davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

Our loan servicing company was changed to LoanCare and soon after we noticed an error on the new online site. While our payments seem accurate and the total amount owed seem accurate, the online site states the wrong Original Loan Amount. We want the Original Loan Amount on the website ( which is listed as {$44000.00} higher than our original loan ) corrected to the amount on our loan paperwork. We have emailed three times to have this issue corrected and our emails have been totally ignored. Each email was submitted through LoanCare 's secure email via their site login. When our emails were ignored, we began calling to have the issue corrected. We called on XXXX XXXX, 2016 and spoke to XXXX, ID # XXXX. She seemed to understand the problem and agree that it needed to be corrected. She said it would be handled and we would receive written confirmation of the change in the mail. When we did n't receive anything and the correction did n't happen 30 days later, we called again on XXXX XXXX, 2016. This time, we spoke to XXXX, ID # XXXX. She said we could not speak to a supervisor. She listened to the issue and said she would look into it, putting me on hold. A few minutes later, She hung up on me. When I called back, I reached the same person I spoke to on XXXX XXXX, XXXX, ID # XXXX. She said that she remembered me and that their paperwork said that the issue would be resolved on XXXX XXXX and we would be contacted with a resolution by phone. That date has come and gone and we have not heard anything. We have original loan documentation proving that their information is inaccurate and we want this corrected. My concern is that they will sell the loan to another company with this inaccurate information. Due to their unreasonable resistance to correct this error, we are beginning to suspect that they have no intention of fixing the error. We need a definitive response from the company so we can know what next steps to take to address the issue.
Consumer complaint received 2015-12-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (MI)

united recovery systems XXXX # XXXX this company has failed to provide me with competent information that I own this debt they have failed to provide the following information to me. 

1. provide me copies of papers that show I agreed to pay what they say I owe. 
2. prove the statute of limitations has not expired for this account 3. show me that they are licensed to collect in my state 4. provide me with there license numbers and Registered agent My request for validation was sent via USPS certified mail dated XXXX/XXXX/2015
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (CA)

US BANK CREDIT CARD STATEMENTSCARD WAS OPEN XXXX OF XXXX WITH A XXXX PERENT INTEREST- Explained to us bank about my us that I had a income cut because of divorce and ask for a hardship program. This request went on for the last 6 months. No one would offer me help. I had a fico score of XXXX and now it dropped XXXX points. Only after they reported me 30 day late they begin to offer me help ; which I found out through money management. 
So, I called us bank alerting them that I found out about their program and they suddenly begin doing application ; which was on XXXX/XXXX/XXXX. The program wanted me to pay XXXX and they would not compromise and said that 's all they can offer. 
Around XXXX I called and spoke to a supervisor name XXXX who was rude and thought my situation was a joke. After going back in forth and pulling teeth by asking ; what is your rule and policies when you ask for help - what status your account have to be in, and she said no status it is up to the customer service rep and then chuckled. 

The next day, XXXX I spoke to clearance moore about XXXX behavior and he said he would review the audio and call me back, I left messages on XXXX and XXXX for his feedback. 
Today, XXXX I called us bank and spoke to XXXX, and motioned that my credit has been ruined because us violated Obama XXXX act by not allowing me to opt out of the card by not sending me a 45 day notice that my XXXX percent interest card was going up to close the card. 


US bank violated my rights as a consumer by not disclosing my rights. Each supervisor and customer service had a choice to use morals and ethical codes to assist me. Because they did not follow Obama XXXX act they violated my rights by not allowing me to close my card and opt out of the high interest rate. 
They violated their ethical principles XXXX uncompromising intergrity by not doing the right thing and disclosing the property information by not being truthfulThey did not respect my hardship in leaving an abusive marriage when interacting with telephone calls and not documenting calls, They did not take responsibility for their mistakes after I made repeatedly calls when I mention my rights were violated. 
They did not respect citizenship by following laws that govern banking practices. 
Rules : affective XXXX XXXX - XXXX XXXX c ) ( XXXX ) : 45 day change in terms ( they violated this rule, no letter or warning was given to me ) The rule is to provide advance notice and proficient time to respond to a change - in term notice.. ( I could of opt out and closed the card and got a lower interest rate at the time where my fico was XXXX XXXX. 

This card act allows the consumer to reject the change, subject to certain exceptions- 1 notify the customer the right to reject the change before the effective date 2. Provide instructions for rejecting the change and if applicable 3. Provide the consumer reject the change, his ability to use the account for further advances will be terminated or suspend.
Consumer complaint received 2017-03-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ZINC Financial, Inc., (CA)

MY MORTGAGE COMPANY DEFAULTED ME BECAUSE I FELL BEHIND ON MY PROPERTY TAXES, WHICH I HAD MADE ARRANGEMENT MY COUNTY TO MAKE PAYMENT MY HOUSE PAYMENT NEVER BEEN OVER 30-DAYS LATE, THE COMPANY CALLED MY JOB WAS VERY RUDE WITH MY CO -WORKER I WASNT IN, THEN THEY CALLED LEFT ME A VERY RUDE VOICEMAIL, THE ONLY REASON IM DEFAULTED YOUR CONTRACT BECAUSE OF YOUR CO-WORKER WAS RUDE, WHEN SHE WASNT SO I CALLED TO SPEAK TO THE PRINCIPAL OF THE COMPANY, THE LADY THAT HANDLE MY MORTAGE XXXX SAID HE DOSENT WANT TO TALK TO YOU, RIGHT AWAY THEY RASIED MY FIXED RATE FROM 7.5 % TO 28.99 % AND SAID IM CHARGING YOY XXXX INSPECTION FEE WE NEED RIGHT AWAY, I HAD BEEN UNDER ALOT OF STRESS WITH THE DEATH OF MY WIFE, MOTHER, BABY SISTER, AFTER THAT WE HAD A HEAVY RAINFALL WHICH DAMAGE MY ROOF AND BEDROOM I FILE A CLIAM MY INSURANCE TO FIX IT, GAVE THEM THE CHECK THEY TOOK THERE TIME TO ENDORSE AND SAID BY LAW WE ALLOWED TO GIVE PEOPLE THAT WORKING ON YOUR HOUSE 10 %, DOING ALL OF THIS I WAS GOING TO ANOTHER FINICIAL COMPANY TO PAY THEM OFF CAUSE EVERY MONTH I WAS SENDIND MY MORTAGE OF {$600.00} BUT SINCE DEFAULT ME 28.99 % MY STATEMENT WAS {$10000.00} EVERY MONTH SO THE COMPANY I WAS TRYING TO REFINIACE THROUGH SAID THEY NEVER HEARD OF THIS MATTER AT ALL, SO I REFINIACE MY HOUSE WITH THEM MY FORMER COMPANY TOOK THERE OWN TO GIVE A PAY-OFF I BELIEVE TO ALOW THE 28.99 % INTREST TO ACCUAMLATE, FINALLY COMPANY HAD TO DEMAND FOR PAY-OFF AND AFTER THEY GOT PAY-OFF, THEY WRITTEN OUT THE INSURANCE CHECK THAT MY INSURANCE COMPANY HAD SENT TO FIX MY ROOF AND INSIDE, BUT THEY WROTE CHECK LIKE IT WAS A REFUND OF MORTGAGE PAY-OFF, I BELIEVE IWAS TREATING WRONG AND UNFAIRLY, I HAVE A COPY ON VOICEMAIL HOW RUDE THE PRINICPAL OF THE COMPAMY, MY CO-WORKER WILL WRITE A STATEMENT HOW RUDE HE WAS CALLING MY PLACE OF EMPLOYMENT, AND HARRASED.
Consumer complaint received 2017-04-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (VA)

I have a Car loan with BBT and when I opened the loan account, they also automatically opened a checking account. They did not give me an opportunity to not open the checking account. I was told that the checking account was not going to have any fees associated with it.   I have paid my loan payments all on time and am close to finishing the loan. They started charging an " Account  Maintenance Fee ''  in  XXXX  for {$13.00} every month.   I did not authorize the fee nor was there a separate notice informing me of the fee. They snuck a short message into my regular monthly statement that went unnoticed since I get my statement emailed.   The message it 's is ambiguous and does n't clearly state why the fees will be charged other than " mortgage qualifier being removed ''.
Consumer complaint received 2015-12-08
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (KS)

Keep calling and they have been told that I am the co-signer and can not pay this loan repeated times and that they need to quit calling and that I am an XXXX year old man living on Social Security. It is affecting my health. Just keep calling and harassing me and telling me that they are going to file a law suit.
Consumer complaint received 2016-01-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: STERLING JEWELERS, INC. (NC)

Kay Jewlers are reporting information in my name to the credit reporting agency XXXX without ever sending me any type of communication that a debt was to be paid or owed to them i was a victim of fraud never even knew this account existed intill seeing it reported to my credit report when i reached out to the collection company they told me the company was out of business and that they didnt have any information for me or about any money that was owed. I asked them to remove the information on several occaisions or provide me some type of proof that the information indeed belong to me. there is no dates opened or how the account was created reporting to my file.violating my rights that protect me as a consumer.
Consumer complaint received 2016-08-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NJ)

I am having difficulty paying my Direct loan with AES. The monthly paym ent ballooned from {$290.00} to {$580.00} this last month in XXXX. When I spo ke to a rep he indicated the loan was a select XXXX payment plan. The XXXX 2 years you pay only interest. After that the loan goes to " standard level '' pay- ments of principal and interest. 
I explored the options they provide non of which would be beneficial under my circumstances. I want to pay this loan, but tried to find the way and there does not seem to be a workable option. 
Please help me. They also divided my loans for the same college, and indicated I would have to pay in addition to the $ XXXX, another {$430.00} beginning XXXX XXXX due to the agreement I had been offered in XXXX. I have been paying interest only on this loan ( XXXX seq. loans ). Why is it is now split into XXXX payments which I am completely unable to pay and will most certainly go into default. I do not want this to happen, but I have a mortgage, car loan, another student loan I am paying off at a reasonable monthly from my bachelors and other monthly expenses. I can not combine this obligation with my husbands info since this loan is under my name it is my obligation only. Please help me as I do not know what else to do. I just received another bill that I now owe {$1100.00} plus XXXX in late charge and rising.
Consumer complaint received 2016-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (WA)

I have a joint student loan with my ex-wife and we are in the Public service loan forgiveness program. The loan was transferred from XXXX to Fedloans two years ago. Ever since we have received terrible customer service. We excite different advice each time we call. Now I do most communicating I writing but at times they do n't even respond to my messages on their " contact us '' section. Furthermore there is no way to track my sent messages and their replies. The messages vanish after a set amount of time. I have lots of documentation about the problems we have endured. We applied for the REPAYE plan in XXXX from Fedloans. We received approval and new terms in XXXX. A standard payment was assessed one month for @ {$2400.00} which I was told was part of the transition to a new plan. I made several calls to the servicer about this amount and was told it was being reviewed for a forbearance and would likely be granted since we are in the PSLFP. I called again XXXX XXXX and was told that an application for the forbearance had never been received. That is the first time we were told we needed to apply for the forbearance. Prior to that date other reps told us it was happening as part of the REPAYE submittal and not to worry about it. The nest day on XXXX XXXX we submitted all documentation and was told it would be reviewed promptly. This was on day XXXX into being late on the amount. I found out today that we had been reported Fedloans reported as delinquent to credit bureaus even though we were told this would not happen. Today I was told it would take 30-60 days to remove the derogatory statement from our credit once the forbearance decision was made. We have made all monthly payment on time since XXXX while waiting for the forbearance. Had we been told in XXXX we needed to apply for the forbearance we would have then. We never received this requirement in writing and was told the opposite by Fedloan reps that ithe forbearance was being reviewed as part of the REPAYE application. The REPAYE application has a place on it to request $ 5 monthly payments during the review period to avoid any forbearance amount. I have also received several calls from Fedloans about the amount past due and when I told the rep we were waiting on Fedloans for a decision the rep acted surprised until they reviewed our account. Not only did we wait 4 months for our REPAYE review we now have a derogatory credit report at no fault of our own. Please help us resolve the credit reporting issue. I am in the middle of refinancing my home and this has impacted that process. I would also like to have our loan transferred to another servicer. Never before with any other credit product I have I seen this type of customer service. Students loan XXXX are so hard to decipher unless you 're an attorney. Often times I know more about the programs than the services themselves. Please help us.
Consumer complaint received 2016-04-17
Product: Other financial service — Foreign currency exchange
Issue: Customer service/Customer relations — 
Company: Travelex NY, Inc. (DC)

I attempted to exchange euros to dollars at the Travelex Kiosk ( XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA ) on XXXX/XXXX/2016 at approximately XXXX. I provided my identification as requested and the teller handed me a piece of scratch paper and told me to write down my social security number and phone number. I told her I did not want to provide the information and did n't want to continue. She proceeded to write down my license information on scratch paper and told me she needed to keep it because I declined the transaction. I take issue with this transaction. Under no circumstances am I going to give someone my social security number on a piece of scratch paper and further take issue with her writing down all my personal information on scratch paper and hiding it under a keyboard. This is highly unusual behavior for such a large company to ask for such sensitive information in such a un-professional manner. I do n't know this employee and how she is going to protect my information or if it is going to be taken and used for nefarious purposes. I complied with the request for ID and have no issue with that, but will not give up my SSN to an unknown person on a blank piece of paper. There is no way to assure that the information will be properly safeguarded if collected in such a manner.
Consumer complaint received 2016-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (UT)

I have an outstanding issue which suntrust has already admitted that they have made a mistake and broken the law. They followed up w me needing more information which I faxed to them on XX/XX/2016. I did not hear from them for a month. When I finally called them they said the issue had been closed. I asked them if they had received my fax, why they would close the issue without calling or notifying me by mail. They said that they would get to the person handling the issue and get back to me in XXXX hours. I have now called them 3 times in a month and have received that same response. Nobody has followed up. The case number is XXXX. The contact at suntrust is XXXX. Her XXXX is XXXX
Consumer complaint received 2016-07-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (GA)

Recently, I received some phone calls from my family members stating that they were being contacted by American Education Services regarding my student loans. I informed my family members that I was up to date on my monthly payments and I had no idea why they were calling you. I have no idea how they got my parent 's and brother 's phone number due to the fact the their were no cosigners and their numbers are not listed on my contact sheet. When my mother spoke with the representative from AES, the representative immediately asked for my SS # and also my mother 's SS #. My mother immediately thought this was a scam and stated that she would not give out that information over the phone. My mother also stated that she should not be contacted since she never cosigned on the loan. The representative stated that my parents did cosign on the loans. That is not a true fact. My parents refused to cosign on these loans. I remember the discussion we had over 10 years ago. After that phone call, my mother decided to research the AES loans I had taken out from XXXX XXXX while in college. During her research, she read quite a few complaints regarding this company and how the loan balances never seem to change. I then realized that I have been paying about {$200.00} every month on these loans since I graduated college on XXXX XXXX, XXXX, over 8 years ago. I looked into my original balance and current balance. I took out XXXX loans from this company during college. The first loan was taken out on XXXX/XXXX/XXXX. The original balance was {$8500.00}, my current balance as of XXXX/XXXX/XXXX has gone up to {$8800.00}. An increase of {$250.00}. I have paid on this every month for 8 years and my balance has gone up. My second loan was given on XXXX/XXXX/XXXX. The original balance was {$2700.00} and my current balance as of XXXX/XXXX/XXXX is {$2600.00}. In 8 years my balance has gone down {$150.00}. The third and final loan was given on XXXX/XXXX/XXXX. The original balance was {$11000.00}. As of XXXX/XXXX/XXXX, my current balance is {$9200.00}. It has decreased {$1900.00} during my 8 years of payments. The fact that I have consistently paid on these student loans for 8 years, only to see that the interest rates have been raised so frequently that one loan has actually increased in balance is very discouraging. Personally, AES is only one of my student loan payments. I currently pay {$920.00} per on student loans, both federal and private loans. I graduated 8 years ago and I am trying to be a responsible citizen by paying my loans every month. At times, I have worked XXXX jobs to make sure all my bills were paid. Personally, I think it is an injustice the way that AES is constantly increasing the interest rates and also harassing my family members that have nothing to do with these loans.
Consumer complaint received 2017-03-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (VA)

I requested that my checking and savings account with SunTrust Bank to be closed more than six months ago. The checking account was closed but for some reason the savings account was not closed. Now some charge has been applied to this account, please note there were no auto drafts set up on this savings account and the account should have been closed, and now they are adding an over draft fee. I have made several attempts to resolve this with SunTrust Bank customer service but they have been no help. I believe this is exactly the type of customer abuse the CFPB was setup to stop.
Consumer complaint received 2016-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (FL)

I have received a Federal Loan after coming out of the XXXX, I never used any Military Aid. I went to XXXX XXXX XXXX in XXXX XXXX Louisiana in 2000 for a few months. At this College they did not use the classroom, the labs, or computers which we paid for. We were not taught at the level of books we had. Most of the class quit the fist few weeks, and some people were fired. I dropped after the computer lab was not able to be used in a computer college, and required for the testing. 
I do not see how the loan of less than {$2700.00} was paid to the college and I was charged. 
I have been paying on and garnished a less than {$2700.00} student loan for 16 years. 
I have paid fees of {$100.00} a month, {$50.00} a month, {$32.00} a month. 
One time fees of {$97.00}, {$150.00}, {$32.00}. 
Garnished taxes of {$450.00}, {$300.00}, {$350.00}, XXXX Wages taken $ XXXX {$1500.00}? 
They say I still owe XXXX different loans of XXXX loan broken in XXXX of over {$1500.00} So when I pay somewhere in the area of & XXXX for {$2700.00} and still owe {$1500.00} plus dollars with monthly fees. Where is this wrong?
Consumer complaint received 2015-12-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (CA)

I enrolled at XXXX XXXX College XX/XX/XXXX ( now XXXX College ), graduated XX/XX/XXXX and borrowed {$48000.00} from American Education Services to complete the program. Like most private loans its a standard variable interest non subsidized loan. Currently my balance is {$47000.00}. I did get laid off within the 8 year period and was unable to make about 8 payments but have been faithful on the other, roughly, 88 payments. I have made over {$29000.00} in payments to the company ; I do n't understand how my balance has only dropped by {$1000.00}. I call and can not get a direct answer from the company. PLEASE HELP me! I am desperate to get out of debt but at this rate I 'll never see the end.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (CO)

This is a follow-up to complaint XXXX. I still have received no statement of my Selene account of any kind, or a monthly statement, or even a payment coupon. I began requesting these on XXXX XXXX, 2015. It appears I am still in foreclosure mode even though I signed their mortgage documents last XXXX. 
On XXXX XXXX, I did receive a notice of my next year of escrow, so they have my address. 
The notice informed me of an increase of {$120.00} in my mortgage payment beginning XXXX XXXX. Am I not entitled to more than a week of notice for such an increase in my monthly payment? 
It is quite clear now that Selene has a specific reason to not let me know the details of my account with them since XXXX sold it to them last XXXX.