BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I applied for refinance of my student loan. The original lender is XXXX XXXX. The new bank completing the refinance is Citizens. Citizens calculated the pay off amount on their own by adding one month payment and 60 days of interest to the amount shown on the most recent bank statement. They did not call XXXX XXXX for a 10 day payoff amount. After they paid the loan to XXXX XXXX there was remaining amount of about {$1600.00} which is continuing to increase because the XXXX XXXX loan interest accrues daily. Is Citizen 's bank allowed to calculate the payoff amount on their own without consulting XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: Cascade Capital, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by a company named XXXX XXXX by a man named XXXX XXXX and subsequently by a man named XXXX stating that I owed them {$1400.00} from an emergency room visit that occurred on XXXX/XXXX/2015. I asked them to give me whatever information that they had so that I could verify their information with my records and the hospital, if necessary. They were verbally combative and insulting to me when all I wanted was to be able to verify the details of their claim. Subsequently, I was able to locate the benefits document from my insurance company that shows that I never owed the debt. This was a debt that was purchased from another company which was, presumably, purchased from the hospital where I had the emergency room visit. My insurance benefits document indicates that the charge in question was an 'Ineligible charge ' that the doctor who made was prevented from making through agreement with my insurance company. I am absolutely convinced that this was a cheap tactic by the doctor, the hospital, and every debt collection company that bought the debt to try to get me to pay for something that I was never responsible for paying, and, had I not resisted their strong-arm tactics, I might have agreed that I owed the debt ( which I do not ). I do n't believe that it was necessary for the employees of XXXX XXXX to speak to me in the manner in which they did -- especially since I do not ( nor have I ever ) been responsible for the amount that they say I was.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: Dominion Law Associates, P.L.L.C.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Hello, I have a private loan with XXXX XXXX XXXX. I defaulted on my loan and I was n't able to pay because of unemployment. They sent my debt to collections were I was making {$40.00} a month payments. Then they sent it to another collections agency and now it is with Dominion Law Associates. They sent me a letter in mail saying pay in full. But I 'm still not working and have XXXX money in bank they only thing I can afford is {$15.00} a month until I 'm employed and I 'm more than willing to make higher payments. My father co sign but I 'm responsible for the loan he is n't working either and have medical bills because he had XXXX and had to have XXXX last year. He had a total of XXXX XXXX in 7 months the most recent in XXXX 2015. When he cosign he had no idea I would n't be working and could n't pay. Every month XXXX XXXX XXXX keep sending loan to different law offices. So I 'm responsible and just need to make monthly payment plans or a rehabilitation program that I was n't offered by original loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: Delmarva Collections, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Delamrva, a collection agency is harassing me at work. I did not give them this number to contact me while im at work. I asked them to stop but the calls continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I'm trying to login to Navient on Saturday, XX/XX/2021 to download tax forms related to my student loan and am unable to login due to " scheduled maintenance. '' Their automated phone system is also unavailable due to maintenance. I will concede that I could have been more proactive in working on filing my taxes earlier, but it strikes me as irresponsible and inconsiderate for a loan servicer 's site to be undergoing " scheduled maintenance, '' one weekend before the tax deadline. For people who work during the week this makes it very difficult to take care of business and is a disservice to me as a student loan borrower and as a taxpayer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA
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:
On XXXX, I received a letter from XXXX stating that I had defaulted on my Perkins loan. This is the first communication I received since graduation about this loan. When I graduated, my loan was being held by Campus Partners, which was being purchased at the time. I created an account with Campus Partners, to pay my loan. However, they did not allow anyone to begin repayment of their loans, due to their company being purchased by another. Therefore, I was unable to pay my loan. Now since my loan is in default, they want me to pay the interest on the loan plus the principle amount. I was more than willing to pay my loans, which would have been without interest at the time. I immediately contacted XXXX, after receipt of the letter, to try to figure out how my loan became in default. They said that I needed to talk to the company ( ECSI ) who now owns my loan. Therefore I contacted ECSI by phone. When I finally was able to speak to someone, they were extremely unhelpful, and before even getting to the reason for my call, they hung up on me. Since I never got any information from them by phone, I looked for another method. They had an online chat available, so I tried chatting with them. 
From this, they said that they were sending me information, but it was all being sent back ( because they were sending it to my address without sending it to my apartment ). I questioned them on why they had the wrong address, and they said it was given to them by Campus Partners. Then I asked why they did n't contact me by phone or email? They replied that it was against my schools policy. I never got to ask why they did n't just contact my school to request my address. However, they said there is nothing they can do and I just have to pay the loan and the interest that accrued. I told them that I would be more than willing to pay my loan minus the interest, since that is what would be fair, this being the first contact I received. However they said that I needed to pay the interest as well. So I asked to talk to someone who could help me straighten this situation out. They referred me back to my school. So I contacted my school by phone and email. They said they would look into it. I just received an email today from XXXX stating that there is nothing they can do, and I just have to pay the loan plus this accrued interest. I do n't see why I have to pay interest on a loan that I never had the option of paying before the loan. The company or XXXX did n't do their due diligence in acquiring my correct address, which XXXX had. XXXX never even contacted me by phone or email ( which they set up, my XXXX email address ... ) to let me know that my loan was transferred to ECSI and that I would need to pay my loan through them. What they are doing is a complete Scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Regional Management Corporation
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have requested that Regional Finance not call my place of work. Which is a government agency, I have requested no calls to my work number on several occasions. Today makes the 15th call. I spoke with XXXX on XXXX/XXXX/16, I requested no call to my work number. XXXX from Regional Finance has continued to call, and she disclosed my personal debt to a co worker. These types of practices will not be tolerated. The company is Regional Finance located on XXXX XXXX XXXX, XXXX XXXX, Texas, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-16
Company: Express Recovery Services, Inc.
State: UT
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:
We had XXXX XXXX come to our house and offer to do in blown attic insulation for free to us as long as we applied for XXXX credits, XXXX through our natural gas company and XXXX through the federal government on our taxes. We filled out our natural gas company XXXX and received the check and sent it to them. When it came time to do our taxes we found out that the credit that they claimed was still valid was not valid, we spoke to a representative of the Internal Revenue Service to find out that the credit they wanted us to apply to our taxes had expired 2 years before their service. On the form we signed it specifically states " In the event that i have complied with the above terms and done all I can, and I do not qualify to receive any part of the rebate check ( s ) I will not owe Penguin Insulation that portion of the Total Amount Financed. '' I think I did all I could to try to get the rebate but I am not going to cheat on my taxes to do it. I called penguin insulation multiple times to try and resolve these issues but after 2 years they instead sent me to debt collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-18
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
On XXXX/XXXX/16 I discovered unauthorized charges from XXXX/XXXX/16 totaling almost {$8000.00} & the loss of XXXX in reward points. I immediately called TD to alert them of the problem. I was told to give them XXXX hours to correct my account and that it was a widespread problem affecting numerous customers. I contacted the company 3 more times & was told different stories by different representatives. 

I sent a certified letter on XXXX/XXXX/16 requesting the money to be credited back to me and also to restore my reward points. The charges were credited back but the reward points were not. 

On XXXX/XXXX/16 I called to request a resolution to restoring my points and I was assured by them they would get back to me within a few days. No one has returned my call and TD has not restored my points, so I respectfully request the CFPB 's help in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-04
Company: Arnold Scott Harris, P.C.
State: IA
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:
Collection Agency is attempting to collect a debt on a camera issued speeding violation that occurred on Interstate XXXX in XXXX XXXX, IA in XXXX of 2014, which the details of the violation are inconsistant with Chapters XXXX and Chapters XXXX code of Iowa XXXX the type of penalty ( criminal or civil ) for scheduled moving violations and who they are levied against ( owner or driver ) and the fine amount itself is not compliant with the scheduled fine structure outlined in Chapter XXXX Code of Iowa, contradicting state law and therefore is legally uncollectable. Iowa law states the driver of a motor vehicle commits a simple misdemeanor which is punishible by a scheduled fine including a surcharge, and sentenced by a sitting judge in a criminal court setting. The collection agency is treating this as a civil debt against me as the owner of the vehicle. Iowa state law does not provide any penalty whatsoever to the owner of a vehicle that is involved in a speeding violation, making this debt not legally collectable. Further more I have never been ordered to pay the amount due in any type of court ordered judgement, nor have I signed any contract nor agreed to be bound by any terms of the collection agency or the original creditor. The collection agency is illegally reporting this debt on my credit report in violation of the Fair credit reporting act ( permissible purpose ) and even attempting to collect the debt in the XXXX place is violation of the Fair Debt collection practices act by misrepresenting the legal status of a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
My complaint is about XXXX XXXX XXXX - collection agency recently form in NY. 
This is a debt collection Agency who refuses to give me a physical address. Instead, all they gave me was a XXXX XXXX XXXX 
Their tactics have included : falsely identifying themselves as a lawyers office or a mediation firm. Additionally, they have threatened arrest and stated that someone from the Sherriff 's office would be coming by to arrest at XXXX. 
Additionally, they have restated back personal information to identify that they know " what car XXXX drive '', etc. 
Additionally, they have spoken with other members about the debt other than an immediate spouse. 
I have today filed a CEASE and DESIST letter with the agency. 
I have today spoken to the original debtor -TD Bank XXXX who apparently sold the debt to another company and who apparently sold the debt to XXXX XXXX XXXX XXXX XXXX XXXX. They state that they have begun to have complaints about this company and asked me to send them a copy of the Cease and Desist letter. 
The original debt was about {$150.00}. XXXX has asked as much as over {$1000.00} or threatened arrest. 
These people need to be shut down. 
I have contacted an attorney on a cursory level who informed me to submit a cease and desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: FL
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
i have a transaction on my rushcard of {$140.00} on XXXX XXXX, 2015 that I did not authorize! I was already locked out of my account and could not receive my direct deposit and pay my rt i need my rent, car note or put gas in my car to get to work. I have tried calling to dispute this transaction and ask how could they let this happen? Ive never had this problem before. But I need my money to buy food for my XXXX year old and formula for my XXXX month old and I have to pay my cable bill as well. I do not feel that my funds are safe with rush card. I really need someone to contact me ASAP because my balance is now {$1.00} and I want to know where this transaction came from I am livid! All rushcard services keep doing is hanging up on me and I feel extremely disrespected!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-12
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was reviewing my credit reports and discovered a fraudulent " TARGET CREDIT CARD '' on my XXXX credit reports and XXXX report. I reported this fraudulent activity to the police and FCRA, and the US attorney general office, I want this Fraudulent activity deleted from my credit profile effective immediately. pursuant to the laws of FCRA 605B ( 15 U.S.C. 1681c-2 ) a fraudulent account has to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
TD bank is violating my my consitition rights XXXX withholding me from my direct deposit than denie me the request to speak to a manager when requested ... Td bank is constantly committing waste fraud and abuse to cause me harm reguardjng my direct deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Diaz & Associates, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Debt Collector contacted my office and told the person answering the phone that I need to pay my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am continually harassed about making my payment. They will send me text messages saying they are making a payment with or without my authorization. I am never more than 10 days past my due date when making a payment. They continue to text me and tell me they will repossess my vehicle the next morning if I do not make a payment immeadiately. If I am unable to take their phone call they will call a list of references I was required to give them to be able to finance my vehicle. I have not given them the authorization to harass my references but they do. I ask them for proof of the ability to repossess without giving me a 10 day notice to cure which they have not and I am repeatedly told its in my contract and they will highlight it and send it to me. Never have I received this document. Upon my financing I was told that this was the only company that would finance me but that was not the case I was also approved by XXXX XXXX XXXX as well but not given the option. This company I am financed with I was not told is owned by the dealership I used. I found out after they sent my loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
A customer of TD Bank, XXXX XXXX, XXXX, CT, loaned me {$3500.00} in XXXX 2016 for my daughter 's college tuition, She used her debit card to make the payments.to the University my daughter attends. The first payment was {$2500.00} which was made online from her home. The second XXXX, she accompanied my daughter on campus and made the payment.Service fees were also paid by her. Initially, arrangements were made between both of us for full repayment by XXXX XXXX, 2016. No Promissory Note was done as she said it was okay without one. I repaid her {$2000.00} of the {$3500.00}. I was having difficulty with my source of funds, so she told me to repay her in small amounts. She then decided shortly after telling me to pay her back in small amounts that she needed the balance by the end of XXXX 2016. I informed her that it was not possible and I would pay her on XXXX XXXX, 2016. Sometime in XXXX 2016, she contacted her bank and reported the first payment as a fraudulent transaction. The bank ruled in her favour and returned the money to her.I spoke with the bank and was informed that I was not a customer of the Bank and they have to protect the interest of their clients. I attempted to get back my money from this woman, she told me that she is waiting for me to take her to Small Claims Court. She is also denying that she loaned me the {$2500.00}. I physically visited the bank and showed the representative the text messages. She discussed this with her manager who instructed her to inform me that there is nothing they can do as they have to protect their client and I would have to go through the courts. I can not afford a lawyer and being repaid in small amounts will not assist me to pay the University.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance through M & T Bank. Everything went well till they stopped complete communication with me. The last email i received was one stating that everything was good and that we should be closing within 24 days approximately. As of today, I have not been provided with anything in writing, other than emails as to why they are denying my refinance. According to emails, they claim that the value of my home is too low, but i would think they would have known this since the very beginning. They charged me {$780.00}. I feel that i was mislead since they were the ones that insisted for me to refinance. They are my current mortgage lender, so I think them being in this business would have known that my home would not qualify. I currently owe about {$190000.00} and value came in at {$290000.00} which i also questioned since most homes in my area are currently for sale at {$350000.00} prox. I sent our original loan officer 4 emails asking for status and never received a response from him. I had to request management who finally reached out to me, but never received any assistance and just proceeded with denying my application. Not sure if i have a case or not. But, after researching them online it appears that they have been sued in the past due to overcharging customers. they also have very negative reviews.

Company response to consumer: Closed with explanation