BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-13
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
We applied for a HELOC through Key Bank in XXXX, because they were offering a 2.75 % rate on the first and told us we could get 4.5 % on the second loan. We were promised repeatedly over the 3 month application pending period, that we were getting these rates. While signing the document for the first, we were told that they " do n't put the rates on the documents '' so they could n't show us the rate we were signing for, and we would have to call customer service to verify that we were getting the promised introductory rate. During the second signing, I noticed on the document that it said " 5.91 % '' rather than 4.5 %, and asked about it. They said that was the rate plus prime, and if we have a problem with it, we should n't sign the documents. Of course we were already there, and felt pressured because we had already spent over 3 months trying to get these loans, and were waiting for the loan to start designing a remodel. Only after signing the documents did I call customer service and they told me we signed a loan at 3.99 % for the first and 5.91 % for the second. Quite a bit higher than we were told, repeatedly. The entire process was very sketchy. We even have emails with them telling me I would get the 2.75 % rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11
Company: Linebarger Goggan Blair & Sampson LLP
State: AL
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:
Received a collection agency notice to collect a toll I do not owe. If I had owed it, I would have receive a notice from the State of Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Bronstein & Weiss Arbitration
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I continuously receive calls from a companies ( the name and number change each time ) with the scam stating that I owe a debt and they 're filling charges with the courts for felony check fraud if I do n't pay them money. They call my work, my husband, my family, my mother-in-law, my husband 's ex-wife and others. I told them not to call my work or anyone else and to serve or send me with papers verifying the debt. They wo n't even tell me what the debt is. That is why I know it 's a scam ... That and the fact that this has been happening for years now and still have not ever received any verification. I 'm tired of being harassed. 

The latest call to my mother-in-law was from a place called Bronstein XXXX XXXX from XXXX. My husband received a voicemail from an unknown number to call back at XXXX. The guy said that court papers were being delivered to my work and home for failure to comply. He did not mention his name or the company 's name. My husband saved the voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with ShellPoint Servicing and it has PMI. Now that the house prices have gone up, i requested them for PMI cancellation. They sent me a form to sign which also forced me to sign for appraisal at my cost. After all these, now, they say, the PMI can only be removed based on original Loan Amount, and not the current appraised value. My compaints, 1. They didnt tell me this earlier, 2. When they knew this, why did they ask me to sign for Appraisal, 3. they charged me for appraisal. 4. they dont give me the PMI requirements clearly in writing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
my name is XXXX XXXX my telephone number is XXXX my address is XXXX, TX XXXX I 'm complaining about my heart loan that was originally approved with XXXX XXXX XXXX the originator of my loan which was done back in 2005 I completed the process of acquiring A harp loan but my payments have continued to go up regardless of the guidelines that are set is a hard process. XXXX alone servicer made numerous errors in the accounting of my account in regards to figuring the escrow and taxes in which they more than once regarding the right amount of tax to be assessed on my XXXX a {$3000.00} unapplied funds which had to be retroactively corrected after having my loan for less than a year they transferred the loan to Shell point mortgage servicer also increase my payments even while I was under the harp program saying they had the right to ask for an additional {$900.00} to Cushing my loan they have failed to provide me monthly statements they help with failed to return phone calls you 're unwilling to provide documentation is on what they 're doing I 'm filing this complaint in regards to my Shellpoint Mortgage Servicing loan number XXXX. Shell point mortgage servicing address is XXXX XXXX XXXX, XXXX, OH XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ex wife defaulted on a medical debt. Company tried to get me to pay. Notified them debt was not mine. They sent it to collections. Asked for validation, collection company sent a copy of contract signed by ex-wife. Sent Collection company a response with proof of divorce 10 years prior to date in XX/XX/2023. To date collections company has neither acknowledged nor corrected the error.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Bronstein & Weiss Arbitration
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
several threatening calls would not send me any documentation as requested. Hung up on me whe I kept insisting on paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Linebarger Goggan Blair & Sampson LLP
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Linebarger Gogggan Blair & Sampson LLP Depth collection claim that I owe XXXX XXXX {$220.00} which already been pain in full to sunpass from my debit card and I told them that already been paid they still want me to pay them regardless

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I would like a credit line decrease on my CapitalOne card. I want to apply for a new card from another providers and eventually cancel the CapitalOne card. I want to reduce my revolving credit to get the best rates from the new company. I requested a credit line decrease from CapitalOne which they denied and will not tell me why. I asked to speak to a supervisor, and was told that no person can override the computer determination that I am not entitled to a credit DECREASE. 

I do n't why it is even lawful for a credit card company to decline to DECREASE consumer credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TEXAS CAPITAL BANCSHARES, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX -- made deposits into savings account. Attempted to log in and learned that access to my online account was suddenly disabled without notice. I contacted the bank via phone, and was not informed of the reason why the account was disabled or when I can expect my access to be restored. I am now unable to access my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: LEXISNEXIS
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have contacted Lexis Nexis previously regarding information being reported on my CLUE report. Lexis Nexis has failed to take any action. Lexis Nexis reports that I was the driver of an accident that occurred XX/XX/2015. I was not driving the vehicle nor was I present when this accident occurred. Additionally, I have submitted documentation showing the driver of the accident was XXXX yet Lexis Nexis fails to remove the erroneous information from my report. 

Insurance companies are using the information reported by Lexis Nexis to rate my policies which is causing me a loss as my premiums are higher due to this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Check N Go / XXXX Account No : XXXX I would like to make a complaint against XXXX/Check N Go. This payday company is great at misleading consumers, I was told that the interest rate was very low and would be able to pay off the loan quickly. When I fell ill I call them to stop taking money out of my account which the told me I had to come in and write a new check for the to hold. Check N Go continued to Ach my account even when I told them to stop. I had well over {$120.00} in NSF fees just because they would not stop the ACH. I had problems paying back my loan because I 'm on such a low income. I contacted you to say I was in financial difficulty and Check N Go told me that I could not defer any payments. I have tried to work with them but the continue to harass me, and damage my credit. The manager who work in the branch XXXX XXXX CA even told me that Check N Go knew it would be hard to pay off their loans that 's why their interest rates are so high, and he does not even work for Check N Go anymore. I would like for Check N Go to stop their unfair business practices, of misleading consumers with their deceiving high interest rates. I do not owe them any money the have over drafted my checking account to the point where I was force to leave my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please see attached letter to the " Bureau of Medical Economics '' in XXXX, AZ.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07
Company: 360 MORTGAGE GROUP LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
The 360 Mortgage Short Escrow Account Disclosure shows that the 2016 second quarter payment actual was {$1000.00} ( Attachment 3 ). 

The XXXX Treasury ( Attachment page 1 and 2 ), Attachment page ( 2 ) two indicates that the total payment made by 360 Mortgage amounted to {$580.00}. As a result the escrow account payment due to me, is {$450.00} short.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: CNG FINANCIAL CORPORATION
State: NE
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Sent multiple notices to stop contact under the FDCPA, collector continues to make repeated harassing phone calls to XXXX parties and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: CNG FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX or XXXX different employees at the Check N Go loan store have been informed by my supervisor that I can not accept personal phone calls at work but they continue to call several times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Hello I am familiar with a lawsuit that you and Attorney General XXXX XXXX have made against Navient and XXXX XXXX and I would like a voice in this matter! I am one of the many students affected by the company Navient. 

I recently read the article on what you plan to do to these big loan companies. One of which I actually have student loans with and let me tell you they are n't pretty. I am XXXX years old and moved to XXXX in 2015 to attend the XXXX. I graduated XX/XX/XXXX, and I am still in New York pursing my XXXX career. I already have a XXXX and XXXX, but naturally I am struggling. To come here I took out the Parent Plus Loan. The first year my parents co-signed and the second year my now retired grandparents co-signed. I currently have {$80000.00} of student loan debt in my name. The funny part is that {$65000.00} of that debt is technically under my parents because they co-signed, and they are basing my payment plan on the {$70000.00} my dad makes in a year. But the kicker is that my parents are unable to help me pay my loans because they are caring for XXXX other children at home. So I am in this alone with a payment of {$480.00} every month for the next 25 years. That payment on top of {$770.00} for rent, {$110.00} for my monthly XXXX card, and {$100.00} a month for groceries. I am working XXXX jobs and having to sacrifice money for the student loan payment and rent out of my grocery money. The XXXX jobs are not cutting it and I might even have to get a XXXX. I have not time or effort to put into my career and it really makes me sad. I even went so far as setting up a XXXX account to see if I could wrangle up any kind of help. I hold an XXXX in XXXX. XXXX is my passion, the only thing I want to do and I barley have time to dedicate to it because I am working day and night just to have enough to survive life and the loan. I really want to be a part of what you are doing and have a voice in the matter. I want to be a part of this and maybe some relief for XXXX just like me can come of this. If you read this email PLEASE HELP. I ca n't do this alone anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Southwest Recovery Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
SOUTHWEST RECOVERY has not provided proper validation of the debt and they continue to report to the credit companies. SOUTHWEST RECOVERY is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I received a claim form in reference to IQ data international. The company was requesting a change of address, telephone number and name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: ORG GC GP Buyer, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been getting contacted by an agency called " GC '' Services and they will not tell me why they are calling me. I am not past due on any accounts that are owed and will not provide me with any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-19
Company: ORG GC GP Buyer, LLC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am in the process of getting my loans out of default. I initially called the XXXX to get a breakdown of all my Direct loans. I was informed by a representative of the XXXX that my loan is now being handled by GC Services. I was provided with the contact information ( XXXX ), and gave GC Services a call immediately. The agent handling my case provided me with amount of money owed for the Direct loans, and told me I was required to speak to her manager if I had specific questions on the defaulted Direct loans and options for repayment. I agreed, and was transferred to her manager who then proceeded to explain the option of the Rehabilitation Program. Once he finished explaining what the Rehabilitation Program is all about, he proceeded to ask me questions like, my most up to date address, phone number, and place of work. I explained to him that I did not feel comfortable providing that information until I considered all my options first, and by doing so I needed to know what the monthly payment would be if I considered the Rehabilitation Program. He proceeded to tell me that he will not give me that information until I told him I wanted to participate in the program. So, I told him if he did n't want to provide the information to me I would go along pretending I was going to participate in the program just so I can get an idea of what my monthly payments would be. Once he gave me the monthly payment amount, I proceeded in telling him that I will not be moving forward with the program until I know all of my options. He then threatened me with garnishing my wages if I did not participate. Although I am aware this is a possibility, under the Fair Debt Collections Act, it is prohibited to threaten any person in connection with the collection of a debt. This is a threat and should no be tolerated by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: ORG GC GP Buyer, LLC
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have tried multiple times in good faith to enter into the loan rehabilitation program with GC Services, who is a debt collection authorized to operate on behalf of the US Department of Education, to get out of default and get my loans into the {$0.00} repayment program with the rest of my federal loans, and I have been completely hamstrung at every turn. I have sent in all the forms as requested, and then got a call a week later stating they did n't have our forms. So I sent in the forms again, and yet again a week later, I get a call stating that they do n't have our forms. So, this time I had the person stay on the phone with me until she clearly saw that she had received all the required forms, and stated as such over the phone. Then, a week later I get another call stating my bank account information had changed and they could n't withdraw the payment which is a lie, because I 've been with the same financial institution since 2010. Then, on a later call, they acknowledge that was probably their error but if we wanted to continue on the plan we would have to start the whole thing again. Now, even after all this I have had my entire federal refund " offset '' due to their incompetence and the program not being finished in time for this years taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I have lost my Discover card and copy of my social security card last year and when I discovered it I called the bank informed them about the matter and disputed all unauthorized charges from my Discover bank credit card. 
I have never authorized any charge from my credit card. My credit limit during that time was {$9500.00} and I still do not understand why Discover approved transactions over my credit limit which totaled charges approximately {$10000.00} additionally I already owned {$1500.00} on this card. Their security department never attempted to contact me and verify any transactions. 

And it is more suspicious and ridiculous their statement that somebody has called them from different number and authorized it. No evidence was provided to me and why Discover authorized it without verifying with me remains a big question for me. 

I have appealed this decision with Discover as it is not fair and it is against The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) I have never authorized these transactions and I have never requested or authorized any balance limit change and no credit check was authorized to change my limit from XXXX to XXXX. I should not be responsible for any unauthorized transactions from my Credit card.

Company response to consumer: Closed with explanation