BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
American Education Services does not provide an accurate depiction of the monthly installment for minimum Payment in the Statements for when Payment Amounts change. With this being the case, I have noticed many discrepancies with what individuals from the company state in terms of these installments. This is throwing off payments being scheduled through their online system. This also leads them to think that I 'm unable to pay the Loans. They need to be transparent in how they report what is due each month and correspondence alerting borrowers of any changes should be communicated no less than 30 days from when the change goes into effect or when the new Amount change is due. 

In addition to this, they 've been sending payment requests to any and/or all co-signers even AFTER I 've made the required payments. If this is repeated, I will seek litigation for harassment, as they should be made aware that contacting other parties asking for payments to be made when I 've already done so is unethical and is very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card
Issue: Other

Complaint:
Bank of America failed to pay debt promised when I purchased their Credit Protection product for my credit card. In addition, upon submitting my initial claim they increased the Finance Charge on the balance due from a variable 3.99 % -12.99 % to a fixed 24.99 % therefore effectively making any payment they made under their Credit Protection Plan to my account useless in terms of reducing the balance due on my account. Furthermore according to the order from the Consumer Financial Protection Bureau, they failed to reduce the balance due by the amount they charged in fees for their Credit Protection Plan and credit my account the total of those fees. Lastly, they are incorrectly reporting the amount of the initial credit limit to the XXXX major credit bureaus as well as the date of the initial past due amount which causes the statue of limitations to extend past the time allowed under the law for which state I live.

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 2016-04-12
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have been harassed by Navient callers for months. They do n't give me any options to pay them back because they are private loans. They call me 7 days a week from different area codes and they call and harass my mother all hours of the day as well because she was the co signer on my student loan. I did n't even get a good job with my degree I used student loans on. Every time I pay {$150.00} just for them to stop calling me for a month. I told them I just had a baby and did n't have any income at the time and the lady said " literally '' that it did n't matter and I had to pay. No remorse. My alarm in the morning is Navient calling my phone. They call me at work all day. It 's putting so much stress on my family and I do n't know what else to do. The {$150.00} I pay does n't even go towards my loans. Just to Navients pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I have had a savings and checking account with Bank of America for many years. XXXX accounts were opened because they were free with direct deposit of my XXXX XXXX check monthly. Now as of last month, suddenly BoA wants to charge a {$5.00} fee if my savings account balance goes below {$25.00} at any time during the month. 
It 's bad enough that they pay no interest for a savings account, but now they want to charge a " maintenance fee '' if I do n't retain a minimum balance? What maintenance? I do all my banking online and they already restrict how many times you can transfer money from savings to your checking account each month. I do not believe this is legal or at least false advertising, they got me to open these accounts by offering them free and now they want to add bogus fees?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09
Company: CREDIT ACCEPTANCE CORPORATION
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I paid my car off on XX/XX/XXXX   with Credit Acceptance Corporation. I had a refund of {$730.00} coming to me. I called XX/XX/XXXX  as I had not received it. They stated they saw the check hadnt been cashed but I would have to wait 30 days to ask them for new check. On XX/XX/XXXX  I called again as I still have not received refund check. They said they would submit new request for check to be sent. I called today, XX/XX/XXXX  as I still have not received a check. They stated that today they sent over for a new request and would have to wait until they could verify a check they said they sent has not been cashed. I asked when I spoke to them XXXX that they said they were submitting a request and that now they are saying they just sent that request to another department today meaning I will have to wait however long until they finally resend a new check. They are blaming that mail just lost the original check yet I managed to get bill every month with no issue? 
I believe they are stalking and now it has been 2 months since I paid my loan off and still have yet to receive check on my refund. This is highly predator them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
It's extremely upsetting knowing that you have somethimg in which is reporting incorrectly to credit report, especially with it not even with your name. Portfolio Recovery Assosciates are reporting on my credit report with the name " XXXX XXXX '' and it's not my name. This erroneous reporting account has hurt my chances of acquiring credit, to buy a home and acquire a desired job for a secure and sustainable life. This collection is completely invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My account should not show any late payments because I have always paid on time. It is unacceptable to see late payments on my account, and I urge you to correct this error immediately.

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: Senex Services Corp.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
senex services a collection agency put a derragatory mark on my credit reports when i called to inquire they gave me an account number and oringinal creditor info. i went to the oringinal creditor and they stated they have no account numbers to match that for me and i have a balance of zero. when i contacted senex services and asked for validation of debt he said that he didnt have it that it would take him a couple of months. I want the entry removed from my credit they never contacted me by mail or phone and was very rude when i called to inquire basic information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts are NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested showing how these accounts where even opened. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. 

My FTC report is included. 
The report number is : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Please remove any inquires that have no account or is shown as duplicate. My credit file needs to be up to date 100 % accurate no inaccuracies or else you went against the law.

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 non-monetary relief
Consumer complaint received 2016-05-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked IC System Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 2015-08-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Hello, I would like to dispute a few errors on my credit report. First, XXXX bank says that I opened a " Credit Card '' on XXXX XXXX, XXXX and closed it on XXXX XXXX, XXXX as unpaid. I have never applied for a credit account with XXXX. I would like this taken off of my credit immediately. If you are unable remove this from my credit history, I would like supporting documentation including signatures showing I applied for credit and agreed to the terms and conditions on the account. 

Because of this, there is a public record from the XXXX XXXX XXXX courts for a garnishment of my wages by XXXX XXXX XXXX and XXXX for the {$1700.00}. This case should not even exist as this was a write off error from XXXX stating this was a credit card debt. I was not aware that a " default judgment '' was going on from XXXX to XXXX, as it clearly states that I have NEVER signed for a judgment or garnishment. There can not be a case without a valid signature from certified mail. I have reached out to XXXX to provide documentation of my knowledge and signature that I did agree to this debt, which they can not provide. 

After realizing now that my wages have been garnished for {$1700.00}, I would like XXXX to reimburse me for the illegally garnished wages for the five years as there is no documentation and no representation. 

Thank you, XXXX XXXX ( XXXX ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TMX Finance LLC
State: SC
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't contact lender

Complaint:
Received email from lender stating that they were going to sue me and inform my employer and I was only 2 days late. Here are their words : " Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently refinanced my house with the same lender. The closing date was set at the end of XXXX and I had already sent in my payment for the month of XXXX. As there was to be two months of " skipped '' payments ( notice enclosed ), this would have been XXXX and XXXX with payments beginning XX/XX/XXXX. I called the broker, XXXX, who stated that Sun West Mortgage would catch the error and return the check. When the check was not returned in several weeks ' time, I began inquiries. They acknowledged receipt of the XXXX check, but after that, there is obfuscation only. One individual claimed that the payment was included in the return of the escrow account, which is false ( copy of the escrow balance and the check enclosed ). Enclosed is a copy of the letter which I sent to the CEO ( no name was given in the online information ). I have also enclosed a copy of the " stub '' from the statement for which the XXXX payment was made. I also received an email from a XXXX, Servicing Representative stating that they would provide me with a formal written response by XX/XX/XXXX which did not happen. Documents are in the attached PDF file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Genesis Lending
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I attended XXXX which is located in XXXX, i was told i would find a job easily after graduation but the reality is that career representatives will push job leads requiring 4 to 6 years experience so i would wonder why??? The curriculum was out of order. Some classmates were denied education due to late payments. So now i have a minimum wage job to get me by in life while i have to pay student loans for an education that im not using.

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 2015-09-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
We applied for a personal loan through Wells Fargo. The agent was more concerned about getting us to sign up for additional services and when we were not interested, our request for a loan was mysteriously rejected. 

The paperwork that Wells Fargo provided did not provide the credit bureau that the request was processed through. They would not provide any information as to why were denied and we were only referred to XXXX XXXX. 

We both have good credit scores, and we were able to go to our bank and be approved for the same amount immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Navient has been a huge problem, this morning they called my home at XXXX demanding a payment of {$100.00}, plus over {$900.00} in late fees, when I visited the website today it shows and outstanding balance of {$27.00}. First, why do we have people from other countries ( XXXX ) handling matters of student loans? Second, when I made a payment in XXXX I was told I would be given until XXXX to restart payments, now I 'm being told that is not true. The person who assisted me in XXXX is from XXXX, PA, now someone from the XXXX is stating that is not true and demanding payment today, immediately as the payment is 19 days past due. First when I took these loans from XXXX, I was never permitted to read what I was applying for, it was " sign here, sign here, sign there '' no copies of anything and next person on the line. I 'm not saying I do n't owe the money what I 'm saying is that since Navient has taken over for XXXX, it seems like the amount I owe has risen, no assistance with helping me with forbearance or other options available. First, what I studied at XXXX has never, ever been put to use, I continued to earn between XXXX and XXXX a year. Currently my wife is unemployed, I pay {$1900.00} a month rent and times are difficult, yet all Navient seems to do is to call my house 3-4 times a day, leave no message, sometimes my wife answers and they hang up. I 'm tired of being mislead by Navient and the lack of honest and willingness to assist. XXXX should also be investigated for their Student Loan practices as I believe they were taking advantage of innocent students. In XX/XX/2004, I was in total XXXX ( XXXX ) XXXX and have been diagnosed with a XXXX called XXXX which can lead to XXXX, but received no assistance from XXXX or XXXX at that time and the interest just kept rising. Previously I 've been told that I have no forbearance time left and today I was told I can consolidate my loans ( which I did a year after gradutating XXXX ), I have other options. I mean this seems like a total paradox. I have all of my original documentation that was provided to me by XXXX. As well as the IBR paperwork showing I only need to pay {$77.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am writing because my student loan provider is NAVIENT. I currently have a debt of {$130000.00}. I 'm having issues because I am on a payment plan that I ended today XX/XX/XXXX due to them not keeping up on fixing issues that have been discussed. They are charging me late fees when my payments are automatically withdrawn from my checking account. I received my tax statement for XX/XX/XXXX and by there records with me paying {$580.00} a month I have only paid {$1500.00} in interest. They are also reporting on my credit report that I am missing payments and that they have been late but they are withdrawn every month on XXXX which was our agreement. Every person I have talked to about these issues through NAVIENT states they will resolve the issues but they are still occurring monthly. I 'm really attempting to work with them to repay these loans but the interest is at 10.2 % on some of them just building and building up. At this rate no matter how much I 'm paying monthly they just keep racking up fees that are not described in my statements. I 'm a XXXX and i do not make thousands of dollars a day like NAVIENT does. I need help I 'm drowning, and there are n't a lot of options for private student loan debt. I 've looked into other options they stated they would take {$90000.00} as a charge off but I unfortunately do not have that kind of money lying around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: NRA Group, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I finally received the documents from said company end of XXXX and faxed them over to the number listed on the package. I have yet to receive any correspondence. This was faxed over on XX/XX/XXXX. Please respond to my dispute this inaccurate collection from my report. I do not owe national grid this money and should not have this listed on my credit report. Please see the previous complaints. I have provided all necessary information and have done as requested but your improper use of stall tactics is keeping me from accomplishing my goals in a timely fashion. I have attached a copy of the fax that was sent.

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 2020-05-01
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  Experian XXXX XXXX  should not be reporting a collection/chargeoff in the amount of {$890.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed. I have contacted the bureaus to remove this however, I have not been successful.

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 2016-07-01
Company: Regional Management Corporation
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this company calls me several times a day. At least 4 or 5 times and leaves several messages. I thought they were only allowed to leave one message per day? This is getting on my nerves.

Company response to consumer: Closed with explanation