BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-08
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hi CFPB, my name is XXXX XXXX XXXX ss # XXXX I have Sub and Unsub Stafford student loans ( from XXXX school ) with loan servicer PHEA and I have been unable to pay them after 10 years, now at XXXX and growing daily. My complaint is after 15 years since I attended school the interest in dollars ( {$10000.00} per year approximately ) is growing at such a rate that I simply cant keep up, and I will be beyond bankrupt shortly. Moreover, I borrowed about XXXX and with Interest on this amount the Student Loans I have are now at XXXX! Why are students being treated as a profit center at 4 % per year on a loans for education ( to help me my family and our nation ), when banks at this time in 2016 are paying 1 % on deposts? My loan is 4 times more!! This is absurd and abusive to me/our citizens for the money the government is loaning me is my own money Ive paid in taxes. My ask is that my account with PHEA be audited for how it has doubled and will soon triple and my loan be returned to the original amount I actually borrowed and that all future interest be suspended so a. I am not being used for profit by my own government and b.so I have at least a chance financially to pay them off and save something for my future in this life. 

Thank you, XXXX XXXX XXXX Concerned USA citizen and complaintant NY XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: AES/PHEAA
State: WI
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 the co-signer on the loan for my son. He is unable to take off work to submit a complaint. XXXX College in XXXX, WI is the name & location of the school. We took out this loan in XXXX and were not provided with the note disclosure statement which said that the total amount due by the end of the payment period was {$46000.00}. Had we seen that paperwork, we would n't have taken out the loan. Due to our lack of ability to make all of the payments on time, our {$12000.00} loan now has a balance of {$13000.00} as of XXXX/XXXX/XXXX. We contacted AES the servicer to determine how we could rectify this situation and were told to make {$73.00} payments. We began making {$75.00} payments XXXX XXXX of XXXX. We were unaware that the payments being made were only covering the interest. Our payments have increased to {$160.00} a month and have been consistent since XXXX of XXXX. We understand that our interest has accrued due lack of payment but since we were not made aware of the full amount we would be required to pay, we would like a concession on the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: RABOBANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made a mortgage payment to Rabobank for loan XXXX on XX/XX/2016 via postal mail but received notice from Rabobank on XX/XX/2016 ( dated XX/XX/2016 ) stating that the loan payment was past due. Upon researching the matter, Rabobank had not cashed the check ( number XXXX in the amount of {$1600.00} ). Therefore, I re-issued the check and walked payment into the nearest branch. I requested a late fee waiver and they refused the waiver saying that they had made no mistake. However, losing my check is a mistake and I should not owe a late fee for their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear CFB, I sent my second letter to TransUnion by certified mail regarding a public record ( USBK Court N.J. docket no. XXXX ) that is listed on my credit report. TransUnion sent me a letter that stated they verified that this incorrect item is mine but they did not tell how they verified it. FCRA 623 ( a ) ( 5 ) states if they can't verify this item with the Original Creditor, they must remove it from the credit file. I contacted USBK Court in NJ and they sent me a letter saying that they don't share information with credit bureaus or 3rd party organizations according to Federal and local law, BR 9037-1 ( a ) ( b ). Attached you will find my letter along with the certified mail slip and the letter from the Bk Court in NJ. I need TransUnion to remove this in accurate item from my report.

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 2016-09-20
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For approximately the last 5 years, Ocwen Mortgage Servicing has been making accounting and payment errors that have resulted in overpayments, overcharges, incorrect payments, and most recently a loss of coverage for my primary residence. I have XXXX accounts with Ocwen, and both accounts have been transposed, and misappropriated in the last 5 years. I have spent numerous hours trying to explain the errors. In XXXX case, it took two years before they admitted that they were overbilling me. Most recently, I spoke to a representative and explained that they did not make the premium payment for my primary residence policy and my coverage was cancelled as a result. The representative stated that she would correct the problem. I stated that I want to request termination of my escrow account due to the constant ineptitude and incompetence I have been experience over the last 5 years. I was given the contact information to start that process. I also stated that I should not be liable for any fees associated with the reinstatement of my account because I paid the escrow and it was Ocwen 's error and not mine. As of today, the situation has not been resolved. I fail to believe that a company that size can be so grossly incompetent, but I do believe that it has been a system of using incompetence as cover-up for manipulating funds so that Ocwen has more funds to receive interest from at the expense of it 's customers.This complaint is just another part of the struggle I am experiencing in my efforts to hold Ocwen responsible for their actions and handle the escrow payments myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: Account Outsourcing Group, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2015 at XXXX I had a miss call from XXXX XXXX XXXX XXXX. I called the number back at XXXX and discovered it was a collection agency. The collection agent did identify who she was and confirmed the number I was calling for and asked if I was a XXXX. I informed her that I did not know a XXXX. The collection agent then asked me to hold while she checked something else and asked if I was who I was and she confirmed my date of birth. I informed her that I was and she informed me that she was call to collect a debt for XXXX XXXX Bank. I informed the caller that I did not owe the debt and they were attempted to fraudulently collect a debt and not to call me again and I was going to report them to the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-27
Company: Van Ru Credit Corporation
State: TX
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 no unpaid debt. I have a mortgage that I have always been up-to-date on, and I always pay my bills on time. I have checked my credit report and have seen no red flags. My credit score is XXXX. And yet every day for the past two or three weeks I have gotten a robotic message on my answering machine from Van Ru ( sp? ) asking me to call them. I have n't called them because I know I do n't owe any money, but I want them to stop calling 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 2022-10-01
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/22 I tried to access the rewards points on my GM Rewards card online. The website would not send me the verification code I needed to do this. I tried to resolve this issue in an online chat and over the phone. Both reps promised to escalate the issue and have someone contact me. No one has contacted me. I tried again to access the points, but the website simply will not provide the verification code needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: Esser, James & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Esser, James & Associates called my fathers phone and stated that they were trying to get a hold of me. They stated that their client is giving me one last chance to speak to them before the start the litigation process. They left message also stating that if he is in contact with me to please have me call them at XXXX. I am not associated with my father except by address from XXXX years ago. It startled my father in thinking I was in trouble because of the agents tone by stating " last chance ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: Community Health Investment Company, LLC.
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My Husband had an outstanding medical bill with the XXXX of XXXX we do not share insurance. the first bill that was sent it only had my husbands name on it. The second bill that came was addressed to my Husband and I. When I asked why the collection agency ( XXXX ) Professional Account Services Inc. said that because PA is a spousal state I am responsible for this bill as well as my Husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Other

Complaint:
I requested a copy of the original signed contracts for XXXX and XXXX. Chase is refusing to comply and send me copies. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) -you are required by federal law to verify-through the physical verification of the original signed consumer contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Integrated Recovery Services
State: NE
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Repeated phone calls from a Integrated Services - A XXXX XXXX claimed to represent a payday loan company and refused to provide proof. He went on to continue to call, was harassing, called me a child and a deadbeat for not paying my debts. Threatened to file a XXXX filing against me unless I paid him over the phone. I called back to get their attorney information and ask they stop calling. I was provided the name of XXXX XXXX. hey would not provide me any information, would not validate the debt, only continued to say I was a dead beat for not paying and threatening legal action. 

I have the first voice mail included that they threaten to file a lawsuit included.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Annie-Mac promised us we could close on our home XXXX XXXX. XXXX XXXX we get an email ( not call ) saying someone screwed up numbers and they are doing their best to correct and make the closing happen. That issue was resolved, but not in time, had to reschedule everything for Friday. Get an email today ( XXXX XXXX, no call again ) XXXX, need a XXXX form from XXXX 's employer in order to hopefully close by Friday XXXX XXXX. I asked why this was addressed weeks ago? My employer is out of town and ca n't get the XXXX form out for a few days. This is one of the 1st things that needed to be done in order to get the mortgage! I do NOT trust Annie-Mac at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: EOS Holdings, Inc.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I went through XXXX school to achieve a better life through the use of my education. When I got my XXXX I used it for almost two years then I ended up with XXXX in both XXXX and had XXXX. I lost the full use of my XXXX and became impaired to do the job that I was certified to do all while going through some intense life situations, I almost lost my house, I lost my job, I now have additional medical issues that inhibit my life severely and they are not likely to be resolved in my lifetime and finally bankruptcy. Two years ago in 2014 my bankruptcy was finalized. It has been 2.5 years and the loan was recently acquired by a collection agency. Just within the last month they have consistently and aggressively contacted me to tell me that they were going to do a charge off. That this is the " Final Demand Notice ''. I am also currently responsible for a $ XXXX federal student loan that I have been making 18 years of payments on and the net of the loan has never decreased. At this point I am in a black hole and I do n't foresee light for many years if at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: AFNI INC.
State: FL
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:
I recently reviewed my XXXX Credit Report and viewed that AFNI, Inc. placed a collection record on my credit report. I tried communicated with AFNI, Inc. and was unable to resolve the matter. They are alleging that I owe {$550.00} to XXXX XXXX XXXX. I requested a validation of debt and which they are not able to provide me. I have filed XXXX complaints with CFPB with XXXX prior Debt Collection Agencies trying to obtain this amount that I do n't owe. I do n't have XXXX XXXX XXXX XXXX. The case # are XXXX Sunrise Credit Services and Case number : XXXX Receivable Performance both Debt Collection Agencies replied that they cant provide the validation of debt and immediately removed the record from my Credit Report. The reason why they cant provide the validation of debt is because I do n't have one. It is obvious that these debt collection agencies play games and pass these alleged debts to one another in attempt to collect money that is not owed. AFNI , Inc. is proof another debt collection playing in this game and using threatening and scare tactics to collect money that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells fargo never gives a current statement that makes since. Then charges me outrageous overdraft fees. Even if I do have money to cover it in my accout. Over the past year I believe I have paid over {$250.00} in unjust fees thar they use confusing word play to make it seem to be my fault.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I ordered phone and internet from XXXX years ago, they were not able to provide the service to my house in accordance with the agreement to me getting the service. It was something about the phone lines on the poles outside being too old. Since nobody was on that pole, they did n't want to put a new one in just for me, so my service was terrible, it did n't work. 
I called and they agreed to cancel it. We parted ways. I got service that cost me more from a different provider. 
Then they started calling me a week later saying that I owed them since we had a contract for when I signed up. I explained that they could n't provide the service, no sense in me paying for something I am not getting. They were threatening and intimidating me, saying that they have a signed contract with my signature and me on voice recording agreeing to their terms. I got irritated and told them to take a hike, and hung up. They would call and I would try to reason with them, explaining that I do not have any of their equipment or service. 
These tactics of verbal intimidation and agressiveness continued for a few months and then stopped. 
And then the collections agencies started calling. I simply told them to validate the debt within 30 days or take it off my credit report. None of them to this date have provided me any validation of the debt, I have yet to see one bill or anything that shows I owe what they say I owe. They have sent me a copy of my first bill, which I paid, because they gave it to me a few days after install, before the service was cancelled. 
So this " debt '' was sold or transferred around to several different debt collectors until it ended up with AFNI, who is now reporting it against me on my credit. I can see on my credit report that it shows that it is still in dispute, since XXXX 2014 when I last talked to them. They need to take it off of my credit report. This is unacceptable. They have had plenty of days to provide validation of the debt. It is unfair to continue to pursue bad debt. These are bullying techniques. I do n't see how this is allowed. If a company sells off bad debt and then the buyer finds out, they ca n't hold that against the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: AMERICAN PACIFIC MORTGAGE
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We feel that due to the lack of integrity of our loan officers and their team we were forced to pay {$1800.00} in extra costs associated with securing our mortgage from Pacific American Mortgage DBA XXXX Home Loans. We were told that they were familiar with HUD FHA XXXX Streamlined Loans. When in fact they were not. They were not honest with us on more than XXXX occasion. Due to this dishonesty our closing was extended twice which forced us to change plans twice, i.e. extend our obligations. Specifically, we were forced to find an alternate location for belongings to include our XXXX XXXX pull trailer and XXXX XXXX XXXX ( rented storage at XXXX ), pay rent for one and a half extra months at XXXX XXXX at XXXX Apartments with all utilities and insurance, also due to being forced to reside in this location personal belongings were vandalized ( XXXX XXXX XXXX, window broken and work tools stolen, actually totaling {$500.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-22
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is an account reporting on my credit file with Midland Funding and I requested the credit bureaus to investigate this. The results from the bureaus indicated it was mine. However I had a representative contact Midland using a power of attorney and they told her that they could not locate any information with my social, date birth, address etc., I then submit a letter directly to Midland asking for validation of the debt since they could not locate me by the above. The letter I received was nothing more than statement from their company stating I owe it. The even more frustrating part is how are they able to locate my information now when they could n't before? All that information was given to them initially to locate the information and the did n't. How do I even know if they did n't input the information when I had the representative call? There was nothing sent to me with my signature, payment history from previous company etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: BB&T CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
BB & T bank is being unfair about how they are subtracting their transactions. The way they do it XXXX transaction can cause multiple insufficient fund fees. Their online account is very vague and when you call into the office no one knows really what is going on. I finally got ahold of a representative that knew what was going on. If there is XXXX in the account,,, there are XXXX pending transactions each for XXXX they subtract that from the XXXX first. So then there is only XXXX to pull transactions from. If there are XXXX transactions for XXXX there will be XXXX XXXX insufficient fund fees. Then there will be XXXX posted to your account. Then the next day, when the XXXX XXXX transactions go through there, will be XXXX more XXXX insufficient fees subtracted from your account. So that would be XXXX more dollars subtracted from your account. Half of the tellers can not even explain to you why this is happening,,, they do not get back with you after you call and they say they will find out and call back. I have had a huge mess happen to my account because of this and could not get my account straightened up because of it. There is no documentation sent to you telling you exactly what bounced and it is utterly confusing and wrong. I do know that XXXX has been sued for this practice. I feel taken advantage of by BBT and they are wrongly charging fees. Most people can not come up with the money to cover the fees when they are tacked on so they are gon na end up with more fees in most cases.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation