davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-02
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP (FL)

FHA Case No. XXXX XXXX XXXX Address : former address to property was XXXX XXXX XXXX XXXX FL. XXXX. 
Present address : changed to XXXX XXXX XXXX XXXX FL. XXXX By Introduction, my name is XXXX XXXX and I became a homeowner in XXXX 2001. 
I went through the process with a non profit organization by the name of XXXX XXXX XXXX located in XXXX Florida. XXXX XXXX XXXX assisted me with preparing me to become a first time homeowner. Being a single mother, this was the American dream coming true.The name of the mortgage company which is no longer in business as called XXXX in XXXX Florida. I fell behind one month and XXXX sent me a letter stating that due to late payment, my loan could not be FHA insured, and the loan will be converted into a conventional loan. Now at the time I was not aware that this was false information, and also on my mortgage note there is no clause stating that my loan will no longer be an FHA loan by falling behind. I know for a fact that FHA helps individuals to remain in their homes. I truly believe that this is a predatory loan and XXXX converted into a regular conventional loan of course for profit. XXXX made stated another fictitious statement the well on the property was not the appropriate footage from the septic which is false because the house was built from the ground up the the contractor has to meet the building codes for XXXX XXXX. I have been fighting this for years and I feel that this information that XXXX was just all a ploy for me to lose my home and my inherited property.Ivanhoe used FHA procedures not guidelines to target individuals receiving FHA loan and convert the loans for profit for their investors gain and greed. This really saddens me for individuals who really strive for the American dream to become a homeowner. Over the years my loan has been sold at least 5 times and now my mortgage company is Selene Finance and they only reason why they have it now because the were under the assumptions that my loan was in default and I was in foreclosure which was false as well. 
Now since Selene Finance has my loan I stated to them to look at the original note and it clearly states that this is a FHA loan FHA insured. Since Selene Finance has the loan, they are now held accountable.My interest rate is 6.5 % it needs to be lower because it is a FHA loan.The interest rate should be at least 2.5 %. At 6.5 % I will never pay off my home loan and the investors get wealthier. I have all documents and I also requested documents from the Selene loan resolution department as well.Please assist me with this matter. 
Thank you, XXXX XXXX
Consumer complaint received 2016-08-22
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (VA)

On XXXX/XXXX/2015, my vehicle was rear ended at a red light in XXXX County, XXXX. 
The driver admitted he was at fault and his insurance company provided me a rental car via his policy coverage. 
Before the settlement of damages from my vehicle were paid to me ; my car was deemed a total loss, the rental car company reported the vehicle stolen. 
XXXX XXXX a Car ; is the rental agency. Also known as XXXX XXXX. 
They reported the car stolen on XXXX/XXXX/2015 and Never informed me of course. 
On XXXX/XXXX/2015 on my way from a job interview in XXXX XXXX, MD ; I was detained by the XXXX XXXX Police Department for alledgely Grand Thief Auto. 
I surrender the vehicle, along with XXXX sets of key and the temporary registration ; naturally the temporary registration was in my name. 
The vehicle was in perfect condition at the time of my detainment and later arrest. 
All the Court proceeding were XXXX XXXX in regards to the friviloious stolen vehicle charges. 
Apparently once the XXXX XXXX Police took possesion of the vehicle they not only stole out of the vehicle my {$1000.00} XXXX sports jacket I wore to my earlier job interview ; they cause {$340.00} damages to the rental vehicle. 

Thus XXXX Damage Recovery Unit-XXXX XXXX, MO XXXX has turned this case over to Transworld Systems , INC, XXXX. 
# XXXX XXXX XXXX XXXX. 

I have sent two written correspondences requesting to dispute the non valid {$340.00} fee because I do Not work for the XXXX XXXX Police department and can Not be held responsible from their dishonest and apparently criminal actions. 

This harrassement must stop and I would appreciate if your agency could get involved to stop this non valid attempted debt collection. 
Not only was I injured, my vehicle destroyed to no fault of mine, Court proceedings and now harrassement of a debt I do Not owe.
Consumer complaint received 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I checked my credit report and noticed 3 late payments reported by Navient while my loans with them were in Administrative Forbearance. The late payments was reported XX/XX/2016, XX/XX/2016, and XX/XX/2016 my Administrative Forbearance was from XX/XX/2016 to XX/XX/2016. After noticing the error of the the late payments being reported I notified Navient and was sent a letter to give to the credit bureaus to update the information. The letter states that my loans were in Administrative Forbearance during the time the late payments was issued. This was done back in XX/XX/2016 to this day the late payments are still on all XXXX of my credit reports. Navient has been unpleasant to work with concerning this matter. I have paperwork to submit to verify of the Administrative Forbearance during the months in question. I just want this matter fixed.
Consumer complaint received 2016-12-07
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CHECK INTO CASH INC. (CA)

I received a call in XX/XX/2016 regarding an attempt to serve me with court documents to take me to court of a payday loan from Check Into Cash. XXXX XXXX XXXX contacted me at my work threatening to serve me papers at home and if I was not home to accept they would serve me at work. I had not talked to anyone regarding this issue or received anything by mail regarding this debt collection prior to this. When I did speak with someone they were not flexible on making payment arrangements. They basically told me how I had to repay the debt without any consideration of any of my other debt I had going on. I was given a deadline to submit a small payment and then once that was paid I had 3 months to pay {$240.00} monthly by the XXXX of each month ( XX/XX/XXXX ). When I did not pay on XXXX/XXXX/16 they began harassing me again and leaving messages at my employer. I previously stated to them I could not receive personal calls, but yet they still called and left messages. I made the XX/XX/XXXX payment when I was able to in XX/XX/XXXX, but also requested they provide me something in writing regarding this matter as they still had not provided anything to me in writing. I also requested in writing they not contact me at work because I could not receive personal calls. On XX/XX/2016 and XX/XX/2016 I received voicemails from XXXX XXXX regarding XX/XX/2016 payment not received. The message I received was asking that I provide something in writing or make contact if I am not able to make the payments timely, but why would if they were not flexible in the beginning and they demanded I make payments on the XXXX of each month. Realistically that was impossible for me. I received a voicemail today telling me I was going to be served papers again on XX/XX/2016 and I needed to be home between XX/XX/XXXX to receive these documents. I have to work. I also commute to work, so how am I supposed to be home between XX/XX/XXXX to receive anything especially when they have never mailed me another regarding the debt.
Consumer complaint received 2017-02-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TN)

I, just like many other Americans have private loans through XXXXNavient. I XXXX college in XXXX XXXX and did n't have a full time job during XXXX. The only option they gave was forbearance which only helped balloon the amount I owed. I have paid on my loans since XXXX with the principal balance barely moving. I now owe over XXXX but borrowed no where near that amount of money for school. My original total was XXXX. I also had to get my loans extended from 10 years to XXXX because I could n't afford the payments. Navient is definitely affecting my ability to purchase a home in the near future.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VA)

I have been unable to repay my loans. We make just enough to pay our bills and I even sell scrap metal to earn extra money some months. My wife has a lot of medical issues and should not be working but can not afford to quit. I myself have an XXXX and half of a left XXXX, we both have permanent XXXX., but I ca n't afford to quit either. Now Pioneer Credit is calling my family members and sending me letters threatening to garnish my wages.
Consumer complaint received 2016-03-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

On a daily basis, I 'm harassed by Navient debt collectors. They 've called my house anywhere from XXXX XXXX repeatedly. They 've called my mother 's job repeatedly and has harassed her co-workers on her whereabouts giving them information that does n't concern them. I understand I 'm unable to pay the amount they 've requested at the moment due to financial hardships but we have offered to pay half of what they have requested until my financial situation changes. There rude, disrespectful, and have asked me to put myself in more debt just to pay there loan. It 's just ridiculous now. They continue to harass my mother with wage garnishments, and property liens. We 've spoke with someone continuously about the same thing and there 's no resolution just the same outcome.
Consumer complaint received 2018-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

The issue at hand is one of timely response of the lender to borrowers inquiry. A response from the lender is still outstanding as of this complaint submission. In summary, the borrower began graduate studies during the autumn of XX/XX/XXXX. The enrollment triggered a deferment effective XX/XX/XXXX on borrowers student loans which were secured to fund XXXX education. Borrower contacted servicer on XX/XX/XXXX to request removal of deferment in order to continue progress towards the 120 qualified payments required for Public Service Loan Forgiveness. Borrower continued to submit full and timely monthly loan payments. Deferment was removed with retro effective date XX/XX/XXXX and loans were returned to repayment status. Borrower then submitted an Employment Certification Form on XX/XX/XXXX to ensure continued compliance with XXXX guidelines and accuracy of qualified payment tracking. Servicer responded on XX/XX/XXXX certifying 7 payments for the period XX/XX/XXXX XX/XX/XXXX. Borrower believes the correct number of qualified payments to be 11 for the period XX/XX/XXXX - XX/XX/XXXX, and that the payments shown in Table 1 were excluded as qualified payments. Borrower contacted Servicer on XX/XX/XXXX to initiate review of the 4 payments shown in Table 1 and was told to allow 90 days in order for the completion of the review.

Per page 37 of the document titled CFPB XXXX XXXX XXXX XXXX, the servicer must respond to borrower inquiries within a reasonable time period which is further specified to be within 30 days. The servicer has not responded in over 90 days to an inquiry involving a recent time period, a small number of payments, and limited analysis of policy and procedures. Further, the borrower contacted the servicer on XX/XX/XXXX to check status on the review and to inform the servicer that a response was expected within 90 days of XX/XX/XXXX. The borrower requests the assistance of the Consumer Financial Protection Bureau towards a response from the servicer. 

Table 1 : Payments in Question Date of Payment - Amount - Due Date of Payment - Number of Days from Due Date to Date of Payment XX/XX/XXXX - {$76.00} - XX/XX/XXXX - 13 XX/XX/XXXX - {$76.00} - XX/XX/XXXX - 6 XX/XX/XXXX - {$76.00} - XX/XX/XXXX - 2 XX/XX/XXXX - $ XXXX - XX/XX/XXXX - 0 *New payment amount based on Income-Driven Repayment plan recertification Table 2 : Criteria for Qualifying Payments A payment is considered as qualified if it is made : After XX/XX/XXXX While employed full-time at a qualifying employer Under a qualifying repayment plan On-time ( no later than 15 days after the scheduled due date ) Each month, satisfying the installment amount due for that month in full When the loan is being actively billed, and is not in a default status
Consumer complaint received 2015-03-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (KS)

Attended University of XXXX for two years. The university charges roughly XXXX a quarter. I requested loans through XXXX XXXX which is now bought out by Navient. Instead of charging interest on the whole amount, they charged each quarter as an individual loan and taxed 9 % interest on each. I also have a loan through XXXX XXXX XXXX 's which is not near as bad as XXXX XXXX. They allowed us to pay interest only payments but it still added up to XXXX just for interest. Now we are paying full amount of XXXX. We are XXXX military. My husband has been XXXX. His name is not on this loan but it greatly prohibits are finances and we are unable to visit family or live comfortably as a military family.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

When I became unemployed in late 2012, Navient first offered me forbearance and then later enrolled me in an interest-only plan. They led me to believe that my monthly payments would cover the amount of interest I was accruing and that my loans would essentially remain unchanged during this time. But I later found out that they were charging me more interest than what I was paying, so my loans continued to grow incrementally over time. I wanted to change plans, but they made it very difficult. I had to call them and provide a detailed financial picture of my household including how much I spent on food, electric, gas, etc ... per month. I ultimately decided it would be easier to refinance/consolidate the loans with another company, so I began working on that instead. In this time, Navient never offered me income-based repayment options.
Consumer complaint received 2016-02-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

went to XXXX in XXXX was pushed into loans wich i thought were loans i didnt have to pay back i attended for a couple months with substitute teachers not real ones wich i was paying for never graduated from dropped the the program now years later im in default because they took the money from theses loans when i never attened clsses for because i dropped out. so i owe them tons of money for a education i never got
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

There are addresses listed on my credit report that I have never lived at : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-04-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VA)

I have contacted Navient in regards to lowing the amount to allow me to repay my student loans. I only make {$40000.00} which then taxes, health insurance, and child care is then deducted. The only payment that they are seeking is XXXX per month and this does not include my federal loans. I am unsure what I should do next.
Consumer complaint received 2016-07-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I live in New York and pursuant to New York State law, campaign contributions and expenditures for those seeking elective office must generally be reported in detail to the New York State XXXX XXXX XXXX. 
I attempted last week to open a campaign finance account at Chase for an upcoming local election. I provided registration information in the form of campaign finance forms showing that the candidate had registered with the New York XXXX XXXX XXXX XXXX and taxpayer id information showing that the entity had been registered with IRS. The bank was chosen because the Treasurer personally has accounts there and uses both a suburban branch and a XXXX branch. The campaign finance treasurer is well known by the bank branch, having conducting substantial business over the years. Her integrity is not in question. I will have signature authority over the account as well and I also have personal accounts at Chase. The candidate would have no signatory authority over the account. 
CHASE declined to open a campaign finance account. I protested this decision, pointing out that it was part of the bank 's CRA responsibilities to provide services required by the community. XXXX candidates need to be able to have depository accounts in order to comply with New York State XXXX. I asked to speak with a CRA representative but the branch manager said there was none to whom they could refer me. I have filed a complaint with the bank and told the branch manager that I am filing this complaint with you. Several years ago, I had this same problem with XXXX XXXX XXXX Bank who initially said " no '' to an account but changed its mind pursuant to its CRA responsibilities. 
The Chase branch manager stated that they did not want to provide a campaign finance account to a single candidate because she was concerned that it would appear that they would be favoring this candidate. This rationale might make sense if the candidate was seeking a loan or a contribution. But all that is requested is a simple checking account. 
I am looking for relief in the form of a CRA policy that requires banks and bank branches operating in New York to provide the depository/checking accounts that are required for candidates to run for elective office. This campaign finance activity is a very fundamental activity of our democracy and federally chartered financial institutions must provide the services needed by the community members to run for elective office. 
I would greatly appreciate speedy resolution. Other banks in the area have also declined to establish such accounts. Until a depository is identified, this campaign can not deposit checks nor pay vendors.
Consumer complaint received 2017-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

When my Stafford subsidized loan was serviced with just XXXX, my interest rate was 5.8 %. Since they were sued and split into XXXX companies, my same loan from Navient is listed as 6.8 %. I signed a promissory note back in college to a fixed interest rate and they changed it when the " new '' company took my loan over. I have screen shots to prove.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

Follow up to complaint # XXXX - Dated XXXX/XXXX/XXXX and complaint # XXXX - Dated XXXX/XXXX/XXXX This is an on going case since XXXX I paid off my entire mortgage loan balance with chase as of date today - Chase still did not issue the lien release of my mortgage. As of result of this, I have not been able to sell my house. 
I have legal Representation who is acting on my behalf. 
His Contact information is as follows : Law Office of XXXX XXXX XXXX, NY XXXX XXXX
Consumer complaint received 2016-12-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

Between XX/XX/2016 and XX/XX/2016 I was ammassed over XXXX dollars in overdraft fees. 
Because of the banks decision to sequence the transactions in such a fashion that instead of having a balance of just under XXXX dollars I was charged with XXXX overdraft charges even though deposits were made to cover and shortfall I have made frequent attempts to rectify this matter with chase bank with out a positive response
Consumer complaint received 2015-10-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: The CBE Group, Inc. (ME)

XXXX XXXX keeps sending letters from several different collection agencies after several attempts by my attorney to report this as a dispute of validity of debt. Despite repeated requests to have correspondence go through my attorney, all communications are still being sent to me directly. No one from XXXX XXXX the original creditor ) has made any attempt to solve this matter.
Consumer complaint received 2016-05-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

Navient has taken auto debated from my account for two months after payoff of my Federal Direct student loans. The first withdraw was after full payment, the second withdrawal was after auto withdraw enrollment had ended. Navient also adjusted a balance onto the account at the time of the second withdrawal XXXX XXXX documents signed and returned. Checks for {$120000.00} sent to Navient XXXX Navient posted the received amount with resulting {$89.00} credit ( Date of zero balance ) All loans posted correctly. 
XXXX Navient initiated auto withdrawal of {$1900.00} from Savings Acc. ( Should have not been withdrawn ) After calling in, the rep. stated that the payment would be reversed and that the money should be going back to the savings acct. Agent of Navient suggested contacting bank. 
XXXX XXXX, payment reversal of XXXX posted to account. 
XXXX XXXX bank stated there was no indication of payment reversal. Explained the situation to the bank, Funds refunded. Stop Hold placed on account. 
XXXX Navient posted new balance of XXXX, backdated to XXXX, no capitalized interest as of XXXX, but now earning interest. 
XXXX Navient initiated auto withdrawl of XXXX from Savings account without permission and without being enrolled in auto withdrawal. 
Navient claimed the XXXX withdrawal was blocked, my bank claims the money has already transferred to Navient. 
I 'm asking that Navient send a payment in full letter dated for XXXX/XXXX/2016 per payoff date. I 'm asking for XXXX payed per overpayment. In addition, I demand quick response and return of the funds amounting to XXXX taken without permission or authorization.