davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Miller, Stark, Klein and Associates (IL)

Someone from Miller Stark Klein calls me several times a day, every day, at my place of employment in XXXX. 

The callers refuse to tell me why they are calling, saying only that it 's regarding " a complaint '' and that they are going to " file charges. '' The caller then insists that I confirm personal details like my birth date, address, and Social Security Number, which I refuse to do. They wo n't tell me what the " complaint '' is about or anything else about the issue. I was told that the call was being recorded and " would be used in court. '' They called back immediately ( within a few seconds ) after I hung up. The last person I spoke to gave her name as XXXX XXXX. The number on my caller ID displayed as ( XXXX ) XXXX, which is an Illinois number, but she claimed to be calling from North Carolina. When I hung up, she called back immediately ( not XXXX seconds later ) and continued to harass me ; the caller ID then displayed XXXX XXXX XXXX XXXX. 

I have told them more than once that they are calling my place of business and to stop calling me there, but they continue. I also told XXXX XXXX that if the debt is legitimate, she needs to send a letter to my address on file detailing the situation. She refused. 

These calls are being made to my place of business and need to cease. If this is indeed a legitimate debt ( and I 'm assuming it 's a debt, not some other type of " complaint '' ), this company needs to send written details to my address on file.
Consumer complaint received 2016-05-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ditech Financial LLC (OR)

Debt collector is reporting a paid debt incorrectly and they are not being responsive in correcting the error. I 'm going through the process of buying a house and this blemish is holding things up.
Consumer complaint received 2016-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NE)

My husband and I applied for the expanded REPAYE student loan repayment program in XX/XX/XXXX in hopes of reducing our payment to 10 % of our discretionary income. In XX/XX/XXXX, after hearing nothing on the plan change, I contacted the servicer and was told they had n't even processed the request. I was told it would be expedited and processed in 30 business days. In the meantime, we would owe a one-time forbearance fee of {$5.00}. 

After receiving bills for XX/XX/XXXX and XX/XX/XXXX in amounts of {$0.00}, {$10.00} and $ XXXX+ ( all for the exact same account ), I called in and was told that those were sent merely as part of the plan changing process and that we owed nothing. Two weeks later, I received both a " delinquent account '' email and a paper letter ; however, I had been told I owed nothing when I called in. 

In XX/XX/XXXX, I finally received documentation that my REPAYE request had been processed and received my first bill. I called my servicer because the amount was HIGHER than it had been on my old IBR ( XXXX % ) plan, with no large change income. They confirmed that the amount they 'd calculated was incorrect ; my husband also has federal student loans, is also on PSLF and we file jointly. They had not considered both our debts when determining our payment amount, even though we had properly submitted all the necessary papwrowrk. 

After being told we owed no money when I called my servicer XX/XX/XXXX, today my servicer also required that I go on a forbearance plan for XX/XX/XXXX $ XXXX+ payment or make the payment to keep my loan in good standing. I was also told that changing from IBR to REPAYE plans was a 4-month process, despite being previously told on several occasions that it took 30 business day at most. 

We have been in the income-based repayment programs since they debuted in 2007. My loans have been moved from servicer to servicer and annual updating has been a hassle nearly every year. I waited on the IBR/PAYE expansion to pass and become available and have now waited 7 months to take advantage of the program. It was intended to help people, but the servicer seems to have no interest in actually putting people in the program. When we call in, we can never get consistent answers ; we are n't even able to speak with the same person again deposits having employee names and servicer numbers for each calls. 

My loans have been kept current ; we have been forced to take short forbearances several times since 2007 due to delays by my servicer and miscalculations in payment amounts on the part of our servicer. Our PSLF date just keeps getting jumped further and further away while I continue to try my best to jump through the numerous hoops being sprung on us by the servicer.
Consumer complaint received 2016-10-20
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Social Finance, Inc. (TX)

SoFi advertises student loan refinance rates as low as 2.23 %, however they tried to sell me on a loan that 's over 5 %. If I do n't qualify, no one does. 
Credit score : high XXXX. XXXX missed payments on record. 
Household income : XXXX Debt ratio : 23 % ( including housing ) Debt ratio : 15 % ( excluding housing )
Consumer complaint received 2016-12-02
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: First Choice Assets LLC. (CA)

The person calling me from this number ( XXXX ) made threats to me over the phone. They asked me for my social security number, a bank account number, and birth date, and when I asked for them to mail me documentation in the mail, they refused. I feel very uncomfortable with their process and the fact that they had my personal information. I would like this to be investigated. 

This is the website for their company that they gave me : XXXX/
Consumer complaint received 2016-08-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation (NJ)

I need help getting help with my account I 'm on XXXX and I inquired to the company several times through customer service but I cant get to speak to someone higher up. My daughter and I who is the cosigner are both out of work on XXXX. My daughter had XXXX and I have XXXX and XXXX issues. The company did give me a XXXX payment extension which had my next payment due the same week I signed off on my paperwork and I tried begging them to give me atleast 30 days because I had n't started receiving my XXXX checks yet but was denied, I was told they cant give an extension on a payment that is due yet but I have a payment schedule and I have financed several cars and have never heard that before. I was told that I 'm paying interest payment for the first 2 years anyway so I do n't understand why they cant just help me out. My interest rate is 24.937 % which I have bad credit so I was desperate and had to get a vehicle from them not realizing that the rate was so high of course until afterwards. I need help I can t afford to loose my car I need transportation with everything that I have going on I 'm stressed enough and your agency was my last resort to try to get them to work something out with me
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (VA)

On XX/XX/XXXX, I submitted a change of address request to XXXXSears Master Card. I XXXX in XX/XX/XXXX, my minimum payments were {$10.00} so therefore made them {$25.00} a month while awaiting my statements to be forwarded to my new mailing address. Months went by and I had not received my statements, I tried logging into my account but the website certificates were not authorized on XXXX and the page would not load. I continued to make $ XXXX monthly payments but one arrived a day or two late which created a late fee which caused the months of XXXX through XXXX to be less than the minimum amount. However, I had no way of knowing because Citicorp had not honored my change of address request and I was not receiving statements and I could not log into their website due to certificate issues on the XXXX. I never knew that a payment was receive late because I had not received statements which are required by law to be provided to the consumer. Upon my return to the States in XXXX, I paid off remaining balance and it was not until a XXXX Credit report that I realized that CitCorp reported me four months behind on payments even though they had been receiving regularly monthly payments for more than the minimum due. 

I contacted them in XXXX, XXXX and again in XXXX via letters and a BBB complaint. I spoke to a representative that confirmed that they had received my change of address and was unsure why I had not received those statements. It was escalated to the Credit disputes department with no word until a letter was received from XXXX XXXX form their Executive Resolution Team. I appreciate the letter and response but the letter contained many inaccuracies that I have addressed. To date, Citicorp has continued to report my payments late even though they received monthly payments and they never provided me with monthly statements to my change of address as requested and received by Citicorp per their representative. I was charged extraordinary late fees for months that I was never late but failed to meet minimum payments because of a late fee which was caused by not receiving statements. Therefore & lt ; for a original balance of {$95.00} owed on XXXX Statement, I paid {$350.00} in which {$230.00} in late fees for something I was unaware of because they never sent me a statement. They claim I was on electronic statements from XX/XX/XXXX which is false because I was receiving them prior to my departure in XX/XX/XXXX.
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (AL)

BB & T offers through their new U by BBT app BB & T deals. I have activated and used many of these deals without any trouble. I just activate the deal in the app, make a purchase with my BBT checkcard, and then it shows up as a pending reward to be deposited into our checking account. The are then deposited the following month. In XXXX of this year, BBT had a deal for 10 % back on stays at XXXX XXXX when paid using your BBT checkcard. I booked a stay at the XXXX XXXX in XXXX, AL, through the link in the U deal offer. The offer also says you must be a member of XXXX XXXX, which I am. Travel was to be completed by XXXX XXXX, which it was. The purchase was paid with our BBT checkcard, and posted under the item " XXXX XXXX XXXX '' on XXXX for {$280.00}. This would mean a deal valued at {$28.00} which we should have recieved from BBT. I waited and it did not show as a pending reward, which I thought may have to do with the fact that travel is completed by XXXX XXXX. So, I waited until after this date and still no pending reward shown. Thus, I reached out to BBT. I work for a competing bank which offers a similiar program and I know that when this occurrs a customer can contact the bank and have the item researched and manually applied if applicable. In fact, based on the deals seen, I think BBT may utilize the same third party for the deals program that my employer uses. I called the customer service line and I was told I had to contact XXXX directly, because they are responsible for paying the reward. I knew immediately this was incorrect however I called XXXX and they had no idea what I was talking about. I also emailed BBT customer service several times and after a lengthy delay got a response basically telling me to call customer service. I then called the local branch in XXXX, AL, and spoke with XXXX who told me he was going to research the issue and get back to me. A few weeks passed and I heard nothing, so I called him back and he told me he did not know anything about the deals program but that he had escalated the issue and I would be getting a call from BBT corporate on the issue. I never heard back from BBT corporate. I then got another reply to a previously sent email communication to BBT which indicated I should call BBT online technical customer service, which I did. At first, the agent also did not know what to do, but eventually told me she was escalating the issue and I would hear back in 48 hours. That has been a month now and still no calls back from BBT corporate or cash rewards. Thus, I am left with no choice but to now turn to CFPB as it seems like no one at BBT knows how the deals program works or how to research a missing credit which I am due.
Consumer complaint received 2016-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (VA)

I was told loan was discharged in BK in XXXX. Now Nelnet is reporting negative to my credit report. In fact they were inaccurately reporting that i my student loans were in bankruptcy as of XXXX XXXX. They have since corrected that error, but now report that i am 90 days plus delinquent. I never received a notice due, late notice or anything from Nelnet. I spoke with Nelnet and they advised they had n't contacted me since XXXX XXXX and even then it was at wrong address eventhough my info is correct with the bankruptcy. Nelnet is inept and i should not be damaged because of their inadequacies. Their inaccurate reporting dropped my score over 70 points and cost me a job that i was offered. On the day i was supposed to start they pulled my credit and because of the score falling below minimum requirements i lost the job. I have since applied again and have been approved for a deferrment due to no income. I cant pay back a loan without a job and i cant get a job if nelnet wont correct their errors and take responsibility for their deficiencies. i.e they did not update their address, they did not properly filed the bankruptcy notice and they reporting bad info to credit report
Consumer complaint received 2016-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (TN)

XXXX and Convergent Outsourcing are negatively reporting on my credit report with XXXX and XXXX that I am late and owe {$320.00}. I filed police report # XXXX and Report # XXXX regarding identity theft with the XXXX XXXX Police Department. This is an unauthorized account. I would like XXXX to stop selling my information to debt collection companies for an unauthorized account.
Consumer complaint received 2016-10-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

I am trying to get a short sale done. The lender is not responding to our request. 
I am a sale date of XXXX XXXX 2016 and BSI Financial will not give me any status on the process. I have a willing buyer that submitted a offer over a month ago and we have not gotten any response. Who can help me?
Consumer complaint received 2016-04-22
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION (CA)

Unsolicited debt collection company called my cell phone by a private number. Did not leave number, only left a message stating that I was to be " legally '' served by original pay day lender for fraud. Then proceeded to call my sister 's cell phone number telling her that I am being sued for bounced checks from Check 'n ' Go. And that I am supposed to sign some papers by XX/XX/XXXX by a processor from XXXX XXXX in XXXX, CaXXXX There is no such company in XXXX, XXXX. Some man on the phone gives me a claim number and weird ( XXXX ) XXXX from XXXX, XXXX to call. So I am talking to someone by the name of XXXX. He proceed to tell me that I owe Check n Go XXXX plus more interest of 22 % and not the original balance of XXXX. He went on to say that if I do n't pay them that I will have my wages garnish for 1000s of dollars. And that it will appear on my public records. He then sends me an email stating that I must sign for credit card authorization to pull funds to pay down the debt of XXXX to XXXX. So, me not paying attention to my intuition. I foolishly told him my paydays and when I would be picking up my check and signs the papers back into the email. Um, I have given this third-party company my bank debt card info, they have n't withdrew any money yet from my account because there is no funds available. I have been trying to work out a payment plan with the original creditor this month so I found this pretty fishy to begin with. Anyway, I went ahead and called Check n Go and told them the problem. They told me that never sent out any legal action against me, but only sent my account to another collection agency which still had my information. They also told contact that agency who has my information.
Consumer complaint received 2016-04-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Genesis Credit Management, LLC (CA)

We moved out of apt was on month to month basis they charged us for not giving a thirty day notice.. We never received an itemized statement from the apt manager. Then started receiving very rude phone calls from collection agency and he called my place of employment being very rude to my co workers. Saying if i dont pay he was ginna attach my wages and he said he has a law suit pending against me which i have no knowledge of.
Consumer complaint received 2016-10-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (MO)

I FILED CHAPTER XXXX. THE CREDITER DID A HARD INQUIRY AFTER I GAVE THEM THE CASE NUMBER AND MY LAWYERS INFORMATION .WHICH RESULTED IN MY CREDIT SCORE DROPPING.THE DID NOT HAVE PERMISSION TO RUN MY CREDIT. THIS ACCOUNT WAS ALREADY CHARGED OFF AND THE INQUIRY SHOWS IT BEINGING ON MY CREDIT REPORT FOR TWO YEARS. MY BANKRUPCY CASE NUMBER IS XXXX AND THIS LOAN IS INCLUDED IN IT.
Consumer complaint received 2016-06-24
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Principal Group, LLC (TX)

This company is calling my ex husband leaving rude threatening voice mails claiming to be looking for my whereabouts, saying that if someone does n't respond there will be legal action and they will continue to call until someone answers. That they will continue to go through a list of contacts of known associates until I contact them. When I called the phone number a woman answered the phone, she never stated what company it was when she answered so I asked what was the name of the company she told me it was NP Group. I then asked what kind of company this was ; were they a bill collector, she was immediately defensive told me it was an investigation company. I then asked the type of investigation the company did, her reply was HIGH RISK. I asked high risk for what, she then asked for the number that was called so she could tell me what dept. so I could be routed. I told her no thanks and she stated we wont stop calling you its going to continue and then hung up on me. I have not received any calls or letters regarding any past due monies owed. This company and employee I encountered is completely unprofessional and is harassing my family. If they want to contact me they can send a certified letter.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: WELLS FARGO & COMPANY (CA)

In XXXX of 2016 I was a victim of credit card fraud. I reported the fraudulent charges to Wells Fargo Bank. Wells Fargo took a report, canceled the credit card and told me they would issue me a new card. I later received a document stating that the claims and transactions I disputed were verified by Wells Fargo to be not allowed by me and they were removed from my credit card balance. I still had not yet received a new card and was also not able to access my credit card balance online nor make a payment. Around XXXX XXXX of 2016 I contacted Wells Fargo after receiving a letter stating that I needed to make a payment towards my account balance. I was transferred to XXXX different people who were all having trouble even locating my account. I told them I was unable to see my balance nor make payment and had not yet received a new card. Finally, after some time they said the problem was that they had not issued me a new card, and once they did that account would be accessible online and I could start making payments once again. I disputed the late fees and charges due to not being able to access nor gain information my account, but we never came to an agreement on those charges. Today, XXXX XXXX, 2016 after still not receiving my new card and still not able to access my account, neither online nor via phone ( when I tried to access it via phone I would received an automated response stating " We 're sorry we can not continue with this transaction '' and then I would be disconnected. After speaking to XXXX different people I was finally informed that my account had gone into collections even though I had not yet received my card not had access to my account as was promised to me by Wells Fargo. I tried to handle this matter and yet the things that were agreed upon on Wells Fargo 's end never came to fruition.
Consumer complaint received 2016-12-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MI)

The reason I am filing a complaint against Equifax is because they have ignored my request to provide me with the documents they have on file to verify the account I disputed. Being that the 30 day period has expired without any verification of the account, It should be promptly deleted from my credit report as per the Fair Credit Reporting Act Section 611 ( 5 ) ( A ). 
Please resolve this matter as soon as possible.