davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (NY)

AFNI COLLECTION AGENCY they send me bill home withe incorrect info, they r claming i owe XXXX monney, i contact them to provide prove to me withe incoming and outgoing calls they r made from thet XXXX number they refuse to do so, i contact XXXX i ask them same question they toll me we dont have any account, i call back afni ask them agian for prove to send me home they only thing is they threating me with law suit and pay as the monney and do not send any affidavit to any goverment agencys they tell me i dont have right to do thet only think and right i have acording to this colection agency is pay monney thet i dont owe any XXXX to them or att, please help me to resolve this issue withe this AFNI collection agency and att ask them to provide prove to you withe any phone calls thet wose made from the phone they r claimg i opend in 2012 i never have any service withe XXXX
Consumer complaint received 2017-01-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/XXXX I was charged XXXX by XXXX. I had canceled my membership well before the renewal period in XX/XX/XXXX. I went into Regions Bank on XX/XX/XXXX to dispute this transaction and provided them with the cancelation number as I had not received a refund back from XXXX. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled after the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized XXXX to charge my card and I revoked my authorization for them to renew my membership. I have tried to resolve this with XXXX and Regions and have not been able to. This charge is straight up fraud by XXXX.
Consumer complaint received 2016-10-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (LA)

I received the complaint the response from the Regions Bank with complaint # XXXX whereas the bank did not answer the question about them charging overdraft the same day the overdraft occurred. Because of this situation, I have no alternative but to find another bank. I do n't want to be associated with Regions bank whereas they think only about themselves and not their custom. I am in the processing of changing bank because I was originally with XXXX was a better bank. Regions did not address my concerns. I want the company that oversees banks to see if Regions was violating the laws by putting through the overdraft the same day that the check came through. This was not the case. This is done if you have their overdraft protection. Please have the agency that oversees the bank look into this matter. The response that the bank submitted did not answer my complaint.
Consumer complaint received 2016-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (IL)

This ishould a debt from XXXX XXXX. I spoke to their rep who stated that the equipment was worth {$500.00}. He said that if I returned the equipment, I would only owe {$90.00}. Someone from Afnight credit collectionscore called me stating that I still owe {$590.00} even after XXXX received their equipment. I returned the equipment in good condition months ago. This total amount due is incorrect!
Consumer complaint received 2017-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (FL)

I checked my credit reports and viewed that AFNI, Inc. placed another collection record on my credit report. On or about XXXX XXXX, 2016 I filed a complaint with the Consumer Financial Protection Bureau ( Case # XXXX ). On or about XXXX XXXX, 2016 AFNI responded to my complaint by stating they will cease communication and that AFNI, Inc. does not own my account. The amount that AFNI, Inc. wanted me to pay was {$550.00}. In reference to the recent actions of AFNI Inc. placing another collection record on my credit report which is damaging my credit worthiness and credit score stating that I owe {$220.00}. AFNI, Inc. knowingly and willingly violated the Fair Debt Collection Practices Act ( FDCPA ) & The Fair Credit Reporting Act.
Consumer complaint received 2016-06-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (NY)

I called XXXX to find out the amount I owed them. They gave me that amount and I paid it, only to find out ( weeks later via a credit report ) that I had a collections notice for more money. They are n't getting back to me and I have tried to reach out and see if they can assist me in resolving this issue, but they are n't getting back to me with any options.
Consumer complaint received 2015-08-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

BSI Financial has not fully answered questions, notices, requests and concerns brought up by me and my attorney. My attorney has requested several times that all sale dates for my property cease while we look into BSI 's responses to my initial concerns and that they provide proper documentation of their alleged right to foreclose. But they have not stopped foreclosure proceedings or stopped the sale date. I have brought up concerns regarding defects in the chain of title, assignment of the deed of trust with the wrong information, robo-signatures on several recorded documents, however BSI will not respond to these concerns. My attorney and I have asked that ALL foreclosure proceedings and sale dates cease until ALL MATERIAL VIOLATIONS THAT HAVE BEEN DETECTED ON ALL RECORDED DOCUMENTS BE CORRECTED.
Consumer complaint received 2017-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Bliksum, LLC (CA)

On XX/XX/2017, I was notified by a company that was conducting a background check for pre-employment. The HR manager informed me that a third party responsible for doing their background checks found that my social security number and date of birth were also coming up under XXXX other individuals. They started that I needed to clear the mix up before moving forward. The names that appeared were provided to me and documentation was also sent. The names that appeared are as follows : 1. XXXX XXXX XXXX located in Louisiana 2. XXXX XXXX XXXX
Consumer complaint received 2016-02-02
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

I received a {$50.00} bill from a Citibank ATM. When I went into the branch location to make change, they confiscated it and told me it may be counterfeit. I thought using my bank atm would be safe. The Citibank assistant manager told me that another company loads the Citibank ATMs and that Citibank was not responsible. I was told it would be sent to secret service for further evaluation.
Consumer complaint received 2015-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A. (TX)

In XX/XX/XXXX, I applied to my mortgage holder Citimortgage to refinance my 15 year mortgage loan to take advantage of a lower interest rate. I was approved for the loan, however, at the time of closing in XX/XX/XXXX I was between jobs and was not allowed to close on the loan although I had bought my home back in XX/XX/XXXX and had never had any problems with my monthly payments, more importantly I continued to make my payments as required even during this time between jobs. Additionally, the required appraisal which caused me over {$350.00} showed that my home value to loan meant that a PMI was not required, Citi has continued to bill me for PMI cost and have advise that it will automatically end in XX/XX/XXXX. My potential mortgage savings were about {$500.00} per month and savings related to removal of the PMI would have been {$170.00}. As for the record, I have been an Accountant for over 26 years and have not been unemployed/underemployed for no longer than 3 months over the past 19 years.
Consumer complaint received 2016-10-18
Product: Prepaid card — ID prepaid card
Issue: Fees — 
Company: CITIBANK, N.A. (CA)

Front of sheet accompanying prepaid card indicates " valid thru : XX/XX/XXXX ''. I was n't able to activate the card using my zip code as requested and was finally able to get through to a live agent. Upon activation, agent informed me that the balance remaining on the card was {$13.00} ( instead of {$16.00} ). He had to explain that there was a schedule of fees located on the back bottom of the sheet, essentially fine-print that is not user friendly and seems very shady to me as a customer, since I did not request this prepaid card and it was issued to me by XXXX through Citi.
Consumer complaint received 2016-04-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (MA)

I placed a fraud alert on my credit at the XXXX credit bureaus about 1 1/2 months ago. I continue to receive unsolicited credit card offers from Citi Bank. I have received at least XXXX offers within the last week. I contacted Citi Bank to request that I no longer receive credit card offers by mail. I was told that I would be placed on a " do not mail '' list, however, the representative told me that she was unable to tell me how long the request would be effective. I requested a copy of Citi Banks privacy terms and conditions and do not mail policy be mailed to my home. I was bounced around to several different people and ultimately my call was disconnected. 

When I called back, the representative told me that Citi Bank had a policy not to mail privacy terms or the terms of the do not mail list to anyone who is not a Citi Bank customer. I am not a Citi Bank customer. The representative then told me that I could visit a Citi Bank branch to obtain this information. Despite repeated requests, Citi refuses to send me a copy of its privacy terms or the terms of its " do not mail '' list.
Consumer complaint received 2016-03-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (WA)

Ultimately, someone used my Macy 's card to purchase an expensive handbag XX/XX/2015. I did n't discover this until XX/XX/XXXX - I had n't received statements for some time, so I logged in to check my balance. I found an unexpectedly high balance at this time. Looking through the activity, I found a purchase I did n't make ( a handbag for several hundred dollars, shipped to a name/address other than my own ), which I reported ( or so I thought ) online. I called back a week or so later, XX/XX/XXXX, to check the status and update my address, as the online address update feature did n't seem to be working. At that time, I was told that online reporting did n't work and that no fraudulent activity had been reported on my account ( concerning ), so I reported the incident to the representative I spoke with and updated my address. Another month passed, and I started to see my credit poorly effected, and I was receiving collections calls about the account. I made multiple attempts to call to ask the status of the fraud claim, but more often then not, I was placed on long holds or disconnected ( or both ). I persisted and continued to try to contact Macy 's, and each time, was reassured, it was in progress, and " these things can take ( x amount of time ) to resolve. '' Each time I called, the time period forecasted was longer - initially 6 weeks, then 2 months, then 90 days. It seems that each time I called, I 'd have to tell the whole story, as notes did n't seem to be taken down. Eventually, one representative confirmed my address with me, and they still had my old address on file, apparently, in parts of my account ( how I 'm to know which parts were updated, I 'm not sure - I had moved and informed them of my new address ... ). 

My credit score has dropped approximately XXXX points and the issue remains unresolved. I 've attempted to speak to supervisors, but these conversations ( if not disconnected ) have led to no action. I 'm promised calls back and do n't receive them. In the 15 or so years I 've had credit cards, my accounts have been hacked a handful of times, and I 've never had to bear the brunt of it upfront. I ca n't believe this is legal, and would love for Citibank ( the creditor responsible for the Macy 's card ) to be thoroughly investigated.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IN)

To Whom It May Concern : I saw the news articles regarding the lawsuit again Navient. The issues outlined in the article are my exact experiences. 
-My payments were mis-allocated. I final caught on and now send a paper check and write which loan to put the payment on. I then have to check to make sure this actually happened correctly. It often does not. 
- I have tried to overpay several times and have been told I ca n't. They told me another payment is not due until next month. I have had to argue to overpay on my loans. 
- At one point, some of the loans were in deferment per my request. I was told there would be no penalty. I later found out that they were reporting the loans as missed payments which showed up on my credit, thus hurting my credit score. To this day, this issue affects the interest rate on my home mortgage. 

This company is infuriating, difficult to work with, and deceitful. I have all of my documentation at home. If there is a way to get involved, I would love to be included. I want to see some repercussions. For most of us coming out of college, we have never dealt with debt to this amount. It is a scary process. Being lied to has resulted in negative consequences that now affect me years later. 

XXXX XXXX
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

My credit score is affected by " the number of delinquent accounts '' which does n't make any sense to me. I do n't remember having a late payment in recent history. In fact, my FICO report shows that I 've made 100 % of my payments on time in the last 24 months.
Consumer complaint received 2016-11-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

Hello, I defaulted on my private loans with XXXX XXXX which is now Navient in XX/XX/XXXX and they were charged off on my credit. The loans were then sent to XXXX. The law firm, XXXX magistrate court, and I came to a judgment that I will pay $ XXXX month towards the loan with no interest or attorney fees included XX/XX/XXXX. 
I have never missed a payment on this judgment since created. However, Navient reports every year a new charge off charge to my credit report and does not reflect my current payment history. Also, they are continuously adding interest to my loans which the court order clearly states no interest included in the balance. 
I am in the process of purchasing home most recently as XX/XX/XXXX Navient has reported missed payment and charge off negatively to my credit report. When I am in good standing with XXXX/collection agency. This impacted my credit score by XXXX points. 
This practice has to illegal and unfair. The charge off should be a one-time occurrence not a continual monthly occurrence if the judgment is being meet by the courts. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I made an extra payment online through Navient Corporation online bill pay for the amount of {$10000.00} for which I had designated all to go to the principal. Instead Navient Corporation took the majority of my payment ( {$8200.00} ) and rerouted it to my accrued interest. The remaining amount ( {$1700.00} ) was applied to my principal. I contacted Navient about this issue shortly after XX/XX/2014, I was told the online bill pay system allocates the distribution of payment, regardless of how the payor designates payment. Therefore it was projected to me as if this was final and I could not redistribute may payment as it was already processed. This was very frustrating and made me feel at loss. I was living on a limited income with a very large loan amount. My total student loan amount is currently {$210000.00} with an interest rate of 6.8 %. My credit score has taken a hit because I had difficulty making some payments after I had paid such a large amount in hopes of reducing my monthly payments but to no avail my monthly payments continued rise. These practices make it impossible to payoff loans, it makes well intentioned individuals lose hope in paying their loans off.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CO)

I borrowed from XXXX/Naviant back in XX/XX/2011 and have since graduated. I am a XXXX with a XXXX and a husband who works part time so we can avoid paying child care. We live pay check to pay check and I have called Naviant who asks for XXXX $ so dollars from me each month to get an income based plan and have been told no. They put me in forbearance and have killed my credit. They have made me intimidated to call and make me feel like they could care less if I am struggling to pay. I do n't know what to do anymore and continue to go in forbearance because this is the solution they offer.
Consumer complaint received 2016-06-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAXXXX XXXX XXXX XXXX, 2015 Navient XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request to lower my monthly payment for Acct # XXXX RE : Graduated Repayment Plan Dear Navient : I am writing to appeal the decision of denial for graduated repayments. 
You send me option for graduated payment plans and deny the plan the same day from the correspondence that was sent to me! How can I possibly pay you {$1200.00} dollars per month, and I do n't even make that amount! 
I have asked several times to work with me! I am willing to start repaying my loan, but I can not realistically pay you back an amount that I do n't make!! 
Please send my letter to a higher management personnel. I am truly trying to work with you, but asking for unreasonable payments when I clearly do n't even make that amount a month is asking too much! 

This is a copy of my original letter!!!!!!!!!! 

I am writing to you because I need to reduce my monthly private student loan payment due to a financial hardship. I am requesting a payment that allows me to meet my other necessary living expenses. 
Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan. My total income at this time is only XXXX. I ca n't possibly afford a payment of {$1300.00} to Navient and pay my other living expenses to take care of my family. This payment is XXXX % of my total salary!!! I have enclosed copies of my check stubs to verify my income. 
Please help me lower my payments that I can afford and pay my mortgage and other bills.If you require additional authorization in order to reduce the amount of my monthly payment, please consider this letter a written request that you contact my employer or other authorized party to conduct a review of my account and provide a response within 15 days of receipt of this letter.If you do not grant this request for a reduced payment plan, I will be at risk of default. If I receive a reduced payment plan, I may be able to avoid default, which is in the best interest of all parties. 
If you determine that you are unwilling to provide a reduced payment plan, please provide the following information : Explanation and alternatives to helping repay private loans. 
In addition, if you are unable to provide any of the information or documentation I have requested or otherwise can not comply with this request, please provide an explanation. 
I hope we will be able to agree upon an acceptable repayment plan. 
Thank you for your cooperation. You may contact me at my available email or phone information. 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Risecredit, LLC (SC)

RISE which I know nothing of received a notice from me asking for verification of this debt that they claim that I owe with them. I want the original signatures and documents relating to this particular debt amount. They never responded to my request sent to them for verification .The letter was delivered to them XXXX/XXXX/16 to their front desk. 

1st violation is they did not respond to this. FDCPA violation 2nd violation they never notified me of this debt in the beginning before it hit my credit reports. FDCPA violation as well as FCRA violation 3rd violation they verified with the credit bureaus of this fraudulent account and this is a violation of the FDCPA and FCRA. 

I have the attached delivery sent to them asking for verification and the response from the credit bureau stating that they contacted RISE and they verified the debt but they refuse to verify it with me. I will resort to legal grounds and take it further if I have to. I want this account deleted from my credit reports.
Consumer complaint received 2016-06-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Risecredit, LLC (NC)

I have sent several requests to RISE per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.