davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NH)

Sallie Mae was the lender. very briefly I was unable to continue schooling and finish my degree. I was hassled more than XXXX and XXXX times a day with phone calls almost every day of the week, at the very least contacted every other day, what 's worse my father cosigned some of these loans and dealt with the same calls and bad manners I talked with him and I documented what we could. I did ask them to stop contacting me unless it was within accordance the law allowed. I was threatened that this will never go away and they would destroy my financial credit though I have no proof of these particular conversations I did n't document some things. While still in school they had sold some of my loans that I was successfully paying and some of those again got re-sold as well. At this point I did not know who was who in terms of loans owed. Rates had changed loan numbers are not matching up. So not only did I still owe and pay Sallie Mae but now owed some other companies who were seeking payments from cosigners as well, just as viciously! still I could not afford school or penalties and payments. my father had cosigned a couple of these loans it has stressed and damaged our relationship I have no degree and there is still more but I think you get the point. It has stressed and damaged our relationship ( my father and me ) I have no degree and there is still more but I think you get the point. Not to mention my credits about a XXXX
Consumer complaint received 2016-06-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (IA)

Vehicle financed through Chase XXXX was repossessed with no prior notice. Loan was only 68 days past due with a payment in the mail and received by them the day after it was repossessed. In XXXX XXXX I believed I had made payment change arrangements from XXXX of every month to the XXXX of every month. Apparently it was not accepted and I was never notified. XXXX XXXX - XXXX XXXX I made my monthly payment via my online bank by the XXXX and I confirmed they received by XXXX every month. This apparently put me in collections for XXXX straight mos, missing my due date by 20+ days. No calls were ever made to me and no attempt to look at my history and contact me to either get my date change or request earlier payment was made. I had an online account with them and never received an email or online message. To make matters worse, I did miss my XXXX XXXX payment due to an oversight on my part. Again, XXXX XXXX XXXX payments were made the XXXX. On XXXX XXXX the car was repossessed. No letter, call or notice received to make arrangements or advise of the intent to repo. Once I called them to inquire about the loan the conversation started with amount needed to bring the loan current. Again, no attempt to understand the situation and look at the history to assess true ability to repay and timing of payments. I was prepared to bring the loan current ( approx $ XXXX ) and recover my vehicle. I was eventually asked " how will I be keeping the loan current '' and I had already advised of the oversight on my part and that it was not due to lack of ability to pay. Frustrated I advised " I do n't know how to answer your question '' and that " I will be more careful and pay on time as I never imagined repo was possible ''. I was placed on hold and it was obvious the collector did not like my answer when she came back as she advised that at this time they were going to accelerate the loan balance and require me to payoff the loan in full ( approx. $ XXXX ). A couple calls back and even an escalation request got me nowhere as I was advised the decision was final. I believe this action was taken to an extreme with no evidence of inability to pay. My reason is complete oversight on my part and I in no way deflected responsibility. I never advised I was without work or any other hardship that would indicate the delinquency would persist. I never received any notice to cure or legally required notice. There is no doubt I broke the terms of the contract but I believe Chase took overly aggressive and unjustified action in the interest of taking advantage of the situation. Their predatory action has resulted in additional financial burden and credit reporting damage that I will live with for years to come.
Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (GA)

PNC Mortgage Escrow under paid XX/XX/XXXX property taxes which resulted with XXXX lien placed against our property. XXXX PNC motivates us ( via phone call ) un-freeze our equity line of credit with them because values are up again. They charged XXXX dollars, then turn us down. Our PNC Mortgage and PNC Equity Line of Credit are on the same property. This all happened XX/XX/XXXX. 

Regarding the XXXX created by XXXX underpaid property taxes. I found out only after my XXXX credit score went from XXXX to XXXX in one quarter. After researching, I was shocked to fine a XXXX lien on our house due to the XX/XX/XXXX underpaid property taxes. With more digging, found out that a 3rd party entity purchased the tax lien from the city/county. With the potential then to be sold on the county court house steps. After notifying PNC, they claimed no knowledge. I went to the 3rd party entity to please print the XXXX information and sent this to PNC. Their Escrow department blames us for not keeping them up to date with the property taxes. They claim we lost an appeal while we actually were successful in getting the property taxes reduced from XXXX to XXXX. With more complaining, PNC eventually did pay back taxes. They are not helping to get the XXXX removed from credit and claim not their problem when it was them not paying the taxes that created the lien. Having an escrow account, I thought was to help protect our property taxes being sold to a 3rd party entity, then sold on court house steps. PNC accountability to customers, mis-management of escrow has caused serious damage to our credit. 

After the XXXX ordeal ; ( this summer ) PNC guided me toward unlocking an existing PNC Equity Line of Credit on the same property. Person on PNC phone marketed how easy it is to unfreeze an equity line of credit due to values going up again. Simply pay XXXX to have your account un-frozen. Not an issue. They denied the unfreezing of PNC Equtiy Line of Credit. We live in XXXX and next to XXXX ( Where properties have seen values soar ) ; We also live on XXXX 's new green park system called the XXXX. 
Was it the XXXX that PNC created, then used to deny us? or was it the Appraised value which is also very questionable. We are very concerned with the mismanagement of escrow and marketing used. And also want to help prevent this from happening to other people that have escrow accounts that pay for property taxes and insurance.
Consumer complaint received 2016-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

Before my loans went into repayment once I graduated from grad school, I chose to consolidate. My loans were transferred to FedLoan Servicing. I have previously had loans consolidated with XXXX and have only had good experiences. I currently pay my student loans from my previous degree through XXXX 's direct debit system, with the same bank I am attempting to use with FedLoan. They have repeatedly approved my application for direct debit, then told me I had insufficient funds ( I do not ). I have had issues with them telling me my routing number is wrong, I change it to the one they tell me, then it 's still not going through. It seems that they are deliberately complicating the process of direct debit so that the interest rates do not have to be dropped the tiny portion of a percent. Every time I use my banking information to make a phone payment, that MAGICALLY goes through. I have been calling them at LEAST monthly to correct this issue since XX/XX/XXXX and it is now XX/XX/XXXX. I have launched my second complaint with the ombudsman and requested that I have my account transferred to another provider, hopefully XXXX, because clearly this is a predatory lender.
Consumer complaint received 2015-12-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (PA)

I have enclosed the documentation of my claim that erroneous items are being listed on my credit report due to these private student loans. Attached are all the supporting documents. I simply want the items, including any hard credit inquires from potential creditors that were denied, ALL removed and deleted from my credit report as they are not factual. This issue has directly impacted my ability to obtain personal lines of credit since XXXX of 2014. 

Enclosed is the official response from XXXX Student Loans including the original promissory note stating only XXXX ( XXXX ) loans from their offices were ever issued with direct contact information. These private student loans were then bounced around between National Collegiate Trust ( NCT ), American Education Services ( AES ), and XXXX XXXX. All of these items are listed on my credit report as multiple separate loans when they are NOT separate loans but the same XXXX ( XXXX ) original loans transferred from the lender to vendor, to collection agency. 
Executive Office XXXX Student Loans XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ATTN : XXXX XXXX Phone : XXXX extention XXXX Both of the private student loans were originally from XXXX. These loans now appear as multiple negative items listed as XXXX XXXX Loans, National Collegiate Trust, American Education Services, or XXXX XXXX. NONE of these items should not even appear on my credit report as negative items. Per the court ruling this debt was dismissed without prejudice and can not be collected on, nor should it even appear on my credit report as it is not a debt. 
Magisterial District Court : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Docket Number : XXXX XXXX Department of Court Records, Civil/Family XXXX-County Building XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Phone : XXXX Case Number : XXXX
Consumer complaint received 2016-05-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (TN)

I have an account with SunTrust Bank, from which I have never ordered checks. SunTrust bank cashed XXXX forged checks out of my deposit account and then charged numerous overdraft fees from those checks and other debits from the account. I called the next day to report the counterfeit checks, but they are saying that they will take 7-10 business days to " investigate. '' These checks are obviously counterfeit. They look like they were made from a copy machine, they were from a SunTrust Bank with a PO Box , and they were signed " XXXX ''. SunTrust now refuses to release my money back to me because of their mistake while they hold onto my money for 7-10 business days. This is an absurdly long time to investigate something that is a clear case of fraud because of their lack of security.
Consumer complaint received 2016-09-01
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (GA)

Someone got a hold of my debit card as I apparently had lost it debit card & did not realize that I had lost it. I did not realize it was missing until I recvd a call from SunTrusts fraud prevention department asking me to verify charges. I advised that the XXXX charges made on my account were not made by & were fraudulent. They immediately shut my card down & told me they would file a claim for me. They gave me claim number XXXX. I waited & one day I recvd a call from someone with SunTrust bank by the name of XXXX and something close, from the investigations dept & I explained was bad time a could n't speak as I was at Dr appt. She asked when would better time & I explained in a hour or so. She never called again, I made several attempts to call her back & left several messages that same day & even a couple of days later. The very next day after I received email saying that my claim was denied as there was no error on the bank or merchants part & the claim was denied. I spoke to a supervisor & explained that someone had my card & she explained that there was n't a lot of info as to why the claim was denied & only info she has was they determined there was no error on the bank or merchants end. I explained that I had the card immediately shut down when the fraud was discovered. They told me that looks I had done business with the merchants before, & appeared valued. It was XXXX!! Who do n't shop at XXXX but I would not have gone two hours away!! Also some of the charges were made while I was at a Dr 's appointment as I had recent XXXX. They told me I could file a rebuttal which I have done and it was submitted on XXXX XXXX, 2016. Every time I call I get no info. They said they would send me documents that they used to determine and support the decision but all they sent was a copy of the original denial letter again and no documents were actually sent to me. When I called to inquire as to why I did n't get documents just another copy of the denial I was told that was all the documents they had. To this date XXXX/XXXX/2016 they have still not given me back my money and seem to be giving me a run around. I would like my money back I did not authorize the transactions or take part in anything and have done everything that they have asked me to do! CHECK CARD PURCHASE XXXX XXXX # XXXX XXXX GA for {$520.00}, CHECK CARD PURCHASE XXXX # XXXX XXXX GA for {$450.00}, and CHECK CARD PURCHASE XXXX # XXXX XXXX GA for {$200.00} all the transactions were made on XXXX XXXX, 2016. I would like my money returned
Consumer complaint received 2016-09-11
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (GA)

I applied to Suntrust Bank to open an account and i wrote a personal check for XXXX $ as initial deposit on XX/XX/XXXX2016. A few days later account was closed for no reason and up till today i am yet to get my money refunded. i have submitted evidence to suntrust and filed a complaint with XXXX where the check originated and i yet to get my money back since XXXX 2016.
Consumer complaint received 2016-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (OK)

Ok so I complained and they found 12 additional months toward my public service loan forgiveness. Funny can they find more as I have 18 yrs with the same agency? I think they should look till they find them all, do n't you.
Consumer complaint received 2016-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (FL)

During XXXX XXXX, I elected to use the direct deposit option to pay my student loans. On XXXX XXXX, XXXX, while checking my payment history for my student loans, I realized my loan balance increased from {$91000.00} to {$96000.00} between XXXX XXXX, XXXX and XXXX XXXX, XXXX despite making regular monthly student loan payments from XXXX XXXX to present. I was unable to find an answer as to why my loan balance increased until XXXX XXXX, XXXX because the information was not available online and my student loan provider, FedLoan, is available by phone only during the work week. While speaking to my student loan provider on XXXX XXXX, XXXX, I learned that when I signed up for direct deposit XX/XX/XXXX that I was apparently warned that direct deposit may take two months to take effect and in case of any missed payment occurring after signing up for direct deposit my loans would automatically go into forbearance and any interest accrued during that time period would be capitalized to my outstanding student loan balance. My XXXX XXXX, XXXX payment was not automatically withdrawn from my bank account even though I signed up for direct deposit the month before, but upon realizing the error on XXXX XXXX, XXXX, I paid the balance in full. I have made every payment on time since XXXX XXXX, XXXX to present. After pleading with FedLoan and attempting to explain that the result of this policy was unfair ( they received one monthly payment less than 2 weeks late and I received nearly {$4800.00} in capitalized interest 10 months after the fact ), I was told that no one at FedLoan would be able to decapitalize the interest from my student loans. I offered to pay FedLoan for the damage that I caused by making my XXXX XXXX payment 13 days late in exchange for decapitalization, but was still told no. I offered to make a payment of {$1000.00} to {$2000.00} dollars on my student loan in exchange for decapitalization, but was again told no. I have several complaints. One, FedLoan should be able to set up direct deposit in a more timely manner. Two, FedLoan did not provide adequate warnings of both the delay in setting up direct deposit or the consequences for missing payment due to the delay in setting up direct deposit. Three, the automatic forbearance leads to unjust results as I did not receive the benefit of the forbearance ( I made all payments except the XXXX XXXX payment on time ) and FedLoan was able to capitalize a substantial amount of interest on to my loan balance.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (GA)

Suntrust covered a debit card transaction when I had insufficient funds. They did this even though they knew I had insufficient funds at the time of the transaction and I opted out of overdraft protection. They are now charging {$35.00} for what was, in effect, a {$5.00} loan that I did not want, and thought I had opted out of.
Consumer complaint received 2016-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

I moved out of my apartment and had a disputed balance owed. The company sent me the final amount owing and after negotiating we agreed on the amount owed. We also agreed on two payments that would pay my account in full. After agreeing on the payment schedule they informed the credit bureau that I did n't pay in full. I have the letter that says it 's paid in full from them. They will not contact the bureau on my behalf and said its up to me to resolve. I have the emails that show I was waiting for an accounting of the balance owed before I paid. When they said I could pay in two payments I thought this as resolved. I told them how important my credit score was to me. Not sure what I can do to get this off my bureau?
Consumer complaint received 2016-03-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

I have filed several disputes for XXXX XXXX XXXX. I have filled out an Identify Theft Affidavit package and filed a police report as well. XXXX XXXX XXXX continues to " verify '' the debt since it matches my name and SSN. I have had the address associated with this account removed from my credit report since it is fraud. XXXX verifies the account because it was associated with my information. I need the information deleted from my credit report. 
Also, XXXX has not responded to any of my correspondences and I have disputed this account with the credit reporting agencies as well. XXXX has been in violation of the following sections of the Fair Credit Reporting Act. 

supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 
notify a creditor that you dispute the debt that it has reported conduct a reasonable investigation of your dispute, or correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute notify every CRA involved that you dispute the debt provide you with a reasonable procedure ( including an address ) to submit a written dispute or report of identity theft, or inform you of the results of its investigation within 5 business days after it completes the investigation. 
Please assist me in getting this removed. I have attached my letters to XXXX and the Credit Reporting Agencies, My fraud packet, and police report. I have also attached the address which was deleted from my credit report due to fraud where XXXX is verifying the address.
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (GA)

I was turned over to Stellar Recovery , Inc by XXXX in XXXX XXXX for a debt of {$56.00} I was unaware of from XXXX XXXX ( showed up on my CreditKarma account name of company and amount ). Nothing in writing from Stellar. Finally received copy of final bill from XXXX after making 3 requests. Called Stellar and complained about not being notified of the debt in writing - was told by XXXX " we do n't have to notify you in writing. '' Spoke with her supervisor XXXX XXXX who said they did n't have my phone number ( I told XXXX XXXX I 've had my same phone number for 6 years XXXX had that phone number ) to call me which is why I was n't notified, however, she did have my new address, I asked why was n't I notified in writing she could n't answer. I told XXXX XXXX collection agencies are required by law to notify a consumer in writing giving them 30 days to respond by dispute or paying the balance. If a consumer does n't respond, they can proceed with collection procedures up to and including adding info to your credit report. Stellar did n't do anything but add my unpaid balance to my credit file and my score dropped XXXX points as a result. All XXXX XXXX said was, " I 'm sorry this happened to you I can tell you are someone who pays her bills. '' Not to mention this will stay on my credit for 3 to 7 years. Also, XXXX XXXX said I will have to call them back in 30 days to request a payoff letter as they will not send out a confirmation of payment automatically. Wanted my permission to call me on the phone just in case they needed to tell me something - I asked what they would need to talk to me about - I agreed to allow them to contact me by email first preference or by US mail and she argued once I refused to allow them to call me she then asked for my email. I declared my dissatisfaction of their bad business practices and told XXXX XXXX I would be filing a complaint with the FTC. Of the XXXX complaints I doubt mine will be addressed, however, I formally request immediate confirmation of payment made to Stellar Recovery and the collection be taken completely off my credit report.