BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-03
Company: DISCOVER BANK
State: NY
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:
After submitting multiple reports, phone calls, emails, etc. it is apparent that Discover will not compromise or help out my situation at all. I have tried everything in my power as a consumer to get them to negotiate my interest rates, apply for the hardship assistance program, only to have them tell me that I do not qualify and they will not budge. 

This is nothing short of Loan Sharking, and it will not stand. I am a human being and deserve to have consumer rights. If I do n't apply for hardship assistance, working/owning XXXX full time businesses, while not being able to afford groceries, rent, phone, or any other expense besides my student loans. I do not miss my payments. I pay between $ XXXX {$1200.00} with all my student loans combined ; Discover is charging me 8.875 % for a {$11000.00} loan and 7.125 % on a {$19000.00} loan. When I ask to apply for the Hardship Assistance program ; interest rates are reduced temporarily with a {$50.00} per month payment, they say that I do not qualify. 

I made less than {$20000.00} dollars last year. If I do n't apply, who does? Where is the justice system? How are they allowed to get away with Loan Sharking and such fraudulent behavior? If college is a debt sentence, the said debt should be reasonable and not astronomical. Taking advantage of the youth by having them sign papers they do n't understand because they need to pay for college is Loan Sharking. 

Shame on you Discover. It is not secret that all they care about is their bottom line, and the people are just numbers to improve that. It does n't matter if they ca n't afford groceries. At the very least, bare minimum, these companies should be held accountable and made to refinance these outrageous loans that are somehow legal. When we talk about justice, how is it just to have a multi-billion dollar company handcuff a citizen below the poverty line. If someone below the poverty line ca n't refinance their loans, I want to know who can? 

Enough is enough. If the companies themselves wo n't budge an inch, it 's time for our government to step in and protect the people for once.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: DISCOVER BANK
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
During the application process Discover gave the option to add a cosigner to my application. In my attempts to do so ( because it would n't let me ) I did what any reasonable prudent person would do and followed the prompt to the next screen thinking that it would give the option to add my cosigner there ( like every other student loan site ). However, the application came back immediately denied with no option to add a cosigner. In my attempts to fix this by contacting support discover admitted it was there mistake and said they would offer no solution in fixing it until I receive a letter two weeks from today. This was misleading and fraud in the way that it was advertised and no prompts on the website explained the cosigner aspect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13
Company: CAPITOL TITLE INSURANCE AGENCY, INC.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I Purchased a home XX/XX/2014 ... the title company I used for closing was suppose to record the title with XXXX XXXX XXXX XXXX. It is now XXXX and the title was never recorded. I was trying to refinance with my current lender for lower payments and rate, but due to the title company not having my title recorded my deal had to be rejected because they have been dragging their feet in recording my title. 
TITLE COMPANY : CAPITOL TITLEXXXX XXXX MD XXXXCONTACT : XXXX XXXXCONTACT NUMBER : XXXX

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 2017-01-06
Company: The Law Office of Edwin B. Parry
State: UT
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a summons from XXXX XXXX XXXX the attorney for XXXX XXXX XXXX in regards to an outstanding medical debt of {$77.00}. The summons stated that with collection and attorney fees, I owed {$350.00}. When I called the office of Edwin B Parry today, XXXX/XXXX/17, to discuss settling the matter prior to judgment, I was told by XXXX that to halt the judgment the full balance had to be paid today. The amount XXXX said had to be paid to halt the judgment was over {$400.00}. I was driving at the time so was unable to write down the exact amount but the amount he said would be required to halt the judgment was well over the amount listed in the summons. I stated that amount was more than 4 times the amount of the outstanding medical debt. I asked if the amount could be settled on and was told no. XXXX also stated that payment had to be made today to halt judgment. I stated that I would n't be able to remit payment until the XXXX and XXXX told me that if payment was n't made today the judgment would be submitted. I again stated that I would n't be able to remit payment for 2 weeks, and asked if he was unable to accept the arrangement if that was n't someone there who could. I was placed on hold and when XXXX returned he stated that he could n't accept an arrangement because I 'd refused information on the call. When I stated that I had n't refused to provide anything I 'd simply stated what my intention of calling was when he 'd answered the call 5 minutes prior. I stated that if he 's telling me that I ca n't work out a payment arrangement because of a question he 'd asked over 5 minutes ago that seemed pretty catty. I told him that if additional information is required to work out an arrangement is required, then I can simply provide that information. XXXX stated that this call was n't going anywhere and disconnected the call. I called back and asked to speak to someone else where I was transferred to someone 's voicemail, and have yet to receive a returned phone call. The amount that XXXX demanded to halt legal action was inconsistent with the amount listed on the summons and legal action was threatened if that amount was n't paid in full today. This is deceptive and abusive.

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
Consumer complaint received 2020-10-06
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2020, I applied online for a short term loan with Speedy Cash ( in the amount of {$750.00} ). 

The online application offered me two options how to repay the loan - ( 1 ) Monthly or, ( 2 ) Bi-weekly. I selected monthly. It was my understanding that I was giving Speedy Cash authorization to withdraw One ( 1 ) monthly payment in the amount of {$210.00}. Speedy Cash online application gave the impression that there would be only One ( 1 )  withdrawal on the XXXX of each month. 

The first monthly withdrawal occurred on XX/XX/2020 in the amount of {$210.00}. 

On XX/XX/2020, Speedy Cash was not authorized, by me, to withdraw {$210.00} from my account. 

On XX/XX/2020, I contacted Speedy Cash numerous times to inquire why they prematurely withdrew funds from my account without my consent. In my phone conversation with Speedy Cash personnel ( XXXX, XXXX and several others ) I learned there was discrepancies and issues that I never approved. I requested clarification, but their response was uncooperative and vague. They gave me " the run-around '' and would not be forthcoming as I demanded information and answers. Further, I specifically requested Speedy Cash to email or furnish my online application of XX/XX/2020, to compare and verify that Speedy cash was in error. 

I would like to point out that Speedy Cash 's online application disclosure ( s ) were vague, misleading, broad and misrepresents a " Truth and Lending '' provision. 

For example, I sought to remedy and resolve the matter with Speedy Cash respectfully asking for a correction of the problem. To resolve the matter, I asked to be reimbursed my {$210.00}, since I did not authorize the premature withdrawal. I offered a solution to resolve my dispute, i.e., to withdraw One ( 1 ) monthly payment from my account on the XXXX of each month. Also, I gave authorization to Speedy Cash to make payment withdrawals once per month on the XXXX. Speedy Cash stated that I could not change the error, and therefore, I will be binded to two withdrawals each month - which I did not authorize. 

Finally, I am asking CFPB to conduct an inquiry into the business practices of Speedy Cash to ascertain whether they have violated Regulation Z and the Truth and Lending Act, which protect consumers under 12 CFR 1026. 

Please keep me informed to the status of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Seterus, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I previously had XXXX XXXX XXXX as my mortgage company but in 2015 after losing or misdirecting my 'pay in advance ' monthly payments - I asked permission to pay in advance and credited to payments and NOT principal. However, again they continued to misdirect or lose payments and actually put my house in foreclosure even that I was paid in advance by 2 or 3 months! Then to stop the ( BOGUS ) foreclosure I not only sent the excessive amount to stop the foreclosure- I had to send it TWICE because they credited the money to someone elses account! Now the new company Seterus continues to harass me with bogus charges for over {$1600.00} because they claim I dont have insurance on my house! I called my insurance company even sent them bills and they continue the harassment of either raising my monthly payments, not giving me credit for the monthly preprepayments and cashing XXXX checks they are n't entitled to to stop a foreclosure that is n't even valid because I paid months in advance my mortgage. I call XXXX, write and nothing is corrected and its cost me over {$5000.00}. just to Attempt TO STRAIGHTEN THINGS OUT - BUT ALL THEIR RESPONSE CLAIMS THEY DID NO WRONG AND THAT I SHOULD OF ASKED FOR PERMISSION ( WHICH I DID XXXX 2015 ) TO MAKE PREPAYMENTS TO MY MORTGAGE MONTHS IN ADVANCE )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I have a debt collection company calling my employer. I just reported XXXX company maybe a month ago and they stopped and clearly gave my information over to another company since they could no longer call my employer. I need this to stop permanently. I ca n't have these sorts of calls coming into my work office. My employer 's phone number is not my phone number, which means they 're knowingly contacting me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: WLCC
State: MN
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
On XXXX/XXXX/16 I logged in to Arrowheadadvance.com to check my payment date is it said XXXX/XXXX/16. My account was debited {$120.00} on XXXX/XXXX/16. I have already paid over {$510.00} in fees on XXXX loans. The website did n't align with the debits. Arrowheadadvance is not licensed to lend in Minnesota and is charging usury fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have a mortgage that is serviced by XXXX/XXXX XXXX. In XXXX of 2020 I got buried with major home repairs and some minor medical bills and got behind on my mortgage. I was able to bring everything current and on time by XXXX of 2020 and have been perfect since. My Experian credit report says " XX/XX/2020 Foreclosure Started '' but uses no language to indicate that the process was terminated or otherwise stopped when the mortgage was brought current. I am selling the house and the buyers mortgage company is concerned that there is a looming legal process clouding the deed and title, and I am unable to secure a mortgage to buy my next home because of the failure or refusal to adjust the Experian credit file. The payment schedule clearly shows the months when the payment was late, the written statement about foreclosure procedure starting is in addition to that schedule. They should add language " foreclosure proceedings aborted or ended '' or remove the the written language about it starting. It is a problem and it is costly to both me and the buyer of my home. I may lose this sale.

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 2016-06-29
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
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:
The collection agency Aspire reported to all XXXX credit bureaus that I was over 100 days delinquent in scheduled payments to them for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never made any payment arrangements with them nor was I contacted by them to schedule any payments or to inform me that I was being billed. It was not until I checked my credit score that I realized what they did. Upon speaking to them, they made my account current up to XXXX/XXXX/2016 due to an in-school deferral, but they refuse to remove the late payment delinquencies on my credit for XX/XX/XXXX and XX/XX/XXXX, when I informed them that the information was erroneous they said there was nothing that they can do, because from their end the information was accurate.

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 2016-11-18
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I talk to XXXX man and transfer me me another guy .the other they transfer me to was rude and yelling at me treating me that there taking legal action. I stated how do I know this could be a scam and I look up the phone number and people stated something things about them. He started getting loud and saying then just wait and see what happens and that this was my fault you should pay your bills.then he called my sister and then my father twice and harassing them on the phone. He never stated where he was from and what company. It 's stressing me out and I am having sleepless nights BC they keep calling. 
They asking for my personal from family also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: General Motors Financial Company, Inc.
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
account has been closed and no amount is due, it is over 7 years, contacted the company my self and no help was received I was told I have to just let item fall off and they would not give me any further assistance on how to remove item from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: First National Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I never open an account with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Aargon Agency, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Around XX/XX/XXXX, I submitted a complaint ( XXXX ) via CFPB regarding Aargon Collection Agency 's fraudulent collection practices. Included in this complaint was a cease and desist. I received a response and I followed up via email. 

On XXXX, I sent an email attaching my request for information for this alleged debt along with my identity theft affidavit. I received a response the same day : Email from Aargon Collection received XX/XX/XXXX around XXXX ( identifying information has been removed ) Thank you for reaching out to me directly. I have not seen a previous request to cease & desist calling, or allegations of identity theft with the open accounts before. We have had XXXX ****** accounts forwarded to our office to assist in collecting and 35 are currently open. Our office does not own the accounts and collects on behalf of our clients, which we have business agreements with. We obtained the itemized statements from our client for the 35 accounts and are in the process of mailing them to you with the verification letters in response to your CFPB dispute. The itemized statements show that medical insurance was used and paid- the remainder being co-pays. Are you wanting a theft packet to assist us and our client in the investigation into your current identity theft allegations? 


Around XX/XX/XXXX, I received two large envelopes addressed from " XXXX. '' BOTH ENVELOPES WERE POORLY SEALED AND OPENED WHEN I RETRIEVED THEM. I don't know who my personal health information has bee exposed to at this point. Upon opening these envelopes, I was shocked to find copies of my medical services received on various dates from my health care provider, a total of 35. These letters included my personal patient information, medical condition details, medical id, etc. The letters also state that they are " itemization of services '' and not a bill. Please explain to me how Aargon is collecting on UNVERIFIED DEBT. A summation of services is not validation of debt. 

This is not a duplicate complaint. I am submitting this report on my own behalf. Please forward this complaint to Aargon Agency.

I have never signed a HIPAA release form to release my private medical records to this company. This is a blatant Hipaa violation. HIPAA protects my privacy and medical records from being used without my consent and I plan to file every complaint within my right and file suit as appropriate. 

This company not only illegally possesses my personal health information, they have shared information to credit reporting agencies without my consent or verification of the alleged I am attaching an example of the mailed correspondences I received. 

I will pursue legal remedy for these violations.

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 2021-08-10
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have made multiple attempts to resolve this issue with Jefferson capital, i have provided proof of legal documents stating i have been a victim of indentity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with Rocket Mortgage - it is a refi from a year ago. Over the last week I received approximately 10 phone calls and voice mails on a refi with them, even though it has only been a year since my refi. I finally, answer the last call and the sales person asked for 10 mins- I gave it to him. I told him no, clear and plainly. For me, the closing cost weren't worth it. 
5 days later, the loan paperwork can via XXXX. I immediately called them to stop the loan. They sent me to another salesman. He argued with me, got anger because I wouldn't agree to the loan. Statements like " why would I want to save money. '' He was getting more upset. 
Playing anger is a con for older people, so much so, that they will sign to appease the salesperson. I just wanted to make sure the loan process that I didn't signed up for wasn't happening. My question was never answered by him. He hung up on me with a rude tone. I called rocket mortgage back to speak to a supervisor to file a complaint, and to make sure that there was no loan in process. He said the numbers were started and that they would handle it internally. I have my doubts. If I wasn't paying off my mortgage sooner then later, I would refi with a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have a collection placed on my equifax by : XXXX. I sent a letter to the collection agency with a request for full debt validation on XXXX XXXX, XXXX. They received my request on XXXX/XXXX/XXXX ( I have all receipts sent by registered mail ). They sent back the total charges billed provider. However that is not a validation of the debt as described with the Fair Debt Collection Practices Act. There is no description of services rendered, explanation of how the alleged amount was calculated including interest, no copy of any signed agreement between me and the billing agency, nor was a complete payment history present with the original creditor. I sent out another letter again, requesting for validation of the debt, they had thirty days to respond according to the FAIR CREDIT REPORTING ACT. They received the second request on XXXX/XXXX/XXXX and never responded. I sent the receipts and a letter to equifax that the thirty days passed and I received no validation of my debt and I had asked equifax to remove this collection immediately. Equifax never responded to my dispute ; it has been over six months. This is not a valid collection and it needs to be removed of my credit, there are many violations in place here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I received a letter from XXXX XXXX ( reference # XXXX ) indicating I was denied for an XXXX that I did not apply for ( denial letter attached ). This inquiry is on my credit file as well. Please investigate the authorization of this inquiry and forward findings to my attention at my mailing address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX. 
Not only is my concern that I did not authorize this inquiry but that that this inquiry used my employer 's mailing address. 
Your prompt attention is appreciated.

Company response to consumer: Closed with explanation