davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AZ)

A few years ago, I was trying to remove my co-signer from my current loans. The individual was working towards building a home and I wanted the process of obtaining a mortgage to go smoother for them. I contacted my loan provider to look into the process. I was told that 2 consecutive years of on time payments were the only requirement for having a co signer removed. I have more than 2 years of solid on time payments and was emailed the proper request form to have my co-signer removed. Shortly after turning in the completed request form, I received an email denying my request for co-signer removal. When I called and questioned why I was denied, the reason I was given was " due to my particular type of loan, I can never have my co-signer removed. '' I requested more information from the company in regards to " my type of loan, '' but never received any additional information. I 've had other issues towards the beginning of my loan repayment with trying to go on income based repayment plans, lowering apr %, or just findind a way to lower my monthly payments entirely. 12+ % has crippled my ability to repay at the high monthly payments. I have been paying this loan off for over 9 years and have barely made it to the half way point. The only option that was given to me was deferment. I 'm concerned that the company is refusing to work with me on my loans due to my issues of obtaining a co-signer when I was initially signed up. I was XXXX at the time and my parents were not accepted as a co-signer. My current co-signer was also initially rejected. Overall, I 'd like an explanation as to why I am so gridlocked with this loan and why information is not being provided to me in an accurate manner.
Consumer complaint received 2016-11-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IN)

I enrolled at the University XXXX XXXX and was told XXXX credit hour classes would cost {$700.00} and that I would have good career prospects in XXXX XXXX at the end. As I got further in my degree, the price per class went up to {$1500.00}. I was too far in to transfer schools as I would have had to repeat several classes. I ended up graduating but unable to find a job in my field. I repeated my whole degree in the same field at a difference school ( XXXX of XXXX ) and then was able to find a job with that degree.
Consumer complaint received 2016-04-20
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (TX)

I have a closed account showing on my credit report in the amount of {$2600.00}. I have disputed collection with the so called creditor XXXX XXXX Online. They are alleging that I owe a balance to them when all of my schooling was handled by FAFSA and pell grants. Soon after disputing the account, I got a letter from General Revenue Corporation ( GRC ) demanding payment, so I called this company asking why I needed to pay them and if they would send me a copy of the contract they were attempting to collect on. I spoke to a XXXX XXXX an agent who was very professional and she agreed and stated that I did n't owe GRC anything. She then transferred me to XXXX XXXX who was a manager that was very rude and unprofessional, interested only on collecting and not verifying the debt or resolving the matter. I also asked her if she could send me a copy of the contract that she stated that she had, but she refused. I recorded the call as she asked me for personal information numerous times attempting to build on what little information they have besides my name. I declined just as she did when I was requesting the contract, in lieu of my identity being stolen by someone posing to be a legitimate company, providing suspicious documents that anyone could type up with no letterhead and no original signatures. XXXX XXXX informed me that the information she had was all she needed in order to collect on the debt, even though nowhere on the ( suspicious ) XXXX page contract do I give XXXX the consent to share my information with any third party company. The call ended when I asked her one last question about why they sent me XXXX page of the contract, and not the entire agreement that was signed with the so called original creditor XXXX. She ended up hanging up on me stating that she would put me in her system as a refusal to pay. Please help me gather legitimate documentation from the original party pursuing the debt, with support showing they loaned me funds.
Consumer complaint received 2016-08-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I am extremely upset because my bank Ditech refuses to provide me my modification contract. I made all 3 trial payments on time from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I also made a extra one for XXXX. However when I call Ditech to ask about my modification contract they just keep telling me that my modification is on its way but yet, I have not received anything and they are just prolonging my modification contract. I am about to make a 5th trial payment for XX/XX/XXXX. This is not acceptable I got in writing my trials by Ditech and I completed my part and get my modification contract.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OH)

Due to some kind of technical error, which Navient was never able to explain to me, I was charged double every month in auto payments for a period of 5 months, adding up to thousands of dollars being overpaid before I realized what was happening. Upon calling them, the agent I spoke with seemed very caught off guard that this would have happened and was very apologetic. She looked into it and agreed for whatever reason they were auto deducting twice for the same payments every month. She spoke with her supervisor and assured me I would be refunded all the money that was overpaid. A month went by when I realized I had never been refunded anything. I spent hours on the phone before someone was actually able to help me, at which point a very nasty lady informed me that it was my fault this happened, and had she been the one to talk to me she never would have promised to refund the money. She refused to refund me a dime, money that should have never even been paid to them in the first place, was never owed to them but taken due to some kind of technical glitch, and that they had already promised me, over a recorded phone call none the less.
Consumer complaint received 2015-04-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (KS)

There was some wrong billing statement generated from XXXX for the phone which I returned within 7 days. I was told that the XXXX account balance was XXXX at XXXX but XXXX generated statement for next XXXX months which I solved with XXXX in XXXX. I called with the debit collection agency in XXXX for zero balance which they verified over phone.But then the collection agency has sent false statement to the credit reporting agency in XXXX with some invalid amount
Consumer complaint received 2015-04-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: TRANSWORLD SYSTEMS INC (CT)

I had a hard paying my private student loan. Now a law firm is suing me. I hired a lawyer to help me. He has been trying to contact the firm to negotiate but they are not responding. Today I received a new summons about the same loan from another firm. I would like to settle this loan and stop wasting money on the lawyer when that money could be going towards the loan.
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Epn, Inc. (HI)

XXXX Gym continued to bill me after I cancelled my membership. I joined this gym end of XX/XX/XXXX. Froze my account XX/XX/XXXX, cancelled membership XX/XX/XXXX. XX/XX/XXXX I see a charge from the gym again. I called the XXXX XXXX manager, who said he 'd cleared my account and that I should call his gym 's headquarters, XXXX that handles billing for him. I called XXXX, the rep. also told me that my account is cleared with them. This was back in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I received a letter from the collection agency stating I owe XXXX Gym {$51.00}. I ca n't call the gym, as it 's closed now. So I called XXXX, now they tell me they tried calling me in XX/XX/XXXX about the charges, that even though membership is cancelled they charge XXXX more month of dues ( XXXX ) and an additional return fee of {$25.00} XXXX I had disputed the XX/XX/XXXX charge with my credit card ). I wish XXXX told me about the XXXX more month charge when I spoke with them in XX/XX/XXXX Also nothing about XXXX more month payment was when I was signing up with XXXX Gym. These deceitful practices must stop!
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SS # ENDING IN XXXX
Consumer complaint received 2015-04-21
Product: Debt collection — Auto
Issue: Communication tactics — Called outside of 8am-9pm
Company: Vital Solutions, Inc. (HI)

Vital Recovery had contacted me several weeks ago, outside the hours of XXXX and XXXX. At that time I advised them that although I have an XXXX phone number I actually live in Hawaii. I advised and confirmed with them my physical address, and advised them that I do not wish to receive calls outside the XXXX to XXXX window. Today XXXX/XXXX/2015 I received a phone call from them at XXXX XXXX XXXX Time.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (OK)

I am applying for a loan to buy a new house and my loan officer reported to me that there is a delinquent charges more than 30 days on XX/XX/2016 and 60 days on XX/XX/2016 for some credit card ending in XXXX that is issued by CBNA and he gave me a phone number XXXX, which I have called and stayed with them for at least 30 mns and they could not find any credit cards that was issued to me using both my name or my SSN or even my phones so they switched me to fraud department which could not find anything either and then I talked to few supervisor in CitiBank who could not help me at all, I do not have any cards and i never had any cards that ended in XXXX, I need help please, my home loan is depenedent on this ... the phone number that was listed on the consumer credit report was
Consumer complaint received 2017-01-10
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Neon Newco Corporation (CA)

On XX/XX/XXXX my Paypal Prepaid card stop being able to transfer funds from my paypal to my prepaid card, it just says it is unable to complete the transaction, And today XX/XX/XXXX it is still in that same mode and getting the same error.
Consumer complaint received 2016-12-05
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (MS)

I purchased a card on XXXX/XXXX/15 at XXXX 's XXXX in XXXX, XXXX . I was charged a {$4.00} fee for the card. I called to activate the card shortly after the purchase. I was charged an additional {$4.00} monthly service fee for the card. I was confused as to why I was being assessed {$9.00} for a card that I have not charged anything to for my benefit. This is an egregious charge that has been assessed to me. I requested a refund of my money which will take 10 business days. As a consumer, I do not understand how they can justify 2 charges for the same service.
Consumer complaint received 2016-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MN)

I wish to submit a complaint on behalf of myself and my wife. We currently pay a combined {$650.00} to Fedloan servicing for Federal Student Loans on the Income Based Repayment ( IBR ) plan. We recently learned that we are eligible to reduce our monthly payment by about a third, saving us {$210.00} per month by switching to the new Revised Pay As You Earn plan ( REPAYE ) that was implemented recently. We are both public servants trying to raise a family and provide the best life possible for our child. This {$210.00} per month we could be saving would go a long way to helping that. We both submitted requests to switch to the new REPAYE plan in XX/XX/XXXX. Together we have tried numerous times to contact Fedloan servicing through email and phone. On average they respond to only XXXX out of XXXX emails. The employees on their phone lines do not have clear ideas on when the request will be processed or when the new payment amounts would take effect. We have already made 2 payments since our requests were submitted, and the XXXX email I received back said they have n't processed the request yet and it could take 1-2 billing cycles after it is approved for the new payments to take effect. So by the time it 's all said and done, they may literally be costing us XXXX of dollars depending on their processing speed.
Consumer complaint received 2016-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (MA)

I had submitted a complaint a couple of weeks ago about SunTrust Mortgage, that pertained to misapplication of mortgage payments. This is a second type of complaint. I received a letter over this past weekend, dated XXXX XXXX, XXXX, informing me that my mortgage payment for XXXX was short by {$44.00}. It states that my mortgage payment is {$1300.00}. This was not true for the XXXX payment. Because of a need to increase the amount in my escrow, SunTrust had notified me that EFFECTIVE XXXX XXXX, XXXX, my mortgage payments would increase from {$1200.00} to {$1300.00}. I paid my XXXX payment of {$1200.00} ( that was misapplied to principle and this information appears in my previous complaint ) and paid my XXXX payment of {$1300.00}. In addition, I was informed that SunTrust has taken {$44.00} out of my escrow to cover the " XXXX shortage. '' So, now my escrow account is affected. I can not imagine that I have had so many issues regarding my XXXX account within the past couple of weeks. I have owned homes since XXXX in XXXX different states and have never encountered issues with my mortgage payments. I would like to know how SunTrust calculates anything pertaining to Finance. How can they even be in existence as a financial organization?
Consumer complaint received 2017-02-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C. (MN)

XX/XX/XXXX, I entered an agreement with Gurstel Ghargo, PA in Minnesota following a stipulation and Confession of Judgement dated XX/XX/XXXX. I was supposed to make XXXX payments total of XXXX each and I made the payments religiously until the last two payments when the creditors contacted us to say that they have severed relationship with Gurstel Chargo and we should send subsequent payments to another collection agency, XXXX XXXX XXXX. They gave us the new information. I completed the remaining two payments with XXXX XXXX XXXX XX/XX/XXXX. To my greatest dismay, Gurstel Ghargo filed a judgement again me in XXXX County District Court on XX/XX/XXXX, claiming that I did not complete payment. I immediately responded with evidence of having paid the account in full, which I sent via certified mail. They received it because I received confirmation to that effect. Not hearing from them after sending the documents, I followed with several phone calls that they never returned. Now the judgement is still effective and all attempts to reach Gurstel Chargo to withdraw the judgement have failed. It may interest you to know also that whenever I called and gave them the last XXXX digits of my social, another person 's name pops up. At one time, they said that the account did not exist and transferred me to a voice message that never got back to me. 

I have had several problems with this agency. When XXXX XXXX XXXX severed relationship with them, I was told that it was due to some inappropriate business practices. I also feel that they are trying to stick someone else 's debt on me but it backfired due to their negligence and lack of organization. It may also very well be a malicious act on their part. 

What is even more upsetting is that they file frivolous lawsuits to get people to succumb due to lack of representation or resources. They also never send any notice of any filing or notice of summon, and just surprise people with a judgement against them. They have tried to remove funds from my account at one time, claiming that my husband owed them and that too backfired, because they could not prove that my husband was on the account, and they tried as much as possible to transfer whatever they are claiming he owes them to me. This is a constant harassment from this agency and I crave your indulgence in this matter. I need justice! Thank you.
Consumer complaint received 2015-05-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: APPLE RECOVERY, LLC (CA)

I was given this phone number by the phone compant last XX/XX/XXXX. I have been plagued by debt collectors calling,, asking for every XXXX male name in the book. It is unknown if they are all the same collectors, but they ask for a different name each time if I answer the phone. The month of XXXX XXXX, I was gone to XXXX for one month. I run a business on my phone so phone messages are important. Every business day for about 3 weeks the same debt collector at the same number had a machine, call my number, while I was gone and left an unclear message, missing all but the last half of a sentance, but no identification,, etc. I searched that number using caller id on the internet and found that they were debt collectors, then. But, being out of the country I could n't them, and why should I? But, I was worried, just in case I had a problem with a debt that i didn ; t know about. Those people filled my voice mail with their calls. I have XXXX digital phone so I have the computer record. Howverr it was not working well while I was gone, which further made this difficult and worrisome. I did not know what I might have missed, How is it that a debt collector, even if the debt were mine, can do this, with their autodialer machine, harrass me, and never identify themselves or explain the reason for the call??? I returned from my trip last night XXXX XXXX, XXXX. First thing this morning i called that number. The man I talked to is in Arizona. He sounded XXXX. and he is a debt collection agency but would not admit it at first because I refused to give him my name. When I told him that I knew who they are, in fact that he is Apple recovery, he admitted it but simply said I 'm am sorry. This mess caused me time, and grief. if I could I would sue them. In any case, they should be fined for unethical behavior. He admitted, finally, when I gave my first name, that they were not looking for me. or anyone I know, but someone gave them this number. This has got to stop! By the way, I have perfect credit. if someone messes with my good credit I will fight tooth and nail to defend it. I had to do a short sale 3 years ago and I am very protective of my credit.So,, this is very distressing to have this while I am in XXXX and can do nothing about it.
Consumer complaint received 2016-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (ME)

I graduated from pharmacy school in 2004 before the new Obama plan went into effect. I immediately consolidated my loans ( fed and private ) with American Education Services and have paid between $ XXXX for the last 12 years. I never got any notification from the about the new plan that if I re-consolidated through direct loanI could have a different payback plan including having my loans forgiven after 10 years of working for a non-profit. I have worked at a non-profit hospital for the last 8 years. When I confronted AES about this they said there was nothing they could do for me. They said " it was all over the news ''. I asked why they did n't send out notifications to their customers years ago that this would be in their benefit. Their answer was what I previously stated. I have spend countless hours on the phone with studentloan.gov people getting nowhere. I find this very unfair that I will pay back 3 times what my initial loans were with interest and then also " pay '' for all the forgiven loans that this new federal program loan program offers through my taxes. I still have 18 years left of my loans and would almost be done if AES had been a decent business and helped their customers years back. The person who answered the phone actually told me I could n't have consolidated through them because the only company that would is Direct Loan. I said I have been paying you for the last 12 years so that is false. I feel owed something by them by missing out on this amazing federal program. I have paid them more than my original loans were at least twice and still owe 18 years of payments. THis is fraud.