BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-24
Company: Fay Servicing, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I setup my account for auto draft back in XX/XX/XXXX with Fay Servicing XXXX. This month my account was drafted XXXX payments within 3 days causing my account to go into the negative status of {$690.00}. I contacted the office the first day it occured with the accound manager XXXX when they first opened with no resolution. I called the XXXX day and asked for XXXX manager and spoke with XXXX. who was very rude and said they were working on it and I needed to call the bank and explain to them what happened. Ive asked for the money that was taken from my account at all fees be reimbursed by the end of the day and no one ever called to follow up. Here it is day XXXX with my account still negative and no way for me to receive monetary funds from baking institution to provide for my family. This is the XXXX time this has occured where funds were withdrawn from my account leaving my account in a negative standing. I would like a letter and an apology for the unprofessional customer service in addition to a letter for my financial institution for Fay Servicings error. As of now, no funds have been deposited back in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Credit Systems International, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
credit systems has ruined my credit history, it prevented me from getting approved for home loan due to multiple agencies keep collecting and selling the same debt to other debts collector agencies making it look like i have more debt than i actually do, i already paid what i owe the XXXX $ .XXXX that has sold my original account to multiple agencies collecting the same debt.it stills shows on my credit history and my wife as well even when i paid off my original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Performant Financial Corporation
State: MO
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:
On XXXX XXXX, 2016, I XXXX XXXX made several attempts to reach the account holder of my student loan Performant. After extensively waiting on the phone, I asked to talk with someone about reentering a payment agreement for the 4th time. I was in a plan in XX/XX/XXXX and made the call to make the payment and was informed that XXXX was not accepted nor checking account information, I made several attempts to call back and was never connected nor a call back as received so when I reached communication on XXXX XXXX, 2016, I was told that I need to make a payment of {$5.00} first to get back into the program, I made the payment and did not receive any further iinformation until a packet came on XXXX XXXX, 2016 iluustrating my calls and their attempt to put me into a payment agreement enclosed was a form to fill out for rehabilitation. I wwas pending a communication with your department regarding the issue so finally on XXXX XXXX, 2016 I had a discussion with your department regarding Performants process I was told they are following regulations and nothing can be done, I strongly expressed that they are not following the process and makes it difficult to be reached and make a payment. None the less I hung feeling frustrated and called Performant to try to see if I could work with them, I was connected to a rep ( surprised ) I told her I wanted to enter into a repayment agreement we proceeded with the process at the end she asked for ways to make payments I asked what format she indidcated debit, creidt checking account, I went to give her my checking account information for automatic withdrawals I told her that I talked with someone back in XX/XX/XXXX she clarified XX/XX/XXXX and I was told to make a {$5.00} payment therefore when I do get back into a payment plan the first one is made so why am I making a payment today she said because that payment was just applied to your account so I confirmed so it was a payment I didnt have to make and she agreed, i went on the tell her the communication of what occurred with that rep and once again i was miss informed of information. This company is not trying to help students with their student loans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
American Educational Services has breached the loan agreement ( " Agreement '' ) underlying my account. Since graduation in XXXX, this loan has switched servicers multiple times. It was initially handled by the XXXX XXXX. 
Pursuant to the Agreement, a borrower benefit of a reduction in interest rate, after XXXX on-time payments should be in place. 
In or about XXXX XXXX, AES began servicing this loan, inheriting the account from a prior servicer. In or about XXXX XXXX, I received notification of this change, and a form to initiate automatic payments from my checking account to AES. This seemed strange to me because the loan had always and has always been paid via automatic payments, and AES 's succession as servicer should not have altered my prior ACH agreement and long-time record of on-time payments. Nonetheless, I filled out the AES form and conveyed it to AES immediately upon receipt. 
Despite this conveyance, AES wrongfully stated that my XXXX XXXX payment was not made in a timely fashion. As a result, I was deemed permanently ineligible for my borrower benefit of a reduced interest rate. 
As mentioned, every payment ever made on this account has been made pursuant to automated ACH payment. If AES deemed any payment " late, '' such lateness was due solely to AES 's own negligence, breaches, or other wrongful acts. I did not learn about AES 's wrongful breach until XXXX XXXX, at which point I complained to AES and informed it of the facts of the situation. AES ignored the facts, and sent me a conclusory response denying reinstatement of the benefit without any explanation whatsoever ( response is attached ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-14
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I took out a private student loan in XXXX/XXXX/XXXX. The principal amount was {$26000.00}. I made a few payments and then I made a large principal payment of {$18000.00}. I did n't hear back or receive a payment due notice until XXXX. The phone call said I was past due. This did n't appear on my credit report as being late, or behind. The customer service person said I owed interest and was behind. This was confusing to me, and it did n't make sense. I 've been making payments since XXXX. However, the loan is all interest and nothing is going towards principal. I 've asked for explanations, but they keep telling me I owe interest and the amount keeps rising, although the interest rate has gone down, I 'm still only paying interest and no principal. On top of that they keep telling me they do n't have my social security number even though I have given it several times. I want to know how the interest on this loan got behind. My address and contact information was the same since XXXX until XXXX. My mail was forwarding to my new address since then. Yet they have me paying interest only now for two years. Please advise how to get an explanation about this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: SUNTRUST BANKS, INC.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I send yous a complaint recently about my XXXX mortgage. I have XXXX mortgages I 'm trying to combine both of them together yous wrote back to me about it saying yous got of hold of suntrust mortgage with the loan I 'm with I talk to them and they told me they ca n't combine my XXXX mortgages which I 'm not happy with because when I got the loan they told me I was going to be able to combine and refinance both mortgages and now they say they ca n't and they said they can modified my second mortgage but I need to put 5percent down which I do n't have and plus I 've been having this home for more than 8 years and I have paid more than doubled the price with all this interest they change me I ca n't afford to pay my second mortgage I 'm working less and they do n't seem to care after all this years I 've always been on time and now I ca n't they keep calling me at first I thought they were calling to negotiate because yous have got a hold of them and no they were calling for the late unpaid mortgage and when I did get of hold of someone they said I need 5 percent down if I want to modified my second mortgage which I 'm not very happy with because I 'm tired of paying to much money and to much interest so if yous can please help me I would really appreciate it I do n't know were else to go I do n't have any money only bills and bills and it seems like they are not even trying to help me hope to hear from yous soon

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: SUNTRUST BANKS, INC.
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have an XXXX Equity Line loan with SunTrust Bank. For more than two years now, I have begun to make more than the required payment ( additional payment toward the principal ) every month. SunTrust has been unwilling to provide a statement or history of my payment since I have begun to make the additional payments. I have called several times and requested a balance and payment history other than what was being sent to me monthly of which I believe the balance is incorrect and the extra payments have not been applied appropriately. SunTrust has indicated to me that it is against their policy to release payment history other than what was available online, and what is available online is inaccurate and incorrect. The loan department has refused to send me this record and unwilling to show how my additional payments are being applied. This is quite unfair to consumers not to be able to see or request a payment history. I believe something is wrong with this picture and I am demanding a full payment history of my equity loan account with SunTrust bank. This practice is very common with SunTrust. I have shut all my accounts down with SunTrust because of their lack of transparency and the mistreatment of consumers. The consumer is at the mercy of this bank.

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 2016-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I originally got my mortgage through Countrywide which then became owned by Bank of America. I was downsized for a time during the collapse of XXXX and Bank of America sent me a modification agreement adding excessive fees that put me {$16000.00} backwards on what I owed on my house without a clear explanation and added four years to the length of time my mortgage would be paid. They never even sent anyone to the house to look at it the property, but I know they billed us for that. I would like to know if my original mortgage was legal, if Bank of America has a copy of that note, as well as if a reduction of principle balance is possible because they overcharged me. It also appears that they 're reporting my credit history with XXXX 30 day lates and XXXX 90 day lates in recent months when I have not missed a payment since XXXX. We 've been making biweekly payments since XXXX and it does n't appear that they 've been applying as much money to principle as they should be.

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 2015-07-10
Company: Student Loan Finance Corporation
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Hello. My monthly student loans demand that I pay the entirety of my income to them. I have been working with Student Loan Finance Corporation for eight years and my forbearance has run out and they demand that I pay between XXXX and XXXX dollars a month. I have made it this far but my time has run out. My dad cosigned and is now retired and on social security and there is no help left for me. I make make roughly XXXX dollars a month and now live with my elderly parents to help them XXXX. I have no where to go and no lawyers will touch this problem. I 've literally been told that I have to get XXXX to even consider discharge through bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
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 have been working at a 501 ( c ) 3 nonprofit since XX/XX/XXXX. I was n't sure if I would stay long enough for the Public Service Loan Forgiveness program to work for me. But over the years I submitted my paperwork for employment verification and wanted to at least have the option of utilizing the program if I ever did. I submitted my first employment verification form in XX/XX/XXXX. In XX/XX/XXXX I called FedLoan to talk about my repayment plans. I wanted to find the right one for me. The monthly payments were a concern and I remember being told that the lowest monthly payments were {$540.00} of all the plans and that 's the one I went with. For the past 2 years I 've made those payments. I recently submitted a new employment verification form and noticed that there was a place on my online account for " qualified number of payments '' applied towards my loans for the PLSF program. They all said XXXX. So I called to ask why. I was told that I am in a standard repayment plan and not an eligible repayment plan. But if I wanted to change into an income-driven plan now my payments would go down to {$400.00}. That does n't make any sense. Two years ago when I was looking for the lowest monthly plan my husband 's income has increased. My husband has also taken on student loan debt in that time. The lady at FedLoan that I spoke to today said there are notes on my account from XX/XX/XXXX where the rep I spoke to recommended I go into an income-repayment plan. But the only logical reason I can see for doing that would be if my monthly payments would have been lower than the standard plan. And of course I do n't have a recording of that conversation, but I swear that the {$540.00} was the lowest. The next lowest option was around {$700.00}. I feel that I was mislead by the rep I spoke to in XX/XX/XXXX by quoting the wrong monthly payments that forced me to choose the plan that I 'm in to be able to afford the payments. I asked the rep today that she file a complaint with FedLoan for me and have somebody pull that phone call conversation so we can know for sure what was said. I feel duped. I 've made larger payments than I will be going forward once I move into the Income-based plan and none of it is considered eligible for the PSLF program. 

AND ONE MORE THING. FedLoan Servicing makes it nearly impossible for you to know what repayment plan you 're in! It 's not available anywhere online. Nor on the statements. I had to call to ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have requested on several occasions, both written and by phone communications that I want copies of all student loans procured with XXXX. I requested a complete detailed ownership chain as to who owns these debts, I requested each loan number, assignments of debts and any or all securitization trust these loans reside. To date there are no loan histories that I requested, including the name and serial number ( s ) of each trust there loans reside, or if they are guaranteed by the United States Department of Education, I demand copies of any securities agreement between myself and the Secretary of Education. I aslso requested a consolidation agreement sent to me on all loans. It appears that a number of my loans are duplicated on my credit report, ( See Attached ). Therefore, I need true copy originals of each validated loan transaction and a consolidation agreement to be mailed top me within thirty ( 30 ) days, along with verification of ownership.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-03
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On the XXXX of XXXX I made a payment for {$600.00} to my mortgage company ( SunTrust ). I made that payment using my banks web-site service. On the XXXX I made another payment using the SunTrust ( ST ) web-site. That payment got lost and they claim they never received it. I contacted SunTrust and informed them that I had a tracking number and the money was taken out of my account. ST told me they have not received it and that their web-site takes you to a third party when I make this kind of payment and they have no control over it. I was also told to fax my account statement to prove my complaint. After getting no where I was able to talk to management and I was told my second payment was mailed instead of being sent e-pay by third party which provides this service for ST. She told me that she would waive the late payment and she was sorry. On XXXX XXXX, received an email stating next payment due for XXXX 2016 is {$1100.00} so I assumed the problem was corrected. On XXXX XXXX, 2016 I received another e-mail that a payment of {$2300.00} is due now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From XXXX all times of day into evening, going on for months, did not leave messages till this week. Said they are national enterprise a debt collector. You must call back etc. We do not owe anyone. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: AES/PHEAA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I took out a student loan with XXXX while studying in XXXX. The debt was sold to American Education Services, which is supposedly run by the government of Pennsylvania. The company contacts me incessantly about paying my student loans, which I do pay in the full amount every month. They are very frustrating because their website does not work and they do not send out paper statements about the details of the loan. They only send an email reminding me to pay, but no other details. Since I can not use their website to pay I have to pay through my bank. Recently they have increased my monthly payment but I have no idea by how much. You should see the complaints about this company, just look at the website XXXX and look for the company. I would like to pay off the loan in full and transfer the debt to XXXX where I now live, but I am afraid that I wo n't even be able to do so since there is no paper trail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My parents took out private student loans with the now defunct XXXX XXXX XXXX back in 2006 with me as the primary account holder. At the time, the financial crisis was wreaking havoc on our lives and we were forced to take out loans with who ever would offer them in order for me to finish college. After I graduated, the company went bankrupt then split and sold off its loans to other holding companies. These companies either did not reach out to me, or reached out to me at old addresses. 

The splits and buy outs meant that I now had many more loans with many more companies. Having an unknown number of companies to find and contact about what debt I had with them made it very difficult to get my finances in order. As such, XXXX of my loans fell through the cracks and ended up with very large late fee and interest build ups as I did n't even know they existed. 

Since finding that I have these outstanding loans, I have done all I can to come into good standing with them via some type of rehabilitation program. XXXX company, AES, currently would like me to pay an outstanding $ 16,000+ before they will allow me to begin paying the loan amount of {$31000.00} + interest. They will not take any type of negotiation and at this point have assured me that I will be unable to make any progress with them unless the {$16000.00} is paid in full. As you can imagine, this is simply impossible for me. 

I am not looking for someone to step in and erase my debt. I knowingly took on the original loan, and I intend to pay for it as I should. I am however, looking for a way to be seen as something other than a dead beat for attending college. I went to school and worked as hard as I could to be successful in my field. Since graduating I have done just that, but have been treated like some kind of criminal due to these marks on my credit report. 

Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Credit Karma, LLC
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trying to buy a car so they turned me down because someone has me down as a cosigner through XXXX and they made a payment on the vehicle last month. I know nothing about it.So I 'm trying to find out who 's name is on the vehicle so I can stop it.And I ca n't check my credit score on credit Karma, forgotten my password so I can check and log out.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation