davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WA)

I am the cosigner on my daughters student loan. Originally a XXXX XXXX XXXX Select Student Loan. 
It has since been passed on to American Education Services ( aes ). I chose to do automatic withdrawal 's which I was told would allow a .25 % discount to my interest rate. 
Because it is a variable rate I never really knew if I was receiving it or not. There was no indication on my statements. I have gone back through my statements and have added up the portion that was indicated as principle payment. My figure does not match the figure on my current statement. I do not trust that they have my best interest in mind and that their paperwork is correct.
Consumer complaint received 2016-06-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (CA)

I talked to AES ( AMERICAN EDUCATION SERVICES ) a couple weeks ago on the phone about how they can help me with my student loans .When I spoke to them they said they had XXXX payment options to help me. I called them today XXXX/XXXX/16 to set up XXXX of those payment options and they stated they ca n't help me, that I used all the options that I had available. It is very conflicting on the information that they are giving me. I really want to keep up with my payments but AES is taking me in circles.
Consumer complaint received 2016-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MD)

I recently purchased a copy of my credit report and noticed that the XXXX student loan accounts that I have with " FedLoan Servicing '' are reporting late from XX/XX/XXXX until XX/XX/XXXX. 

I was granted a forbearance from XX/XX/XXXX - XX/XX/XXXX, however my credit report still shows late payments from XX/XX/XXXX - XX/XX/XXXX. I have tried contacting both FedLoan and the individual credit reporting agencies, however this information came back verified. 

I would like to place a complaint on both FedLoan and the Credit Reporting Agencies as subject to Section 623 ( a ) ( 2 ) the furnisher of this information has an obligation to provide this updated information to the Credit Bureaus. Furthermore, the Credit Bureaus are obligated under Section 607 ( B ) to report this updated information on the consumer 's credit report. 

I have documentation supporting both that the forebearance was granted and that the inaccurate information was verified. 

Thank you for your time and attention.
Consumer complaint received 2016-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (UT)

I have sent multiple requests to myfedloan.org to tell them how I would like my additional payments to be processed. I have been paying extra every month, and want the highest interest loans to be paid first - duh! Well after 2 months of requesting to apply my extra payments to principal, and 2 months of my payments being applied in the same way that they always have, I 'm losing confidence in them. I have saved my email correspondence with myfedloan.org ( though, they have never personally responded -- I only get canned, automated responses ). they are costing me thousands in interest, and I want to get this resolved as soon as possible.
Consumer complaint received 2016-06-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (PA)

I just recently was switched from XXXX to FedLoan Servicing after qualifying for the Public Service Loan Forgiveness program. Since switching, I have had nothing but confusion, anger, and frustration with FedLoan. The customer service is poor to nonexistent. I have submitted tickets through email at least 4 times in the past week, and none of them have been answered. The links on their website are broken. After I paid a past-due amount ( late due to confusion on when my payment was due, how to pay, and questions of the like that were submitted WELL before my due date ), I am still in delinquency days after paying. This is affecting my credit score, my bank accounts, my life! I suggest that the Consumer Finance Bureau follow this link : XXXX a testament to the MANY of people who are continually being ignored and, quite frankly, XXXX by FedLoan. At this point, I feel like taking legal action because of how difficult this has been, and it has been under two months since I have been with them. I can not imagine another ten years of this! At this point, I wish I had n't ever applied for PSLF and had stuck with XXXX. Avoiding FedLoan Servicing may have been worth the extra thousands I may have saved if I had never qualified for PSLF, which is so unfortunate. Redo the website. Process payments faster. Get better and more customer service. Lay out clearly when payment are due, penalties, defaults, etc. so that people understand their loan repayment. PARTNER WITH XXXX, WHO MAKES THIS ALREADY XXXX PROCESS QUICK AND EASY! Down with this horrible, scheming, behind-on-the-times company!
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (FL)

Requested the help of the companies to remove the inquiries I am not aware of. Customer service refused to help me Barclays Bank Delaware XX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can see there a multiple. Again I am not aware. 
Thank you
Consumer complaint received 2015-11-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (OH)

My son took out a student loan from XXXX XXXX Bank XX/XX/XXXX. He was attending XXXX University in Ohio. XXXX then sold it to American Education Services. I am the co-signer of that loan. XX/XX/XXXX I received a letter from AES stating that the loan was delinquent and to bring the loan current I would need to submit {$120.00}. I sent the payment in on XXXX. The check was cashed on XXXX XXXX. XXXX was only working 1 to 2 days a week XXXX in XXXX, Ohio. He tried to get a deferment. We never heard from them. I never got a delinquent notice since XXXX. In XXXX I get a collection agency calling me. So I called AES XX/XX/XXXX, spoke with XXXX # XXXX. He told me that he could not get a deferment because the loan was in default as of XXXX XXXX or XXXX. I asked him how that could be because sent in the payment in XXXX to bring the loan current. He said it was in default because XXXX and XXXX payments were not made. I asked him why I was only billed for XXXX. He stated that they only bill for current month. So they took my payment and defaulted the loan anyways. The loan was sold to XXXX XXXX in XXXX ( XXXX ). They would not accept a payment plan. They would only accept full payment of XXXX. A lawyer advised us to make a payment to bring the loan current. On XXXX XXXX, I sent AES a {$700.00} check. This was the only address that I had. The check was cashed on XXXX XXXX. I called AES and they told me that they would forward it to XXXX XXXX in 45 days. Never heard another word from them. Now we get a letter from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. My complaint is with AES that as a co-signer there was no notifications. If I would of known that the XXXX and XXXX payment was dueI would of payed it. Now we are in this mess. I would like to file a complaint against AES.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/1976 SS # : XXXX To Whom It May Concern : I am sending this request to investigate the inaccurate information on my credit reports. I have attached a screenshot of the account, and the inaccuracies are circled. The Date of Last Activity reported has 3 different dates reported with XXXX, XXXX, and Equifax. ( Please see Image Attached on 2nd Page ). How am I to know which bureau is actually reporting correctly? Due to these inaccuracies, this account is not FCRA Compliant, and there are other inaccuracies that are not exposed in this letter that would deem this account in violation of the FCRA. In resolving this matter I am requesting that this account be deleted ASAP. I also request that you please send notices of corrections to anyone who received my credit report in the past six months These are all inconsistent over Equifax, XXXX, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. Thanks in advance 1. Incorrect Information XXXX XXXX Account Number : XXXX Delete it from my credit report immediately 2.Incorrect Information XXXX XXXX XXXX XXXX Account Number : XXXX Delete it from my credit report immediately 3.Incorrect Information XXXX XXXX Account Number : XXXX Delete account immediately The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.
Consumer complaint received 2016-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (CA)

Suntrust Mortgage increased my mortgage payment twice in two months. The second time they did not inform me of the new payment amount until I received a notice saying that unless I Payed the extra amount I would be reported to the financial bureau for non payment
Consumer complaint received 2015-09-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA ()

My loans have been in repayment since graduation from XXXX XXXX University in XXXX 2008. Recently the company that manages XXXX of my private loans has been misallocating my payments. As a result, XXXX of these loans continually look like they are delinquent. As a result, I as well as my parents ( the cosigners ) receive a stream of emails and calls threatening my credit rating. We 've tried calling to straighten things out and every time they realize they 've made a mistake, but the error and the ensuing harassment keep happening. Please help.
Consumer complaint received 2017-02-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (SC)

Westlake Financial Services continued to report charge off to credit bureaus post bankruptcy. Bankruptcy was filed on XXXX/XXXX/2016. Their action violates the bankruptcy automatic stay. Multiple credit disputes by credit bureaus has not resolved the matter.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (CA)

I began taking out my loans through XXXX XXXX years ago. However, I have noticed that with the transfer to Nelnet that my loans sky rocketed. in addition my information was turned over and I was not even aware. In addition I now have multiple loans on my credit report and it is causing issues with me even getting approved for anything.
Consumer complaint received 2015-05-16
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NY)

I currently have a Home equity line of credit, which is 30 years, first 10 years are for draw, remainder 20 years is to pay back line of credit. My bank contacted me to ask if i want renew credit line, but said i would have to pay filing of lean, which would come to about {$240000.00}. I asked the bank since there still is a lean for another 20 years, why would i have to pay. They said thats the way it is. My question is that necessary, or can they continue to use same lean. The home is located in New York State. 
Thank youXXXX XXXX
Consumer complaint received 2017-02-02
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (ME)

This mortgage account originated through XXXX ( XXXX XXXX ) on XX/XX/XXXX. JP Morgan Chase began servicing the account shortly thereafter. In XX/XX/XXXX, the account had fallen under pre foreclosure. Assistance was provided by the Commonwealth of PA. Account was brought current through this process. There was a third lien placed on the property address, by the Commonwealth of Pennsylvania, in regards to this account. The property was put up for short-sale, in XX/XX/XXXX. This is about the same time the deed was transferred from XXXX to Chase. When the first pre forclosure was initiated, the property should have been properly titled. This is an obvious attempt by Chase to hide the fact the property was not properly titled. This explains my difficulty in attempting to refinance the property between XXXX and XXXX. I am hereby granting the CFPB permission to access my files with JP Morgan Chase. Thank you.
Consumer complaint received 2016-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OH)

I am currently attempting to assume and modify a loan under which I am currently the executor of the estate since the death of my relative. Chase is asking me to do illegal acts in order to modify and assume the loan such as file quit claim deeds on behalf of my deceased relative and to pre-file the quit claim deed that is to be filed to remove my sister from the estate. I live in the home and they are not working with me in any way in order to keep the home. I have been going through this process for 6 months and today I found out my case was denied because I did not file a deed that it is unlawful to file. Please help me to know my options in order to keep my home.
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (TX)

Have a revolving CC account with Chase. Recently paid all but a couple of hundred dollars against a very large balance ( on time ) and got hit with a huge interest fee charge because the whole balance payment was n't made. Interest should only apply to the unpaid balance. 
Previous Balance {$5200.00} Payment, Credits {$5000.00} paid XXXX Interest Charge {$50.00}
Consumer complaint received 2016-11-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CO)

Good Morning, Thank you for your consideration and response. 

I have spoken to my attorney and he has informed me that we are no longer in litigation at this moment. Please revisit our case/complaint for questionable business practices by JP Morgan Chase pertaining to our request for a home loan modification that has been going on for 6 years now. 

Thank you again for looking into our case. 

Kind Regards, XXXX XXXX XXXX XXXX From : Consumer Financial Protection Bureau [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, 2016 XXXX To : XXXXXXXXXXXX Subject : Your submission, [ Case number : XXXX ] Subject : Your submission, number XXXX We reviewed the complaint you submitted and sent it to the company for a response. 

The company was unable to respond to your complaint because it appears you 're involved in pending or prior litigation about the same issues raised in the complaint. No further action will be taken on your complaint. 

What happens now? 

We entered the information you provided into the XXXX XXXX XXXX, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the XXXX XXXX XXXX to identify questionable business practices that may lead to investigations and prosecutions. 

Can I hire my own lawyer to look into this? 

Yes. While we ca n't give legal advice or represent individuals in legal matters, if you want more help you can contact a private attorney or your local legal aid office for free or low-cost legal resources at XXXX. 

Is that it? 

Your complaint helps us identify trends and problems in the marketplace and understand the challenges people are facing so we can do a better job looking for these problems when we supervise companies, enforce Federal consumer financial laws, and write rules and regulations. 



Thank you, Consumer Financial Protection Bureau XXXX ( XXXX ) XXXX ( XXXX ) AR XXXX
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (PA)

I paid off an outstanding account in full with XXXX credit card. I have asked the company to update my credit report and that they provide me with a letter stating that all the accounts I had with XXXX were closed and paid in full. I have made XXXX phone calls so far and have been unable to get a letter or any results. I had XXXX accounts with XXXX. They keep sending me the same letter for XXXX account but not for both of the accounts especially the XXXX account I paid off that is still showing on my credit report. I called today to report that they only sent me XXXX copies for the same exact account and that I would need a letter for the other account. The XXXX person said I needed to be transferred and disconnect the call. The XXXX person would not give me his name was XXXX with reference number XXXX. After taking all of my personal account information he stated that he was able to review my account letters and saw that XXXX were mailed out. I informed him that they keep sending me the same letter for XXXX account number and needed XXXX different letters XXXX for each separate account I had. He then stated he could not hear me and disconnected the call. This has been going on for over a month at this point and I still do not have the letter I need to get this removed from my credit report, since XXXX keeps stating I need proof it was paid. Please help to get this resolved.
Consumer complaint received 2015-04-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (WA)

Chase XXXX continues to report ownership of my XXXX vehicle XXXX XXXX. On XXXX of XX/XX/XXXX I paid the entire debt to Chase for this vehicle, including a fee so Chase would do whatever necessary to have the Washington XXXX XXXX XXXX XXXX ( XXXX ) send me final title to the vehicle. 
On XXXX/XXXX/XX/XX/XXXX I wrote to Chase requesting compliance of their obligation concerning this issue and noting that since XX/XX/XXXX they could had illegally been including my vehicle as part of their assets. On XXXX/XXXX/XX/XX/XXXX they responded with a letter inferring that I had just recently finished and attached some documentation so I could obtain a clean title from XXXX, requiring my time and effort plus payment of additional fees for action that should have been taken by Chase some 10 years ago. The letter did not include the identity and title of the individual responsible for the contents therein.
Consumer complaint received 2017-01-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase is unable or unwilling to correct an error of their doing in my HELOC -- an account I 've had for over 12 years -- and never a problem at my end. Despite a letter from XXXX corroborating what I 'm saying and explaining repeatedly, plus emailed to them repeatedly a copy of the XXXX letter with the explanation and reference numbers, Chase bank is now harassing me with documents. I 'm at my wits end after talking to over 15 people one person more detached than the one before. Why ca n't one person fix the issue and apologize for putting me through this endless torture.
Consumer complaint received 2016-12-09
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CRA Collections, Inc (DE)

I had hospital visits in 2010. I provided insurance information and went on with my life. Now, over 6 years later, I receive a collection and indications that the bill was never even submitted to my insurance. I provided this in good faith. I NEVER heard a thing about any of these bills. Now, after the time for submission has passed years ago, I receive a brand new collection bill.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (MO)

I have been with Sallie Mae since XX/XX/XXXX when I first started college. I have around {$83000.00} of private student loan debt with them due to them raising the interest rates for all of my individual loans which they do not consolidate every month. When I graduated college XX/XX/XXXX Sallie Mae wanted me to pay {$1100.00} a month with a 9-9.75 % interest rate, which was XXXX my monthly income. When I told them I could n't afford that amount they told me there were absolutely no repayment programs I could enter into because they do n't offer any. I had to go into a forbearance period of 9 months in order to figure out how was going to afford these payments. It was n't until 8 months into forbearance ; and calling every week trying to find an affordable solution, that someone in the call center told me that I could apply for a term rate reduction plan. Now all my loans are at 2 % interest rate but I have to reapply and be reevaluated in two years. When I asked what that meant Sallie Mae told me that in two years they would see if they can raise my interest rate back up to 9 % depending on my income earnings. Their program will keep me in the same financial hole I am in now trying to just make minimum payments. 

Now that I have been enrolled in the term rate reduction plan, the only way I can be kicked out of the program is if I fail to make all my monthly payments but every month ( for reasons the customer service team fail to explain ) my automatic debit has been canceled on some of my loans. Which causes me a huge amount of XXXX because every monthly due date ( the XXXX of each month ) I have to search through which of my loans payment was n't taken out of and call Sallie Mae trying to get them to fix it. Each time I am on the phone with them they either randomly hang up ; the call randomly dropped, or I am shuffled between XXXX-XXXX customer service personal.
Consumer complaint received 2016-05-27
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Exeter Finance, LLC. (CA)

Exeter repossessed a 2008 ford fusion sold it at auto auction and expects me to pay the total amount of the loan no discount for selling the car. Exeter sold this account for pennies of the dollar to XXXX XXXX XXXX of XXXX New York acct # XXXX wo called me at home atd told me I was a Fn flake who skipped out on my debts. This is n unscrupouls collection agency who has no business calling me. Exeter did not have any business trying to collect the whole amount without any discount they are both recording as a negative on my credit report. only one but not both