BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am enrolled in an automatic debit payment plan with Navient. They take XXXX out of my account on the XXXX of every month. They are claiming that I am late in my payments and charging me a late fee for my loans because even though the date they take the loans out of my account is on the XXXX, my due date is actually set up on the XXXX. This was unknown to me when I set up the payment plan. I have contacted them over 5 times about this and the past 3 attempts to fix it, someone at Navient has said they were going to refund my late fee and fix the issue however that has yet to happen. I am concerned because I am getting charged a late fee when I do n't feel like it is fair to charge me a late fee, and it is affecting my credit and also hurting my chances of releasing my co-signers which requires 24 months of consecutive non late payment. Navient has set up my monthly debit payment in a way that it is taking more money from me and making it impossible for me to advance further in my economic independence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Billing statement

Complaint:
I opened a new chase XXXX preferred card a few moths ago. I figured it would be a good card for when I traveled abroad. Before I left on my trip, I signed up for their autopay program. I was gone for XXXX weeks. When I came home, I noticed that I had a balance from the previous month. I called chase, and the rep told me there are some purchases that do n't qualify for autopay. I had no idea why, but I felt I had no choice to pay the interest. If I had made a mistake not reading some fine print, it was my fault. I called them back and asked the rep to use my bank account to pay off my balance. He said he would take care of everything. My balance and any interest charges I owe would be taken care of. This was 3 months ago. I have since received a couple of hundred dollar charges on every statement received after. When I inquire about it, they tell me they are residual interest charges. Not sure why I 'm paying residual charges when everything should be paid off and I was specifically told by the representative that I would be starting on a clean slate after I paid off my balance. I 've had many credit cards over the last XXXX years. I 've never XXXX paid interest until 3 mouths ago. Very frustrating to deal with their customer service. They are charging bogus charges to make money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Amsher Collection Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
It started with a debt that XXXX XXXX XXXX ( XXXX ) said that I owed when they made false claims to get me to renew. When I called back to cancel and explain my situation they said sorry and that I was out of my contract and I had to just return my equipment to their store. I went and returned my equipment to their store at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. At that point I asked if I was good and didn't need to do anything else to be done with them and they said I was good so I left. I then received a bill from them for the services I didn't request so I called and they said it was their mistake and that I was relieved of what they said I owed. This was back in Fall/Winter of XXXX. I then received a few months later letters and calls from XXXX XXXX XXXX, a debt collector, I had to go through a whole process and lots of time ( almost a full days work ) to get them to say their collections are done and that they wouldn't report me to a credit bureau. This letter came on XX/XX/XXXX. I thought this was handled then in XX/XX/XXXX I got a call from AmSher saying I owed debt told them my situation and that I already handled this and won't do it again and to stop contacting me. They continued contacting me so I sent them my information on the previous collection efforts to show that I didn't owe anything. Then they said they would stop contacting me but nothing else was handled and I feel that this is harassment by XXXX XXXX to try and collect a debt that isn't owed to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several items that are in quetion and are reported wrong that should be deleted. There is a letter attached to explain

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 2015-04-13
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
a mortgage co bought out my mortgage and kept putting partial payments in an account they called " unapplied funds '' even though I told them it was extra principle over and over again. when they finally applied the funds correctly, they cheated by not applying them to the correct month. as a result the discrepancy continues growing each month despite my constant complaints

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-21
Company: SLM CORPORATION
State: CT
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 have a loan with Sallie Mae that i signed with a cosigner to help me pay for college. I have never adjusted the original terms of the loan since I took it out, even though I make only {$20000.00} a year. I called to ask for lower monthly payments from the current {$340.00} a month that I pay. This amount is nearly 20 % of my monthly income and does not even include my XXXX other student loan payments. The other XXXX I have allowed me to be put on an income based repayment plan, but not Sallie Mae. ( Not to mention my Sallie Mae loan has an interest rate 3 % -4 % higher than any of my other loans ) I have been a good borrower in the 5 years since I left college yet they refuse to work with me. The only option they offer is deferment. Putting the loan on hold for 3 months while still collecting interest is not going to be a long term solution for me. Yes, they would love it if I kept putting my loan on deferment I 'm sure because it means more money in their pocket. They do n't care it does absolutely nothing to help the borrower. 

The lender is supposed to be serving the borrower, not the other way around. My experiences with this company have been nothing but awful. I would recommend anyone who needs a loan, student or otherwise, to get it anywhere else but Sallie Mae. I have never dealt with such a horrible company in my life. I call ahead of time to let them know I ca n't make the payment and they tell me that the collections department wont even speak to me until I let my loan payment go late. Once it goes late however, they have no problem harassing me 7 times a day. Then I call them back only to wait on hold for an hour and to be told that no changes will be made to my loan. 

I am now left in a position where I can continue to pay the loans and have nothing left over to try and improve my life ( like finishing the few classes I have left on my degree, or moving into my own apartment ) or I can destroy my credit while improving my situation, because the XXXX loan i have that takes up 20 % of my income refuses to help a proven good borrower. Learn from my experience and do yourself a favor. NEVER get a loan with Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am a recent graduate of the University XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, FL. I applied for a Sallie Mae XXXX study loan in XXXX. I was approved with a cosigner. After approval, Sallie Mae needed my cosigner to electronically sign the note. My cosigner was unable to electronically sign due to an ongoing error with Sallie Mae 's website. We requested a paper copy of the paperwork be sent. Sallie Mae sent my cosigner documents which he signed and sent back. I was then informed by Sallie Mae that the paperwork they had sent was the wrong paperwork, and that they would need to send the proper forms. Despite informing me that the forms would be put in the mail multiple times since XXXX, nothing ever arrived to my cosigner. I call Sallie Mae on a daily basis and am shuffled around and transferred to multiple people, who seem unable to send out a simple form. It is now two months later and I am still waiting to obtain the funds from my loan. I am repeatedly promised that the problem is being handled, but no one has resolved this simple issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: Eagle Home Mortgage, LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was approved by Universal American Mortgage Company ( UAMC ) for a jumbo mortgage at 4 %. I was provided a cash to close summary and a good faith estimate. Without notice and just 23 days prior to closing I was told that my rate was 4.5 % yet rates had not changed in the marketplace. Facing being homeless, I locked in at this rate and was provided a new cash to close summary and good faith estimate to cover UAMC 's tracks. I was told the reason for the change was due to a drop in my credit score and some reference to a non-existent business loss. While there was a drop in my credit score from XXXX to XXXX, the XXXX still exceeded to requirements of the loan when I first applied. There was no loss in my business which the IRS can attest to based on the taxes paid to them on profits as an XXXX XXXX UAMC 's bait and switch tactic will cost me over {$38000.00} over the life of the loan. They are crooks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: Firstsource Business Process Services, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In late XXXX, early XXXX I went to XXXX XXXX XXXX in XXXX CA for an XXXX. Shortly after I lost my job and was not able to pay my bill and the account went into collections until I was able to pay. To my knowledge, I had paid my account in full of {$330.00} to XXXX financial services, and never showed on my credit report. 

Within the past year I have noticed that OneAdvantage is showing on my XXXX report for currently {$130.00} and Firstsource Advantage for {$130.00} on my XXXX report. These accounts ' amount increases over time and sometimes they are different amounts. They both say the original creditor is XXXX XXXX XXXX XXXX and that the account has been opened since XXXX of XXXX. 

To the best of my knowledge, I have paid all of my debts to XXXX XXXX XXXX. Neither of these collection agencies have ever contacted me by mail, or by phone. The only credit agency that has contacted me was XXXX, and like I said before, I paid my collection account in full. 

When I check the websites for these collection agencies, they ask for an account number in which I do not have - before I can move on further.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: ARS National Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
On Saturday XX/XX/2022 I was awakened by my phone at XXXX! Usually you get bad news at this time of the overnight/early morning. This was especially troubling to me as my sister just passed away XX/XX/2022 and I got the message in the early morning hour. So imagine my panic, nervousness, anxiety and stress as I reached for my phone. Once I saw the message my emotions went straight to anger, shock and disbelief! What debt collector has the nerve to contact someone at XXXXXXXX XXXX not to mention it was also XXXX XXXX XXXX weekend. I was and am beyond furious at this company 's bullying and harassment tactics! This is not acceptable on any level. The company even states on their website they can not contact you before XXXX or after XXXX. They are not following their own rules set forth by the Fair Debt Collection Law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
MY NAMES IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUEST.

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 2015-11-19
Company: SUNRISE CREDIT SERVICES, INC
State: FL
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:
In 2013 a have singed off my paper work for withdrawal from XXXX XXXX college in XXXX XXXX XXXX, this was a recommended procedure from carrier services because I have a job offer in a different city, at that moment I was confirmed/ instructed by this school the indicated procedure to avoid any charges, I have financial aid to cover my tuition, I 'm paying on time every month for it. XXXX college have put in collection amounts about my tuition, the information provided to me at that time is completely different today. 

I did contact with the school and I 'm still waiting they contact me back with any information, contacted the collection company the ask me to contact the school. 

1. - I had completed ( on time ) my paper work for withdrawal from the college. 
2. - I had done the procedure the school recommends me to do. 
3. - Amount mentioned do not make any sense, since I only had attended to XXXX chases. 
4. - actually I 'm paying for government financial aid for XXXX dollars. 
5. - Every month ( 3 month ) at school I did a payment for the difference between what the financial aid on my tuition. 
6. - They have in my files all my paper work including my official withdrawal ; I have never stopped attending to School. 
7. - A company is calling me and sending letters about collection from this school, I have asked to dispute the amount but they say I had 1 month to do it, this company called my about 2 years and 1/2 after and they stated they do n't have nothing to do If I ca n't dispute this case because the time is expired.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
The HARASS me everyday for money!!! I can not make the minumum payments, and they REFUSE to take anything lower. Its all or nothing with these clowns!!! I was lied too when i went to school, and have been THREATENED multiple times by these cowards via the phone. I HATE THEM! 

They will take your last penny and make sure you have no food to eat, and think everyone has a money tree in their yard! WOW, what a horrible company to work for. I would rather be homeless than work for these cowardly money sucking low lifes. 

I would have never went to college if I would have known this XXXX would happen, hows that make you feel!?!? 

They just refuse to help, refuse to let you pay back your loan based on what you make. They are no help, theyre horrible humans on the phone, and I wish nothing but the worst for them. 

You want {$800.00} a month and I make about {$17.00} grand a year and live at home ... cant even afford to move out because of you XXXX! 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Harvard Collections, LLC
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
HAVARD ONCE AGAIN VIOLATED FCRA, FDCPA, TCPA. FAIL TO ADHERE TO THE COLLECTIO AFTER CEASE AND DESIST.ORDER OF SAID ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: TRANSWORLD SYSTEMS INC
State: PA
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:
In XXXX, a package was shipped from me to XXXX with tracking # XXXX. Originally, I was going to drop it off at the XXXX store near me with paper packaging but was told it was unacceptable. They then re-packaged it for me in a large XXXX box to which I paid the full balance of at the store. I received a collections activity notice which I demand be stopped, as it is an invalid debt. The collections agency, Transworld Systems, put a 30 day dispute hold on my debt, but I 've been unable to contact XXXX directly about this. The invoice # is XXXX which again, I was told by the collections agency, is the only way to look up the original package due to being in collections. I wo n't pay a debt that I paid for at the XXXX ( in XXXX ). I want this dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Convergent Resources, Inc.
State: NY
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:
Convergent Outsourcing is reporting this account on my credit report for a collection with XXXX in the amount of {$140.00}. This account was previously owned by XXXX and I got it deleted from my credit report as it was a bogus account they could not properly validate or verify. Now I checked my credit report and saw the Convergent Outsourcing reported this account too. How can they do that without notifying me first?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I was involved in a car accident in XXXX XXXX. I ran into a NJ XXXX. I was not a resident of NJ. I attempted to get NJ driver 's license years later and they informed me of surcharges that I owe ( in excess of XXXX ). I filed for bankruptcy and my debts were discharged in XXXX XXXX. I was told that my debt was not discharged as it was a court judgment. I was directed to contact a third party collection agency. I was told that a {$7000.00} judgment was now XXXX, I paid a down payment of XXXX and agreed to pay XXXX p/m. I am on social security XXXX and I have a representative payee. She gives me her card to deduct the rent each month. Transworld Systems Inc is the name of the third party collection agency. They would not allow any other method of payment than direct deposit from your bank account. I gave them my Personal Reps ' debit card information. They attempted to collect from her account. The collection was granted 2 times and never since. ( they have been declined for 12 months and never said a word to me ). Transworld Systems Inc notified XXXX that I was in default and my driver 's license as well as my registration privileges are now suspended ; furthermore I learned that my social security benefits are exempt from collection methods.The company fails to report to XXXX that they are error and in violation of FDCA. My license and registration remain suspended.To this date I have not received XXXX document from them except the notices that they send each month for the past 12 months telling me that they are receiving the funds and to direct me to make sure the funds are available. 
The last notice I received was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed the issue with the credit reporting company and received NO response other than we will send it out today. We paid a judgement off XX/XX/XXXX and have not been able to be released on the lien/credit report as no Satisfaction of Judgement has every been received by myself, my wife, representatives or the courthouse. Please see attached letter to them for information on steps we 've taken to take care of this. This has been an ongoing battle for close to five years, but more recently more aggressive in obtaining it due to escrow. XXXX XXXX was attorney for Midland/MCM ( Collector ) for XXXX the original debtor. 
MCM # XXXX ; XXXX # XXXX ; XXXX XXXX ; XXXX Superior Court Case # XXXX FYI : XXXX XXXX mishandled many clients XX/XX/XXXX according to many articles online.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card
Issue: Other

Complaint:
I purchased an XXXX XXXX on XXXX XXXX, XXXX with my American Express Blue Card ( No. XXXX XXXX XXXX ). It proved almost immediately defective. I shipped it back to be repaired. The company billed me {$83.00}. I disputed this claim as the product was clearly defective. American Express agreed and reversed THAT charge. However, after an airplane flight early in XXXX the product proved defective yet again. I gave up on it as XXXX XXXX refused to fix it. I filed a dispute with American Express to get my money back ( I bought another XXXX from XXXX which has worked fine for over a year now ). 

The defective product should have been covered under American Express 's warranty programs. I treated the defective product in no way badly and it was only a few months old. American Express has refused to honor their warranty. ( The last Claim Number I have with American Express for this matter is XXXX ).

Company response to consumer: Closed with explanation