BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-30
Company: Ad Astra Recovery Services Inc
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX 2015 I received calls every XXXX minutes starting at XXXX relating to a debit for an employee. I asked them not to call anymore on a previous call, however these calls had no announce just a hang up. I called back to tell them again to stop calling this number and they told me they could only give me their mumbled name of AdAstra. After this request I started receiving calls every XXXX minutes. I called in again and XXXX stated they had several accounts with them and they could not get our number completely removed. Each time I called in and gave the number they only pulled XXXX employees so I know exactly what she was referring with this statement. She then said it was going to be XXXX hour before it was removed and that every time I called in it generated a call. I reminded her that I had asked not to be called over 15 days ago and again on Friday because of their dialer practices interfering with my business and I felt I was harassed. She blew that off and said well do n't call in. I want to point in I only called after the calls became excessive and again when I received a call after asking not to be called again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: SLM CORPORATION
State: DC
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:
I XXXX of 2015, I called Sallie Mae to get an issue with a form squared away. My employer, the XXXX XXXX, offers a loan repayment program and Sallie Mae had not filled out a form that I sent them in XX/XX/XXXX. It had been 5 months. Because that issue was addressed, I paid form XXXX of my loans to be deferred until my form went through. The Sallie Mae employer told me the date that repayment would begin, XXXX XXXX, and played by the consent recording, where the date was played again, XXXX XXXX. I agreed and paid the {$50.00}. 
On XXXX XXXX, while trying to refinance my loans, I was told that my loan was in delinquency status because a payment was due in XXXX. I pushed the Sallie Mae employee on why this was changed without notifying me and that I and my XX/XX/XXXX account manager set up a XXXX XXXX deferment pay date. She flippantly apologized for the mix-up, but stated that she could n't do anything to fix it. She said that she would notify her superiors. That employee 's name is XXXX XXXX. 
On XXXX XXXX, I called Sallie Mae again, and the employee I spoke to actually reviewed my account and noticed that there was a mistake, and said that it would be fixed. It has not been fixed. And my loan refinance provider requires a statement from Sallie Mae where my loan is not in delinquency status. And if Sallie Mae had not made their error, I would not be in delinquency status because I would be in deferment. But because they made their error and refused to fix it, I now have to pay for XXXX payments to get out of delinquency just to refinance my loan ( rather than pay for none ). And my fear is that Sallie Mae will continue to drag this process out until it is past my agreed upon ( XXXX XXXX ) deferment date, and then say, " Well, it 's moot now, '' and force me to pay before I can refinance my loans. 
This is the quintessential definition of fraud, a deliberate deception and unwillingness to rectify an error in a timely manner until it is too late. I was played the recording which stated XXXX XXXX. I was told XXXX XXXX. I agreed to XXXX XXXX. And then suddenly, without notice or warning, my deferment date was changed to XX/XX/XXXX. Which is why I am trying to refinance my Sallie Mae loans to leave their awful service. But I am being forced to pay the {$850.00} as ransom because THEY made an error and refuse to fix it within the agreed upon deferment period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Reporting incorrect and or inaccurate data 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 2021-02-14
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: IL
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:
Late payments in XXXX and XX/XX/2020 contacted the three bureaus to remove payments

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 2015-12-03
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am behind, but working toward catching up. I have XXXX payment in dispute. XXXX XXXX I received a check in the amount of a full mortgage payment. Dietech sent a letter dated XXXX XXXX, 2015 and check dated XXXX XXXX, 2015, stating the check was a refund of my XXXX 2015 mortgage payment ( which they cashed on XXXX XXXX, 2015 ) due to not begin enough to reinstate. I looked on a monthly statement and it said as of XXXX XXXX, 2015, I was 135 days delinquent. That is not true. Dietech removed a payment from my account- sent out a check- and then listed my account over 120 days due. I still ca n't believe that they would be so brash to out-rightly due that? I have no intention of cashing the check they sent me, it 's not mine. I made my payment, and made another that they are still holding. I do n't like to my insinuations but why would they do this other than to force my account into 120 days delinquency so they can start foreclosure? Why did they remove a payment from my account, when it was received back in XXXX, and it was as I send all of my payments with mailing proof of receipt. I am extremely stressed over this situation and certainly think action should be taken. How many more people have they done this to? It 's not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Account Control Technology, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Actually this is regarding their refusing to discuss the XXXX XXXX XXXX XXXX option with me for my debt. I am currently unemployed and wanted to discuss the option. They said I was required to provide them with my husbands income and payroll statements before they would discuss rehabilitation of MY debt. This is not my husbands debt, but mine, and therefore he is not liable for it. His income or lack thereof has no bearing on our conversations, only my income is pertinent. In addition, they wanted other family members information, specifically asking for my inlaws phone and address with regards to my debt. 
Account Control Technology is what the collections agency for my student loans identified themselves as. Their phone XXXX. The rep name : XXXX ( would n't give last name ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: SLM CORPORATION
State: NJ
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:
So the problem is that the Sallie Mae / XXXX customer service people call me XXXX times a day before my payment is even due. My due date is XX/XX/XXXX and just today XXXX/XXXX/2015, I received XXXX calls with the last one being the infamous XXXX XXXX message. I ca n't understand why they are harassing me when I 'm current? I have spoken to several supervisors including XXXX XXXX and XXXX but neither were helpful not to mention they were the worst customer service people I have ever dealt with. I thought easy lending with aggressive collection practices were a thing of the past? Sallie Mae XXXX XXXX is in serious need of reform.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Element Global Services
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continued Contact after verbal confirmation of wrong number. Misrepresentation of action taken to " close the account. Rude and unprofessional conduct during phone call in the effort to collect a debt. Failure to provide verbal notice of attempt to collect a debt during both inbound and outbound communication.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: Four Directions Lending LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
A form was faxed to a doctor office in the same building I work stating I owe for a loan I never applied for. The the has everything wrong except my name and job. A email listed job phone number and fax. My bank account was compromise a few ago when my purse was stolen so I closed the account and had to replace all my belongings that was in there. I did the company I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get my escrow refund since XXXX. Im owed {$2000.00} that is overpayment for county taxes. I have called about 8 times since XX/XX/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 2017-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XX/XX/XXXX I requested copies of my XXXX credit reports thru the annualcreditreport portal. I noticed that my Transunion report had a XXXX XXXX XXXX credit card account listed under " adverse accounts '' because of a late payment XX/XX/XXXX. I knew that I had never had a late payment on that account, so i submitted an online dispute with Transunion notifying them of the error. A few weeks later I recieved notice from Transunion stating that the information had been verified by XXXX XXXX XXXX and would remain as adverse on my credit report. Becaus I knew that i had never had a late payment, I called XXXX XXXX XXXX and spoke to a rep in their credit department. The XXXX XXXX XXXX XXXX confirmed that I had never had a late payment. I asked if they could send me a letter stating that the account was never late, and they did. After I received the letter from XXXX XXXX XXXX, I initiated another dispute with Transunion. This time I mailed the dispute, along with a copy of the letter from XXXX XXXX XXXX that said my account was never late. XX/XX/XXXX, I received a letter from Transunion with the Investigation Results from the latest dispute. They had removed the XXXX XXXX XXXX account from Adverse Accounts, removed the late payment, and listed the account under Satisfactory Accounts. I was satisfied with this and assumed the matter was finished. But recently when I requested a copy of my Transunion report, I noticed that the same XXXX XXXX XXXX adverse / late payment information had been reinserted into my file. I called Transunion dispute today, and they said they had no record of the information ever being removed. I would like for Transunion to remove the negative information from my report agian and to please not reinsert it. Also, if they do reinsert negative information that has been previously disputed / removed, i think Transunion should notify me in writing of the reinsertion. Otherwise my credit history is being damaged without my knowledge. Thanks for your help with this matter!

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 2015-04-22
Company: Capital Accounts, LLC
State: TX
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:
There is an amount from a rental agreement that was terminated. The property management company sent a certified letter imposing claims on my security deposit. I sent within 15 days, a certified letter disputed the claim. This was in XXXX of XXXX. I have not heard anything from my former property management company. I received a call approximately in XXXX XXXX from Capital Accounts stating the have a debt from my former property management company. I asked for an itemized account of what was owed. They sent me a letter on XXXX/XXXX/XXXX with the lease agreement, and a ledger. On the ledger, there was an amount for repairs. I called Capital Accounts and asked again, for an itemized record of the amount that I am disputing. To this date, they have not submitted to me validation of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
APPLIED WITH CARECREDIT / SYNCHRONY BANK. WAS DENIED AFTER DRIVER LICENSE WAS SCANNED AND CREDIT FILE PULLED, TOLD I COULD NOT BE IDENTIFIED. THEN I APPLIED WHILE IN XXXX  DOCTOR OFFICE FOR XXXX  XXXX, LADY IN DR OFFICE WAS TOLD OVER TELEPHONE I WAS DENIED. OFFICE CREDIT PERSON WAS OFF THE PHONE, I ASKED WHY CREDIT CARE SAID I WAS DENIED, I ASKED WAS IT MY CREDIT. SHE RESPONDED THAT IT WAS NOT MY CREDIT. CARE CREDIT SENT TWO ADVERSE ACTION NOTICE ONE STATED THEY COULD NOT IDENTIFFY ME, THIS WAS AFTER THEY PULLED MY CREDIT FILE. THE NEXT ONE STATED THAT I WAS DENIED BECAUSE I REAPPLIED TOO SOON. IT MUST BE NOTED THAT I SENT CERTIFED COMPALINT TO THE CEO OF SYCHRONY BANK DUE TO THE DENIAL AND THE PRETEXTUAL REASON FOR DENIAL IN BETWEEN THE ADVERSE ACTION NOTICES. I HAVE NOT HEARD BACK FROM THE BANK. I HAVE OPEN ACCOUUNTS WITH SYCHRONY BANK SO FOR CARECREDIT/SYNCHRONY BANK TO STATE THAT THEY CAN NOT IDENTIFY ME IS A PROBLEM AN I FEEL IT IS DUE TO MY AGE AND RACE. OVER XXXX AND 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 explanation
Consumer complaint received 2017-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit card company,  USAA canceled their contract with Mastercard and began a new contract with Visa  sometime around   XXXX   XXXX   XXXX    . As a result, they canceled my  USAA Mastercard and sent me a new USAA Visa credit card. My Mastercard had been enrolled in autopay for many years. When USAA sent me a new Visa card, none of the services associated with the old card transferred to the new card and there was no   correspondence from them to warn me of this. So I assumed that I was still enrolled in autopay. In   XXXX   XXXX   XXXX     I noticed a late fee on my bill, not something that I was accustomed to seeing with the autopay, so I contacted them. They told me that I was delinquent and that they had reported me to a credit agency. I thought this was inappropriate, so I began the dispute process with USAA on   XXXX   XXXX   XXXX    . My dispute was denied.  I still ca n't believe I was treated this way by USAA, who is usually very good to it 's customers. To this day, my credit score is affected negatively by their failure to communicate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: STERLING JEWELERS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i keep getting phone calls from a debt collector for kay jewelers, today they have called 10 times today and when i do n't answer they keep calling from different numbers. they then call private and if i answer they hang up and i instantly get a call with the number showing. it is beyond harassment when i ca n't focus in class because my phone keeps buzzing every 10 minutes. i also make payments when i can, i explained to them that I am currently not employed but whenever i get money i put something down so i do n't understand the harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
XXXX21charged interest of {$11.00} after I had paid off XXXX statement balance {$1400.00} by XX/XX/XXXX. 
First paid XX/XX/XXXX {$100.00} Next XX/XX/XXXX {$1100.00} Next XX/XX/XXXX {$230.00} Total paid {$1400.00} just as separate payments. Bill not due until XX/XX/XXXX. 
Other charges hit for next billing cycle after which should be on this next bill. Why am I charged interest when I paid XXXX balance in full.? 
I called and they are insistent about me not paying XXXX bill in full. I did. They still charged me. They bring up billing date and cycle date are different. 
If so, this is misleading the consumer and creates conflict and bad for business. 
How are they allowed to say on billing you pay bill in full you wont be charged interest but they did in fact bill me interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-31
Company: LOBEL FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
On XXXX XXXX, 2016 my car got repoed by lobel financial. When they came and got the car the repo man had no paperwork in hand. We had money in hand to pay for anything we owed. I was at work at the time but my husband told him he had money to pay and the repo man told my husband im sorry I have no paperwork and no information on how much you owe. So of course off went the car. I called lobel the next morning to resolve this and that was the WORST experience in my life. They are rude, inconsiderate human beings. I explained to them very nicely that it was mix up and on my bank account. I told them I apologize. I told them I called right when it happened and at that time that person was very understanding and I told them I would pay it on the first. He said no problem I will mark your account. Will ... ... .guess what???? Nope! They would not listen, told me in order for me to get my car back I would have to pay my loan in full. I asked to talk to management no! I called the corporate number they sent me back to the other number. I asked to talk to management they put me on hold for XXXX minutes then call got dropped. I called to talk to the lebal department got put on hold again for a very long time then of course call got dropped again. They will not let you talk to management. Yes! I understand this is a new loan, but I explained to them the situation I went through and they did n't even care. I explained all of this would of been avoided if they would of sent the repoe company some kind of information on how much I owec cuz I would of paid the man.i even offered to pay what was owed in the rear and the very rude lady refused it stating in order to get the car back I have to pay it in full. I asked to talk to the manager that made that decision and she told me no. I asked to be transfered to corporate and with a XXXX voice and XXXX this is corporate. They will not let you talk to anyone. I feel I have been mistreated and unfairly by them and the car .ot. ( which I am opening a case with the lemon law against lobel and the car lot. ) When I got the loan the car lot and lobel REFUSED to add my husband 's income or my SSA income because oh its government money. I even tried to let lobel know when all this happened and they told me I have to pay my loan in full to get my car back because I am a risk I told them again I have more income to report. Once again they did n't want to hear it. What? Are they prejudice against people on government money? Or they just dont want to do extra paperwork. I have financed a car through them in the past.i did n't have no problems with them and paid my loan off. Which they told me thanks for coming back to lobel, we r here to help you. WHICH IS A STRAIGHT UP, IE LIE LIE. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received statement of charge in the amount of {$69.00}. This is not a debt I incurred. I called them 4 different times and they ha. Be ignored my request to take take my name off this debt. Could you help me resolve this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, INC.
State: GA
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:
All of XXXX XXXX EQUIFAX Collection Company XXXX XXXX Amount {$1600.00} Equifax deleted the information from XXXX XXXX after 120 day investigation only to place the information back on my report in XX/XX/XXXX and XX/XX/XXXX which it still remains. It only seems to disappear after I contact the CFPB and file a complaint. I have ask for proof of verification several times in XXXX but never received it. 
Equifax is the only company that this problem still consist with and I turned in a police report that the company says they can not locate anymore.

Company response to consumer: Closed with explanation