BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-14
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am submitting a complaint against the National Collegiate Student Loan. This debt was included in my Chapter XXXX bankruptcy but I am still being contacted by several different debt collection agencies regarding this student loan. I originally got the loan through XXXX XXXX XXXX in 2004. I never missed a payment on the loan until it went to bankruptcy. I was sent to XXXX different collection agencies. Once I send them my bankruptcy information they leave me alone for while and then after some times goes by another agency starts contacting me. I tried to work out something through the company I was paying ( AES ) the National Collegiate Student Loan but they would n't work anything out ( This was done before the bankruptcy ). The loan never went down since I was paying on it and I ca n't afford to pay this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I opened an account with XXXX Bank ( they are not even in Business anymore, they were sold to XXXX Bank years ago ) in the mid XX/XX/XXXX. I defaulted on that credit card in XX/XX/XXXX and the debt was sold to XXXX. I know this because of the statement I have now received from Convergent to collect this debt. They list XXXX as the creditor. I have not had any transactions on this account since XX/XX/XXXX. In Texas, you can not collect on a credit card after 4 years. I do not want Convergent adding themselves to my credit report 15 years after this debt was defaulted on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a forbearance from XX/XX/XXXX- XX/XX/XXXX. These accounts are reporting 90 days late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Convergent Resources, Inc.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am filing another complaint against XXXX XXXX XXXX XXXX XXXX for the third time. My first and original complaint was on XXXX XXXX, XXXX and the case number is XXXX. My account had been submitted to XXXX XXXX and my complaint resulted with them ceasing all collection efforts. My second complaint filed was on XXXX XXXX, XXXX and the case number is XXXX, This time it was placed with XXXX XXXX XXXX XXXX. I became aware of them when a summons was placed against me and my mother. My complaint against them, through CFPB, resulted in a notice of discontinuance. 

In this third complaint, my account has/had been placed with Convergent. XXXX XXXX wants to settle XXXX percent of my total balance due. However, have they taken into consideration of the harassment, I have undergone for almost 10 years? They are asking me to settle for {$17.00}, XXXX! Never mind all the harassment I 've received as early as XXXX! Never mind that my first complaint resulted with XXXX XXXX ceasing all collections efforts! Never mind that my second complaint resulted with a notice of discontinuance on behalf of XXXX XXXX XXXX! In addition to having received this letter, I have been getting phone calls from ( XXXX ) XXXX. Most of the calls are sent to my voice mail and the person never leaves any messages. So. I am back to being harassed once again! 

Yesterday, I received a letter from XXXX of a " Notice of Acceleration. '' I do n't know if this is in reference to my account with XXXX XXXX XXXX or not. I do not recognize the account number from XXXX which is : XXXX while the XXXX XXXX XXXX account is : XXXX. These companies continues to switch things around and currently this account has been placed in default! I am sick and tired of this! What about my rights? What makes them think that I am obligated to make a settlement when they have been harassing me off and on for such a long time? If anything, I should be the one compensated for especially now since they have placed this loan in default!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: AES/PHEAA
State: LA
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 consolidated my private loans from XXXX to XXXX. Upon XXXX disbursing a check and a letter for any amount in excess of the outstanding loan balance to the loan holder, XXXX gave a refund in excess of the full loan amount. For the exact amount of the refund checks sent to me, the loan holder, they serviced the loans to a XXXX loan-servicing company. This was done unbeknownst to me. I received refund checks from XXXX along with a new loan notice from a company I did not consolidate with, AES. In brief, XXXX deceptively disbursed the loan in full to XXXX, gave me a " refund '' that was the exact amount as the amount sent to a third party service provider in order to collect monthly interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have XXXX issues. The first is I have student loans that were discharged through a ch XXXX bankruptcy that are reporting negatively on my credit reports even though they were discharged. The 2nd issue is I am being told that I have a consolidation loan. I NEVER took out this loan and it has been sold to a 3rd party. The servicer will not help and it has been sold numerous times. I have been garnished in the past. When I ask for proof of the debt they send me a copy of a promissory note that does not have my signature and has my minor child listed as a reference. I did not authorize or apply for this loan. Nor did I benefit from the proceeds of the loan. This is impacting me in a devastating manner. I can not obtain any credit and I am unable to obtain things such as housing and employment due to the negative impact of it. I have asked for hearings and followed the chain of command but they keep canceling the the hearings then selling it to another collections agency. The loans have ballooned over time along with collections costs. At the time I was not even enrolled in school or had a need for consolidation because I was not in enough debt. I am unemployed and without any liquid assets or property. I also have a minor dependent. 
The servicers are AES/PHEAA, XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: MIB Group, Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I requested a report from MIB after I was turned down for insurance by XXXX XXXX XXXX. XXXX After a reconsideration request by me XXXX approved a higher cost " rated '' insurance plan. 
The XXXX code symbol translation in the MIB report states that I am currently under treatment for XXXX XXXX I am not currently being treated, nor have I ever been treated for XXXX XXXX. I have a steady and healthy XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX/XXXX/XXXX, I encountered a rough forced sale in XXXX. I reported to the credit card service and revoked authorization on the same transaction day. I was assured by the card service personnel that he would take care of it. 

As soon as I got back to the U.S. and received a package without returning address, I reported to the card service. 
On XXXX/XXXX/XXXX, the charge was credited back to my account. 

On XXXX/XXXX/XXXX, I asked the car company to help return the shipped package without returning address and valid phone number. 

On XXXX/XXXX/XXXX, Barclaycard Bank card service confirmed that the fraud investigation has been completed and I am not responsible for the reported fraudulent activity. 

On XXXX/XXXX/XXXX, I received the late arrived letter dated XXXX XXXX, XXXX. That letter briefly stated the card company remained unable to pursue credit on my behalf. No other investigation document was attached. I called to reopen the investigation. 

On XXXX/XXXX/XXXX, I was asked to either send in my own investigation documents in 2 hours, or pay {$230.00} on the phone to get extension to send in my investigation. It took the card company 10.5 months to complete an investigation without any document. 

On XXXX/XXXX/XXXX, I sent XXXX XXXX XXXX XXXX a request to re-open the investigation with documents of my own investigation. My investigation on the shipped product shows the listing price of the shipped product is US {$830.00} vs. charged amount of US {$11000.00}. The over charge of the immediately reported forced sale is US {$11000.00}, even if it is real product. 
And the content of the product ( XXXX ) is what my doctor asked me to avoid. 

Since the card company stated my further request might not be answered ( dated XXXX/XXXX/XXXX ), and asked me to pay {$230.00} on the phone to get a chance to submit my own investigation for review when I requested a documented investigation, I decide to ask CFPB for help to get credit back for the reported revoked fraudulent charge with interests/penalties. 

I also want to warn other consumers the following : Consumer can cancel a check, a bank can return a check without sufficient fund ; but a credit card company can charge back a revoked fraudulent charge that exceeds available credit limit and was reported 10.5 months ago. And consumer will be required to pay a high fee to get a chance to submit his own investigation on a fraudulent charge reported 11.5 months ago.

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 2015-06-18
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to obtain a mortgage from a financial institution for over 3 months. In this time frame, they have requested irrelevant and personal information, neither of which pertained to my loan. I have gone above and beyond providing whatever they asked for to the best of my abilities until I had finally had enough and told them they were invading my privacy. I have an almost XXXX credit score and no debt on my credit report. I have been dragged along and promised on XXXX specific occasions that I was 100 % approved only to be followed by " and now we need this, BUT you 're still 100 % approved ''. I fear I am going to lose the home I am trying to purchase due to their outrageous demands for irrelevant information and being dragged along for over 3 months. If I choose to go with another lender, I will be out over {$18000.00} due to rates rising as well as the money I have put into all the appraisals and inspections I have already put into the home. Approximately a week and a half ago I was surprised with a call from the lender demanding I produce a document that the sellers claim does n't exist. It is a " XXXX road maintenance agreement '' and I was being forced to draw up a petition and have all my neighbors sign it and the purchase of this home I 'd like to buy is contingensign people I do n't know and that do n't know me signing this agreement. I do n't feel this is fair to place the fate of this home on my soon to be neighbors who have already supposedly not agreed to sign the made up form. I 'd like to report SunTrust for false representation and fraud and if they do not approve me after all this time and I 'll be out so much more money, I 'd like to some how getthat back as well to put towards my new loan. Time is of the essence on my loan given that my closing date is XXXX XXXX. Thank you for all your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Concord Resolution Inc (Closed)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I HAVE RECEIVED PHONE CALLS AT MY PLACE OF EMPLOYMENT AND THE NUMBER HAS LEFT GENERATED VOICEMAIL MESSAGES STATING THEY HAVE ATTEMPTED TO REACH ME XXXX TIMES..IF I WOULD LIKE TO RESOLVE THIS ISSUE PLEASE CALL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Making/receiving payments, sending money

Complaint:
I am a beneficiary on my father 's account and CD 's who passed away and owns XXXX CD 's. The bank has cashed in the CD 's and has contacted me on many mistakes they made on distributions. The bank has requested the original distributed money be returned so they can recalculate the correct distribution. I requested the bank provide a full reporting of the total amount of each CD and they have refused. I do n't trust the bank and will not return any monies until I have an understanding of the full amount of each CD. 
Please advise on my rights.

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 2017-01-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
ChapXXXX Bankruptcy discharged all debts. Bankruptcy was filed XX/XX/2016. Equifax refuses to change my open collections to CLOSED. I have disputed the information 4-5 times online and via fax 2 times. Equifax continues to report accts as open collections They have updated the language on the accounts to include " bankrupty- undesignated chapter '' in the remarks section and they have changed the balance to zero, However Equifax refuses to correctly report the accts as CLOSED. 
The accts ARE closed and EQUIFAX should be reported as such. Reporting it any other way is falsifying information. An open collection acct has a negative impact on my score. There are XXXX accounts that EUIFAX is reporting as open : 1 ) XXXX XXXX/ Original Creditor : XXXX XXXX XXXX XXXX 2 ) XXXX XXXX/Original Creditor : XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX./Orginal Creditor : XXXX. 
It should be noted that I am making a cross complaint against the above listed creditors as they have repeatedly reported the information incorrectly to the CRA 's they also have been asked to update and report the accts as closed. If the creditors and the credit reporting agency continue to falsely report the accounts as open, I will follow up with lawsuits. The debts were discharged in bankruptcy. The accounts are closed and should be reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card
Issue: Billing statement

Complaint:
I have a XXXX through Barclay and I noticed that my my monthly interest rate is being charged against my account balance on my card. I have never had a late payment and even made advanced payments. I noticed that I was almost at my credit limit and had n't used the card. When I called about it the woman told me that my bill drops on the XXXX of the month and if I do n't pay it by the XXXX of the month, there is an interest fee charged against my balance. That amount would be charged even if I paid my bill early. I have to wait until my bill actually drops and pay it before the XXXX of the month even though it is n't due for 30 days after the bill is dropped. It looks to me like I was being charged double interest if I did n't pay by the XXXX of each month and my interest was being charged interest. It just did n't set right with me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On or about XXXX 2016, I noticed that a Common Wealth Financial company appeared on my credit files, XXXX entries appear as ( Acct # XXXX ; Acct # XXXX, in the amount ( s ) {$910.00} ; {$750.00}. I requested that Common Wealth Financial validate the debt and send me a copy of the application that was used to open this account. They never replied back to the debt validation letter. Now, Common Wealth Financial is coming after me. I have continued to request that there validation and they continue to allow this to report on my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collection Bureau Inc. Is reporting a collection account that does not belong to me on my XXXX Credit report. Shows on report for Collection Bureau INC. & XXXX This Collection Account is Damaging my credit. 

I sent Collection Bureau INC. a letter ( attached : original letter ) asking them to verify the debt within 5 days. ( Certified mail tracking # XXXX ). They have not Verified the debt Which they are required by law ( FCRA ) to verify a debt in which a consumer asks to verify.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-05
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have owned my home for nearly 25 years and am facing a foreclosure sale due to a non responsive lender, Fay Servicing. I have tried repeatedly the last couple of years to resolve my mortgage delinquency with Fay, but my requests for help have been ignored, reviews have not been opened, they have sent people out to shake me down -- one time they actually had a company come and break into my home and shut off the power and disconnect the utilities!! They have done everything except what they are supposed to do, which is WORK WITH ME! I make a good living, I am a self employed entrepreneur and never had any issues making my payments until I had major problems due to XXXX. I was in and out of the hospital and literally missed a full year of work. On top of that the medical bills were devastating and I fell behind on all of my payments. 

I wanted to save my home and since I had a XXXX loan I believed that my lender would work with me. I began the process of review for a modification but before the review could be completed my loan was transferred to another company. I began the process again and submitted the necessary documentation for review and was starting to get traction when once again my loan was transferred to another company ( Fay Servicing ). This was beyond frustrating as the delinquent amount continued to grow. Fay Servicing told me they would not work with me and that I needed to pay the full past due amount to them or I was going into foreclosure. I am not in a position to reinstate the loan, but I do make a good living and I have been told there are multiple programs available for struggling homeowners through XXXX program, yet Fay Servicing has never ONCE reviewed me for any of these programs or given me the opportunity to be considered for help. Fay Servicing was also the recipient of {$70.00} XXXX dollars in bailout funds and I thought they were required to consider me for the government modification programs. I have tried multiple times to resolve this matter and work towards a solution, but feel that I have been obstructed at every turn. I am asking for the actual opportunity to be reviewed for all programs so that I can save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Over 2 months ago USAA put a security freeze on my account. I have called in a total of 5 times concerning this, and the last 2 times, they have said the issue was resolved. I still can not login to USAA.com " for security reasons ''. I just want my accounts unlocked at this point so I can move them out of USAA and to a better, more responsible bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I sent XXXX dollars to the wrong account at XXXX XXXX. I called USAA my bank account and they said the money was already gone and there was nothing they could do and that I would have to call XXXX XXXX. XXXX XXXX, of course, would n't speak to me because I am not a customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Diversified Consultants, Inc.
State: NC
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 have been called every day around XXXX about a cellular phone debt that I do not have. I never did any business with the phone company in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Collection Bureau Services, Inc.
State: MT
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:
This debt is over 9 years old and was from overdrafted checks at a business that is no longer collecting on this debt. The credit bureau is collecting on it for themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I took out a loan from XXXX XXXX XXXX with a loan company from CPS located in CA. 
I was late on my payment so the rep was setting up payment arrangements and they repoed the car. I have been trying to reach someone to get my belongings out the car but no reponse to where my car is.

Company response to consumer: Closed with explanation