BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-31
Company: Receivables Management Partners, LLC
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 not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This matter has been going on for more than a year. I will call Experian request that a dispute be removed from my account an agent will remove the item but it reappears on my account. I contacted the collection company that Experian indicated that keeps reporting the item being disputed which the company is XXXX XXXX. I called XXXX inform them that I was not disputing anything regarding their company. I explained to the representative for XXXX XXXX that although the item that they are reporting was not mine and I responded to the letter that was sent several years ago that it was not my account. I would not be disputing the item. The item was removed by Experian but it reappeared. I contacted Experian requested that the dispute verbage be removed and it was removed but then reappear. This issue has been going on for over two years. I called in XXXX 2016 spoke with a representative again and was told that I will receive a letter stating that the dispute will be removed and the XXXX representative said that a request would be sent to the all credit reporting agencies to remove the dispute. I receive received that letter from XXXX XXXX as the representative stated. I received update credit reports from the credit reporting agencies but Experian refuses to update my credit report. I sent Experian a copy of the letter that XXXX XXXX sent to me and Experian still refuses to update my credit report. I called Experian told to several different agents and XXXX supervisors and all told me that they could not update my report even with the documentation form XXXX XXXX indicating that the item was not being disputed. I was informed that Experian did not have to report accurate information regarding the consumer credit file, and they would not be removing the XXXX XXXX dispute from my credit file even knowing that the item was not being disputed. I referenced the letter that I had from XXXX XXXX but the agents ( XXXX of them ) and XXXX-supervisors all said that they did not have to remove the dispute even having supporting documentation on file stating that the item was not being disputed. I was told several times that Experian did n't have to report that consumer information correctly.

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 2017-04-06
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter saying I had approx. {$900.00} overage in our escrow account. When I called AmeriHome, they said we were in the red with our escrow. At the end of the year each year, we are approx. {$1000.00} overage in our escrow but do n't get a refund. They asked if I wanted a refund or use that money to apply to next year 's escrow. I asked for a refund but now I 'm being told we are short the same exact we were supposedly over.

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 2022-02-28
Company: Experian Information Solutions Inc.
State: NJ
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:
I noticed a few accounts on my credit report I do not recognize

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 2017-04-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX/XX/XX/XXXX I went into pre-foreclosure with Wells Fargo Home Mortgage. At that time the balance on my home was approximately {$140000.00}. I requested a loan modification from Wells Fargo which was approved however, they started the term over on my loan and the new balance was more than the original amount owed on my home. I had requested a breakdown of all fees associated with the modification and never received anything. I want this investigated because it seems that the modification was more in favor of the bank and Wells Fargo has been know to have some questionable practices. I am currently still in my home but owe more than it is worth at this point due to the modification.

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 2020-02-02
Company: Nelnet, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My student loans are currently with NelNet, and currently in deferment until XX/XX/XXXX. It wasn't until I recently pulled my credit report that I discovered over the last few years they have reported me late to the CRA. I contacted NelNet and inquired about the late payment reporting since I was in deferment. They requested documentation that I had in fact requested the deferment. I supplied the request for XXXX, XXXX and XXXX. 

The external customer service department [ XXXX ] informed me that they would not adjust XXXX because it was to late. She also indicated XXXX would require management approval. In regards to XXXX, she called me on XX/XX/XXXX, and told me the request was denied. The reasoning was my email requesting the deferment did not specifically say " YES '', and therefore would not be adjusted. 

I think this is unfair and inaccurately reported and has significantly impacted my credit score to the point I was unable to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Credit Collections U.S.A., L.L.C.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collection account {$57.00} Collection account {$41.00} Collection Account {$460.00} Collection account {$90.00} Repeatedly calling every day for collection of debt harassing me. Collections disputed for lack of information. Incorrect information causing a negative effect on credit reports. 

Department of XXXX student loan accounts ( 2 ) have been settled closed and transferred to a different company. Reporting agencies will not remove from account even though the original date opened has been ten years. 

Ive tried to fix as many errors as possible and keep accounts in good standing as much as possible. I am currently XXXX from having a XXXX XXXX removed, and have become very frustrated with the tactics that have been used against 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 2018-05-29
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit reports and I noticed a debt from a collection agency I C SYSTEM INC for XXXX for {$550.00} that was placed into collection on XX/XX/15. This debt does not belong to me and I was never notified by the collection agency of this debt so I could dispute it. I never signed a contract with I C SYSTEM INC OR XXXX.

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 2015-07-16
Company: RJM ACQUISITION LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Trying to collect debt from 2006 on an expired bank account in another city. This account originally had been closed by ME, and the bank failed to issue me the last remaining few cents in the account. An automatic payment came through the bank ( that I had cancelled but still tried to come through ), and they PUT IT THROUGH, though the account was closed! It was a small amount, maybe {$25.00}. 
After that, this XXXX Bank started charging enormous interest on the bounced fee ( 6 % daily compounded if I recall! ) and amount that went through. It kept going until it reached the sum of : {$250.00}, when they notified me that the account had not been closed properly and they were still charging daily interest. What took so long? No wonder they went out of business. N one trusted them! I have never known a bank in my life that added such large interest to a bounced check, especially considering the account had been closed out!! It was clearly a money making racket! I had absolutely no way of paying this fee back at the time, and felt it was perverse based on the way it was compiled. I tried to explain to the bank, but they were unreasonable and would not listen. They could only see $ $ signs. I suppose after you do this to enough people, you could be looking at quite a bit of money! 
I see no reason for letters to be sent to me now, after 9 years, and phone calls to be made, from a place called XXXX XXXX XXXX XXXX XXXX XXXX, listing RJM as the creditor, with the original account at Compass, threatening me for legal action and the ruining of my credit based on a fraudulent amount of money that I owe. I do not have my bank records that far back, as they were left in my parent 's garage and after my father passed, everything had to be taken out to sell the house. It SHOULD be on this bank to prove the burden of debt. I was told by the agent that they can not do that because the original creditor has the records, and they bought the bank. Really? If they bought the bank, then they should have the records! They are charging over {$200.00} of interest, at the least. NO mention of compounded daily interest was mentioned for bounced checks when I signed up to that bank initially, none!! 
I was told by this debt collector that called that debts can be collected up to 15 and 20 years if it is valid. That is NOT what I have read. I have read that after 7 years that are dropped. And even if this is incorrect, it is illegal for a collection agency to buy an old debt to try to collect for themselves, and to lie and say they bought the bank ( it went out of business ). This agent argued with me over this. Sorry, I know my rights!

Company response to consumer: Untimely response
Consumer complaint received 2021-12-17
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This agency keeps calling us after numerous attempts to ask them to stop calling. We've given them each of the phone numbers routed to our phone lines. We receive at least 25 calls each day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I received my XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. For years I 'd proactively call to set up arrangements which I could afford. Rather than lowering my payments they kepto offering forbearance. Just recently they started offering the income based however now my loans have more than doubled and I now owe {$190000.00} in student loans. They recently recalculated my paymentsong at {$1900.00} a month and when I complained they lowered it to {$900.00}. I 'm XXXX yes old and there 's no way I can pay these off before I die. If they had given the lowers payments when I first asked many years ago, I could have them paid off and not accrued so much interest. In previous years they would never lower payments.I feel like this is predatory lending. With being a single parent with such high payments I felt like I had no choice but to put them in forbearance. Please help. XXXX XXXX. Navient customer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Received a prepaid debit card from a company called NETSPEND that I never asked for. A letter along with it telling me to activate immediately. This is a legitimate debit card that I solicited. Their customer service admitted they send these out as a way to solicit business

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 2017-03-28
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been trying to get information from Navient on paying a small amount while my loan is deferred. They wo n't allow me to make payments on the principal and will only put payments towards the interest, which in the long run does n't do any good. They also wo n't lower the payment to something I can afford. According to them, I can afford $ XXXX / month on my student loans. And this would make it impossible to pay my mortgage, put gas in my car, or feed my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have written x3 ( as of now ) Regarding this issue with Chase bank again and the {$5500.00} that I paid in cash electronically to Chase VISA # XXXX. Chase Bank reversed my {$5500.00} electronic payment made, stop payment!! Chase Bank, should they decide to just steal this {$5500.00} from me ( as it appears now ), this will force me into bankruptcy and Chase Visa will get nothing, as well as the rest of my well deserving creditor ( s )!!!! 
I heard Chase Bank was dishonest, immoral, & horrible!! I had NO IDEA just HOW BAD they really ARE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Cascade Capital, LLC
State: DC
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:
I previously filed a notice of direct dispute with several collection agencies ( namely XXXX XXXX doing business as " XXXX '' & " XXXX XXXX '' and Cascade Capital ), under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information reported to my credit file in XXXX for entries made to my credit report at XXXX and XXXX for an amount of {$4400.00} with an original creditor of XXXX. Both entries were subsequently deleted as the collection agencies were not able to verify/validate that the debt belonged to me as they found the information to be inaccurate or incomplete, or could not verify the accuracy or completeness of the disputed information. As required under FCRA 623 ( 1 ) ( E ). 

However, I received an alert from my credit monitoring subscription that a collection account was added to my XXXX credit report on XXXX XXXX, XXXX. This entry is from XXXX XXXX XXXX XXXX XXXX, has an account number of # XXXX, is for the amount of {$4400.00} ( identical to the amount for the previously disputed and deleted accounts ), but lists the original creditor as Cascade Capital. Cascade Capital is XXXX of the collection agencies, as I noted above, with whom I have previously filed a direct dispute for this exact account and for which they are not the original creditor. I have never had an account with Cascade Capital. It is my belief that they are re-reporting this inaccurate account in an attempt to fraudulently collect in violation of FDCPA 15 USC 1692e ( 8 ) by communicating credit information which is known or which should be known to be false, and 15 USC 1692f by using unfair or unconscionable means to collect or attempt to collect any debt -- by re-reporting the account with a different original creditor and placement date to result in a greater negative impact to my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VT
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:
My XXXX XXXX bought my private loan servicing contract from my lender XXXX Bank, XXXX. I never agreed to this, but do not have an option. I have been in XXXX school for the last XXXX years, and at the start of each semester am harassed for a payment despite automatically being entered in the XXXX XXXX XXXX. An auto-dialer calls both me and my co-signer at least XXXX a day, states " this is XXXX XXXX '' and hangs up. This is not the complete message, and when I call to request a stop to the calls I am told they can only provide temporary relief. I am also told I may not speak to a manager, and I may not have the phone number for XXXX Bank. XXXX Bank charges late fees, which I have no recourse to dispute since XXXX XXXX will not remove them, and will not give me contact information for XXXX Bank. The automated phone calls are harassment and the late charges and inability to escalate a claim are unconscionable contract terms.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XXXX XXXX {$230.00} was revived from XXXX  sale funds held fro shipping confirmation tracking shows as customer received XX/XX/XXXX it is now XX/XX/XXXX & Paypal is still holding {$220.00} I constantly call get a run around ask for a supervisor put on hold for hours to then be hung up on and start the never ending cycle all over again

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: NY
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2015-07-29
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
A debt collector sent text messages to everyone in my family including in-laws, stating that they were an " investigator '' along with a case number. The following was the actual text message : '' XXXX XXXX last name removed for privacy ], please call Investigator XXXX XXXX regarding case # XXXX number removed for privacy ] at XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Ashton & Weinberg, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Last week I received a phone call from my payroll department at my job stating they had received a call from Ashton and Weinberg asking questions about me and trying to verify whether or not I still work at my job. I work XXXX XXXX XXXX home in XXXX, PA. They were given a name and number but I had told them to just throw it out that I had the information already. I received a phone call this morning XXXX XXXX 2016 at XXXX from an unknown number. The person stated his name was XXXX and he was calling in regards to a debt consumer credit card with XXXX that is now in collections. He told me that they were in the process of reviewing my account and that if I was unable to set up some kind of payment plan today. That he was going to refer to the debt collection company to proceed with doing a wage garnish on me. I said to him I did n't know you could garnish someone 's wages for a debt collection without going to court first. He said to me yes we certainly can. So I asked him how much were these wage garnishes going to be. He said that the number varies depending on different things. He stated that it will go by how much I make and it will go by my gross pay not net. So then I started to explain my current situation and told him how I do n't have the money right now to even set up a payment plan that my bank account is in the negative. So then he proceeded to start talking about my other debts stating that would also be put into consideration so the wages garnished wo n't be too high. Then I asked him how much do I owe & it was {$1300.00} and some change. I told him I could set up some kind of plan once I got my income tax. He said I would need to do something today for them not to garnish my wages. I then said well let me talk to my mom and dad and see if I can borrow money to pay this off and then just pay them back at income tax time. So I asked him how much would I need if I were to do a full pay off today and he told me {$900.00}. 

He was from Ashton & Weinberg Inc. XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX Telephone : ( XXXX ) XXXX http : //www.awcollect.com/ I have since learned that wage garnishment is illegal in Pennsylvania.

Company response to consumer: Closed with explanation