BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: DC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Interest rate was lowered from 6 % to 1 % and applied retroactively. However, the payments went purely towards interest and not principal, as I as instructed they would. Also, XXXX the manager who handled my claim mistyped my bank account number to where it was showing XXXX withdrawals even though I was on autopay and did n't change my account information. I requested a formal letter of the transaction history and where the money went a week ago with no response. I 'm currently on the phone with a rep who said, " I will hang up this phone '' with no answer to where the additional money went to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: The Phoenix Recovery Group
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:
XXXX XXXX with The Phoenix Recovery Group has contacted me several times via phone calls and emails concerning a debt that she says I owe her client XXXX Apartments in XXXX Texas. I have been in disagreement concerning this debt for a long time. I have considered trying to workout a payment plan because I simply wanted it off of my credit, but when she sent me her documentation concerning the debt I noticed several things that were invalid and several documents that I never signed or consented to I told her I was in disagreement and I would dispute the debt, she then said that since she had a copy of a signed lease she will just list me as a refusal to pay because I started to request more information concerning the debt. She is saying that I owe, {$4700.00} in debt the original creditor has no records of the account, she also says I owe a judgement, when I contacted the court, they had no record of the account. The account was a joint lease account but she has the full amount listed on my credit, but sends me emails saying that I would only be charged half. I told her I would dispute the debt, she became upset telling me that is why her company do n't give payment plan letters she also told me that my separation from my ex was not a reason to get out of paying the debt. She was rude, and her collection efforts were totally against the fair credit act. The documents she provided had no return address or number on them, they are documents that I had no idea existed, they look altered to me, and I do not feel comfortable sending this company anymore money concerning this debt. The experience I had concerning the entire issue was very emotional and for her to mention a very sensitive time in my life that she knows nothing about was very unprofessional and completely unnecessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: DOLEX DOLLAR EXPRESS, INC.
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I did a money transfer on XX/XX/2017 when the person that was supposed to receive the money went to pick it up he was told that the transaction number was incorrect. He went three times to try and pick up the money but Was also told that the money he was trying to receive was not there. He double checked that all his information was correct which it was and still had trouble receiving the money. It 's been 15 days now so I 'm making this claim because you failed to provide this service and for not going through with the transaction the day it was supposed to happened. I 've tried to call customer service but no one has givien me a solution to this issue. Dolex dollar express inc. my name is XXXX transaction # XXXX Beneficiary : 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 2019-05-10
Company: Shellpoint Partners, LLC
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A couple years ago I had a dispute with this same company and it was removed from my credit report. Here it is again. 

Chapter XXXX Bankruptcy Discharge XX/XX/XXXX NewRes-Shell Point bought the debt after the Bankrupt discharge have were trying to collect as late as XX/XX/XXXX Why is this back on my credit report? The property this 2nd lien was attached to was XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, NV

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: United Services Veterans Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
As a mortgage holder and veteran, we receive many offers to improve our mortgage. XXXX that is especially irksome is United Services Veterans Mortgage ( NLMS XXXX ). We 've received its offers before and trash them immediately. Now I want to take action. On its envelope return address it says XXXX XXXX and its literature says XXXX XXXX. The implication is endorsed by XXXX XXXX and/or the XXXX. With its name, it gives an aura of being an official organization of the U. S. Federal government. Without due diligence, a person would be duped by this implied endorsement and fall for their product whatever the final outcome. As a military veteran, I did n't fall for it but I want action taken to prevent other verterans or active duty military members, especially new homeowners or young members, from being taken in by these dubious practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Western-Shamrock Corporation
State: SC
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:
National Finance continues to report late and past due balances to the XXXX credit bureaus. National Finance was included in the bankruptcy, they were notified in XX/XX/2016. No reporting should have occurred beginning on XX/XX/2016 it violates the automatic stay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Pinnacle Credit Services, LLC
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:
They 're saying I had gotten a phone with XXXX I got a bill for XXXX dollars back in 2013 but not thinking I never gave it attention and now they got me on a XXXX dollar bill that I never gotten or was told about just ended finding out about it on my credit report and I need to resolve this. .please thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Nelnet engaged in Predatory Loan Practices.

1.inadequate or False Disclosure Nelnet hid or misrepresents the true costs, risks and/or appropriateness of a loans terms They sent multiple letters with different payment amounts and have admitted to doing so 2.Risk-Based Pricing Nelnet engaged in risk based lending by lending high amounts with no proof of ability to repay 3.Inflated Fees and Charges Nelnet did not disclose fees and credit effects to lender 4.Loan Flipping Nelnet bought the Loan and violations d FDCPA practices when buying it. It so packaged it as a 10 year repayment plan without the risk that only 1 missed payment could derail this plan 5.Asset-Based Lending Nelnet sought to give maximum amounts as opposed to tuition only packages to lender 6.Reverse Redlining Nelnet targeted off-site non traditional student for large loans without suggesting any guidance of effects of these large loans

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Being contacted and it has been reported on my credit report that I owe money to a company named XXXX XXXX. I do not know what this is I do no owe this company money. I sent a letter to Allied collections telling them this and asking for them to provide a signature proof that I owe someone money. They have not responded or provided any proof of signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of their actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Wellmont Health System
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
MCOT, XXXX, This is a scavenger debt collection agency that is illegally throwing garnishments against my wife and i, we had a bill XX/XX/2005 for an emergency room visit, this lawyer did not notify us in order to be able to take the case in front of a judge t or magistrate then garnished {$2900.00}, XXXX take all owed then sues us the XXXX time and didnt give any notice to appear in front of judge and illegally garnished my wife the XXXX time XX/XX/XXXX for the same bill from 2005 way out of XXXX of limitations and now garnishing {$3700.00} THIS IS A SCAVENGER DEBT COLLECTIONS TEAM WHO ARE TAKING ADVANTAGE OF THE PEOPLE, We have legal XXXX of limitations to protect the consumers, allready ruined credit XXXX years and is now trying to renew an old debt from XX/XX/2005,XXXX and XXXX after this debt was started, THIS WILL BE REPORTED TO THE BAR ASSOCIATION AND XXXX. we are a family of XXXX with XXXX working and XXXX diabled and is not drawing XXXX yet.It takes every dime my wife makes to pay our bills and have food for our family, THIS MUST BE STOPPED! SO IF YOU HAVE MCOT TRYING TO SCAVENGER OLD DEBT PLEASE REPORT IT, THIS IS NOT LEGAL AND NEEDS TO BE FOUGHT AT THE HIGHEST LEVELS, They garnished my wife XXXX time allready and we did not get a chance to go in front of a magistrate or judge, this is illegal, We should have been notified, Now here we are again with no notifications only garnishment for the XXXX time for a debt thats over XXXX IS NOT LEGAL AND IT MUST STOP! THEY ARE BUYING UP OLD DEBT FOR PENNIES ON THE DOLLAR AND OUT OF XXXX DEBT, GOING ABOVE AND BEYOND WHAT IS THE LAW!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: CONRAD CREDIT CORPORATION
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My husband and I signed up for a campground membership at XXXX XXXX XXXX in XXXX MI in 2008. We used it for 2 years and found it was not what they promoted it to be. The sister parks did not want to honor our memberships and we were not happy with the quality of the parks around the country we visited. They were not the quality we were sold. We contacted them by letter and repeated phone messages that I had come down with XXXX. We live 4 hours away. We wanted to cancel. I have continued to send them letters and try to call- they never call me back and now I find the numbers are disconnected. I have just tried to get a loan and have found they have put in for collection for the annual membership fees for the past years since I sent them the letter. I need help! We can not find anyone to contact and resolve this. Membership fees are voluntary. We paid the initial cost in full. How do we get out of this?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
XXXX XXXX XXXX FM XXXX XXXX, TX XXXX XXXX/XXXX/2015 Dear FTC : I wish to complaint about Equifax Credit Services, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX. 
Equifax refuse and ignore to investigate and correct fraudulent info on my credit file. 

I am filing my complaint because in the pass several years Equifax ignore and refuse to investigate and make the necessary correction on my file. This fraudulent business practice make me loose a lot of money and lost a lot of business opportunity 's. 
I did request several time over the phone and buy regular mail to Equifax correct the fraudulent credit report, lately on XXXX XXXX, 2015 send a certified mail with return recite but is bin nothing happened from Equifax. 
Please attachment. 

I do believe that Equifax business practice is unfair because I given numerous time opportunity 's to correct and I believe that Equifax haze an obligation to me. 

I also requested numerous time to send me my annual free credit, but Equifax ignore this request also! 

I believe that the FTC haze the power to make Equifax to correct and send my corrected report to me on the next short period of time. 

I look forward to hearing from you as soon as possible to resolve this problem. 



XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: United Student Aid (USA) Funds
State: MA
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 XXXX XXXX am being pressured by a number of collection agencies that state they have a right to an administrative garnishment against my wages. Administrative garnishments can only be procured by the United States Government, period. My student loans are privately owned, and these private debt collectors are disguising themselves as collectors of federal debts that are private only. I have been harassed at my work and home with threatening phone calls, all in violation of my rights with the Fair Debt Collection Practices Act. I demand to know what entities own my student loan debts. 
I DEMAND A CEASE & DESIST ON ALL COMMUNICATIONS OUTSIDE OF WRITTEN CORRESPONDENCE!!! 
I DEMAND A COMPLETE FORENSICS REVIEW ON THE CHAIN OF OWNERSHIP OF MY STUDENT LOANS!!! 
I DEMAND A FULL REVIEW OF EXISTING STUDENT LOANS FOR A CONSIDERATION OF CONSOLIDATION!!! 
There must be a court order on any private debt, which would require a summons and complaint and an actual judgment. That is the actual protocol with my student loan situation.

Company response to consumer: Closed
Consumer complaint received 2015-04-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
i do not have time to even do thi.si was assessed interest by wells fargo where i have many accounts. 
i am writing this so something other than the system will help me. between medical bills, moving and my customership which is excellent i should not have to beg for XXXX dollar. i know it was refunded I also know if someone took the time they would see how i pay and keep my account. 
i do not expect to be put thru this. i want my XXXX back of interest., i will never sign a cc agreement with minumum interest charge again. I did not pay maybe XXXX doillas and now this. i do not have time or XXXX intactedness to spend time on this. i am tired of scripts. i will not use my card til this is addressed. scripts are great but getting to know customers is even better esp a good XXXX like me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I cosigned my brother in law 's home loan in early 2007. later that same year, on XXXX 2007, he refinanced the loan with XXXX XXXX XXXX in order to remove my name from his mortgage. He Signed and Closed the Loan, as sole borrower, on XXXX XXXX, 2007. The title company was First American Title Insurance .when this new refinance Loan was " filed '' with the XXXX Clerk XXXX XXXX XXXX XXXX, A different loan closing document was used. this different document had my name added and my signature forged. furthermore, a notary falsely stated that " i appeared before her '' to sign said document. what is even more troubling is that the pen inked handwriting and signature matches the notary or whoever created the forged document. The very reason for the refinance loan was to remove me as a borrower. this type of blatant forgery and falsification is unacceptable from any financial entity, let alone a XXXX Bank. The only way i found this out was because my brother in law is losing the property on foreclosure, and i now have lawyers serving me court papers as if i am still involved in said loan/property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Exeter Finance Corp.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I financed a vehicle with Exeter Finance in XXXX 2015 alongside a cosigner. I financed it at at 14.7 which was slightly higher than my other vehicle was financed at. A couple months ago I ran into the issue of the cosigner taking off with the car which I know bear some fault on my own part but Exeter has been of no assistance in helping locate the cosigner to notify of lapse of insurance on the car. I also offered to pay the loan off in full if the car could be returned, or I would like to be released from the contract since technically both of these parties breached it. 
Then the other day as I was monitoring my credit I noticed how little had come off the principle. I knew from work that around {$320.00} should come of my principle with the {$410.00} payment. However the amount coming off was around {$190.00}. I was very upset as I read through my paperwork and kept seeing " annual interest rate '' but for some reason being charged a daily interest rate. I paid my other vehicle off and have another one ( since this one was taken ) and I have no issues whatsoever trying to guess what my interest portion of my payment will be. I am very upset and thought Exeter would be like other finance companies I have dealt with who did not hide their charges and understanding of the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: Exeter Finance Corp.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I visited XXXX in XXXX, CO and was looking at cars. They let me know that they were running a credit report to see what loans I qualified for. I let them know that I only would allow one company to run the report ( XXXX ) and they agreed. They did not tell me that other companies would be running a credit report to give me loans and I specifically told them that I did not want my credit run through finance companies I did not approve of. I was unaware and did not give understandable permission for this company to run a credit check on me. I was pressured into running a credit report when I did not want to because I was a first time car buyer and unaware that when XXXX ran the report it would go through numerous agencies. They did not clarify and tricked me. I think this is unfair in that it affects my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: Progressive Financial Services, Inc.
State: CA
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:
Have sent letters to collection company that this is not my account. Have asked them to send me copy of a signed contract. Collection company has failed to respond to my letters in the past 3 months.

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 2017-02-21
Company: Exeter Finance Corp.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I checked my credit report only to find out that my identity was stolen XXXX auto loans from Exeter finance and XXXX and a loan from XXXX bank. I contacted each XXXX of these places and made them aware that these accounts was fraudulent opened in my name. I made a police report and submitted to each company and all XXXX credit bureaus and it 's been well over 30days and I have not received a response

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: D&A Services, LLC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
d & a services are trying to collect amount that is in ch XXXX XXXX original credit XXXX this is 4 time differ collection service.

Company response to consumer: Closed with explanation