BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-27
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a pending payment due on the XXXX of XXXX for a loan used to pay XXXX University at XXXX XXXX, FL. I am experiencing financial hardship and as a result, I will not be able to make the payment at their specified amount. I decided to be proactive by calling Sallie Mae before my account becomes delinquent. When speaking with the Sallie Mae representatives, all they offered was forbearance as an option. I explained that I had already taken that option for XXXX months, which increased the loan amount as well as my monthly payment terribly, and that I was now ready to pay a monthly amount that is more fitting to my financial needs. End result : after speaking with many customer service representatives and supervisors such as XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX I was told that no sort of help or temporary repayment plan would be offered until I became delinquent on my account. Their solution was for me to not pay on my loan, and they even went as far as to encourage me to go into default. I have the representative ID numbers of several employees which made the statements described above. I am surprised as to how this company is allowed to be in business in the United States of America, and disgusted as to how they target students for these loans. I am ready and willing to make some sort of payment of my account, I just can not afford the amount demanded by Sallie Mae and it 's representatives at this time. The customer service team there appears to have a goal of pushing their clients into default. It 's an unfair business practice which is not even seen in the majority of credit card companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: Riverwalk Financial Corporation
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Debt collector called XXXX XXXX XXXX, XXXX Phone : XXXX XXXX XXXX XXXX , XXXX , TX XXXX Saying i owe {$8000.00} for an auto loan. They can not provide the company or account no from the original loan. I do not have anything on my credit report regarding this loan nor have they been able to give any specific information about what type of car or anything. If they can provide me with further specific information then i could verify if i owe or not. They said the company that had the loan was bought by another company. I dont want to pay something if its not mine. Please help! I did try to use the little info they gave me to see if i could find out anything but to no avail.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-02
Company: SLM CORPORATION
State: MI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Messages by an automated machine have been left 3 times today already. This is despite a previous call where I specified that I would call back in a few days to resolve the issue. 

Messages were left at XXXX, XXXX XXXX. It should be noted that more calls are possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Massachusetts Educational Financing Authority
State: MA
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 am a co-borrower on a private MEFA ( Massachusetts Educational Financing Authority ) loan. The primary borrower, my parent, defaulted on this loan and while I understand I am fully responsible for paying back the loan, I was NEVER warned that this loan was going into default. I never received notice, by phone or by mail, about this default status nor was I given the opportunity to make payments or take responsibility. My credit has now been absolutely destroyed by this. I pay all of my other bills, loans, and other debt in a timely manner and on time - this can be proven by the other items on my credit report. This loan alone has now been allowed to completely ruin my financial future. I went for years without even knowing about this defaulted loan, and I only found out about it when I tried to apply for a mortgage and it came up on my credit report. I had absolutely no previous knowledge of the status. I called the collection agency that my loan has been assigned to, and I tried to work with them but I can not afford to pay the total, especially given the cumulative interest that this has accrued. The primary borrower is making payments as well, so I am afraid of tarnishing their payment agreement. I have no good solution to this problem and do not see any way to otherwise help my credit. This will likely haunt me forever. I 've called multiple times and MEFA is unwilling to work with me at all. I have spoken to various representatives who have promised to see what they can do and none of them have ever called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: Massachusetts Educational Financing Authority
State: NY
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:
Since XX/XX/XXXX monthly loan payments are not being correctly applied to the proper loan accounts. Service company has been contacted numerous times by both phone and mail without success. Incorrect credit reporting has resulted in denial of credit several times. 

A complaint was filed in XX/XX/XXXX ( XXXX ) and subsequent payments have been mailed to the special handling address provided by the service company. 

However, no change has resulted from using the special handling address, and the mis-application of payments and incorrect credit reporting has continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: Cardinal Accounts, Inc.
State: IN
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 have a a unverified account fromI CARDINAL ACCOUNTS INC. I had previously disputed this account. I have never done business with CARDINAL ACCOUNTS INC. Pursuant to the Fair DebtXXXX Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CARDINAL ACCOUNTS INC. Cease and Desist all further communications and collection actives and provide the verification of the purported 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 2016-08-31
Company: CMRE Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a notice from CMRE Financial Services regarding a medical account on XXXX XXXX XXXX. The notice claims that XXXX XXXX attempted to collect an unpaid balance and has since forwarded the account for collections. This is absolutely false. I made payments arrangements with Phx Childrens and have made monthly payments as I agreed to. The collection agency now is demanding payment in full with interest plus additional charges. This is absolutely unacceptable. I have done what I agreed to with Phx Childrens and this account should NEVER have been to collections. PLUS, the amount stated owed is not accurate. I do not owe that amount. That claim is also false!

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 2015-05-04
Company: Account Control Technology, Inc.
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
A company called " account control technologies '' ( XXXX ) XXXX keeps calling me about a student loan in collections for a borrower with whom I have no relationship. This is a loan for which I did not sign anything. The borrower listed me as a reference ( without my permission or without notifying me ), and the company " Account Control Technologies '' is calling me using phone numbers that I provided to the loan company XXXX XXXX for ANOTHER, UNRELATED account. Its not right for them to call me over and over again about a loan that I have absolutely no legal relationship to and when I asked them to stop calling me a few weeks ago, they called again today ( twice ) on all of my phone numbers. Today, I asked to speak to a manager, and he told me that not only will they continue to call me but they " legally '' can refuse to provide me a copy of the loan documentation where my name appears. This is harassment. I have no relationship to this loan and I never consented to be any sort of " reference. '' The company whose loan they are collecting on ( XXXX XXXX ) did not obtain any signatures from me about being a " reference ''. If it was included on a form by the borrower, IT WAS DONE WITHOUT MY KNOWLEDGE AND WITHOUT MY CONSENT. This should be illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-16
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
XXXX took {$6000.00} from my bank account last week. The first withdrawal was under my consent. The additional XXXX withdrawals were not. 
I have had some issues with this company in the past, but over the years they have accommodated my need for an adjusted payment so I was n't overly dissatisfied ... until now. 
Part of my adjusted payment plan meant I was required to sign up for XXXX XXXX which is an electronic direct withdrawal from my bank account monthly for the AGREED upon amount. When I have extra cash from a tax return or bonus I will add this to the payment. 
About a week ago I decided after getting a hefty bonus payment that I was going to make a large lump sum payment to one of my loans. 
I set the payment online, hit submit ONCE, and got ONE confirmation number. Fast forward to yesterday and XXXX has fraudulently withdrawn an additional {$6000.00} dollars from my bank account. The amount of catastrophe this has caused is unmeasurable. 
In all, XXXX made XXXX {$6000.00} withdrawals in two days from my account, a total of {$18000.00} dollars of which only XXXX installment was returned leaving me - {$12000.00} and unable to pay my bills on time. 
I spoke with XXXX at XXXX yesterday who informed me the 'refund ' process takes 30 days and my best bet is to speak with my bank. 
XXXX took money from my bank account without my permission. Having my bank information for PREVIOUSLY AGREED UPON monthly charges does not permit you to take large sums of money from my bank account. 
I will be calling the company again on Monday and requesting a more timely resolution to this issue, if not I will be seeking legal counsel and seeking damages for the other accounts that I can not payoff while this issue is being resolved. 
My bank account is now negative thousands of dollars and I can not pay my rent, buy groceries and will be late on and charged fees for a number of other loan and utility accounts. Furthermore, I am being additionally charged for everyday it is negative. Which will be until the payment is refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Riverwalk Financial Corporation
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/2016 around XXXX EST I received a call from a XXXX XXXX at Deville Asset Management LTD in regards to my past due XXXX Account. I answered the call from work because we have been playing phone tag to request a call back in a hour when I punched out. XXXX XXXX than proceeded to tell me I never answer the phone, I attempted to explain to him I got in a car accident the beginning of XXXX. I was on my parents insurance and they do not wish to file a claim through insurance so my medical expenses are out of pocket. XXXX XXXX proceeded to call me a thief and began to get really hostile. I explained to him I am a single mother trying to pay off several balances, than he called me a liar!! I requested to speak to his supervisor who stated he was The Director of Collections. He told me he knows his colleague and there is no way he talked to me in that manner. He stated he would pull the call but I am not sure if that ever happened ; I explained to him I would be filing a complaint because there are ways to collect debt. I worked for XXXX XXXX XXXX for almost 5 years collecting on credit cards, single mothers, elderly, and individuals experiencing financial hardship should not be treated as criminals!! He said that was good for me!! A hour later I got a call from a supervisor and I advised her I would rather involve a third party and she got frustrated and disconnected the call. 

There are still MANY PEOPLE TRYING to rebuild there lives from the past recession and the DAILY financial war we battle DAILY!!! 

I communicated with XXXX XXXX in XXXX advising I would rather do a settlement option because I can not commit to an extensive payment program working as an independent contractor. I have student loan debt, liens, credit cards and much more. I am doing the best I can with an income under {$20000.00} per year!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: Performant Financial Corporation
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I received a call from Performant Recovery on my work phone yesterday XXXX. When I answered the lady identified herself and said she was calling to collect a debt from when I attended school at XXXX. Currently I am in a program with XXXX relief to handle my private school loans. I told her do n't ever call this number again because it 's my work phone. She got angry and said well I ca n't reach you at your other phone. I said I do n't care do n't call this number ever again. She said I 'll just call the other person and hung up on me. She then called my mom 's work phone and harassed her. This made my mother angry as well. Very unprofessional and very ILLEGAL!

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 2016-08-04
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
Our discharged mortgage was sold by XXXX XXXX to an unknown investor XX/XX/XXXX with Fay Servicing LLC out of XXXX, IL being the new servicer. We were promised by Fay Servicing that they would help us stay in our home and that they would grant us a legitimate mortgage on the current market value of our property. This has not happened, to date. We filled out financial papers and then by XX/XX/XXXX the representative called us saying we were approved for a modification of the old discharged underwater mortgage. We were confused. The representative then told us that the deal is we would pay three monthly good faith payments at {$2600.00}, then after that the payments would be monthly {$2400.00}. Then they said after a year we could get a real mortgage at the current market value of our home. So we agreed and I had asked for this in writing which we were told would come in the mail which it did on XXXX XXXX XXXX. Problem is, the contract was NOT what the representative told us. On these papers, it said we had to come up with on XXXX XXXX XXXX {$7800.00}!!! There is no way that we could come up with this much cash in three weeks time! Especially after all the financial hardship we have endured thanks to the collapse and slow down of the economy after XX/XX/XXXX. We showed these papers to our attorney, and he said there was a discrepancy and that it is not clear so he told us to send in a payment of {$2400.00} which is what we could manage. They cashed this check then we get a phone call several days later. Then we received a threatening phone call that if we did not come up with the money by XXXX XXXX, they would proceed with foreclosure!! We do n't want this we want to stay in our home! We have been mislead and deceived by Fay Servicing since the beginning of the year. We require that they stick to their word originally and stop jerking us around! This is fraud, unprofessional and demeaning to us as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Suntrust Mortgage continues to charge me $ 20/month for a property inspection when the account is less than 45 days late. It has been disputed to no avail. This is on top of the late fees. I am also receiving mail from XXXX XXXX XXXX XXXX ( XXXX ) claiming that they have been hired by Suntrust to " Advise '' me of this debt. I have contacted Suntrust, by phone, and Suntrust claims that they have not hired XXXX. I have sent a drop-dead letter by certified mail to XXXX. They have continued to send me mail and XXXX actually showed up at my house on Saturday, XXXX/XXXX/15 requesting my driver 's license to verify information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I think that Suntrust opened and closed accounts in my name that I was unaware of, then charged me overdraft fees for those accounts. I think this took place in the XXXX - XXXX time period.

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 2015-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My accounts for XXXX XXXX XXXX Bank shows a balance for {$620.00}. The account was settled and closed. The balance should show XXXX. a XXXX & XXXX, the original creditor : XXXX XXXX XXXX has a balance of {$290.00}. We have paid the balance off and should have a XXXX balance on the report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Credit Karma, LLC
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is name listed as XXXX XXXX XXXX listed on my credit report. This middle initial is incorrect. 

My name is XXXX XXXX XXXX. 

Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have Federal Student Loans currently being handled by FedLoan Servicing. I have Federal and Private Student Loans with American Education Services. All of these loans, along with other Private Loans, have funded my undergraduate and graduate degrees. FedLoan and AES are both connected by the " Pennsylvania Higher Education Assistance Agency ''. I applied for the Student Loan XXXX. Some of my federal loans were taken over, from XXXX XXXX to FedLoan Servicing. Without my knowledge, FedLoan recalculated my loan term and my monthly payment nearly doubled. I had several unfruitful conversations with FedLoan. When the XXXX program became available in XXXX XXXX, I submitted XXXX applications : XXXX to XXXX and XXXX to AES. Since XXXX XXXX, I have been paying on the loans to XXXX companies that do not meet criteria for XXXX, and I have been threatened and harassed by XXXX companies for the rest while hearing no news of the status of my repayment plan applications ( which at this point have occurred repeatedly ). In fact, an amount near {$400.00} was debited from our bank ( by AES ) due to not processing requests to cancel Direct Debit payments. I have canceled my Direct Debits with XXXX companies at this point. There is currently an Administrative Forbearance on my FedLoan accounts, which I did not approve. Per statements, my loans continue to accrue interest that I am responsible for while FedLoan attempts to resolve this issue. Most recent documentation includes a request to call this company once again. The documentation I received before that was a letter stating that my XXXX application was denied " ... due to the following reasons : '' and the rest of the page was blank. I have requested that ALL of my Federal Student Loans be handled together, in writing, on the applications where this option is indicated. I do not know what to do anymore.

Company response to consumer: Closed with explanation