BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-28
Company: NATIONS LENDING CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a refinance loan to 1 ) reduce my interest rate and 2 ) to get some cash for home improvement. I was told by XXXX XXXX that I could skip 2 payments reduce my interest rate and get the escrow on the old # XXXX in the amount of apx {$4800.00} dollars. Half way through the process a Senior Sales Manager named XXXX XXXX told me there was an issue ( XXXX/XXXX/2016 XXXX EST ). The title company said there was a shortage of apx. {$1600.00} and I would have to send them this money to continue. I was furious, the next, the next day he took care of it saying " We are good. I took care of it for you. It was n't your problem and is was n't right for you to pay for it. '' However in the end NLC paid the title money out of my escrow and added the remainder to my current loan # XXXX. NLC lied to me and miss represented themselves to me about the title company shortage. In the end I have had to pay for XXXX for my wife and I just had a XXXX also unexpected. Please help as I also have all the emails back and forth from XXXX XXXX and XXXX XXXX. PLEASE note half way down the " XXXX '' document you will see XXXX XXXX assures me of the financial outcomes. The " Issue '' document shows the Title company shortage issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Alpine Credit, Inc
State: CO
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:
This collection company continues to call me but they have never sent me any paperwork, no notices and no explanation on what the debt is for. After doing some research I found out that they are not licensed to do collections in the state of Colorado.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX. I was seen by a XXXX XXXX on two ( 2 ) occasions. XX/XX/XXXX & XX/XX/XXXX. I received a call from Allied Collection, stating I have a debt from such named doctor. I was n't made aware of a debt until now, on XX/XX/XXXX. I then contacted the office of XXXX XXXX. Where then I spoke to settle the matter. She was NOT helpful ... .RUDE. I was n't trying to get out from paying what I owe. I just was n't informed or contacted. Which having the same number for over ten ( 10 ) years & residing at the same address since XX/XX/XXXX. Again I do n't believe this action of fees is fair because I was n't contacted, then the time I was contacted and who I was contacted by 3 3/4 years later. Is their a " statute of limitations ''.

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
Consumer complaint received 2016-01-27
Company: Northeast Collection Bureau
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX @ XXXX XXXX I received a call from XXXX ( Northeast Collection Bureau ) asking to collect a medical debt ( {$700.00} ) for my daughter who 's a minor. They said she visited the XXXX XXXX on XXXX XXXX, XXXX. They had my full name and the last XXXX digits of my social security. They could n't provide me with an account no., physician name and the reason for the visit to the hospital. Since they refused to give me any information, I refuse to give them any information of myself. I hung up my phone and called my child 's insurance company and I was told that there is no outstanding bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Prospect Financial Group, Inc
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Prospect Financial Group , Inc. in XXXX XXXX, CA is an unprofessional lending group. What should have been a quick and simple refinance it turned into dealing with a company that made false promises and them dragging out the process that never went any where. They did not provide me with my good faith estimate within XXXX business days once I provided my application. On day XXXX, I still did not have my GFE. This company is out of compliance with HUD.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: ZWICKER & ASSOCIATES
State: MA
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:
Between XX/XX/XXXX and XX/XX/XXXX, I cosigned for my son a series of XXXX student loans through XXXX ( XXXX XXXX XXXX XXXX ). XXXX months after XXXX, he began the process of repayment. At some point in the following XXXX years, my son failed to make regular payments and the loans were subsequently turned over to a collection agency called Zwicker & Associates , P.C . 
When they reached out to me for the first time, I was stunned to find out my son and I were into this agency for roughly {$31000.00}. I explained to them that I as a cosigner, had never recieved a notice of delinquency from anyone, not XXXX, nor Zwicker. I asked them to produce notices of collection which they could not, instead steering me back to XXXX who when I called, refused to speak with me. 
My son since made an arrangement to pay them {$300.00} a month for XXXX years and that has now been increased to {$400.00} at 12 %. For a young man starting a career, that is a large sum at ridiculous interest which will take him years to pay off. He also has about {$80000.00} in additional student loans he 's paying down. What I would like to see is any type of collection notice sent to me as a cosigner. I would also like to see something done to eliminate the high rate of interest on these loans. I do n't dipute that the money is owed. What I am questioning is why I never recieved delinquncy notifications as a co-signer. In addition, this all went on my previously clean credit report as charge off 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: Financial Corporation of America
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We received medical care on XXXX XXXX, XXXX from XXXX of XXXX. After insurance, we were billed for over {$1000.00}. We paid the bill down to {$500.00}, and in XXXX we had enough money to pay the remaining amount and did so. We remitted this amount directly to XXXX on XXXX XXXX, XXXX, paying our account down to XXXX. A week later, the week of XXXX XXXX, we received a phone call informing us that XXXX had sent our account to Financial Corporations of America, a collections agency, for the {$500.00}. We informed them that we had just paid that amount the previous week. Financial Corporations apologized and said that they would confirm with the hospital that nothing more was owed. Then the following week, the week of XXXX XXXX, we received another call from Financial Corporations. We reminded them that we had spoken the previous week and that this debt was no longer owed. They found the note in their system and said that they had not yet received confirmation from the hospital. On XXXX XXXX we received a letter dated XXXX XXXX saying that we still owed {$500.00}. We contacted them and informed them again that we had paid that amount, she replied that they had contacted XXXX and XXXX said that we still owed that amount. She said that we needed to send a copy of our bank statement to the collection agency showing that the amount had cleared. We asked if there was someone at XXXX who needed to be contacted, and she did n't have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: American Credit Acceptance, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I have a car loan with American Credit Acceptance and I keep getting reminder payments for another consumer. I want this to stop as it is against CFPB regulations. I have made phone calls and yes they do call me back during working hours when I can not use my phone. When I return the calls I get voice mail. This is what I get sent to my e-mail at work! 
For another consumer I have received XXXX different e-mails.The XXXX e-mail I received was XXXX/XXXX/15, then on XXXX/XXXX/15 and then again XXXX/XXXX/15:

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was telephonicaly contacted by ARA, Inc and I spoke with a XXXX on XX/XX/XXXX about a debt collection attempt. I was informed that the original creditor was XXXX, the original debt was {$6700.00} which he further stated had been written off in XXXX, and the current debt to include fees/interest is now {$15.00}, XXXX. XXXX was very courteous and respectful throughout our conversation but I informed him that I did not recall any matters which might pertain to such a debt. He left me with the impression that legal proceedings were in the process of being pursued. I stated that based on the information he provided to me the Texas Statute of Limitations which is four years would have expired in XXXX ; however, I felt I needed time to think about this matter and my rights/options in such cases. XXXX stated he would hold on to the legal " paperwork '' until the next day and I would contact him again about this matter on XX/XX/XXXX. As agreed I contacted ARA, Inc on XX/XX/XXXX and asked for XXXX. I was told XXXX was in a meeting but XXXX ( sp? ) who I was speaking with stated he was a manager and he could help me. I informed XXXX that based on such limited verbal information I had no alternative but to dispute the debt. My intention was to let ARA know that I would in writing request validation, request essential specific information, and at this point dispute this debt. I also asked him if this was a " Time-Bared '' debt which he refused to answer ( I believe federal law requires him to tell the truth which he would not ). Unfortunately, XXXX then became extremely aggressive and rudely and repeatedly stated " XXXX, you owe this debt '' without letting me talk. He hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: General Motors Financial Company, Inc.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had car loan with GM Financial, they have the beginning date as XXXX XXXX, vehicle was not purchased until XXXX XXXX, which was voluntarily turned in XXXX of XXXX due to my financial situation due to a prior job loss. The car was sold at auction in XXXX XXXX. I received a notice from the IRS stating I owed taxes for XXXX on this car because GM Financial had turned in a XXXX for XXXX. I did not own the care in XXXX, there has been no activity on the account from me since XXXX XXXX. I also received a carfax on this vehicle, every year that I registered the car for my tag XXXX where I live, the car was also registered XXXX which indicates the car was suppose to be a lease, not a purchase as I was told by the finance company. The car was sold for XXXX and they turned in {$3600.00} on the XXXX, again in XXXX not XXXX the year I turned the car back in to the company. This was not earned income, I never received any income from GM Financial. According to all the fees, I more than paid the full price of the car and in addition they received an extra {$4000.00} when it was sold at auction. I have tried contacting the company many times and if I 'm lucky enough to speak with someone I only get the run around. BEWARE of this company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I have had an overdraft account with Santander for over 5 years now. I have not made any payments because the original balance of {$1900.00}, with interest, is now {$4700.00}. I keep waiting for this account to go to collections so I can pay a lower amount, but it never has. I just keep getting more and more interest charges.

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
Consumer complaint received 2017-04-28
Company: STERLING JEWELERS, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my  Kay Jewlelers acco unt on  XXXX / XXXX /   15  as " settled in full '' for the amount of {$250.00} through  XXXX   XXXX ,  XXXX . It is reporting on my credit report as paid in full. However, for the last  3 wee ks I have been receiving calls from  XXXX   XXXX   XXXX . They call and when I answer they hang up. I 've had to call back just so I know who is calling me. Once I reached someone I was informed that my Kay Jewelers debt was being sold for the collection of the remaining {$160.00}. If this account is paid/settled in full, why am I being harassed by collection agency that are reselling a paid debt?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Rushmore tried to sell our home on XXXX XXXX, 2015 and we were forced to file a bankruptcy to stop the sale. We have been trying to get help from them since the loan was transferred from XXXX XXXX XXXX to Rushmore. However, they will not open a review for assistance because they claim that they have reviewed us for assistance XXXX times already and they wo n't do it any more, but they have NEVER reviewed our loan for assistance. Unless they did it on their own. We are now in a situation where they are going to take our home away, even though we qualify for assistance through government programs. Our bankruptcy will time out at some point and Rushmore is unfairly trying to take our home away. Even if we did go through the process years ago, our finances have changed and we are in dire need of getting our loan back on track. Rushmore is not even allowing us to send in a package for assistance review because they say that our loan has been reviewed three times. We do n't think so. I am XXXX and my wife works, but does not make that much money to keep us from assistance. Please help us get into a negotiation with them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I signed up with Experian for free account several months ago. I have checked my account with them today and saw that I was being billed for a premium account that I do not recall signing up for. I called them and they cancel the premium account but will not refund any payments made.

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 2017-01-16
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I responded to an ad campaign about HARP loans, just to obtain information on the program. I stated clearly to the individual who called me back, that I was simply seeking information and that I was NOT making an application. He continued to require additional information in order to " give me the information I was seeking ''. They pulled an unauthorized hard credit report from what appeared to be XXXX different companies, each with a different credit bureau, making it appear that I had XXXX hard inquiries, resulting in my credit score declining by XXXX points. I filed a complaint with the XXXX and Quicken has refused to inform the credit bureaus that the credit inquiries were improper, stating that I had provided information that authorized the inquiries, even though I clearly stated that I was not making an application. 

They stated in their response that I requested a Home Equity loan, which I clearly did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Credit Solutions, LLC (KY)
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Approx. XXXX XXXX Credit Solutions LLC XXXX XXXX XXXX XXXX KY XXXX contacted my husband in regards to a medical bill that they are attempting to collect on. They did not ask who he was but proceeded to tell him the amount of bill owed {$4700.00}, the original creditor and asked if I had any intentions on paying my bill ... ... Actions previously taken, a separate CFPB complaint was filed against this same company by myself back in XXXX 2017 for threatening to take legal action against me and it was their first contact with me as well as called my multiple occasions on the same day after I told them that I would need to call them back. This is extremely concerning since one complaint was filed in less than a year against the same company for malicious practices and tactics to collect a dept.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I, received a call from a company stating I owe them money from XX/XX/XXXX Ace Cash Advance here in XXXX, TN this past summer. I requested proof and they refused to send me proof in the mail. On XX/XX/XXXX, I received a voicemail that showed on my caller id as XXXX. Then a voicemail appeared from XXXX stating her name is XXXX XXXX from The XXXX XXXX XXXX 's Office here in town and she says I need to call a XXXX XXXX @ XXXX. I returned the call and he is speaking to me about Ace Check Cashing Company payday loan from years ago. He stated the company has sent me out over XXXX pieces of documentation and they just received the unsigned certified letter back. I replied I have not received any correspondence on this matter. I then told him about I know years ago I had a couple of payday loans, but they were paid off or filed on bankruptcy. He then told me he can see when I filed bankruptcy. He says nothing like that is on the bankruptcy filing. He says there are XXXX warrants being issued for me and if I want to avoid, I can negotiate a settlement and he would remain on the phone until I received official documents proving the debt is settled and closed. He says he is trying to prevent the judge from signing the warrants for my arrest. He stated I can do XXXX3 years jail time because this is a federal crime and I can be responsible for paying {$5600.00} as opposed to the {$1100.00} he will settle out of court with me. I requested an hour to verify. I called our criminal court here in XXXX XXXX and I spoke with an employee in criminal court to ask are any warrants in my name. The employee I called stated NO. He stated the court system does not work like that. He instructed me it is possibly a scam and to report it. I called and was instructed on the different ways to report and to give the most information I could regarding to whom I spoke with. I called back and a female answered who sounded like the lady whom left me a message to call XXXX. She placed XXXX on the telephone and I asked what company was he representing. He stated pre trial and then was very short stating he is trying to help me and he respects me trying to confirm. I asked again and he stated XXXX. He stated he has other calls and he needs to assist others. He states he wishes me luck and the warrants will be signed since I did not pay. He then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: DISCOVER BANK
State: TX
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:
I am filing another complaint on behalf of my son. The original complain is Case number : XXXX. We were over 2 months behind on my son 's student loans due to the fact that Discover was asking for over XXXX % of his salary. We were paying what we could but Discover never recoginized it unless it was the full payment. I called and setup a plan with Discover to divide a {$2400.00} dollar payment into three equal payments and with each payment, it would reduce the days late by 30 days until it was paid out. We made our last of the XXXX installments on XX/XX/XXXX. The system still shows 57 days late and they havent sent the appropiate information to the credit bureaus. They say they didnt say it would reduce the days late by 30 days but I know they did. Just ask for the recordings of our calls. I would like an answer and I would like them to do what they agree to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05
Company: DISCOVER BANK
State: NV
Product: Credit card
Issue: Application processing delay

Complaint:
Discover credit card. Send me for invitation card to apply for it. And after I let them run my credit thy just denied me to have a credit from them. I 'm side is just kind of nonsense to invited me to use or run my credit scores for nothing. It just waist of my credit scores. 
Ps.. Just want to complain them because of useful using the points of the person score for nothing. I 'm hoping that there do n't do this anymore for the other customer. Thank and looking forward to settling this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I recently applied to obtain my free credit report and I was told that I have already oreded one. That is untrue I have never ordered one for 2015. I suspect fraudulefraud on my account with ExperianI suspect someone made inquiries without my authorization

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief