davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (CA)

For two months now I have been dealing with LenderLive lying to me about my taxes on my property and even before that they have lied to me. When I was refinancing they told me they would not add any money onto my refinance and after I had signed the papers they added {$7000.00} to my loan! But back to the taxes. XX/XX/XXXX a represenative and I talked and they told me to avoid my monthly payments going up I would need to pay {$1800.00} into my escrow. So I did, but then my payments still went from XXXX to XXXX a month even after paying them. I call them multiple times and the representative tells me they will survey the account to lower the payments but on a final call turns out the taxes had gone up on the property so it would never really go down. Well I get a letter in the mail today on XXXX XXXX, 2016 saying the estimated taxes instead of being the original XXXX they raised it to it would be lowered to XXXX as of XXXX XXXX, 2016. But once again another good old trick from lenderlive! I look on their website to verify and according to their website as of XXXX XXXX, 2016 my payment will be going up for my taxes to XXXX a month. All of this does n't sound right to me, I feel like I am getting scammed.
Consumer complaint received 2016-05-16
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (CA)

I graduated top of my class from the XXXX, XXXX XXXX XXXX XXXX, XXXX, 2012. I heard recently about the lawsuit against XXXX under Predatory loan coercion.from CFPB. The XXXX XXXX has been shut down. Even though they promised job placement in XXXX, I never received it through them. I 'm having a hard time making my loan payments because I do n't have a full-time XXXX job. I did get a delay in my XXXX payments, but now they are charging me more interest for this delay.which they did not stipulate I still owe over {$9000.00}. in loans through XXXX and XXXX loan programs. I started out owing over {$18000.00}. to XXXX so I have been earnest in in my responsibility to pay this debt. 
Is there anyway I can receive loan forgiveness or reduction from this lawsuit? I would like to know my options for a XXXX Discharge for XXXX misrepresentation of their job placement promises. 
Thank you, XXXX XXXX
Consumer complaint received 2016-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MD)

I decided to switch income-based repayment plans after consolidating my loans, as the new REPAYE plan would mean a lower payment. My student loans are from XXXX - XXXX University - and XXXX - University XXXX XXXX XXXX. The application asks if the borrower 's loans are in forbearance, and I answered " no. '' This is because, when I applied, my loans were not in forbearance. 
As part of the application to switch income-based repayment plans, however, borrowers may request a one-month forbearance. The reason is that borrowers in an income-based repayment plan must be in standard repayment for at least one month before switching plans, and they may not be able to afford a standard repayment plan payment for that one month. 
I requested the one-month special forbearance. 
FedLoan Servicing, my loan servicer, denied my request for a new repayment plan because I answered " no. '' They approved my special forbearance first, and then because my loans were in forbearance when they processed the new income-based repayment application, they denied the request for answering wrong on that question. 
When I called, the customer service specialist said this was a common issue, and I had to submit a new application answering " yes '' on that question. 
I think this is misleading and unfair to borrowers. When they answer the question, they are answering correctly when they say " no, '' as the loans are not in forbearance at that time. To deny for that reason alone, automatically, and to force reapplication is unduly burdensome.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TN)

EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with g.a.a.p, I.f.r.s. in accordance with basel XXXX accord and u.n.c.i.t.r.a.l. conventions. I also asked them to present these documents from the folowing vendors/creditors : XXXX XXXX acct-XXXX, Tax Lien acct-XXXX.
Consumer complaint received 2016-11-17
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC. (AR)

We got behind on our car note due to a illness of the money maker in the family. Our car notes are financed thru ally financial. They call 4-5 times a day while we are work. Have instructed them on multi occasions that I 'm aware that we are 21 days behind, to quit calling and I 'm attempting to catch them ASAP. They continue to call.
Consumer complaint received 2017-03-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

Equifax makes you unable to access dispute information to even see if it was filed. I was able to get a correction for collections on my report removed from both other agencies but equifax phone support transfers you over to people in the XXXX/outsourced, where they do n't resolve, have no knowledge of, and try to sell you a service to basically get it deleted, maybe.
Consumer complaint received 2015-10-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (OH)

us bank is saying I started a bill pay against my will which I did not submit to be paid XXXX/XXXX/2015 to collect fees so on the XXXX/XXXX/2015 XXXX did reverse the fees an show me how to delete the information so it did not happen again so on XX/XX/XXXX the fees were put on my account again XXXX per item total XXXX so XXXX claim the fees would be refunded back to my account by XXXX so she walk me through my account to stop the pop up from appearing on my screen say the pop up is put there to be annoy me an cause it kept asking me to finish the bill pay so I did not now later so XXXX walk me through internet option to delete the pop up from appearing an the fee will be refunded back to my account by XXXX so XXXX I call back an the fee of XXXX is still on my account I talk to XXXX he inform me that he was refunding me the fees in a half an hour an I can check back about XXXX to see the fees had been refunded to my account so I call about XXXX I talk to XXXX who set me to talk to a lady name XXXX who then stated she was not refunding me any fees an gave a address to file a complaint us bank 24 hour banking management XXXX XXXX XXXX XXXX mn XXXX at first the bank is claiming the checks were mailed on XXXX I said can I have a copy of the receipt paying for postage they told me no so I talk to XXXX an XXXX said the check was sent out on XX/XX/XXXX so that is when he refunded the fees first fees back on XX/XX/XXXX an show me how to delete the information so it did not happen again but the bank is charging me again on XX/XX/XXXX to put the fees back on my account and refusing to honor because I did not submit the information to complete the bill pay the bank is doing this on there own to collect fees from me it is the bank who is doing tying to say I did bill pay when I did not plus the operator on XX/XX/XXXX is the one who told me to put in the memo to electronic debit from my account but I never submitted to be paid so not the bank is trying to say I did submit when i did n't an the bank would send popup for me to finish an I put not now later so I never submitted
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: U.S. BANCORP (CA)

My wife and I applied for a used car loan through US Bank. We dealt with XXXX XXXX ( The Branch Manager at their XXXX, CA location ) who was nice at first, but proved to be a bad banker in general. 

US Bank approved us for what we needed for the car ( $ XXXX ) and offered us great terms. Despite applying together, XXXX advised my wife and I to remove me from the loan because she carries most of the income and I carry most of the debt. He claimed he could get us more favorable rates with just her. I was confused because our other lenders wanted my name on there and werent concerned about it raising our rates, but we agreed and went ahead anyways : they were offereing us great terms at a great rate. I spoke with XXXX many times before and during our purchase to make sure everything was OK with our loan. He told me a number of times everything was fine and we were greenlit to buy the car. He even issued us a pre-approval letter verifying the $ XXXX my wife had been awarded. Within minutes of purchasing the car I got a phone call from him asking if I 'd been successful. I said yes, and then he dropped the bomb. He claimed that he had just received a call from their underwriter saying they 'd adjusted our loan down to $ XXXX instead of the $ XXXX we had a pre-approval letter for. Despite having a pre-approval letter and over XXXX phone conversations to confirm, somehow everything fell apart in the 10 min after I 'd bought a $ XXXX vehicle and US Bank was no longer able to lend us what we needed for the car. This was very much a bait and switch tactic. I was told there was nothing they could do and I would have to return the vehicle to the dealer if what they offered us was not sufficient. 

Based upon a conversation with a banker at a different bank we discovered that XXXX gave us some horrifyingly bad advice and mislead us as a banker. He misunderstood his own underwriter 's requirements and it was his advice that ultimately caused the underwriting issue. It should be acknowledged as well that the other banked also stated there should be no way for an underwriter to come back and change a loan amount after a pre-approval letter has been awarded. XXXX had suggested we take my name off the loan to remove some debt from the records, but neglected to realize that my wife had never been approved for such a big loan by herself before and as a result ( according to XXXX ) the US Bank underwriters became concerned with the fact that she 'd never had a comparable loan. Had he included me on the loan, that would not have been a problem. 

It should not be the case that after 10+ conversations and a pre-approval letter that our loan could be unilaterally changed on us and it should not be the case that one bankers incompetence should be a burden we have to bear.
Consumer complaint received 2018-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX I was never late 30, 60, 90 or  120 days late in the months of ( XX/XX/XXXX through XX/XX/XXXX ) and also ( XX/XX/XXXX through XX/XX/XXXX ). I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.
Consumer complaint received 2015-12-11
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (IN)

I was late for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX the late fees are {$87.00} dollars per month. In XX/XX/XXXX I paid the balance and paid extra I have not been late since. The late fee was still showing in XX/XX/XXXX and I called and they said they would apply the over payment to the late fee. Why is the late fee still on my account? Why would n't it ever be applied to my account unless I call. Why are the late fees so much money? Why do I still owe my regular monthly car payment when I keep paying extra? The late fees are excessive and the way you have to call and waste time calling them to get your money applied to the late fee is ridiculous. Ally Auto Finance.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Skopos Financial, LLC (TX)

XXXX, XXXX, XXXX are not updating my credit report from XX/XX/21 to XX/XX/21 for six months straight I made my payments before due date. I submitted disputes advising no update for XXXX XXXX XXXX XXXX XXXX XXXX. I also reached out to Skopo financial XXXX XXXX to do a update. I pay XXXX a month for XXXX to keep updates and submit disputes. They then put slash markings XXXX through XXXX which doesn't show that I been current and paid on time. This is XXXX if I had been 30 days on account they will ding me IMMEDIATELY. I NEED AN ATTY AT THIS POINT I'VE DONE EVERYTHING. Also my inquiry updates are off. I'll admit to having past bad habits w my credit. I've been working on my credit a year I feel like I'm being XXXX XXXX
Consumer complaint received 2015-03-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC. (MD)

I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " ALLY FINANCIAL '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2017-02-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AES/PHEAA (PA)

XXXX is reporting a late payment on my credit report. I believe this information is incorrect and/or is too old to report. I request that the late payment is removed from my credit report. The late payment reported is from the following dates : XX/XX/XXXX.-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Below is my account number found on my credit report : Account Number XXXX - - Account Name XXXX Account Number XXXX - - Account Name AES/XXXX Account Number XXXX - - Account Name AES/XXXX
Consumer complaint received 2015-08-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (VA)

Suntrust Bank has consistently reordered my transactions to charge me multiple NSF Fees. These small transactions were not showing as pending but as posted as early as 2 days before the charges were added. I had XXXX check outstanding and this was somehow placed before the other transactions so NSF fees could be charged.
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (OH)

I have reached out for help with American Education Services for 3 years now and they still refuse to help me. I have XXXX private loans and a federal loan I 've been trying to get help with, I have constantly told them my income depleted because of my daughters XXXX situation, I have submitted paperwork and have spoke to numerous supervisors and took a quiz and informed them I have no income and the continue to tell me I do not qualify for additional help. This company along with XXXX refuse to re-evaluate my income stays to give me help. Can you please help me to understand why I can not get help from them. Thank You in advance, XXXX
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

hello I have a first and second adjustable rate mortgage serviced by suntrust mortgage, the note states change date is XXXX XXXX 2011, and the rate is to follow the 45 day libor and add a XXXX margin. how can I get suntrust to acknowledge they have been over charging and get them to refund they have been charging 5.5 percent and should have been charging 3.3 percent.
Consumer complaint received 2021-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I have had my paypal account for many years and have used it for business transactions and for non-business transactions. Recently, after a whole year of high volume transactions Paypal locked my account and pinpointed three random transactions asking for the product sold and for my website to remove products that go against Paypal TOS. The issue is, I do not have a website and nor have I sold any products. All those transactions were with friends on discord to be paid back for stuff I bought them. Paypal support told me that I should not use their non-business transactions for amounts above {$50.00} but do not ever state that when you use their services and nor do they cap the amounts you can send. In fact, in order to send/receive more than XXXX I had to verify my account, showing once again that it is perfectly within their TOS to send and receive large transactions. Right now my account is locked alongside over XXXX USD of my money that is being withheld for me until I provide business invoices, suppliers, and websites that I do not have and have never had. I have talked to customer support at least 5 times to no avail.
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (DC)

My student loan servicer, FedLoan, has n't been properly designating payments of mine as qualifying for the Public Student Loan Forgiveness Program. Currently, FedLoan only has one payment on XXXX loan properly credited, when I know I have made dozens of qualifying payments. I asked FedLoan to look into this and correct the situation over 2 months ago ( I had also made a request over the phone prior to this, but I do n't remember the date ), but after following up a couple times, they still have n't corrected this. They indicated that it would take 90 business days to look into this and complete my request -- 90 business days is more than 4 calendar months!
Consumer complaint received 2016-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CA)

fedloan only has XXXX fax number which I have been trying to fax over documents to them for over 1 month now and the fax number does not work. When I called they stated they only have XXXX fax number. For a company that services millions of loans & they can not afford a 2nd fax number is crazy. I have never heard of such a thing. I have tried faxing in the middle of the night to try to get my documents to them. I tried different fax machines. I have tried everything under the sun to try & fax them. While I was on the phone talking to them to complain about their fax number I had faxed them over 15 times & they were all rejected. That is crazy.
Consumer complaint received 2017-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OK)

From the very beginning my loan servicer has been deceptive and taken an approach that has guided me towards bad decisions, including avoidable deferments and forbearance 's that were not explained. I assume this sales-ish approach is geared towards growing their fees and interest charges - and eventually their principal. I accept some responsibility for not being better educated on the subject. However, when I ran out of remedies, I was guided towards remedies that they said would only be available in default. Now that I 'm in default, I see what an awful decision that was due to fees. They also transferred lenders from American Education Services ( which is owned by Pennsylvania Higher Education ) to, none other than Pennsylvania Higher Education so that they could recapitalize fees and unpaid interest, and then charge yet another round of fees and interest on the increased principal. I do n't know if this extremely deceptive practice is legal, but it should n't be. It certainly is n't ethical to conduct a slight of hand that unfairly grows the principle amount without my knowledge. 

I feel like every stage of this process has been deceptive, misleading, and designed to gouge well-meaning borrowers like myself. I find myself stunned that any of this is legal. I borrowed about {$27000.00} for school, and now I 'm on the hook for {$41000.00} because they guided me towards default programs that charged me 19 percent up front to be treated like vagrant. And unless I can somehow pay the whole thing off, it 's going to keep growing. 

Yes I fell behind. But I had a long period of unemployment and have only recently gotten back to normalcy and a reasonable income ( which works against me apparently ). I just want them to slow the wage garnishment process because I know that EVEN MORE fees are coming with it. I am working on a way to pay the balance an roll it into a mortgage on a family home at a better rate, but it takes time. And the more they grow their piece of the pie, the more impossible this remedy becomes.
Consumer complaint received 2015-08-26
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (RI)

I had formerly used a service called Bill Me Later, as a " secure '' payment method for online purchases. I would then pay for purchases immediately, which is our practice. At some point, that service became PayPal Credit. I made a first purchase and was unknowingly signed up for a new credit line ( they do not make that clear ) ; the new method of payment for services was more complicated, as it morphed from simple secure payments to a scheme to collect additional funds from its users. They had my form of payment ( normal credit card, which had always been used to pay Bill Me Later ) and I never thought about it again until I received phone calls from PayPal looking for payment for purchases I made 8 months ago and two months ago. I did receive a couple of emails from PayPal in XXXX, 2015, but disregarded them, as I thought it was advertising. After receiving the " collection '' phone call, I immediately contacted PayPal and discussed this situation and voiced my displeasure. They had applied numerous late fees and interest to my account. I wanted to pay my bill and they agreed to eliminate the late fees, but insisted that I pay the interest charges. I do not think I should have to do so, as a result of that company 's deceptive practices. We never asked for a credit line, nor did we want one, but we may have signed up for one unwittingly when they changed from Bill Me Later to PayPal Credit, thinking we had to re-register. I have NOT paid my bill until this issue is finally resolved.