forgiven due to the fact the actual school and or program was shutting down and moved resulting in higher cost. Which I did n't sign up for. Please I 've been fighting this for numerous years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have no recollection of this collection. NCA. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. 

NCA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've contacted Online Information Services by mailed letter on two occasions to resolve my issue. Both times the company disregarded my concerns and stated that they have no legal mandate to investigate my concerns any further than what they did. I sent my first letter by mail on XX/XX/2021, advising that the information contained in the account that is on my credit report is incorrect, and contains errors. The company 's response to my letter was a bill, that also contained errors. I reached back out to the company advising that a photocopy of a bill was not debt validation and does not prove that I owe the said debt. The company then responded again stating that they are not required to validate the debt any further, even with the errors it contained, proving I am not the account holder. MY rights as a consumer are for the debt collection company to provide actual PROOF that I am the account holder and that all areas of the account must be true and accurate, free from errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: National Credit Adjusters, LLC
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 was contacted on the telephone by an agent from National Credit Adjusters in XX/XX/XXXX. They said they were trying to collect on a debt that was overdue for over a year. I never received any information and was told that it was because they must not have a current address to explain why I had n't received mail and that they had tracked down my phone number. I asked for details and they claim it was from a cashed check at XXXX XXXX. The bank account she referenced has been closed for over a decade and the address referenced was also over a decade old. I asked for written details and gave them my current address. She explained that I would need to file a fraud report in order to not be liable. In the process of trying to collect additional information required to file a report with the police, I pulled my credit report from all XXXX agencies only to discover that this debt in collection does n't appear on any reports. I went online to research the company and discovered that there were quite a few complaints against the company for similar incidents. I believe they are trying to collect on a fictitious debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: Penn Credit Corporation
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/16, I received a letter from Penn Credit Corp stating that this was a debt collection for a deposit of {$1500.00} made to my bank account by " Checks by Phone ''. I have never even heard of " Checks by Phone '', and have most certainly never received any kind of deposit from them. The letter was dated XXXX/XXXX/16, but the supposed deposit was dated XXXX/XXXX/16 - that is n't even possible. When I searched for Penn Credit ( aka Penncredit ), I found pages of complaints from other consumers. This is a completely fictitious, fabricated " debt ''.

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