BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-02
Company: DISCOVER BANK
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I opened an account with Discover Bank and a bonus offer code of XXXX. Through this bonus if Discover Bank received an ACH deposit to my account for over XXXX dollars per month I would be eligible for a XXXX dollar bonus. I met these requirements as of XXXX 2015. Their fine print states that the bonus will be deposited within 30 days of fulfilling the deposit requirement. I opened my account XXXX XXXX 2015. 

I have spoken to Discover Bank on two different occasions now and they have not been clear about depositing the bonus owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My repayment amount was increased without my awareness by 32 %. This was not within my means. I contacted creditor and they said they " would fix it by next month '', and they did nothing. The next month I withheld payment. They reported XXXX delinquencies ( XXXX for every loan, but it is XXXX debt, XXXX creditor ). It crashed my credit rating by XXXX points. I am trying to buy a house with a State administered down payment assistance program, and this will disqualify me ( will lose {$18000.00} ). 

They say I am in graduated repayment program, that they got my consent for years ago. If this is the case they need to give borrowers notice ( with acknowledgement ) so they can prepare. Their website is quite capable of this, and they are also capable of this with borrowers that pay by mail. When contacted for assistance they force you to consent to terms ( I 'm not sure of the it is a lot of rapid verbal fine print from a script ) before preceding, effectively forcing borrowers to surrender rights. It is the actions of a predatory lender. 

Student borrowers are often signing their first contracts in their lives. Many are not legally entitled to give consent and require a cosigner. It is sad to think their own government and those affiliated ( Universities, chancellors, textbook publishers, etc. ) are all seeking to exploit them. Borrower 's are already paying nearly 7 % more than prime rate, and these funds are coming directly from the government. There is no other entities the government lends to at such high rates.These children are being hoodwinked into paying off debts of previous generations with what should be their retirement funds, while cronies get rich. 

The government should not be engaged in predatory lending, and calling it " financial aid ''. Borrowers that are acting in good faith and repaying what they can, should not financially destroyed. 

I want the multiple delinquency reports ( my only derogatory notices ) removed from my credit report. I want FedLoan servicing to give 90 days notice, with borrower acknowledgement, before increasing a borrower 's agreed upon payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: AES/PHEAA
State: IL
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 XXXX private loans where I co signed for my daughter with American Education Services. They continue to misapply our payments as well as report is late to credit bureau. To make matters worst every time we call to resolve the issue the give me a difference payment amount that needs to paid as well as a different amount of days that I 'm past due. For example I called on Thursday XXXX XXXX, 2016. I was told that if I pay {$2200.00}. I 'll be current. I called back Friday, XXXX XXXX, 2016 to confirm amount and was informed that I was told that I 'm 109 days past due and I need XXXX to be current. Today XXXX XXXX, I received an alert on my credit report stating they AES reported me 120 days late. I asked for a copy of my payment history because in XXXX I called and got a similar story so I made the large payment and have been paying monthly since then and they are still claiming I 'm past due. They also informed me that they could not provide me with a copy of my payment history because my loans are now in default. They have gone up on the payment amount from {$500.00} to {$750.00} and now the payments are {$1000.00} a month. They continue to tell methat they are unable to lower payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-22
Company: N.A.R., Inc.
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am disputing this debt because it is not mine, I did not receive any services from XXXX. I signed a prescription purchase agreement for and in behalf of my mother XXXX, on XXXX/XXXX/14, having her Power of Attorney, for her healthcare. XXXX turned me personally over to N.A.R. collections for this bill. These prescriptions were for my mother, she being the patient at the XXXX Idaho, the pharmacy would not provide services unless the agreement was signed. XXXX had XXXX XXXX number and was instructed to turn the bill in to them at the time of service. XXXX was completely covered by XXXX at that time. XXXX has been deceased since 2014. I want this collections charge reversed as it is not my responsibility and is affecting my credit rating. N.A.R. has contacted me demanding I personally pay for these charges because I signed the agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: DISCOVER BANK
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Discover closed my accounts only with a letter notice and no reason or further information. The account being closed was an activate account, with last transaction on XX/XX/2016, but receiving the closed notice on XX/XX/2016. Year-to-date spending is {$1600.00}. 100 % on-time payment and no fraud or any other risky activities. Contact Discover and being transferred to different departments and yet no further information but only been asked to write letter to a XXXX to request a reason. Meanwhile, Conflict information received from Discover online system sending email encouraging to join rewards program and also normal status in online profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
This is a continuation of complaint XXXX, as I believe it was closed in error. 

FedLoans had my complaint closed because they said I was involved in " pending litigation '' regarding my student loans. We filed for Chapter XXXX bankruptcy on XXXX XXXX, and received a discharge, but there was no other litigation involved and the student loans were not discharged. 

About two weeks ago, after I received your notice that my complaint was closed, I started emailing FedLoans daily to ask for status on my Income-Based Repayment application, which was also filed in XXXX and was never processed or responded to. After several days of emails in which my account was still listed as on hold, they told me " You are in bankruptcy, we are not going to process your application. '' I got a bill this week ( in a letter dated XXXX XXXX ) that said my account payment was two days past due ( XXXX XXXX ), still for the {$1100.00} payment amount. 

I have been trying to get resolution on this issue for EIGHT MONTHS now, and it was the main reason my husband and I had to file for bankruptcy in the first place. FedLoans should have adjusted our payment amount to match the IBR, and they still have n't, and now they ended my forbearance and apparently retroactively started making payments due? ENOUGH IS ENOUGH!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: EQUIFAX, INC.
State: LA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a letter in the mail from Convergent outsourcing plc claiming to be collecting a debt from XXXX in the amput of {$230.00}. I called XXXX who told me that I did not owe them anything. This letter is attempting to scam people out of money.

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 2015-10-20
Company: DISCOVER BANK
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Discover Financial Services ( Personal Loan ) ran XXXX inquiries on my credit report so far in 2015. On an account that has never been late and is in perfect standing. I believe this accounting practice is designed to stop me from securing any further credit so I can pay off there loan. The nefarious accounting practice must stop. I believe an audit of Discover Personal loans will show this is a wide spread accounting practice. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: SUNTRUST BANKS, INC.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Approximately 30 days ago i received a mailed postcard from Suntrust Bank stating my address had been changed to a " new address ''. This " new '' address was my residence approximately one year ago. I called Suntrust and spoke to their Manager XXXX who denied there was a change of address. I asked it be corrected and this was done with a new post card about a week ago. I was chagrined to receive yet another post card notifying me that my address has once again been changed back to the prior residence today. Again spoke to Customer Service and they are investigating, saying it has to do with a US Postal feed they get. However, I am very concerned either : something in my account has been compromised or there is a systemic issue at Suntrust with this issue. Either way, I have not submitted a change of address in any manner or form to them and yet they keep changing this information on their system. Am I compromised? Is there a bigger issue here. As a consumer I am concerned.

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 2015-08-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
There is an error on my credit report from Toyota Financial for a vehicle. I have asked the credit bureaus to remove it several time and they will not. They are saying that I co-signed/co-purchased a vehicle. The only problem with that is those are n't my signatures, I did n't co-sign for anything and I was not employed at that time. I asked the company to send me proof of my signatures, they sent me the documents with signatures that are not mine. In addition, information provided on the application was inaccurate, they did n't provide me with copies of my social security card or driver 's license. When buying a car this is what is requested. Seem like to me they just let someone use my information to co-buy/sign. I have written letters, disputed this several times on line, and I have even pled and explained how the signatures are n't mine as well as give proof to how the information that was provided on the application was incorrect. I would like to file a complaint against Toyota Financial and XXXX XXXX for this inquiry because I ca n't get another car loan for a loan that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Rent Recovery Solutions
State: GA
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 not living at that apartment in that year or month..The sdebit have been charge it was well over 10 years ... The Apartment management Understood I was released to my ex girlfriend due to domestic legal issues..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: DISCOVER BANK
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a charge with Discover Card. My wife canceled an order with XXXX before the phone rep. placed it because she did n't agree with the tax. The phone representative assured her the order was not placed. Two day later a charge from XXXX was on my card. 
I disputed it because she told them not to place the order and she has never received the product / order as of today. The charge was {$17.00} ( XXXX of XXXX ) installments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21
Company: Nationwide Credit & Collection, Inc.
State: IL
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:
COLLECTOR FAILED TO VALIDATE SAID. I DO NOT OWN SAID DEBT AND KEEP ATTEMPTING TO COLLECT IN VIOLATION FCRA, FDCPA AND TCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXX I was offered a student loan in the amount of XXXX while attending XXXX XXXX XXXX. while I was making payment on the loan my income tax was intercepted to pay off the loan. I had never heard from the Department of Education since until XXXX when I called them to find out why I was denied financial aid. they could not find a reason. some one took all my info and said they will call me back in few weeks. After about 6 weeks I called back with not success until later I received a notice that I owe $ XXXX they want to garnish 15 % of my income. I requested a hearing which they denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: J&L Collection Services
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
i got a call from a collection company regarding a unpaid bill from XXXX XXXX XXXX back from 2014. I did n't receive any bill or notification from any source before this call from collection. And i check my insurance activity for the past 2 years, all the claims from XXXX XXXX has XXXX balance ( I can provide the claim history, and XXXX XXXX does know my insurance info as they filed to my insurance many times ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: AES/PHEAA
State: CO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called me repeatedly and I believe has put my phone number on call lists of various marketers and vendors so that I get many recorded messages trying to sell me something. I have applied for a total and complete discharge regarding my brothers student loan and his severe XXXX has not been taken into account at all. I requested an audience or to speak with the client for mediation on the debt and they said no the client will not speak with me. My father paid {$150.00} every month for several months resulting in about {$8000.00} paid and the balance of the loan was not affected much and now that I have not been able to afford to pay it, the balance is greater than the original balance. They offered to settle for {$12000.00} within three days of the request, and said I could pay {$100.00} a month with {$30.00} going to the principal and {$70.00} going to pay interest. I said that does n't help me get out of debt and they made no effort to help me. Thank you for any help you can lend me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I disputed an unauthorized transaction in my account and the bank refuses to issue a provisional credit why they are investigating. They told me I have to wait 60 days.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I do n't even recall applying for a loan or receiving a loan from these people and they 've been emailing me and calling me and my family members harassing us for money. Even going so far as to say I will be arrested if it 's not paid right now over the phone. Emailing me said they will take me to the courthouse to get money from me and make me pay legal fees and every email is for a different amount. Not one of them is for the same loan amount. They try to scare me by emailing me and including my social security number like they know it so I had to have taken a loan out. And the best part is payday loans are illegal in the state I live in! So this makes no sense and I 'm tired of the threats and harassment! They also claim that the US government is placing my social security number on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Continental Services Group, Inc. d/b/a ConServe
State: NC
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:
Turn over debt collection agency. Called conserve web in my. I went XXXX in XXXX, nc. 
They had know about law suit, took fed income tax returns. Making payments of XXXX month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
He has repeatedly called me and has started threatening to garnish my wages, to come to my job, called me names and embarrassed me publicly by telling my co-workers I was n't paying my bills on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: CONTRACT CALLERS INC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
A woman from a collection agency for XXXX XXXX called me at XXXX from the number XXXX XXXX XXXX XXXX. She was calling about a debt I owe to XXXX of {$150.00} or so. When I told her I was not working, not eligible for unemployment insurance and I do not have any money, she prodded me to get friends and family to help me. I told her that they are already helping me as much as they can ( I am living with family and they are making sure I have food and have access to a phone, car and car insurance so I can continue to look for work ). 

I explained to the woman that I recently got divorced and have a lot of bills that have added up. I told her that I am aware of the debt and plan to pay it as soon as I can. She then asked which bank I use. I told her I will not give her that information and she proceeded to tell me that I may as well just give it to her since they 'll keep calling and get it eventually. Then she started raising her voice and and said " Are you trying to say not to call you again? Is that what you 're trying to say? ". I told her that it is illegal for her to harass me and that I had already told her I am aware of the debt, I do not have any money, and I plan to pay it when I am working and can take care of it. I told her that I was n't telling her not to call me again and she was talking over me, yelling and arguing. Eventually, she hung up on me. 

This conversation is the most adversarial and nasty one I 've ever had with a debt collector. It left me shaken up. I had a scheduled phone job interview with a potential employer right afterwards. I 'm hoping answering this woman 's call did n't affect my manner on the phone. 

I am trying my best to find work and be able to support myself again. I do not feel it was fair or legal for this woman to verbally abuse me on the phone. I answered the out-of-state number, knowing it was probably a debt collector, because I 'm being as responsible as I can. I do not like having outstanding debts and I try my best to deal with everyone who contacts me in a fair and respectful way. I am in an unfortunate spot in my life at the moment that will hopefully pass soon. Being abused over the phone by a debt collector adds insult to injury. 

I reported this because I do not want anyone else to be treated the way I just was.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-09-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14
Company: General Motors Financial Company, Inc.
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Americredit, also known as GM Financial, denied me credit. That 's fine ; I got credit elsewhere. But they wo n't tell me why. XXXX I have gotten a pathetic non-responsive response : " Outside of credit program parameters. Credit not granted under the specific terms and conditions and/or conditions originally requested. " As far as I can tell, this denial is totally non-responsive, and does not meet the CPFB requirements.

Company response to consumer: Closed with explanation