BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-27
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
ACS Education Services represents that its re-certification process for the IBR plan is 7-10 days. My application was received by ACS on XXXX XXXX, 2016. Notably, on XXXX XXXX, 2016, an ACS representative stated that my application should be processed before my increased payment ( non-IBR ) is due on XXXX XXXX, 2016. Based on her advice and representations, I agreed not to submit a forbearance request at that time. But, my application still has not been processed as of XXXX XXXX, 2016. ACS 's inability to complete a timely review of the IBR certification may result in a delinquency and negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
As of Tuesday, XX/XX/2017, EXPERIAN is still knowingly and illegally reporting a debt of {$0.00} to XXXX for XXXX 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. XXXX balance and past due amount is reflected as XXXX on report. This record contains multiple inaccuracies purposely known and reported by XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$0.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.

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 2015-04-23
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
i bought a motor vehicle from drive time in Florida, paid my loan for XXXX years paid my car off in XX/XX/XXXX, i did pay high interest for this motor vehicle, but that was OK because i saw that it would help my credit, which it did, in XX/XX/XXXX they removed the loan that i paid off of my credit reports XXXX of my reports that is, i asked them why they said they were updating there info and it would be back on my reports in XXXX days, i called them today XX/XX/XXXX and advised them that its not on there and i was being asked to pay higher interest from other banks because i had no qualifying accounts on my credit ... they said they can not and will not correct my reports and there was nothing they could do,,, so i feel like i wasted XXXX years of my life paying more money for something to build my credit and do n't have any resolve ... please help me i feel like i have been robed by a XXXX dollar company that does not care ... i should not have to be turned away ore pay more because of there short comings .... they took the interest on my car but did not want to deliver on what was promised when i bought the car ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: ACS Education Services
State: MI
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 wife and I did borrow to help pay for our XXXX sons ' college tuition. The collection of some of those loans have passed from XXXX to XXXX or XXXX servicing companies. One batch is now services by ACS ( a XXXX company ). We have paid {$210.00} monthly for several years. But I noticed on the last statement there is no cumulative accounting of what we have paid in principal and interest. I did notice that they say the outstanding principal balance is {$10000.00}. That seems very high. Particularly when I know we have nearly paid off in full another group of loans administered through XXXX XXXX XXXX XXXX. 
The account number on the ACS loan is XXXX. 
I would welcome your suggestions as to how I should proceed. I am reluctant to go to ACS 's customer service folks until I do some research on their track record. 
Also, I noticed this story from XX/XX/XXXX. 
XXXX You can reach me at XXXXXXXXXXXX or XXXXXXXXXXXX Thank you, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, MI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: ACS Education Services
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 have just completed my degree, but I have received no statement telling me who owns my different loans. I have been receiving random letters from various loan servicing agencies such as XXXX and ACS, but they all have different dates at which payment is due and different terms for repayment. I submitted a request for an Income Based Repayment plan on XXXX. Using their IRS disclosure system, it was very quick and simple to complete, but it was only valid for my Dept of Ed and XXXX loans. ACS apparently wo n't allow customers to apply online. Instead you must download, complete, and mail a XXXX page form buried deep in their website. It 's a pain to complete and most certainly is designed to keep students from pursuing this option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was never given written or oral notification of this debt by the collector. I sent them a letter explaining that and have yet to hear back. I also entered a debt mgmt program with XXXX and will start making payments beginning XXXX/XXXX/16. I requested they remove the collection status from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Midwest Recovery Systems
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midwest Recovery showed up as a collection account on my credit reports collecting for a company by the name of XXXX. Midwest reported this to the credit bureaus without validating the debt with me or giving me a chance to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: ACS Education Services
State: PA
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 submitted a complaint [ Case number : XXXX ] about the fact that I have been enrolled in school for two years and the ACS refuses to acknowledge that, or provide an option so that I can prove I am enrolled. ( Every other lender is able to access the national database, and does not have this problem ). ACS responded by saying I had to contact them. So, I tried calling, and was on hold for over 30 minutes, and I emailed the website simply asking for an email or phone number or fax number where I could send the certificate from the national clearing house that I am enrolled. I called and sent the email on XXXX XXXX, with the only response an auto reply that I would get a response in 48 hours, but I did get a payment taken out of my account again today. ACS is the absolute worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt from progressive insurance was placed for collection after I cancel and switched to another company. the account was removed off of my credit in 2014 from Credit collection services, llc the debt was recently paid to credit collection services in full. looking at my credit report credit control services has it on my credit so XXXX collections agencies was collecting on the same debt. I want this acct to be removed immediately.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My father has deposited {$1000.00} to my SunTrust account to pay for my XXXX XXXX mortgage loan. As you can see with the evidence of check image print, deposit of {$1000.00} was made. However as you can see only {$200.00} was deposited on my account. 
As a result of this horrible incident, {$800.00} went missing and my mortgage payment has been past due. With evidences attached, I have been charged with multiple late charges and fees from XXXX 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 monetary relief
Consumer complaint received 2015-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had a judgement against me with Capital One about 8 years ago. The judgment has been satisfied for several years now. The account was suppose to be removed once the account was closed. The account is over seven years old and should be removed from my credit report. I spoke with the courthouse to remove the account and provided full payment info, which they already had on file. I was told the Capital One has to remove the file. After speaking to Capital One over the past several years I seem to get nowhere. Capital One tells me that I have to have the courthouse remove it. I seem to get the runaround and no one knows who I should speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX billed me for earned premium for coverage provided so I paid them directly but this credit collection company has continued to bill me and harass me for money that I have already paid. They have sent me multiple bills and even offered me a settlement. I called them to ask them about the balance and told them that I believed this was a scam they immediately hung up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX had a glitch in their system that violated the rights of their consumers under section 6.11. I was affected from the glitch and my score suffered as a result. I was n't given a notice which is also a violation and I 'm requesting that ALL inquiries listed below be removed. 
Capital One Bank ( XX/XX/2015 ) Capital One Bank ( XX/XX/2015 )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back on 2013, XXXX XXXX XXXX issued a XXXX for {$13000.00} which we completely reported to IRS and paid the tax on this amount. XXXX XXXX XXXX reported this amount to the credit bureau as negative and di not want to close this issue. As the result of their negeligence and misrepresnation, we were not able to secure many loans. We have sent many letters and communications to this company and as of today, they refused to provide us with anything in writing that this account is closed and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i am a victim of ID THEFT and an account from XXXX appeared on my credit almost two years ago, however it was removed. 

my complaint is that almost two years later while i am in the process of purchasing a home, Portfolio Recovery Associates have placed the fraudulent entry on my credit. Not once was ever ever contacted by them by way of phone or mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am having a problem with Portfolio Recovery Associates. They are reporting an account with a balance of {$1300.00} where the original creditor was XXXX XXXX to XXXX and XXXX. I have written them multiple times requesting evidence that bears my signature that shows I have a contractual obligation to pay Portfolio Recovery Associates. I have not received any evidence that I have requested and they are still reporting this account to the Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-15
Company: PORTFOLIO RECOVERY ASSOCIATES 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 not received any information regarding a credit card through XXXX and I have never had a credit card through this company. Collection company has never given me any documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear CFPB, I have lived in the XXXX XXXX area for the last 30 years and strive to be a good citizen. I vote, pay my taxes, and am an active member in the community. I really enjoy where I live, but am in a situation where I may lose my house to foreclosure. I have been trying to work with my mortgage servicer, Wells Fargo, but they are failing to communicate properly and are not providing me an opportunity to pursue retention options. They have never given me a single point of contact who would return any of my calls, and now I have a foreclosure sale scheduled for XXXX XXXX. 

My discussions with them have stalled and I am hoping you can contact them and open a line of communication that leads to a constructive conversation regarding my mortgage and the pending foreclosure sale. 

I have worked for many years in XXXX. I never had any problems or issues financially until I had a horrific traumatizing experience : my XXXX year old son passed away. This experience was devastating, setting me back emotionally, physically and financially. You know that saying when it rains it pours? My child support ended, my XXXX husband could not endure the crisis and left me and filed for divorce, and then I struggled to find a job while still grieving. As a result, I could not keep up with my mortgage and fell behind on my loan payments. I reached out to Wells Fargo to negotiate a repayment plan or a loan modification, but I could not get anywhere. I was so frustrated!!! I tried to make a partial payment, but they sent the payments back and told me I had to pay all the arrears in full!! I gave up trying to deal with them until I got somewhat established financially. I inquired again in 2014, but was told over the phone the same thing again ( that I had to pay the arrears in full ). I decided to try anyway and applied for a modification and got denied a couple of months ago. However, I was never given any alternative options to save my home or appeal the decision. 

I have to continually try to explain my position to the representatives who answer the phone, but I ca n't seem to get any answers from them. They flat out have been lying to me throughout this process, telling me that they want to help and that falling further behind actually makes a better case for modification, and then denying me any help saying that I 'm too far behind. They have essentially slammed the door on communicating with me. I just need someone at Wells Fargo to speak with me and give me reasonable options to save my home. This is an avoidable foreclosure and I believe I qualify for help if Wells Fargo would come to the table and have a constructive conversation. I would like to see if you could contact them on my behalf and get them to speak to me in an attempt to save my home from foreclosure and give me a proper review for retention options. I would be grateful for your effort

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: 1st Franklin Financial Corporation
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Today 1st Franklin came to my place of employment. I was not at my desk but received XXXX voice mail messages from securty advising that someone from the company was in the lobby to give me a financial debt claim. I am very embarrassed. I entered into a reduced payment amount and I am experiencing financial hardship. 
I am not disputing the debt. But would like to settle for 50 %.

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 2015-12-21
Company: TRANSWORLD SYSTEMS INC
State: KY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I started getting medical bills from XXXX Florida medical center. Which i have never been to any sort of medical center in florida. So i called the number on the bill and tried to explain it has to be a mistake. They did not offer to help at all said that it was me and i need to pay the bill. So I contacted the Hospital directly and explained it could n't have been me i was working at my job in Indiana. So they were helpful and told me i needed to prove it some how to clear things up. So i had sent a Picture of my I.D as well as a signature to the hospital. I received a phone call stating that there was a mix up at the hospital someone with the same name and birthday as me was there but they lived in Florida. I stopped getting bills from the hospital. But as of today i received a bill from Transworld Systems for a XXXX medical bill. I will provide any documents needed to get this resolved for good! Just do not want my credit impacted over bills that are not mine. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Delinquent account

Complaint:
At age XXXX as a college student without income, I received an unsolicited Chase credit card with a high credit limit of {$11000.00}, well above my only other piece of credit of {$1300.00}. I ran up the balance to the max and was ultimately unable to pay. Chase charged the account off in XX/XX/XXXX, said they will no longer pursue collection of the debt, and filed a XXXX with the IRS. I paid the income tax associated with the XXXX in XX/XX/XXXX. XX/XX/XXXX, l left my job for a better one only to be told I could n't be hired based on my credit report reflecting an amount owed of {$13000.00} to Chase. I reached out to Chase to have the amount owed changed to reflect {$0.00} and they told me I would have to payoff the debt. I am now unemployed and in a catch-22. To make matters worse, I do not qualify for State unemployment since I left my old job voluntarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
in XXXX my identity was used to obtain several credit cards. I contacted the companies at that time and explained everything. it was resolved. earlier this year i received a notice from Portfolio recovery solutions requesting to settle the debt for half of the amount owed. I ignored the letter but received another one just recently. I sent a letter to the company stating that it was XXXX years old and identity theft. I told them never to contact me again. I received a letter yesterday asking for copies of the police report and verification that this debt is not mine. even after i told them not to contact me they are still harassing me.The letter states that the debt was purchased XXXX/XXXX/XXXX from arrow financial. the balance is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
A copy of the letter sent to Lexus Financial is below : Lexus Financial Services XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Account # XXXX XXXX To Whom It May Concern : I received telephone call from a gentlemen in regard to monthly payment. I reiterated to the gentlemen that the payments are being made via automated bill payment and that the XXXX/XXXX/2016 statement shows that the monthly payment due is {$480.00}. I know that my previous payments were {$680.00} and this is what we have paid in the past and the reduction of payment to {$480.00} is a welcome change. Please see attached statement received from your office. The gentleman argued and denied that there is such a statement sent, insinuating that I am lying, and that I offered to send it via email so that he can see what I am talking about but he refused to acknowledge and stated that you do not have an email for such purpose. I continue to get your nasty calls. 

I find it incredulous for such a large company like you not to have an email for correspondence purposes even for just escalated issues. I offered that I am going to mail a copy for proof. 

This predicament is of concern that a statement is sent out and your representative denies such existence. I therefore demand that you provide me a copy of my lease payment history and all the billing record you have in regard to this account. I also demand the explanation of such amount due fluctuations, and why your statement does not reflect your representatives collection view. 

I am submitting a copy of this correspondence and request to the CFPB and request that you give this matter your immediate attention.

Company response to consumer: Closed with explanation