BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-09
Company: EdFinancial Services
State: AE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Almost ten years ago I heard about the Federal Student Loan Repayment Program for government employees. I immediately called my servicer to enroll in the program. At the time I was advised by the servicer that I was enrolled in the wrong repayment plan and that I needed to switch plans. So I switched from an income based plan to a 20-year repayment plan based on their recommendation. This had no effect on me personally as the payments were the same in my particular case. Every couple of years I called and checked on the status of my loan and even submitted the necessary paperwork to update my employment status. This past year I called to enquire about the status of the filing paperwork which I had been assured would be available when I had completed my ten years of payments. At this time I was advised that I had been enrolled in the wrong repayment plan for the past ten years and no longer was eligible for the program unless I started making payments for another ten years! Not only was I in the wrong plan but according to my new servicer if I had stayed in the original repayment plan I would qualified! I can not express the anger that I felt that I had been relying for ten years on a benefit that I was not longer eligible for! I was even more alarmed to find out that this is not an unusual circumstance. Of the handful of friends that I have who also qualified for the program, over half spent years making payments that were ineligible based on advise from their service providers! I have no idea what my rights are in this situation but I feel like at a minimum the servicer should face a penalty and other people should be made aware of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I was originally sued for a $ XXXX bill. They debuted my account over {$4000.00} and left me with a negative balance of over {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: R & B Corporation of Virginia
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Attn consumer service, My name is XXXX XXXX XXXX .| am XXXX XXXX XXXX. My social is XXXX. My address is XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 23455.my phone number is XXXX. 
| am attaching original bills | received From XXXX XXXX XXXX. | sooke to manger patient account service at XXXX and made several request. But they refused to help me. about 3 credit Bureaus policy of not reporting less than {$500.00}. What they have done all different time and date service they accumulate and reporting to finically hurt people intentionally.

When| visited dr | told him my hard ship. Dr said do not worry. From my insurance they got paid and they did breach of trust. | could have gone to Hospital where if | do not have income they forgive. This is a federal law. 
Another they have reported on XX/XX/2016 where it should have been reported early. This will extend 7 years time frame. | have less than year left. 
This has done lots of Finicial damage to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XX/XX/XXXX ; I contacted Discover card to inquire as to my balance due. I was informed that the balance due was well over {$2400.00}. I immediately checked my account activity and learned that there were multiple cash advances, {$500.00} each plus service charges. I contacted Discover, I informed them that I had not received any alerts regarding this activity, ( my alert was set at {$100.00} ). I closed the account and spoke with a representative who assured me that Discover Card 's Fraud policy was in full effect and I was not responsible for the charges. I had also paid an extra monthly fee, for the Wallet protection plan through Discover. The following day I received a call from XXXX, Fraud Protection, Discover. He said the I was responsible for the charges, he questioned me about my living situation, insinuating that another person had taken the card & etc. XXXX even wanted to know what I had purchased at XXXX! He then advised me to go to my local police department to report the fraud incident. Even though the cash advance transactions took place in California, XXXX said that my local police had to do the investigating, not Discover. The following week I was informed that my Discover email had been changed from XXXX to XXXX. This occurred after the first cash advance, yet no alert was triggered for my account. I also received affidavit/documents from Discover, which I promptly completed and returned. XXXX was confused as to why my completed forms were mailed to XXXX, not XXXX? I then received a duplicate set of documents which included a cover sheet asking for highly personal information, which Discover already has in their possession. I refused to complete this form and return it in the mail based on what had occurred. 

I do not understand why XXXX told me not to pay the charges I actually do owe. He said to only pay a fraction of the amount due. XXXX informed me that the balance should be paid later? 

Discover has failed me in every way possible. I have been a loyal customer since XXXX. I feel betrayed on so many levels. I am seriously considering contacting my friend at XXXX, to tell them how well Discover takes care of their customers. 
Below is your advertisement, what a joke! 
Your Security Is Our Top Priority 24/7 monitoring of every Discover card purchase for every customer {$0.00} Fraud Liability Guarantee, so you 're never responsible for unauthorized purchases on your Discover card Account alerts via email, phone or text if something looks unusual

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-14
Company: DISCOVER BANK
State: CT
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I paid off all my balance and closed my Discover card sometime last year. After a couple of months I received a statement for a membership fee plus a late fee. In XXXX last year I called the Card Company and told them that I had already closed the card and protested to them about the charges. They agreed to remove all charges and told me that now the card had been closed. For a number of months I received no statement from the card company. Sometime in XXXX I received another statement from the card company now with a much larger late fee. I again called the card company and told them that I had closed this card twice and have made no transactions on the card. The first agent told me that she saw the noting about the XXXX discussion, however she did not have the ability to take any action. She forwarded me to another agent. In this way I was forwarded XXXX times. I got frustrated in the process and told the last agent to do whatever he could. He asked me if I wanted to dispute member ship charges. I told him that the charges had been already taken off by them. Therefore I should not have to dispute them again. I also protested about the number of times I was transferred without any resolution to my problem. He said he could not take any action. He asked me if I had any proof that I closed my account. I told him that I had closed the account by phone. 
I keep receiving monthly statements with additional late fee. Now for a charge of {$10.00}, XXXX which had been earlier cancelled XXXX the balance stands at {$270.00} XXXX almost all late fee ). I feel that I am being harassed by the card company and request your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04
Company: MIDFIRST BANK
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
And several locations they make sure they dont pay post my payments are there real late and posting my payments and currently doing that now causing me to go into foreclosure and getting an attorney and spending extra money in time to avoid foreclosure this is happened three times before I dont know whats wrong with my lawyer and why they havent caught this but they are companies that are notorious for doing things like this I would like somebody to represent me and help me through this process they say theyre three months behind and Im not Ive gotten all the bank statements and proved it to my lawyer and to them and still at no regard got nowhere

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 2016-10-03
Company: Monterey Financial Services LLC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX XXXX I purchased a XXXX vacuum cleaner from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. They got it financed through Monterey Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX at 22 % interest, 36 months paying XXXX a month. I have made XXXX payments so far. In XXXX I went on line to make a payment using my credit card because I had n't worked all summer and I knew my bank account would be short. I did n't want a late fee so I payed it on the due date XXXX/XXXX/XXXX, but the payment on line was XXXX. I submitted the pay then called to let them know I had paid it. I was told by XXXX that I would still have to pay a return check fee of {$25.00} because they had processed for the check to come out of my account and it would be returned as insufficient funds. She told me the XXXX was to cover the online fee of XXXX and the payment of XXXX ( my payment ). I said why the extra XXXX. XXXX. She said she could take that as part of the XXXX rcf, and she would attach the balance of XXXX to my next auto draft. I said fine. My XXXX Payment was XXXX. The XXXX was satisfied. Today I got a call saying I still owed {$8.00} + change, and they were calling to collect a debt. I explained that I did n't owe anything other than my regular payment. They told me I owed processing fees and the rest of the {$25.00} fee. They told me I payed by phone which is {$15.00} not on line like I actually did. Plus there was nothing on the website that indicated a fee to pay online. I paid this bill to avoid the {$99.00} payment when you are late. This happened to me once when I was a day or XXXX late a nd I thought it was excessive so I did n't want this to happen again. When I said I refused to pay it because I paid the fee, XXXX the supervisor told me she would wave the XXXX dollars but I would still have to pay {$3.00} with a {$15.00} processing fee because the penalty for them not collecting the money directly from my bank account totalled {$99.00}. Regardless the figures just did n't add up. I am disgust ed with them. They are charging and over charging because at the time of purchase my credit was not good. I feel I 'm being robbed and cheated. I want to pay for this product but not with such harsh penalties and high interest. I am retired but still working to keep up my responsibilities. These people are crooks. Total cost of product {$1500.00}. But I still have over a thousand to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
Borrowed {$240000.00} to consolidate credit cards and mortgage loan ( # 1- {$220000.00} XXXX XXXX pay off # 2- {$12000.00} XXXX XXXX pay off and # 3- {$6700.00} XXXX card pay off. 
First American Title payed {$6000.00} or {$680.00} short for the XXXX card by mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I disputed a debt for an apartment rental where the lease was terminated prematurely by the co-occupant, 1 month prior to the expiration of the lease. I never actually lived in the apartment. I was simply the guaranteer, but was required to sign a lease as well. It was sent to a Rental Recovery Solutions, XXXX. I asked that, in addition to a copy of my lease, and an itemized list of alleged debt, I ask that they provide a copy of the co-occupant lease signed by the co-occupant, as well as a copy of the 60-day notice to vacate that I provided. The Recovery company did provide an itemized list, the last page of the lease with my signature, but no other part of the lease. Nor did the company provide me with a copy of the 60-day that I signed, or a copy of the co-occupant lease. They are also charging me a fee of XXXX for rental insurance. I received XXXX phone calls from this company, and each time, I have informed the company that I was recording the converstion. Each time, I was told that I either had to agree to not record the call, or they would no longer speak to me. I refused to agree to such request, so they then hung up each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Caliber Home Loans, Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning in early XX/XX/2023 I requested via phone to start the process to have my PMI removed. Over 3 months later, it still has not been removed. Caliber 's own process was to get an automated value, which I paid for as soon as instructed. The value came back at {$710000.00}. My balance at the time of the request was {$480000.00}. This yields a loan to value of 67.7 % which is well below the legal requirement of 75 % or less. I had paid 24 months of consecutive on time payments at that time ( and all payments since ). The Homeowner 's Protection Act requires the PMI be removed if requested after 24 months of on-time payments and if at an LTV of 75 % or less. However, Caliber keeps sending me letters saying the value isn't sufficient and they need another appraisal in order to determine if it can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Specialized Loan Servicing Holdings LLC
State: VT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a conventional home mortgage through XXXX financial which was opened in XXXX of XXXX. When XXXX XXXX went out of business my mortgage was sold off several times until it landed with Specialized Loan Servicing, based out of XXXX XXXX, CO. This buyout occurred approximately XXXX, XXXX. At that time, my mortgage balance was at {$72000.00} and my monthly payments were at {$560.00}. While attempting to work with SLS, I had submitted for a XXXX hardship re certification of my mortgage. The solution from SLS was to then increase my mortgage payment buy almost {$300.00} taking monthly payment up to {$850.00}. I decided to vacate the property in XXXX of XXXX and notified SLS accordingly. I have attempted to do a short sale on at least XXXX seperate occasions as well as a deed in lieu twice. I have hired XXXX separate realtors over the past four years and each realtor ultimately resigned, stating that SLS refuses to cooperate in any way with the sale of this property. Four years later, I still have this property attached to my name which is destroying my creditworthiness. SLS is reporting several inaccuracies to all three major bureaus including : incorrect balance, incorrect monthly payment, and incorrect origination date. They refuse to short sale, deed in lieu, and even foreclose. I have disputed the inaccurate information being reported by SLS, to all XXXX credit bureaus, but to no avail. The home has been appraised, both by a private company and by SLS. XXXX appraisal came in around {$35000.00} for the property as it stands due to economic collapse in that area. Given the assessed value of the property, SLS continues to increase the amount owed every month to a now staggering {$66000.00} in late fees alone.

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 2022-11-04
Company: United Collection Bureau, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has and still has a system breakdown where myself and hundreds if not thousands of consumers can not access their accounts to pay or use their credit cards. 
XXXXXXXX XXXX will not take responsibility for this and now has passed off to collection agency after ruining my credit. I am part of a class action law suit and am waiting for settlement as per my lawyer. I, along with hundreds if not thousands are suing XXXX XXXX  for ruining our credit. XXXX XXXX XXXX irresponsible actions have caused me to lose the ability to lease space to teach my classes and have impacted my ability to earn income as well as renting and purchasing a home by decreasing my credit score from good to fair to poor all their fault. I will counter sue XXXX and credit collection for this. I have months of proof with broken links sent by XXXXXXXX XXXX  and proof that I could not access my account and associates who could not access or find my account. I have a stellar payment history with all my credit and XXXX up until XXXX when their system was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: DISCOVER BANK
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was mailed an offer from Discover for a rate of 15.24 %. I called to verify the offer before I applied for it online and was told it was correct. When I applied with them my credit score was a XXXX. My promotion ended with them and now they have charged me a rate of 23 %. That 's insane. When I spoke with a manager they said they would lower new purchases to 18 %. They said when I opened the account it was 22 %. Why was I offered a lower rate today when my score was higher at time of opening? I want what I was told. I feel like they are trying to rob me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is misrepresting itself by continuing attempts to collect a debt I do not owe. They have now changed their name on my credit report to Wakefield & Assoc. XXXX XXXX which is the same address as XXXX. XXXX. deleted this fraudulent collection account on XX/XX/2016 and the same day the affiliate Wakefield was on my report about the same account that was verified by XXXX that is not mine which is why XXXX rec deleted themselves from my report. This is false, disceptive, and misleading practices by these companies. That 's why I contacting CFPB, the FTC, the states attorney general and the better business bureau to inform them of this unfair practice by XXXX. and Wakefield & assoc. from XXXX, TN. Revenue added this on my credit report XX/XX/2016 and it was removed because no such debt exist, then XX/XX/2016 this {$240.00} amount was added back. I disputed again and it was removed again and now XX/XX/2016 their affiliate Wakefield is attempting to collect on a false debt they know does not exist. I need these companies to be held accountable for their false practice and I want other consumers to be aware of unfair practices such as this so they will not be a victim of bullying by a debt collector such as XXXX. and Wakefield and Assoc. I want this company to stop harassing me and trying to collect on a debt that does not exist and to accept that and stop trying to be vindictive in ruining an innocent consumers credit.

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 2015-09-28
Company: Herbert P. Sears Co., Inc.
State: MT
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted the debt collector to find out who I originally owed the money to. I spoke with a representative and a manager. Neither would provide me with contact information for original doctor 's office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XX/XX/XXXX, I received a statement from Discover Card stating my charges for the prior month. Included on that statement was an erroneous charge. I reported this to Discover and was told that they would remove the charge but also had to cancel my card so the number could no longer be used. They also said they would issue me a new card. They removed the erroneous charge and canceled my old credit card number and I sent them my credit card, cut in two. but they never issued me a new card. Later when I told them I 'd never received the new card, they said I 'd have to re-apply for a new card. After much haggling, I finally tried to apply for a new card. But they rejected my application saying they could n't verify my credit. I found that that was because when they canceled my credit card, I no longer had any credit. my credit history consists of only several closed accounts so my credit score dropped from XXXX to XXXX. So Discover wo n't issue me a card because " they '' canceled my prior card. Now I have no way of obtaining credit even though I 've have perfect credit for the entire time I 've had a credit card beginning in XX/XX/XXXX, 29 years. I do have a Debit/Credit card from my bank the XXXX XXXX, but I 'm led to believe that that credit is only valid through that bank and is not reported to the national credit reporting agencies.

Company response to consumer: Closed with explanation