davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MO)

my wife and I have been trying to get Fedloan Servicing to properly calculate out student loan payment. It is extremely difficult to work with them. Long waits on the phone, they are only open on weekdays, their website logs you out extremely fast once you login and you lose your place and/or have to navigate through their entire site again just to be logged out again. I feel like they make it extremely difficult for the consumer to get Fedloan to do their job correctly. Fedloan has always miscalculated our payments and we have to spend numerous hours trying to resolve this. We are bright, patient people but this process is confusing, slow and at times, unresponsive.
Consumer complaint received 2016-11-21
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (NJ)

I was informed XXXX certificates of deposits were closed as being dormant, even though they were rolled over just this year. The funds were sent to the State of New Jersey, though the state has no record of the transfer. Not only did I not think the accounts were dormant, I received emails from the bank ( Ally Bank ) when they were rolled over saying, " The loyalty reward at renewal is automatic, you do n't have to do a thing. '' XXXX CDs had a rollover within the last calendar year, which belies the bank 's claim that the accounts were dormant for 18 months.
Consumer complaint received 2015-09-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (AZ)

my initial complaint is # XXXX. Back in XXXX and XXXX I submitted a complaint against Stellar Recovery their phone number is XXXX. They continue to robo call my home each day different times of the day. The automated message gives different peoples names. People I have never heard of. My husband and I are senior citizens and are not in any debt collection. I also wonder if this Stellar Recovery has a charter to collect money in Arizona as there company is in Maryland. I would like to know the status of my complaint as I am still receiving these harassing calls. The status in your database states it is under dispute.. Who is disputing my complaint ; surely it can not be Stellar Recovery as we do n't owe any money that is in collections.
Consumer complaint received 2016-04-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (SC)

My vehicle was paid off by the at fault driver 's insurance company following an automobile accident on XXXX XXXX. An overage is due to be refunded to me, as my account balance was paid in full. I have made repeat phone calls to Exeter Finance regarding money they owe me, approximately XXXX. Every time i call, they are reviewing it. A payoff amount and warranty refund was sent over 2 weeks ago, XXXX XXXX, 2016. To date, it 's still being reviewed by a department that no one can speak with. My account is still open and showing that i owe them. They keep assuring me all is fine. It is not until i receive my overage check, my account is closed, and reported to the credit bureaus as paid in full.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc. (PA)

Stellar Recovery placed an item on my credit file and on XXXX XXXX, 2016, a validation request was forwarded to Stellar Recovery, since that time, no response has been made regarding the validation of the debt at all. I have since sent correspondence to Stellar Recovery advising that since they failed to supply me with the proper validation items regarding this debt, they must now remove their tradeline from my credit fil
Consumer complaint received 2016-11-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Veripro Solutions Inc. (NY)

The company that purchased my home equity load which was discharged through bankruptcy six years ago has contacted me and told me that my debt was satisfied through some government program and that they were sending documents to city register to remove the lien from my property. I had to sign some Dodd Frank form and forward it to them. I did that. This was back in the beginning of XXXX. Since then I have checking acris.nyc.gov website to see if the lien was removed but nothing happens. I have contacted the company numerous times and each time they are telling me that the paperwork has been submitted but nothing happens. I went down to the city department that handles the liens and they told me that it takes 5 weeks to process a record. It has been way longer and I am afraid that this is some kind of scam.
Consumer complaint received 2017-03-02
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Accounts, LLC (NY)

I received a notice of collections from Capital Accounts on about XXXX/XXXX/17 for an old medical bill. In that short time between then and noe XXXX/XXXX/17, I 've received phone calls from them looking to collect. I asked them on the 2nd phone call that I plan on disputing the bill and to not call during my work hours any longer. The woman on the phone then took an abusive tone, declared that she 'll note that I refuse to pay the bill and hung up without any further clarification. While, she did n't make any direct threats, she seemed to imply they 'll take legal action against me or to hurt my credit by FALSLY claiming that I refused to pay the bill, even though I still have 30 days to send my written dispute.
Consumer complaint received 2015-10-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (VA)

My name is XXXX XXXX and I have been harrassed by Exter Finance for over 7 months of non paymnet and asked for more money over the phone againt my account after proven I never missed a payment but has in fact over paid on my account. All phone calls are recorded and their are managers stating I have overage amounts waiting on my account but each day they were calling like XXXX times a day an sending threatening documentation to repossess my vehicle which I told them was stressing me out they did not care. I have given them every fax from my bank showing over payment from bill pay an yet they do not update my account but continue to harass me. I would like this stop and my account reported to XXXX bureaus as always being in good standing as well as reflecting on my statements of over payment. I think I should also be compensated for there neglect to human negotiations an respect for me as they attracted my character and integrity. My payment is only XXXX ... I have alays over paid.
Consumer complaint received 2015-03-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (WA)

I cosigned XXXX student loans at SallieMae for my son. For the last XXXX years I have made the {$25.00} required minimum payment. Over time as the number of loans grew, so did the payment. I currently send XXXX check for all XXXX loans in the amount of {$100.00}. Suddenly last month they credited the full payment to just XXXX loan and then put the other XXXX loans into a late payment status with extra fees. This happened XXXX other time and they gladly reversed it for me. This time however they tell me it 's just too bad. That I will have to make the late payments and fees on the other loans to get caught up. She said even though it 's their rule I make {$25.00} each they ca n't be expected to know how to credit my account correctly unless I send in XXXX separate payments or detailed instructions on how I want the payment to be credited to each loan. Seriously, it 's simple math XXXX loans x {$25.00} = {$100.00}. Seriously? I should not have to send XXXX checks, nor should I have to write detailed instructions.
Consumer complaint received 2015-11-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (NJ)

I am the co-signer on XXXX student loans with Sallie Mae. The terms and conditions of the loans I have taken state that any payment received will be first applied to satisfy the minimum due amount for all loans, and any excess amount will be applied to the loan with the highest interest rate. I have sent a letter to Sallie Mae with the same instructions, and asked them to keep it on file. 

For the past XXXX payment cycles since taking the XXXX loan, Sallie Mae has not followed these terms. Instead, they apply full amount to XXXX loan, and let the other loan go into arrears. In addition, they initiate an automated calling prompt to my home phone, my cell phone, and the student borrower 's cell phone, in escalating frequency. These have continued even after I have had numerous telephone calls and assurances that this issue is in the process of being resolved. I am left to assume that Sallie Mae is unable or unwilling to change their processes without intervention from their regulating authority. 

I consider these unwarranted auto-dial calls harassment and ask : 1. for them to cease immediately, and 2. for the CFPB to instruct Sallie Mae to follow the terms and conditions of their promissory notes. 

I ask that the CFPB intervene specifically on my behalf, and if there is any class actions that can be taken, I want to consider being a part of those. 

For reference, today I have spoken with the following people at Sallie Mae who have been unable to resolve this issue : XXXX in Tennessee ; XXXX in XXXX, DE ; XXXX in XXXX, DE ; and XXXX, in XXXX, DE. XXXX 's employee number is XXXX.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (MD)

I have contacted Citi Cards multiple times in regard to a check they issued to an incorrect address. They have continually told me to follow up with them week after week. This has been going on since XXXX, it is now XXXX. They admitted they never updated my address in their system and were at fault ; however, they have not followed through in correcting their error. They advised it could take WEEKS to place a stop payment, which is ridiculous.
Consumer complaint received 2016-06-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

I attempted to file this complaint with my student loan servicer ( see below ). I received an emailed response " an application is being mailed to you. '' I completed an IDR application online. I emailed my tax return to FLS the next day. I spoke to XXXX at FLS who said this was received. On the IDR application the Department of Education listed FLS as my loan servicer, one name one address. 

I am requesting to file a formal complaint. First, I spoke to your agency and I was never advised about the income based repayment plans when I was having trouble paying my loans. I received no assistance from AES or FLS other than forbearance and then being told my forbearance time is up. Second, your agency is refusing to process my XXXX application. I contacted both FLS and AES and notified them my application was submitted online and my tax documentation was emailed to FLS and I received confirmation on the phone and via email, the tax documentation was received. 

I understand you use two separate names, but you are the same agency. Your AES representative lied and said you were a completely separate company and not in the same building or associated, which is untrue. I am requesting, again, that you ( FLS and AES ) process my XXXX application accordingly as you have the completed application and my income documentation. 

There is a serious problem when a student loan servicer deliberately makes this process hard for borrowers because of your lack of communication and unwillingness to take a few extra minutes to assist your customers. Instead your 'escalated ' representatives attempt to make me duplicate efforts by faxing income documentation that you already have. And I emailed the tax return initially after trying to fax all day, to a constant busy signal. Your ever so helpful representative then suggested 'just keep trying, ' until I asked questions about alternatives and was given an incorrect email address. I called back again to get the correct email address.
Consumer complaint received 2016-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

I experienced some health issues XX/XX/XXXX and was hospitalized in XX/XX/XXXX and XX/XX/XXXX. At the time, my student loans were still within the grace period, with the exception of XXXX consolidated loans. As soon as I was made aware that my loans were coming due, I spoke with a customer representative and explained my recent health complications and my inability to make the large student loan payments. I was told that I could apply for the income-based repayment plan and to complete the application online. My first attempt to complete the online application was in XX/XX/XXXX. I was later contacted by FedLoan about my payment status. I informed the representative that I completed the online income-based repayment application. The representative was unable to locate the application. I made several more attempts in XX/XX/XXXX and XX/XX/XXXX. I contacted FedLoan and StudentLoan.gov regarding the issues with the online application. There are online-accessible records reflecting XXXX of my XXXX, XXXX attempts. It was not until XX/XX/XXXX that the application was able to be processed and this was only after an hour or more conversation with a representative that assisted with the application and technical issues. The representative kindly stayed on the phone with me until she was able to see confirmation of the completed application since I had previously submitted several applications. At no time during any one of the numerous conversations with the representatives from XX/XX/XXXX to XX/XX/XXXX, was I ever told to request a forbearance to resolve the late/outstanding payment. Rather, due to the technical issues we were advised that the issue would be resolved upon the approval of the repayment application. It was not until I received a subsequent call regarding the late payments, which were not the income-based repayment amounts, was I told that the late/outstanding payments issue had not been resolved but that I could now request a forbearance since I was unable to pay the delinquent amount. I completed the forbearance request and was later approved. It was not until recent that I discovered the late payments reported to the credit bureaus. I submitted a dispute based on the forbearance and was information that retroactive forbearance do not relate to any credit reporting, which I think is unacceptable but nonetheless. However, my XXXX consolidated loans began reflecting late payments when I was experiencing health issues. More importantly, the late payments reported for XX/XX/XXXX and XX/XX/XXXX do not accurately reflect the circumstances and inability of processing my numerous repayment applications through no fault of my own and due to technical and/or communication issues with StudentLoan.gov and Fed Loan. Additionally, I should have been made aware that the application issues would not resolve any outstanding payments and advised of my option to request a forbearance.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo, {$80.00}, On XX/XX/XXXX the autopay on my XXXX Credit Card was turned off. I have had this card for eight years and have always had autopay on. I only found out that it was turned off upon seeing two financial charges on my credit card statement for a total of {$80.00}. Upon reaching out to Wells Fargo they Told me that I was the one that turned it off and said that they could not help me. When I asked them for information on the device that was used and the location they told me they could not give me this information. Because of this missed payment my credit score could be effected.
Consumer complaint received 2016-06-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (UT)

I made a payment on the highest interest/highest amount loan. A few days later, I saw I still had {$40.00} to pay on that loan. I called and asked why, and was told that I did n't choose the option to " pay off loan '', I simply made a payment. I was frustrated that the option to " pay off loan '' was not in a clear and obvious location on the website, and that I was never told about the differences between the two options. When I spoke with a manager, I was also informed that the loan amount reflected on my screen is not an accurate reflection of my loan amount. I was told this gets updated only 1-2 times a month. This makes it almost impossible to have confidence that I can pay off my loan for good. It is also dishonest and irresponsible of Fedloan Servicing to not provide borrowers with accurate, clear, and accessible information on our loans. I was very fortunate to speak with a manager who understood this and explained to me in a clear, honest manner. I would urge Fedloan and the department of education to change dishonest practices implemented to keep borrowers in debt indefinitely for lenders ' benefit and instead create a system that accurately reflects loan amounts.
Consumer complaint received 2016-03-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Texas Guaranteed (FL)

I have contacted Texas Guaranteed loans collections agency several times in the last few weeks/months attempting to resolve issues regarding a defaulted loan that lead to my tax refund being offset. The first time I was contacted, I spoke to XXXX of their representative XXXX whom was very rude and would not answer my questions regarding the default, instead she was coarsing me into starting a payment plan and this after i previously stopped a wage garnishment while attempting to figure out exactly why I defaulted on a loan, when i have either been a XXXX student or when in between schools have requested for a forbearance. I was told to bring a letter from the school showing periods of enrollment leading to the time i defaulted. I obtained this information and contacted texas guaranteed loan yesterday Yesterday XXXX/XXXX/XXXX. At this time, I spoke to a male who gave his name as being XXXX, I have spoken to this man in the past and remembered him being very rude and gave me false informations and will not assist me with informations or answer questions correctly. Then on this day, he answered the phone and I asked if I can please get their fax number. He asked me what I was faxing, I said a hardship request to get my tax refund back, and a letter from the school stating that I was fully enrolled in school. At this time, he became very irrate, and told me that it will not do anything for me, and he doesnt know why I 'm wasting my time. And that I could not have placed a firbearance on the loan that many times, because its only granted once, and that this loan was from XXXX. And unless i can prove that I have been in school from XXXX until now, then there 's nothing i can do. I explained to him that I remember speaking to him once before and that he was very rude at the time and giving me false informations as he is doing now. I informed him that i have spoken to multiple people there since this morning and you once again are the only one giving me different information. He continued to tell me that it doesnt matter what i have that they are not going to do anything about it. He was being very verbally abusive and yelling at me. This went on for 12 minutes and he eventually hung up and did not give me the fax number.
Consumer complaint received 2015-08-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (TX)

I took out a private student loan from XXXX Student Loans. I had the payments auto deducted from my bank account the last XXXX years with no problem. I changed banks in XXXX and switched my auto pay bank through XXXX. At this time XXXX 's student loan group was being bought by AES. The bank change never went through and because the loan was being transferred I lost the ability to view it online. XXXX acknowledged the issue and assured me the payment would be backdated based on it being their fault and any credit bureau reporting would be removed as a result. I spoke to AES and they also confirmed that the payment was backdated. When I went to get a mortgage it turned out that it was still showing negative. Now XXXX ca n't be reached an longer because they have closed up shop and AES has given XXXX different variations of what they are doing to fix the issue.
Consumer complaint received 2016-09-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (LA)

This supposed debt was with originally with XXXX XXXX XXXX in XXXX of 2016. I disputed the debt requesting for validation and I never received any response and that collection agency deleted the debt from my credit report. Suddenly, I pull my credit reports in the month of XXXX and notice that a new collection agency had reported this debt and never sent any sort of notification prior to doing so. On XXXX XXXX, 2016 I mailed a certified letter to Enhanced Recovery explaining they had never sent any notification denying my consumer rights and reporting the item without proper notification and time frame to dispute the validity and I also requested validation from this company. I have confirmation my letter was received on XXXX XXXX and I 've still yet to hear anything from them but the supposed debt remains on my credit file and is hendering my credit scores.
Consumer complaint received 2016-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (IN)

FedLoan accused that I was delinquent on making payments toward repaying my student loans beginning XX/XX/2016, and they reported my loans as delinquent to the credit bureaus, so they now show up negatively on my credit report. However, they also approved " Delinquencey Forbearance '' on my account/loans from XX/XX/2016-XX/XX/2016, and approved " General Forbearance '' on my account/loans from XX/XX/2016-XX/XX/2016. Because forbearance was approved, I feel I should not be considered delinquent on these payments, and therefore it should not have been negatively reported on my credit report as such. FedLoan denied to take any action to correct this false, negative reporting when asked to do so, and stated " it was too late '' to take any corrective action on removing the delinquent accounts from my credit report.