davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (AZ)

I purchased a XXXX from XXXX close to 2 years ago. I was told by the sales clerk that the one I picked out for XXXX dollars was not a good XXXX, so she directed me to a more expensive one that was over XXXX dollars for the device and XXXX a month. It is a device that allows you to have wifi service through XXXX without having XXXX in the home you are in. She told me that XXXX of the XXXX dollar one would be refunded after 60 days of having it. So I bought it. I also, of course, had to sign a XXXX yr contract for it. When I took it to where I work since there was not internet service there, it had continual horrible service. I called 3 times over a two week period to speak to customer service and they said there was nothing they could do and that I could not bring it back. They also said that if I tried to get out of my contract there would be a fee for it. They also said there was no rebate on that device, and that the sales person lied to me, but even if there had been there still would n't be no rebate if I cancelled the service for the XXXX. I was told that the charge would be XXXX dollars. My dispute was that if I kept paying on a product that did n't work for the next three months ... that would be more than my rebate that I still had n't seen as promised. I got nothing but a continual lies from them. XXXX customer service was so rude that I just told them I needed to hang up. I could n't take it anymore. I still had my XXXX phone service but disconnected my XXXXI and then I paid my cell phone along with my early disconnect XXXX fee. I tried a few more times to try to get the charge taken off since it never worked in the first place and I should n't have to pay on something I ca n't use AND that I should n't have to pay just to get back a rebate that some sales person said I was entitled to and then another said that I was n't. All of this just drove me crazy so I gave up. I paid my phone bills and then just dropped XXXX since I had been with them for so long that I no longer had the initial contract with them. It is now and has been for a long time on my credit report under XXXX different companies and is bringing down my score. It is upsetting and I do n't know what to do anymore.
Consumer complaint received 2016-09-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (NJ)

I cancelled XXXX over the phone and they kept my account open for an additional month while I was connected with XXXX. When I received a bill from them I told them that I had cancelled my services through them as of XXXX of 2014 but yet they still sent me bills and they turned it over to a collection agency previous collection XXXX had dismissed the bill but now I am getting bills from ENHANCED RECOVERY CORP and they also notified XXXX. If I cancel my service with their customer service, there should be no reason to pay for an additional month.
Consumer complaint received 2016-07-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (SC)

took out student loan through American Education Services in 2007 and began repayment same year. I was XXXX XXXX XXXX when I initiated the loan. The amount I received was {$21000.00}. With the addition of an origination fee, my original balance was {$23000.00}. Over the past 8 years I have paid a total of {$18000.00}, never utilized any of my forbearance, and my current loan balance is {$21000.00}. I can no longer afford the {$230.00} payment and AES advised me that the only option I have is to place my loan in forbearance, as I have 12 months available. I do not want to do that as while the loan is in forbearance I will do nothing but raise the balance back up. I can only afford a {$120.00} payment. I additionally can not let the payment default as having good credit is a requirement from my employer. I have an unemployed wife ( student ), XXXX children, a mortgage, an auto payment as well as usual utilities and living expenses. I simply can not afford the payment and have been struggling for quite some time. The loan was too easy to receive and this is a prime example of predatory lending. I must have the payment dropped to {$120.00}.
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. (NC)

I obtained a {$4000.00} loan through Navient and was forced to pay a high interest rate of 10 % for a 15 year term. I attended college at XXXX - XXXX.
Consumer complaint received 2016-03-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

My student loans got transferred Navient. So for a couple of years I have been going through such stress, trying to figure out, what are they doing with my payments. I have talked to over five different Account Managers, who tell me something different. They tell me that I am current one month, and then the next month, I am passed due. Every time I call the company and make a payment, I wind up getting upset! They have been mishandling my account for several months now! I would like for someone to give me a straight answer, as to what is going on at Navient? I was just told on XXXX XXXX, 2016 by XXXX XXXX at Navient, that my account was current. This month I called in to make a payment, and another Account Manager by the name of XXXX XXXX, says that XXXX was wrong, and that I am passed due! Someone please help! I am at my wits end! I thank you for your time and consideration. I look forward to hearing from you soon.
Consumer complaint received 2016-03-31
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (IL)

I was in a car accident and my car was deemed a total loss. My insurance company paid off the lease and I had to pay the deductible. I paid more than XXXX of the deductible, but before I could pay the rest it was considered a loss and charged off by Ford Credit. I only found this out when I received a copy of my credit report. I never received any phone calls or letters from Ford Credit stating that it was going to be considered a loss and charged off. When I called Ford Credit they told my Husband and me there was nothing they could do to change that. They claim that they notified us but we never received anything from them saying that they were charging out account off. They also claim to have discussed this with my husband about this being charged off when they spoke in XX/XX/XXXX. The only thing they discussed was about him emailing a copy of the police report and insurance information to them. They had no previous problems reaching me before when they had questions about the accident and we have always received our monthly statements. We were never late or missed a payment during our 3yr lease. As a matter of fact the replacement car is leased through Ford Credit. My husband also drives a Ford. After the current lease is done we are done with Ford if this is how they want to treat a loyal customer. Both of us had great credit scores and that has suffered because of this.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (ND)

I took out my first student loan through XXXX in XXXX. At the time, I had been on SSI since XXXX. When I took out my private loan through XXXX, I was not told that I could never get my student loans forgiven due to being on SSI when I took out my loans. My loans were sold to Navient. They have put up many barriers to releasing my cosigner. My only income is my SSI. They are refusing to lower my payments and are making it very difficult to afford my payments, despite both my cosigner and I trying to work with them. We are not able to make the payments despite trying and they are setting many barriers for us that I feel are unjust. They are harrassing us both about paying the loan back.
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

Navient took advantage of me I have XXXX loads XXXX is Stafford unsubsidized the other is Stafford subsidized I could have been paying on this. But the staff employees told me it would be better to go into deferment. Also in ten years they said I would n't have to pay anything.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I 've tried to increase my amount for payment with Naviet, which is virtually impossible. I am paying interest upon interest, and have called to her crease my amount which I can not separate towards principal. I have had automatic draft but I can. It change my draft date so it is drafted the same day and thus if it takes 48hrs to post I am then added additional fees that are then capitalized. I 've called to ask to have my draft date changed and they say they can only change to due date not the draft date. It 's unfortunate to have such a deceitful could no any taking advantage of so many college students. This process should not be that difficult, but they make it all most impossible to be able to reduce your debt without any penalties or red tape. I hope this company is investigated for all their corruption.
Consumer complaint received 2016-01-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ATG Credit, LLC (NY)

I am XXXX and all my school loans were paid off by the XXXX discharge in XXXX 2015. A few weeks ago I started to receive calls from a bill collection company names ATG LLC asking me to pay my bills. I told the XXXX who is the debt holder for XXXX XXXX that i have confirmation that the debt was paid. XXXX and his company ATG LLC continues to harass me with letter and calls. XXXX and ATG LLC went as far as adding the debt back to my credit. Its not my fault that XXXX XXXX got paid for my student loans and did n't communicate with ATG LLC. I have the proof that all debt was paid and I should n't be harassed with letter and phone calls everyday. Then to see the debt on my credit report which took a big hit over a debt that was paid.
Consumer complaint received 2016-06-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

Same as a year ago. Navient. I have finally got a payment that I can make with them, and it have gone up every 6 month or so. I do n't know if they want me to default on my loan or what. Started out with a payment of {$550.00} a month. Then it went to {$550.00} a month. Now its up to {$570.00}. My payment was suppose to stay at {$550.00} a month, due to me making {$20000.00} a year. I have never missed a payment, they have put me in a terrible strain again with my payments. I also need to know, If I was in the last lawsuit they the consumers won with Navient. If so, all of the funds can go to this loan. Please let me know what my next legal move should be. I get very tire of trying to do the right thing, and get dirt kick in you face at the same time.
Consumer complaint received 2016-07-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Business Bureau (TX)

Medical Business Bureau was disputed and it was removed from my credit report. They then added themselves back on my credit report without notifying me in writing. I have sent this company a dispute letter directly to have this incorrect information removed. I am now at the point of legal action if this is not removed with both this company and the original creditor as this is inaccurate information. As of this date they have failed to respond to my request. The law stipulates that they must investigate within 30days of receiving my letter. They have no followed the stipulations of the law. I will contact the federal trace commission and advise them of your apparent disregard for consumer protection laws.
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc. (OR)

Sent debt collector request to validate. They sent statement with XXXX logo on it, an XXXX number, total amount due, bill date, a closing balance, additional charges ( undefined ). And that 's it. No notice of right to dispute. No other information requested in my letter.
Consumer complaint received 2016-05-31
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Stellar Recovery, Inc. (TN)

I received a call from telephone number XXXX which belongs to .Stellar Recovery, Inc. No message was letf of any type and we become immediately harrassed at this and do not want this company to call us again. 

It is no way to do business when you leave no message and therefore I would not be interested in anyone from the company to ever call me whether it be by telephone, email or letter.
Consumer complaint received 2017-01-29
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE (TX)

Hello, XX/XX/XXXX applied for and received a Barclaycard Mastercard as part of an effort to rebuild my credit. As is the case with folks with less than perfect credit, the card had an exceptionally high interest rate and onerous fees for everything. Right off the bat there were issues with access my account, viewing statements, but I paid as I spent, and my limit was only {$2000.00}. 
At one point XX/XX/XXXX, I was nearly at my limit. I paid a minimum payment, and then set up my bank to pay automatically, and I put the card away. Somehow the minimum payments just seemed increase despite the fact that I was not spending on the card. I did n't notice this for some time because I did n't think they would increase if I had n't spent. 
Then the calls came, multiple times a day, disrupting me at work. Half the time no one was on the line. They called when payment was due, the same day I made a payment, the day after, and I got emails telling me I was near my limit, thanking me for my payment, telling me my statement was ready. Each month the minimum payment was climbing by $ XXXX+. I could n't pay that, and I continued with the automatic payments at less. 
XX/XX/XXXX my last statement said my minimum payment was {$700.00} - on {$2000.00} limit card? Then I received a letter that my account had been handed over to a collection agency. No warning. No letter or email or voicemail. Just XX/XX/XXXX statement, and XX/XX/XXXX collection agency. Efforts to talk with them just get me diverted to the collection agency. 
All the work I had done to repair my credit destroyed, and not so much as a warning. I was told making timely payments was most important, even it they were not full amount. 
This has been devastating. It was a terrible decision, and Barclay is a terrible and predatory organization.
Consumer complaint received 2015-12-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (NJ)

My existing mortgage servicing was transferred from XXXX XXXX to SunTrust Mortgage Inc . Shortly thereafter Sun Trust did an escrow analysis and refunded me {$2300.00}. On XXXX XXXX 2015, I received a letter from Sun Trust that in fact my escrow account was short {$4100.00} And either I paid the full amount or my mortgage would go from {$2500.00} to {$2900.00}. When I called for an explanation I was told that when the servicing was transferred, XXXX XXXX had not paid my local town taxes. I told them that they should go after XXXX since they were they ones holding my escrow and should have made all payments prior to the transfer. I returned the money they sent me in error but I will not paid anything more than what I was paying before the servicing was transferred. It is Sun Trust mistake and they not me should be responsible. I spoke to their Customer service Virginia, XXXX XXXX and XXXX XXXX who did the research and realized their mistake on XXXX/XXXX/15. See attached correspondence and tax statements from town.
Consumer complaint received 2016-11-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (MD)

On XXXX/XXXX/2016, I called to informed Sun Trust that I was resending my permission for them to do and automatic debit for a car payment I have with Sun trust. At no time was a advised they could not stop the payment what I was advised of is that the payment will not be deducted. 
Thereby the purchases that were made where made in good faith based on the information that was provided by your customer service rep, that the car payment WOULD NOT BE DEDUCTED On XXXX/XXXX/2016, I a beginning day balance of - {$330.00}. Items were presented to my account as follows : Overdraft fee of {$36.00} was refunded and your account available balance increased to - {$300.00} {$25.00} to XXXX was paid {$36.00} fee and your account available balance fell to - {$360.00} {$5.00} to XXXX was paid {$36.00} fee and your account available balance fell to - {$400.00} {$17.00} to XXXX XXXX was paid {$36.00} fee and your account available balance fell to - {$450.00} {$0.00} to XXXX was paid and your account available balance fell to - {$460.00} {$4.00} to XXXX was paid and your account available balance fell to - {$460.00} I contacted the back to see what had happened I was informed they had processed the payment any way and thus all of these items had been assessed a fee. The bank did not have consent to enter the acct and make that deduction, this fact is further affirmed by your customer service rep during the call that took place on XXXX/XXXX/2016. 
They now are refusing to refund my money and in essence are attempting to extort funds from be based on your banks " stealing ", my monies by entering my account without consent. This is fraudulent and reprehensible, and at the core of all things illegal. I am unclear on how I can be told a payment will not come out, remove the permission for the bank to enter my account and because I made purchases based on the word of your rep, that the funds where not going to be deducted be assessed additional fees, {$120.00} from me and think this is good business practice. I want my money back.
Consumer complaint received 2016-08-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (NC)

After reviewing my Home Equity Account that I have had with SunTrust for over ten years, I requested an audit. I have been making additional principal payments and these payments have not always been applied properly. According to my review, SunTrust has adjusted payments, and applied interest to those payments. Those payments should have been applied as principal only. According to my records, my current balance does not reflect all the principal that should have been applied to the account. 
I have called the Home Equity Department at SunTrust starting on XXXX XXXX, XXXX and have received the worst customer service responses to my request for an audit. I have made over seven calls to the department in less than 30 days. Each time being told it would two days to review, each time when I called back for a response to my inquiry, I was being asked the same question over again. " Why do I want an audit done ''. Each time not being given any additional information to my request ( which should have been completed in two days ). Each time being informed that they needed specific examples/additional information to why I am requesting an audit -- before they can do an audit. The customer service representatives were courteous. Unfortunately, the department 's responses were ineffective When I provided just one specific example/information -- - A payment of {$950.00} should have been applied as principal only but interest was taken out. When I call back on XXXX XXXX, for a resolution to this one example, I was advised by the representative that the back office advised that it went back too far, and that they made the adjustment in XXXX. I advised that no adjustment was made in XXXX, XXXX. The representative agreed that she did not see any adjustment either. 
I have been paying more than the minimum payment for more than three years -- and it is not acceptable that these payments were not applied correctly and in accordance to banking laws and regulations. 
After attempting to work with SunTrust, I am formally writing to request an audit of my entire account. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-12-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (PA)

We purchased a property XX/XX/XXXX in XXXX, NC. Our mortgage was sold to SunTrust Mortgage. They accepted our flood insurance last year but this year for the renewal they will not pay the premiums out of our escrow. They stated that the insurance is not backed by National Flood Program. Our property is in a XXXX Resource Area and federal flood insurance is not available. We have asked several insurance companies, banks, homeowners association officers and no one has ever experienced this. In addition, we became aware of a NC state law ( Biggert-Waters Flood Insurance Reform Act of XX/XX/XXXX ), which basically states that our lender MUST accept the insurance we have through Sterling Surplus. Yet SunTrust still refuses to accept and pay. 
We want SunTrust Mortgage to pay the premiums out of our escrow and accept our insurance.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

When I was having trouble paying my loan because I had a minimum wage XXXX, they would call me everyday, multiple times a day, and add huge late fees to my loans. When I answered the phone they would make me answer a long list of questions and at the end they would tell me they could n't help me.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC (CA)

This letter is being sent to Jefferson Capital Systems , LLC in response to a negative collection placed on my XXXX and having received no XXXX notice. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

This matter was already settled with XXXX XXXX and XXXX removed it from my credit report. See attached letters.