BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-03
Company: AES/PHEAA
State: OH
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:
Since XX/XX/XXXX, American Education Services has increased the interest of my student loans. Account number in reference is XXXX. Please see below. 
LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.180 % XX/XX/XXXX LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.200 % XX/XX/XXXX LOAN INFORMATION Loan Program Current Owner Disbursement Date Interest Rate Interest RateEffective Date PEPLN NCT XX/XX/XXXX 5.250 % XX/XX/XXXX There is no specifics as why the increase in rates for 3 consecutive times within a year. I would like to investigate and find a resolution. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am writing this letter to request an account review for my student loans serviced by American Education Services due to my current situation. This is my last and final request. I have met with a bankruptcy attorney regarding these loans, and I was informed that I do qualify for a hardship exception based on my XXXX and limited XXXX income. I am prepared to file for bankruptcy XX/XX/2016 if National Collegiate Trust does not move forward and make an exception and forgive these loans due to my XXXX. I understand these loans do not have a forgiveness option. I did have other student loans with other companies which did not have a forgiveness option, and they chose to make an exception and forgive my loans anyway due to the severity of my XXXX and I am aware that National Collegiate Trust also has the discretion to do this. I have been XXXX for over 4 years and there is no cure for my life-threatening disease. I will have this disabling condition the rest of my life and will not be able to return to work and it will eventually result in my early death. 

Please seriously consider my request for loan forgiveness. Please feel free to contact me with any questions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: MIDFIRST BANK
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had some trouble paying my Midland Mortgage VA loan. After many months Midland agreed to modify my loan in 2011. Every payment I made to Midland after the modification was reported late to the credit bureaus. Midland reported my loan on time only after I completed the modification. There was no language in the modification contract regarding the loan being reported late even if the payments were made on time. Because of this my credit record is destroyed and I ca n't refinance to a lower rate. Midland will not help regarding this matter.

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 2017-01-17
Company: AES/PHEAA
State: DC
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:
I submitted a request for an income-based repayment plan on XX/XX/2016. On XX/XX/2016, I received a letter from FedLoan Servicing stating, " We reviewed your Income-Driven Repayment ( IDR ) plan form and denied your request for the following reasons. 
NOT ELIGIBLE YET : You provided conflicting information in Section XXXX on the form you submitted. The easiest way to reapply is online at StudentLoans.gov. If you prefer, complete and return the enclosed form with all required documents. '' I reviewed my application several times and could not find the " conflicting information '' referenced in the letter. Thus, I called FedLoan Servicing on XX/XX/XXXX to gain additional information about the reason ( s ) for my rejection. I was told that the customer service representative could not view my application since it was submitted electronically. In order for me to find out the reason for my denial, she would have to submit a request for an investigation, which would take 7-10 business days. After 10 business days passed, I called again to inquire about the reason ( s ) for my denial. Again, I was told that the customer service representative did not have that information. Another " expedited '' request for review submitted. More than 10 business days have passed since the second request, and I have yet to hear the reason for my denial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2021 I was scammed by a fraudster to the tune of {$1900.00}. I sent money to them through XXXX XXXX/XXXX. As soon as I got off the phone I realized I had been scammed and called Chase in an attempt to try to stop the transfer or to get the money back. Chase refused to do anything, including going back to the other bank in an attempt to recover the funds. I understand that those attempts are not a guarantee, however, since the transfer had literally just gone out there would have been a chance. It was very frustrating that no one would help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I went used the link on the consumer finance website for the annual free credit report. I filled out all the required information and choose the XXXX reports I wanted. Once I submitted this information I was taken to a XXXX page which makes me sign up for a credit monitoring services and gives me no option to opt out of this. I thought these credit bureaus were not supposed to do that?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: ALLY FINANCIAL INC.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
A car dealership took my XXXX on trade and sold me a XXXX at XXXX {$31000.00} I did not qualify for the loan because I did n't have the income. The car salesman falsified income documentation and put down that I had military retirement income of {$1500.00}. per month, when in fact, I was never in the military. 
and my only income is {$920.00}. / month XXXX income. I bought the car in XXXX XXXX, but I live across the river in XXXX, so they did not tag & title the car. 
I ca n't afford the {$650.00}. to register the vehicle. I never should have been put this car. 
It bothered me that I bought it ... .I 'm typing this complaint on my neighbors computer because he insisted I contact you about this, because he feels they most definatly committed a fraud and do n't care about sticking me with this vehicle, only thatI keep it long enough where they would not have to buy it back from the lender, which is exactly what should happen because I 'm XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I am in the process of a dead in lieu for a property with XXXX mortgage lenders listed on it. I was told by the XXXX Lender XXXX XXXX XXXX they will take care of notifying the XXXX mortgage ( Suntrust ) on the dead in lieu. 
XXXX sent me a letter requesting for authorization from Suntrust. 
I called Suntrust and was told they have never heard of this arrangement and was put on hold many times because they did not exactly what a dead in lieu is and the procedure for it. I kept being asked to make a payment, which I can not do since I do n't have the funds to do so. Suntrust is very uneducated in their products and procedures when a customer calls them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Bank of America did not properly re-evaluate my loan modification. They did not take into consideration the new payment tripling my loan amount. In addition, they did take into account recent developments, such as XXXX renters downs, as well as other mostly payments not listed. 

They continually change personnel to assist me, making XXXX attempt then never hearing from them again. 

The CFPB is NOT holding this bank responsible for their actions. 

Bank of America has over XXXX public complaints in recent time. Allowing this bank to continue in this matter makes one wonder what is the purpose of the CFPB. 
XXXX I will begin letters regarding bank of America and the CFPB to media outlets.

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 2016-03-28
Company: SUNTRUST BANKS, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
My name is XXXX XXXX on XXXX XXXX 2016 I was pre qualified for the home I wanted to buy in XXXX XXXX by suntrust mortgage loan number XXXX. My credit score is over XXXX I have been workin for the same company for 8 years and I have money in the bank. After an enduring process of all these unheard of stipulations they had me doing which went on for more than 2 months harassing my boss constantly on the phone and getting him to write letters, as if i havent been working and paying my taxes, Also including work on the house before I owned it telling me i was conditionally approved if I fixed certain things, I had to get a licensed contractor, a licensed ac guy, and a licenced electrician which cost a pretty penny I met all there demands. I feel these people from suntrust were biast towards me because I 'm from XXXX they were n't acknowledging me throughout this process constantly ignoring me and my phone calls not being helpful with the loan process which we know can be a hassle actually making it more difficult for me because it 's my first home. I 'm an American from a XXXX backround my father was a XXXX XXXX and retired one in the great city of XXXX they treated me like I was n't raised XXXX yrs in this great free country we call the United states, My closing date was XXXX XXXX that week the lender wasnt ready with the paperwork instead of giving reasoning to why they were n't going to make the closing or to get in contact with the seller or title Co to extend my closing which was XXXX XXXX, At XXXX XXXX on XXXX XXXX they called me on the phone and verbally declined me, no email nothing written on paper stating why they declined my loan which the law requires to be done. I felt they were XXXX and biast towards me because there is no reason to deny me the loan I meet all the necessary credentials. All I want is to live the American dream and buy my first house a place I can settle down and eventually raise a family. Thank you for your time XXXX XXXX

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 2016-12-30
Company: National Enterprise Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A representative named XXXX XXXX from 'National Enterprise System ' continues to reach my main business line XXXX and my cell phone line XXXX. He continues to attempt to reach my ex husband which use to work in my business, But no longer does. 

He continues to harass my employees by interrupting them and blocking the only line I have open for my customers. He calls everyday with the same request after he was told several times that the person who he is trying to reach does not longer work there. 
He continues to make false statements regarding the ownership of the business and false accusations about the person he is trying to contact. 

Lastly, I am not the person who he is trying to reach and he is affecting my business dynamic by interrupting the work flow of a regular day. 

His name is XXXX from 'National Enterprise System ' his number is XXXX Ext- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: AES/PHEAA
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
1. received email from us dept of education on XXXX/XXXX/16 regarding a loan forgiveness program. 
2. filled out the form and mailed it. 
3. received XXXX servicing bill for loan payment. sent out payment by mail, because online the account has been closed by fedloan without my knowledge. I did n't get anything in the mail that they had approved my application. 
4. sent out payment to fedloan address with XXXX invoice stub so that they can apply the payment, since I did not get a bill from fedloan and I could not set up an online account with them because they were still processing everything. 
5. payment processed on XXXX/XXXX/16 and XXXX/XXXX/16 for the same amount. 
6. XXXX/XXXX/16 received email from fedloan welcoming me and suggesting that i set up an online account. 
7. XXXX/XXXX/16 set up an online account with fedloan.org 8. online account states that i am past due and my loans are deliquent, which is incorrect. made a third payment for the same billing cycle online under fedloan. emailed with their online email that i paid already and that this is the third payment for the same cycle and their website says i am past due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-10
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 have been trying to get my loans on an income driven plan. I have FedLoan Servicing. They are a horrible student loan servicing company. I was particularly interested in the REPAYE plan. I was told that my old loans and my new loans would get on this plan. 
I tried before and they stated that I have to make one " standard ' '' payment before I can go on the plan. 
They never notified when the payment was due and I missed the payment. 
I tried again. This time I was told the standard payment would be due " in XXXX ''. I never got a notice but I saw my payments were due XXXX XXXX. I paid them XXXX XXXX. I sent an email confirming that and stating I should then qualify for reduced payment. They responded with a rejection letter. I have no idea why. The letter claims I was 15 days late. Its the XXXX of the month I do n't know how that is possible! 
I believe they want folks to go into forbearance so that the debt increases. 
Please SHUT THEM DOWN! 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I had a loan with National City Bank and subsequently learned that National City Bank had been sanctioned by the DOJ and CFPB for unfair discrimination against XXXX/Americans and XXXX. National City Bank was supposed to make payment on this class action law suit during the first part of this year. They have not paid and offer no date as to when they will pay or any substantial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I receive a collection request from XXXX XXXX for National Collegiate Student Loan for the amount of {$15000.00}. I got a loan back in XXXX with XXXX XXXX XXXX for school not with the National Collegiate Student Trust. I was paying them through American Education Services but they were called something else before that and I ca n't remember that name but it originated with XXXX XXXX XXXX, they changed names several times. I was able to get my Bank which is XXXX XXXX XXXX to pull my payment history for AES but we were n't able to pull payment history for the other name ( before AES ) because XXXX XXXX XXXX can only go back as far as XXXX ( I have attached these payments ). I have been paying on it since XXXX and the loan never moved. I have never been late on a payment, so technically the loan should be paid in full by now. I did n't stop paying on the loan until I filed for bankruptcy. The National Collegiate Student Loan never appeared for the bankruptcy hearing to dispute discharging the loan. Now all of sudden my credit is being hit and I 'm sent to the collection agency for full payment of the loan. I tried in the past working something out with them but they would n't work with me they said I did n't have any deferments. I had twins which lead to me having to file bankruptcy because I was doing it all by myself. I ca n't afford this loan and I feel like they have and are still trying to rip me off. After my bankruptcy the federal government student loan worked out an affordable plan with me and has also forgiven a large portion of my student loan and they have been very helpful. However, the private student loan that is n't federally backed is very difficult and is trying to make me pay a loan for the rest of my life that has technically already been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: AES/PHEAA
State: GA
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 was approved under the General Forbearance XX/XX/2016-XX/XX/2016. Although I have documentation supporting the facts from the service provider ( Fed Loan Servicing ) of the approval they are reporting me late for XX/XX/XXXX, and XX/XX/2016. XXXX, and XXXX updated my credit report manually since I provided the documentation and filed a consumer dispute. however each month Fed Loan Servicing is repeatedly reporting the late payments which in return has caused my credit score to suffer tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I attended XXXX until 2014, at which point, I graduated with my XXXX, I considered continuing with my XXXX however I did not have the time to complete the courses. So When XXXX closed, I looked into the options I had regarding loan forgiveness. I contacted one agency that stated it could get my loan forgiven for XXXX dollars to keep my credentials, and XXXX dollars to remove all the credits as well as the loan, I suspected this was a scam so I contacted the dept. of education. I was directed to the XXXX Higher Education, where I was given a link to fill out a form to be submitted. As I understood the options, there was XXXX option regarding the fraud that was part of XXXX closure, as well as of for XXXX closing within one year of my graduation, and there were different options I could take, though no one really seemed to know what I should do. I printed the sheet and sent it in, hearing nothing back directly. When months went by, I found myself still not working a job within my degree field, as well as in need of car. Checking my credit report showed that I had Federal Loan payments that I had missed, destroying my credit and driving me further in debt, despite the fact that I had selected the loan deferral option on the paperwork I sent in. Calling the XXXX Higher education got me no where, telling me to call my loan servicer. My loan servicer said they had not received that paperwork, so would not honor it. I then searched out the paperwork I was to fill out for them specifically, and in the meantime decided I wanted to go to school for a separate degree, as the first had gotten me no where. Without a Job in my degree field, I thought XXXX XXXX would provide me the opportunities and salary options that I could make a career out of, and be able to afford to pay off future debts. I applied to a XXXX college, who requested my transcripts from XXXX I provided them and attempted to start my next steps in Education. I feel like I may have rushed myself, having just stared a new full time job ( Still not in my degree field ) I dropped the courses within 10 days of the start of term. Some month or 2 later, I received a letter from my loan servicer stating that I had transferred my credits to a different school, and unless I had a letter from the school stating that I was not using those credits, they would not forgive my loan. I looked into having the XXXX college remove those credits from my transcript, being more than willing to take the courses over, however they suggest I make a complaint to the CFPB regarding this matter before considering my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took a private loan out during my undergraduate courses. The original loan was for approximately {$12000.00}. The original loan was taken XX/XX/XXXX and I started to make payments XX/XX/XXXX. As of this date I am still at {$16000.00}. This does not make any sense to me as I have made consistent payments since that time. Additionally, I made a payment for my monthly bill before the auto deduction occurs due to moving and wanting to ensure that my payment was made. They still took out the auto deduction causing me to overdraw my bank account and receiving additional NSF charges. I would like for your agency to look into their practices as I really can not explain why I am still no closer to paying off this loan than I was XX/XX/XXXX. AES Account # : XXXX

Company response to consumer: Closed with explanation