BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-14
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX is by far the worst mobile phone company in the nation. I spent thousands of dollars on their service and products over the years only to deal with call drops, account overages, and poor customer service. It is a small amount in dispute and they have dropped my credit score over XXXX points in a matter of 1 week. I have been working hard to build my credit over the past year just to have it ruined by a XXXX company. I will never do business with XXXX again and will persuade all of my family and friends to switch to any other carrier.

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 2015-05-19
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Consultants is reporting a collection account on all XXXX credit bureaus illegally. I had a medical bill with a hospital. I had a payment plan with the hospital while I was investigating the charges. I had NEVER gotten a bill that I demanded. I do not believe I owe this. I disagree that I received some services or goods at the hospital. Neither did my insurance company. Nobody ( not the hospital or Collection Consultants ) has been able to provide to me an itemization of the total bill. When I questioned this the hospital sent the bill to Collection Consultants even though I was paying them. They just stopped sending bills then Collection Consultants sent me a letter demanding the payment in full. I called. I told them I was investigating the charges and that I needed them to send me a copy of their HIPPA compliant agreement with the hospital, a copy of their assignment, and an itemization of the bill including anything that I authorized. They never provided this information. They never validated the debt in accordance with the Fair Debt Collection Practices Act. I did pay them only because I did NOT want it to go on my credit and I was assured it would be removed. The representative said at the end of my XXXX payment plan it would be removed from my credit. This did not happen. They deceived me and did not validate it. They have XXXX things I have issue with. 1- I do not believe they followed HIPPA laws. 2- They have reported this to the bureaus when they did not have a legal right do so because they did not validate their legal right to when requested, 3- they used deceptive practices to collect the debt. They promised me it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: Regional Management Corporation
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My wife took out a loan from Regional finance, she had a past due balance of {$840.00}, she was still making her regular payment of {$200.00}, she made payments in XXXX, XXXX and XXXX, today XXXX from regional finance called my wifes cell phone, he did not properly identify himself nor did he read the mini miranda to my wife, the first words out of his mouth " where is my money '' My wife responded " I already sent the payment for {$200.00} '' he replied " that is not our agreement, I am sending your payment back '' my wife was very upset and brought me up to speed on this loan, i then called back and spoke to XXXX, asked him for his full name he refused to give me his last name or employee id gave me the number to their corporate office, i called and left a message for someone to call me back, I received a call from XXXX XXXX who claims he is the direct boss for XXXX, i began to try and explain my concerns over this collector managers actions, telling him his collector is calling my wife every day dates of calls XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX and XXXX he left messages both times on the same day " this is XXXX regional finance need you to call me now '', XXXX/XXXX/16 XXXX, XXXX/XXXX/16 XXXX and today XXXX/XXXX/16, that he is threatening legal action on XXXX/XXXX/16, they never filled legal actions after saying they will, then i tried to explain to the regional manger his collector told my wife because she did not send in the entire past due bal he was going to send her payment back, he would not allow me a chance to fully express my concerns he kept telling me to get off his phone he is to busy to talk to me, that his collector did nothing wrong, for me to get an attorney, called me buddy told him do not call me a buddy, im not your buddy do not disrespect me like that told me to shut up, then attempted to put me on a speaker phone so the entire office could hear the phone call told him he does not have permission to put me on speaker phone we argued and then he hung up on me, i called back and recorded the call he continued to argue with me telling me i had 5 minuets to talk to him, would not allow me a chance to express my concerns we continued to argue and he hung up on me again, prior to hanging up he used a XXXX slur against me, he also told me to shut up and that i only had 5 minuets to talk to him, all this and more is on a recorded line

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In the course of XXXX days I have contacted Receivables Performance XXXX times in writing and requested proof of the debt to be sent to me. I have never heard back from them. By law if they can not provide proof of the debt within 30 days, they have to remove it from the credit report and stop all collection activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: PNC Bank N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a PNC account on XXXX/XXXX/2020. Part of my account opening included a promotional bonus of {$300.00}. I met the requirements to earn a bonus and was paid the bonus of {$300.00} on XX/XX/XXXX. Part of the promotional fine print states " The value of the reward may be reported on Internal Revenue Service ( IRS ) Form 1099, and may be considered taxable income to you. '' I have not received a 1099-INT as of today ( XX/XX/XXXX ). PNC 's automated messaging when calling their customer service phone number ( XXXX ) states that 1099-INT forms were sent by XX/XX/XXXX and to allow 10 business days to receive that form. Today is 11 business days, so we are now 1 business day beyond PNC 's own timeline. I called customer service on Friday XX/XX/XXXX and the person who I spoke with was not helpful and gave me a number to call to a department that said they couldn't help me ( XXXX ). 

I called again today to their customer service phone number and the customer service agent, XXXX, told me that the system only shows that I received {$.00} of interest in 2020. She also confirmed that I received a bonus in the amount of {$300.00} on XX/XX/XXXX. PNC 's system should recognize that as interest. I requested a duplicate 1099-INT which is supposed to arrive in 15 business days or less. I'm submitting this complaint because I do not want to wait 15 business days as I should have received the 1099-INT. I also am concerned that PNC Bank is not recognizing the total interest that I was paid in 2020 and never sent me a 1099-INT. PNC needs to send me a 1099-INT if they have not. If their system is wrong, then they need to fix that and send me a 1099-INT as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MA
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:
ECSI Heartland ( which just acquired XXXX ) charges a " convenience fee '' of {$.00} for each autodraft payment -- effectively forcing the individual to pay in order to pay their loan. They claim this is for " website maintenance '' for a website which they have said they will no longer update ( this is for the XXXX site ) and that the convenience fee will continued to be used once XXXX borrowers are rolled over to the ECSI Heartland website ( which they wo n't give a timeline for ). This is just another example of student loan servicers profiting off of student loan borrowers after winning lucrative contracts with the federal government. There are plenty of other servicers that do not charge for this. When I asked if I could lodge a complaint, I was told they do not take complaints. Additionally, their website is currently stuck in the XX/XX/1990 and borrowers are n't able to update much on the website without calling or mailing in information to the servicer. When setting up Auotdraft for example, it took a month and half to set up and I never received the correspondence that my autodraft would not be in effect for my next payment ( although I filed it well before their deadlines ). Supposedly this information was mailed to me, but I 'm signed up for XXXX -- also a " service '' that ECSI / XXXX does n't seem to keep updated as none of the correspondence I get is ever electronic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX
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:
Student loan processor ( Heartland/ECSI ) charging RIDICULOUS fees. As much, or greater than XXXX % fee PER PAYMENT on debit cards. Most banks will either not charge processing fees for debit transactions, or charge a VERY VERY small one ( as per Dodd-Frank legislation that passed a while back ) so this is an additional XXXX % ( or more - see attached evidence ) interest burden tacked onto an already burdened population of student loan repayers. For some, who choose not to give these crooks direct access to their bank account, there is no alternative aside from a debit card in order to pay. This additional & gt ; 6 % is just an atrocious fee. Especially when 6 months ago it was not in existence. There was no notice provided by the company, and aside from providing direct access to my bank account, there is no alternative to pay without a fee on debit just like ALL of my other loan processor. Granted, there are only XXXX others that I deal with, however, their practices are MUCH more palatable to the consumer- it is quite apparent that they are providing a service, as opposed to sticking it to their customers for financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is the second round of complaints on this sorry company The complaint before was they did not pay my homeowners insurance out of the escrow and they almost cancelled my policy. Now they have raised my house payment by {$310.00} a year with no explanation. They're always short funds in the escrow, never enough money this has to stop. They're committing price gouging. They were supposed to contact me to refinance my loan yesterday for USDA and the guy named XXXX XXXX no longer works there and they know nothing about the previous notes. I talked to this guy in XXXX to start the process. I want my loan refinanced today. I am sick of this company getting away with this. I keep asking for help for my family and their home. All this company wants is for me to close the complaints as soon as possible. I'm not closing it. Refinance my XXXX loan the government has lowered rates and XXXX XXXX won't let me refinance. They keep you on hold for hours trying to get XXXX loan officers on the line. Please help me get this resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have requested for Transunion to provide me on how they verified the information on my report. These are not my accounts. I asked the following : " Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Do n't provide the generic response of how you use various methods. Please tell me exactly how you verified them and include the full name of the person you spoke with. '' Yet, they sent me a very generic response. They are not responsible with handling customer disputes and verifying account info.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Nelnet, Inc.
State: FL
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 many loans from private and government and I was very young when I started with this school loans. after a few years companies sell my loans to different lenders and the interest goes high. I never had a complete understanding of the type of interest I would pay down the road. To make things worst I started a degree on a university and left school for few years and when I came back to finished the degree was no longer available so had to get a XXXX degree unless I wanted to pay more towards a new degree. I do not have a steady career and i am currently jobless with a XXXX XXXX dollar debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent several certified letters asking for validation of this debt that they say i owe. Proof of a signed contract for this debt. Instead of sending my request, i received a summons to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I originally was signed up for XXXX through my student financial aide representative at a private, for-profit university. When they switched over to Navient, I had just recently finished my degree and had begun to make payments. Since then, I took a job in XXXX by obtaining a work permit. Since I 've moved up to XXXX, it has been incredibly difficult to pay my loan payments on time. I 'm now being paid solely in XXXX currency, and have been wrestling with a tough conversion rate as well. The main problem, however, comes in the fact that they make it very difficult to pay using XXXX currency. I have been told many different things by different representatives at Navient. The most often recommended route is to get cashier 's checks over the border in the US, and then pay to mail them in every month. To me, this is an absolutely unreasonable request. This has forced me to borrow money from friends and family 's accounts in the US to pay for my loans, and has become an impossibility. This has caused me to miss payments and caused hits to my credit. Overall, the process seems overly-difficult and predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: Navient Solutions, LLC.
State: NV
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:
About 2 months ago I called Navient because my loans came due and I finally am in a place financially where I can start paying them back But, the crux is I can not give these people $ XXXX- {$800.00} dollars a month, I 'm sorry that 's more than my rent! So I started the process of consolidating all of my loans ( Even my private loans I made sure of that ) and getting a lower payment. My payments were n't supposed to start until next month, XX/XX/XXXX ... they lied to me about that, I got a bill for this month and paid it ( {$160.00}, I wo n't complain about that ). The problem is I have been getting calls at my home, my parents home, and my job from XXXX , XXXX XXXX XXXX, an attorney company that deals with defaults and collections. It seems someone had sent one of my private loans to them for collections. 

I called them back to set up a payment plan and they refused to listen to me or work with me. The bill is around {$1700.00}. And " they can give me a deal and I can pay it off today for {$1500.00}! '' Yeah no, I 'm sorry I do n't have that kind of money to give them, I am still in the process of rebuilding my life financially and that 's not a deal. After arguing with the boy on the phone for about 30 minutes i finally got him to concede that i was not going to pay that, So I set up a payment plan to pay them {$50.00} a month so they would stop harassing me and my family. 

Now, here is the kicker, I am being charged TWICE for the SAME LOAN! when I went online to check my statement I noticed that Navient was attempting to charge me the the full amount of the exact same private student loan of {$1700.00} ( Even though my consolidated amount due shows {$10.00} ) that the person at this company had argued with me about. This guy on the phone at the attorneys office had told me flat out that Navient had lied to me ( which they do consistently I am not surprised when they do, they do n't teach their techs anything ), and that it is impossible for my private loans to be consolidated, I am unable to do that, and it was sent for collections, this man basically called me an XXXX and said it was my fault I was in default even though I have done everything right. I get it, they deal with liars on the daily, but I am not one of them. 

So now I am paying this attorney and Navient for the same loan, and that 's not right! And this is not the first time! XXXX 2015 I had to track down the VP of Navient ( on XXXX ) and I lost it, they harassed me and my family while I was unemployed and in school to pay loans I could n't pay on and they knew all of this, they knew I had no income and that I was in school and they still tried to come after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/2016 I had XXXX dollars in my account. All transactions were processed. I was aware of the low balance, but all transactions were processed. I was going to deposit money the next day. Overnight, BOA rearranged all transactions charging me 5 overdrafts to which XXXX trans. were of {$2.00}. Before they have waived the charges. Now they are insulting me for not keeping a straight balance. I do, but they keep rearranging transactions, so i keep falling in a hole and they take a chunk of my paycheck which comes direct deposit. This time, i am not deposit any money until they erase all the illegal XXXX as i counted overdraft transactions. 
I demand for BOA to stop rearranging transactions behind customers ' backs in order to collect overdraft fees. This is not the first time. XXXX dollar fee for a XXXX transaction that they caused by rearranging transactions? I will not allow them to take anymore money from my paycheck and child support. I work too hard. I have been with BOA for 26 years. They are stealing customers ' money now. I want and need my five overdraft fees removed. That was until XX/XX/XXXX and any after that, then I will deposit money and close my account. Thank you.

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 monetary relief
Consumer complaint received 2016-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America has provided me with a written document dated XXXX XXXX, 2016 from their paid legal advisor represented as the CFPB iportal uploaded CFPB Complaints response to multiple CFPB Complaints I have lodged related to my home loan mortgage account during and throughout the MHA HAMP modification process between XXXX XXXX, 2016 through XXXX XXXX, 2016. 
This document has not been uploaded to the CFPB iportal to date and therefore can not to be considered a response to any of the CFPB complaints. Additionally, the document and attachments do not address the concerns presented within the CFPB complaints lodged related to my concerns throughout the loss mitigation processes to date. 
Because Bank of America has engaged in unfair, poor, and deceptive practices, I have no way of knowing what I have been presented with is the final resolution of my concerns or not and just another of Bank of America 's tactics to solicit what they want. 
There has not been a Rescission recorded withdrawing the NOD with the XXXX XXXX County Recorders Office 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 2021-02-17
Company: Bread Financial Holdings, Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are 3 late payments on my credit accounts that have happened on XX/XX/2020, XX/XX/2020, XX/XX/2020 on my CCB/XXXX 1 Account with XXXX XXXX through Comenity Bank. These are incorrect. The company was doing COVID forgiveness at the moment and lied to me. Please investigate these late payments at your earliest possible convenience, as I do not recall being late on the account in question and I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score shows an accurate depiction of my creditworthiness.

Please update me with a full report on your findings and how the item was validated within the next two weeks. I look forward to having this situation rectified as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: I.C. System, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection was put on my credit report that is not mine. The come say I have aan account for the past two months. I do not have an account with that company.

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