BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-17
Company: ACS Education Services
State: IL
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:
My name is XXXX XXXX. I attended University XXXX XXXX and XXXX XXXX University Online classes XXXX. I graduated XXXX XXXX. If I could go back in time and reconsider I would NOT attend college. For XXXX reasons, the debt that I am left with now is IMPOSSIBLE to pay back in full before I die and the second is that education is NOT recognized in the workforce and it 's useless. I have NOT landed a job to utilize my degree credentials since I 've graduated 6 years ago. 
I divorced in XXXX and the loans I took out prior to that were based on my ex-husbands income and now I struggle as a single mom of XXXX kids trying to stay afloat in our expensive economy. I have done forbearance that just got me more interest and higher amounts owed. I then went to repayment by income, I make my small payments as required but I can NOT buy a home so that my payments are smaller than renting. My total debt to income ratio is too high and causes me to have a lower credit score. This student debt is consuming my every chance in life to succeed as a mother and a working citizen. 
I am just asking for some help. Student loans are NOT feasible for anyone 's future. I have to say if I could give back my degrees in exchange for my debt relief I would in a heartbeat. I want to ask a couple of questions, if someone is unable to pay back their student loans and go into forbearance or loan deferment status 's, why on earth would they be charged additional fees on top of what they are currently unable to pay? Loan establishments are greedy and nobody truly cares about our country success! This is a manipulative vicious cycle that sets us up those who are actually trying to make a difference in our own lives as well as others for complete FAILURE. 
NOW, I am against college or furthering knowledge beyond high school with this as my own personal experience from trying to do the right thing in life and show my kids the importance of higher education. I have to have XXXX jobs just to make ends meet providing a life for me and my kids barely making XXXX a year. 
Is there anything I qualify for that I am not aware of to get some assistance in student loan debt relief? I am at the last point here, I do n't want to struggle any longer I 'm not asking to be rich, I am asking for any help in eliminating some or all of my student debt if at all possible. Like I said before I 'll give back my degrees as they are no longer of importance to me. 
Also student loans are confusing, I believe I have both federal and private loans totally over {$64000.00} only to walk away with an XXXX and XXXX that are not acknowledged for me to get a job. I 'd appreciate any correspondence regarding my issues and pray to XXXX that I 'm taking seriously and receive some sort of assistance in digging out of underneath this impossible student debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I get a medical bills on my credit report who was send to collection without my knowledge. Now I received some treated calls all the time with some harassment and legal action going to be take about me. I want all this stress to stop immediately. They even calls my cellphone during working hours.

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 2016-01-13
Company: Dynamic Recovery Solutions, LLC
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:
They keep calling me looking for an ex-employee from years ago. I have responded and requested they remove my phone number ; said they would but continue to call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-18
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at XXXX and after XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My judgement was satisfied, XX/XX/XXXX with Hunt and Henriques. 
According to the XXXX : H & H failed to : Release Document, Put County Name on Doc, Record Abstract, Record Instrument # On Doc, Failed To Report A Lien On Property ( Still There ). I sent original to XXXX XX/XX/XXXX who upon receipt told me, " Doc was never released, lien is active, Doc was prepared incorrectly and Recorder had to it return to Hunt and Henriques. '' ( I thought H & H had taken care of this over a year ago. ) To date, H & H has failed to return calls to recorders office or return the corrected and updated Satisfaction of Judgement. This has damaged my credit, and reputation ( XXXX shows my judgement as active on line ), XXXX just corrected XXXX over a year after I paid, and takes no responsibility for the Collectors ' actions, and the property shows an active lien. The property is unable to be sold with the lien.

Company response to consumer: Closed
Consumer complaint received 2015-06-12
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I traded my XXXX XXXX XXXX LEASE for a new XXXX XXXX XXXX XXXX, XXXX. I sign all the paperwork and take the car home. Aweek later I receive a call to come in. I get pressured to sign newcontract with a higher payment due to some error. I could not leave thepremises until I signed this paperwork. I later find out it was due to KIA notFUNDING my new loan. It took KIA several months later to FUND thisloan. I put in a previous complaint against KIA and they have nowremoved these lates from my credit. This complaint is for the higherpayment that I was forced to sign for their mistake. Now that the lateshave been removed, I should be able to have the original terms offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I contacted Experian Credit Agency on XX/XX/2021 to dispute the duplication of all my student loans. The problem is my student loans were all consolidated a year ago, I tried to explain to Experian on four other occasions that all of the individual tradelines for Navient, US DEPT, XXXX, have all been consolidated into the one loan now. The consolidated loan is also being reported as well. DEPT of ED/XXXX  is the new loan 's trade line entry. All my loans have been duplicated and they should not be.

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 2015-05-20
Company: Cottonwood Financial Ltd.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I got a phone call from a woman from XXXX XXXX XXXX saying i took out a payday loan from the cash store. They told me they were an installment loan place. the lady told me i was going to be charged with a misdemeanor and go to jail as well get sued. she got very nasty with me yelling at me and reading stuff off of my credit report. she called me at my place of business i asked her not to and she said they could do whatever they want. I asked her to mail me documentation on her allegations and she said no she would just have my county proceed with charging me. I know my rights but for someone who doesnt know this could have been very scary. the amount she said i owe is more than XXXX of what i borrowed. i did make payments towards it when i got it as well. I hope they are investigated and learn that you can not talk to consumers in that way. threatening is no way to collect a debt, i worked collections for many years. i asked to speak to a supervisor and the rep proceeded to tell me she was the owner of the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: Delray Capital, LLC
State: MI
Product: Payday loan
Issue: Can't contact lender

Complaint:
I am being contacted from a collection agency that states that I recieved a pay loan from a company that I never applied to or recieved money from. Delray Capital been harrassing me stating that I owe their client money from a loan on XXXX XXXX 2013. I asked who was the company and they state that I wouldnt know the company because they bought the loan from the originator but wouldnt tell me that company name. The rep XXXX XXXX ext XXXX stated that the loan amount was XXXX but with fess I owe XXXX dollars. He stated that if I sent in proof there was nothing deposited I will be fine. I sent in proof that there was no deposit and he got is " manager '' XXXX on the phone who proceeded to begin threating me and my identity ie ssn, DL etc. I was told they will get their client money. I have never recieved any money from the online pay company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Receivables Outsourcing, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I XXXX XXXX believes that the Fair Debt Collection Practices Act is being violated with a collection on a medical debt that has not been proved with true copy originality submitted to me. Secondly, in 2015 the Consumer Financial Protection Bureau worked out an arrangement with the national credit bureaus such as XXXX, that a 180-day notice would be submitted to validate a medical debt, and that the debt would not be posted against a person 's credit report until the 180-day notice expired, thus giving the consumer the ability to have his/her insurance pay the claim or satisfy the claim by other means. This collection is not only a violation of the FDCPA but of the Fair Credit Reporting Act as well. The collection must be erased from my credit profile immediately, and if this collection is valid, a complete attachment of documents must be submitted along with the transfer of either ownership or power of attorney to collect the debt if indeed it is valid. Therefore, this account must be deleted immediately and permanently!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
On XX/XX/2021 a vehicle was purchased at XXXX XXXX in XXXX, Alabama. The amount advertised was {$18000.00} and the amount financed is {$19000.00}. By the time I will be done paying for the vehicle, I would have paid {$38000.00}. I have reached out to the company via mail to get the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: BANK OF THE WEST
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
The Bank of the West loan reports on my credit as " Charged-Off ''. However this loan should never have been " Charged-Off '' as I was covered by GAP Insurance. 

In addition to this erroneous reporting ; My report dated XXXX XXXX, XXXX reported this item as charged-off XX/XX/XXXX. Bank of the West has now changed the charged-off date to XX/XX/XXXX and then again for the 3rd time with a new charged-off of XX/XX/XXXX. This company clearly keeps reporting erroneous inaccurate information on my credit report. 

This new charge-off date has dramatically lowered my credit rating/score and has damaged me greatly. Potential creditors see this as a " NEW '' item that is in default ; which should NEVER have been reported as " Charged-Off '' in the first place. 

Re-aging an item is a violation of the FCRA. Furthermore this erroneous information has caused me to be turned down for home financing. 

The reporting also shows a balance of {$250.00}. I was never notified of a due balance because I had GAP insurance, there should not have been a due balance. 

I 've disputed this erroneous item with XXXX, XXXX and XXXX and Bank of the West has verified that the information is accurate. Which clearly is not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Mountain Land Collections, Inc.
State: UT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Complaint : I have never received a statement from XXXX. I pulled my credit report the other day and noticed that there is a collection account on my credit report that I am very unhappy about. This Collection account reports back to the year 2015. I called XXXX today to discuss this and they could n't even answer my questions. I have no idea who they are. I have never received a statement from them nor have they even contacted me. I need to know what this is all about. I am very upset because this is damaging my credit. I paid them in full since it was a small amount, and ask them if they would remove all negatives on my credit report, with a " office policys say no ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AR
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: Investigation took more than 30 days

Complaint:
MY PAYMENT WITH BAYVIEW WAS REPORTED 30 DAYS LATE ON XXXX  IN XX/XX/2017. THAT IS NOT CORRECT. MY PAYMENT WAS NOT LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Nationwide Biweekly Administration, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationwide Biweekly stopped servicing the " Interest Minimizer '' program. I asked for a refund since they are not providing the service anymore and I only used the service for 1 year of the 25 years that the program should last. They have said several times that they will provide the service again but they do not do it. I have been asking for a refund for about a year and they do not pay any attention to my claim. They just answer that they will provide the service in the future but they do n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX our account had {$180.00} without anything being in the negative the bank took out {$140.00} for Overdraft fees and still never showed a negative. We had XXXX pending items XXXX XXXX which was going to be credit back in a couple days for {$180.00}. Our account never showed negative, and they never had to cover this item. The bank is telling me they wont refund our money. We feel as if they stole our money. I dont understand how with something pending how they can automatically charge you a OD payment with the item was not yet paid by them. This was a error and it was corrected as well as why are we being charge OD fees when they didnt have to cover anything?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-16
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: Account information incorrect

Complaint:
CREDITACPT XXXX Balance Owed : {$10000.00} This account was involved in litigation and do not belong to me. I never established these accounts. This account was a result of fraud. I was contacted by a collection agency regarding the account that was obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I had already sold my home  and Vanderbilt Mortgage had been contacted by the closing company for the payoff. It is a cash sale. On the   XXXX  of  XXXX    XXXX   a young woman named  XXXX  called me on the phone stating I would have to pay  XXXX  on my loan or they would start foreclosure next week and I would be responsible for legal fees I got a foreclosure letter today on the  XXXX  and discovered I had until the  XXXX  of  XXXX   XXXX  to bring it up to date.

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 2017-03-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have an equity loan with USAA and set up an automatic payment from a USAA account. On XXXX XXXX, I see in BIG RED LETTERS that my account is overdue. I am a XXXX veteran who has NEVER had a payment overdue by one minute much less than three days. After calling USAA, they tell me their system is down. However, that does not resolve that my account is over due. I made a manual payment and yet it will still and always be reflected as overdue. Furthermore the bank was of the mind that it was no big deal. That they can not fix a computer error at the snap of their fingers, their words. This is huge. While it wo n't affect my credit and I paid before any late fees were assessed, it will show 1-30 days late and has already attacked my integrity. The BIG RES LETTERS did not say we have a an issue and will make payment .. it said that the account is overdue

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Augusta Collection Agency, Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act AUGUSTA COLLECTION AGENCY XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: SYNCHRONY FINANCIAL
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2016-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capital One calls every other hour from different numbers. I spoke with them once saying when I could pay. They said they would note my time but still have been calling consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
PayPal credit does not allocate refunds from the original purchase for a Special Promotion. Instead, refunds can be applied to any Special Promotion or any revolving balance.

I have a Special Promotion the expires in XXXX that still has a balance due, even though the entire purchase was returned. Instead of applying the merchants refund to that specific purchase, the refund was allocating toward another Special Promotion, not even the same merchant, that is not expiring until XXXX. 

This is only one example, this happen consistently with PayPal Credit. Making it virtual impossible to pay off any Special Promotion in a timely manner. They also do not allow a consumer to request ahead of time where they want those refunds allocated. 

I have found that many merchants that offer these type of promotions, have set these payment systems up to deceive, confuse and ensure the banks will receive the most amount of money possible with no regard to the consumer.

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