BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-01
Company: JPMORGAN CHASE & CO.
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Vehicle financed through Chase XXXX was repossessed with no prior notice. Loan was only 68 days past due with a payment in the mail and received by them the day after it was repossessed. In XXXX XXXX I believed I had made payment change arrangements from XXXX of every month to the XXXX of every month. Apparently it was not accepted and I was never notified. XXXX XXXX - XXXX XXXX I made my monthly payment via my online bank by the XXXX and I confirmed they received by XXXX every month. This apparently put me in collections for XXXX straight mos, missing my due date by 20+ days. No calls were ever made to me and no attempt to look at my history and contact me to either get my date change or request earlier payment was made. I had an online account with them and never received an email or online message. To make matters worse, I did miss my XXXX XXXX payment due to an oversight on my part. Again, XXXX XXXX XXXX payments were made the XXXX. On XXXX XXXX the car was repossessed. No letter, call or notice received to make arrangements or advise of the intent to repo. Once I called them to inquire about the loan the conversation started with amount needed to bring the loan current. Again, no attempt to understand the situation and look at the history to assess true ability to repay and timing of payments. I was prepared to bring the loan current ( approx $ XXXX ) and recover my vehicle. I was eventually asked " how will I be keeping the loan current '' and I had already advised of the oversight on my part and that it was not due to lack of ability to pay. Frustrated I advised " I do n't know how to answer your question '' and that " I will be more careful and pay on time as I never imagined repo was possible ''. I was placed on hold and it was obvious the collector did not like my answer when she came back as she advised that at this time they were going to accelerate the loan balance and require me to payoff the loan in full ( approx. $ XXXX ). A couple calls back and even an escalation request got me nowhere as I was advised the decision was final. I believe this action was taken to an extreme with no evidence of inability to pay. My reason is complete oversight on my part and I in no way deflected responsibility. I never advised I was without work or any other hardship that would indicate the delinquency would persist. I never received any notice to cure or legally required notice. There is no doubt I broke the terms of the contract but I believe Chase took overly aggressive and unjustified action in the interest of taking advantage of the situation. Their predatory action has resulted in additional financial burden and credit reporting damage that I will live with for years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
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:
Before my loans went into repayment once I graduated from grad school, I chose to consolidate. My loans were transferred to FedLoan Servicing. I have previously had loans consolidated with XXXX and have only had good experiences. I currently pay my student loans from my previous degree through XXXX 's direct debit system, with the same bank I am attempting to use with FedLoan. They have repeatedly approved my application for direct debit, then told me I had insufficient funds ( I do not ). I have had issues with them telling me my routing number is wrong, I change it to the one they tell me, then it 's still not going through. It seems that they are deliberately complicating the process of direct debit so that the interest rates do not have to be dropped the tiny portion of a percent. Every time I use my banking information to make a phone payment, that MAGICALLY goes through. I have been calling them at LEAST monthly to correct this issue since XX/XX/XXXX and it is now XX/XX/XXXX. I have launched my second complaint with the ombudsman and requested that I have my account transferred to another provider, hopefully XXXX, because clearly this is a predatory lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I was sued by Pressler and Pressler for an alleged debt that i never knew from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX Student Loans including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between National Collegiate Trust ( NCT ), American Education Services ( AES ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX Student Loans XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX XXXX Loans, National Collegiate Trust, American Education Services, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Docket Number : XXXX XXXX Department of Court Records, Civil/Family XXXX-County Building XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX Case Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have an account with SunTrust Bank, from which I have never ordered checks. SunTrust bank cashed XXXX forged checks out of my deposit account and then charged numerous overdraft fees from those checks and other debits from the account. I called the next day to report the counterfeit checks, but they are saying that they will take 7-10 business days to " investigate. '' These checks are obviously counterfeit. They look like they were made from a copy machine, they were from a SunTrust Bank with a PO Box , and they were signed " XXXX ''. SunTrust now refuses to release my money back to me because of their mistake while they hold onto my money for 7-10 business days. This is an absurdly long time to investigate something that is a clear case of fraud because of their lack of security.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
My Dept of Ed loans were being serviced by XXXX, when I submitted a Public Service Loan Forgiveness affidavit of public service activity that I wanted credited toward my XXXX months of payments. This was received around XX/XX/2016. I was then notified sometime around XX/XX/2016 that my loan was being transferred to PHEAA ( or Fedloan ) for servicing due to my qualification for the PSLF program. This was at the same time that I had turned in a renewed IBR plan request to XXXX ( in XX/XX/2016 ). XXXX notified me that my IBR plan request had been accepted and that I would " soon '' learn what my new payment was to be. However, they transferred my Department of Ed loans without telling me what my new payment would be. My loans disappeared from the XXXX online system and XXXX customer service was unable to tell me what the payment would be. I created a Fedloan account but the online account contained no information about my loans from XXXX through XXXX. I called Fedloan to inquire as to when my payment would be due and what it would be, and the customer service agent told me that the loan transfer was " in process '' and she could not tell me what my loan amount was or when it was due, and that I would be notified when the loan transfer was complete. I repeatedly logged in to my Fedloan account and found it empty with no payment listed as due and no loan information, until one day I logged in and it showed my loans with the new payment information and told me that I had a payment that was past due and " delinquent. '' I was never notified of the loan payment due date or amount. I had my loans on autopay with navient and was never late for a payment, but this information did not appear to transfer with my loan. Fedloan did not attempt in any way to contact me to tell me I had a payment due, in spite of me being extremely proactive in trying to pay my loan on time. It appears to me that information about when my loan payment would be due and how much was deliberately withheld from me in order to make me late for this payment. It appears to me that there is a systematic issue with loan transfers that obfuscated basic information from me that was necessary to make on time payments. Had I not been proactive, who knows how long fedloan would have sat on my " delinquent '' loan without contacting me. I gave them my email, phone, address and called them and logged on repeatedly in an attempt to know the basic information about my loan, which they withheld from me until after the payment appeared to be due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Ok so I complained and they found 12 additional months toward my public service loan forgiveness. Funny can they find more as I have 18 yrs with the same agency? I think they should look till they find them all, do n't you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: AES/PHEAA
State: FL
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:
During XXXX XXXX, I elected to use the direct deposit option to pay my student loans. On XXXX XXXX, XXXX, while checking my payment history for my student loans, I realized my loan balance increased from {$91000.00} to {$96000.00} between XXXX XXXX, XXXX and XXXX XXXX, XXXX despite making regular monthly student loan payments from XXXX XXXX to present. I was unable to find an answer as to why my loan balance increased until XXXX XXXX, XXXX because the information was not available online and my student loan provider, FedLoan, is available by phone only during the work week. While speaking to my student loan provider on XXXX XXXX, XXXX, I learned that when I signed up for direct deposit XX/XX/XXXX that I was apparently warned that direct deposit may take two months to take effect and in case of any missed payment occurring after signing up for direct deposit my loans would automatically go into forbearance and any interest accrued during that time period would be capitalized to my outstanding student loan balance. My XXXX XXXX, XXXX payment was not automatically withdrawn from my bank account even though I signed up for direct deposit the month before, but upon realizing the error on XXXX XXXX, XXXX, I paid the balance in full. I have made every payment on time since XXXX XXXX, XXXX to present. After pleading with FedLoan and attempting to explain that the result of this policy was unfair ( they received one monthly payment less than 2 weeks late and I received nearly {$4800.00} in capitalized interest 10 months after the fact ), I was told that no one at FedLoan would be able to decapitalize the interest from my student loans. I offered to pay FedLoan for the damage that I caused by making my XXXX XXXX payment 13 days late in exchange for decapitalization, but was still told no. I offered to make a payment of {$1000.00} to {$2000.00} dollars on my student loan in exchange for decapitalization, but was again told no. I have several complaints. One, FedLoan should be able to set up direct deposit in a more timely manner. Two, FedLoan did not provide adequate warnings of both the delay in setting up direct deposit or the consequences for missing payment due to the delay in setting up direct deposit. Three, the automatic forbearance leads to unjust results as I did not receive the benefit of the forbearance ( I made all payments except the XXXX XXXX payment on time ) and FedLoan was able to capitalize a substantial amount of interest on to my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was just transferred to Freedom Mortgage XXXX XXXX, the letter we received stated we needed to send payments beginning XXXX XXXX to them. I had scheduled our mortgage payment through our old lender already and could not be cancelled. 

I contacted both XXXX XXXX and Freedom Mortgage immediately to inform them that the payment had been sent to XXXX. Both XXXX and Freedom informed us that we had a 60 day grace period for XXXX to send the payment and that it was no problem at all. 

We are getting daily calls and multiple letters in the mail from Freedom telling us that we are late. We have now received a packet from Freedom asking for all of our financial information, ways telling us all the different ways to avoid foreclosure, a Uniform Borrower Assistance Form. 

We are completely up to date on payments, there is no reason a mortgage company should be able to foreclose on us. Freedom refuses to contact the company to work with them to get their money. It is completely up to us to figure out how to get XXXX to give Freedom the payment we sent, otherwise, we are going to have this go on our credit and possibly lose our house- over being up to date on our mortgage payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am requesting your assistance with Lender, Carrington Mortgage Services. At the present time they are proceeding to move forward with a sheriff sale when the borrower and realtor has submitted all required documents upon learning what was required. The documents were submitted and acknowledged received by XXXX, a represented of Carrington Mortgage. The documents were confirmed on XXXX XXXX, 2016. I was told that the file was waiting to be assigned to negotiator AND the negotiator would call with the formal introduction. After not receiving a call and/or email, another call was placed XXXX only to learn that on XXXX Carrington denied due process of the short sale because there was not enough time to review and they were proceeding to foreclosure. I requested a postponement of the sale but this was denied by XXXX. She also, denied a short sale review after the foreclosure sale date citing that unless a full payoff was received during the redemption period thru their attorney, no further communications would be had. I believe that this is unjust with their refusal to fully review the file - especially since the hardship began with the death of the primary borrower on the loan. The death certificate and all documents were received by Carrington months ago with an appeal for a modification due to long term hardship - which was denied without a written document ever received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have a loan with FedLoan Servicing. I requested an Income Contingent Repayment plan back in 2015. They have not been able to process it and continue to send me warning letters that I am not paying back my loan. I have emailed them multiple times and called them twice and both times they have promised to resolve the issue. They said they had a backlog of requests. Without my permissiion they put my loan in forebearance, but now they are sending me emails that my payments are overdue. They never processed my request for an ICR plan. It 's like they do n't even hear me when I call or write to them. This is going to affect my credit. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: AES/PHEAA
State: CT
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:
My loan was transferred from XXXX to Fedloan in XXXX, a couple weeks before my XXXX due date. The amount of my XXXX bill was incorrect. I had been paying about XXXX a month on revised XXXX, but the loan said I owed XXXX under XXXX. I called Fedloan and told them the amount due was wrong. They agree but blame XXXX for convening the wrong information to them. They told me to submit a request for recertification of my IBR. I did so, but a week later, as the due date wa approaching, the amount was still the same. I called Fedloan again and this time was transferred to a supervisor. They said they would rush the recalculation of my loan payment then put in an override to change the XXXX amount even though the bill had already been issued. They told me to check again in 10 days if the amount had n't changed. Ten days passed and the loan is now past due, the amount has n't changed and I call again. I am asked if I want to forebear, which I do n't want to do because I am doing PSLF and a missed payment sets me back. I am transferred to a supervisor who tells me that there is a note in their system from the first supervisor, but that what she offered to do is not possible. I need to speak to a PSLF supervisor. I am transferred there. That person offers to override the XXXX amount, but says it will take a week or two. I expressed concerns about my credit rating or any penalty for being delinquent and he said there will be no negative effect as long as the issue is resolved before 90 days past due. 
I waited the week he says to wait. My account is now quite past due, which is nerve wracking to see every time I log on to check. I called again and was told to forebear again. I was transferred to a supervisor who said he can not help. I was transferred eventually to a PSLF supervisor ( which I asked for for originally ) and was told yet again that even though there is a note in the system about the issue, that the override request was never actually submitted by the supervisor I spoke with. I was also told that because the loan is more that 15 days past due they can no longer do an override without it taking months. Instead they can forebear my loan, which I refuse to do. Eventually they suggested forebearing just XXXX and doing an override on it, which takes 6 months. In the meantime I can make payments on the other months as they bill, and then when the new XXXX amount is processed I can pay it and it will count as a payment toward PSLF. I agree to this, but the amount due and my delinquent status remains the same. I am now 28 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company will not release escrow payment for repairs on my home. Check was made out to me and the bank, and the bank is refusing to release the funds for no good reason.

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 2016-06-30
Company: AES/PHEAA
State: CO
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 entered XXXX XXXX military service XXXX XXXX, 2013. I am under the Public Service Loan Forgiveness Program. Fed Loan Servicing is claiming I have only made 21/120 required payments within this program. This is incorrect. I have me 32 qualifying payments since being in XXXX XXXX XXXX. Fed Loan continues to ignore multiple emails and inquiries into this miscalculation.

Company response to consumer: Closed with explanation