davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Red Cedar Services, Inc (FL)

Received a loan on XXXX/XXXX/15 from XXXX XXXX XXXX XXXX XXXX XXXX of {$150.00}. They want a total of {$850.00}. XXXX repayment. That is 780 % interest. I am unable to make the payments due to XXXX other advances I have. 

Recieved a loan on XXXX/XXXX/15 From XXXX XXXX XXXX XXXX XXXX of {$350.00}. I have paid them {$970.00} so far and owe a balance of {$420.00}. 

Received a loan from 500 Fast Cash XXXX XXXX XXXX of {$500.00}. I have paid them {$550.00} so far and owe a balance of {$250.00}. That 's 377.59 % interest. 

I was desperate at the time. I had now other way to pay rent. I am on XXXX and can not afford to pay them what they are asking. I tried to work out a different payment plan with them and they refuse to help me.
Consumer complaint received 2017-04-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (ME)

This information within this complaint is new and material evidence : As to complaints #  XXXX , and #  XXXX , your answers to the CFPB, a Federal agency, you answered complaint, by stating  XXXX  reviewed the payment reconciliation and determined a payment of {$6900.00} was received on  XXXX   XXXX ,  XXXX . This payment was applied as the  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and   XXXX   XXXX    monthly payments of {$1100.00} each. The next payment we received after the above application was on  XXXX   XXXX ,  XXXX , for {$1100.00}, and was applied as the   XXXX   XXXX    monthly payment.     According to documentation I received, from the  XXXX  of Pennsylvania  (  please view attached ), there are major discrepancies, in regards to the amount of monies dispersed, in comparison to your actual documentation. The amount paid to you, from the PA  XXXX   XXXX   XXXX , was {$6600.00} (  XXXX ,   XXXX   XXXX  , and  XXXX   XXXX   XXXX   ). This hereby means there is a missing payment of at least {$280.00} (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . Please compare my included attachments with your previously sworn statement to the CFPB, an agency of th e US G overnment.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (FL)

I contacted Synchrony bank several years in an attempt to resolve a past due balance on my amazon store card. I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with Synchrony, I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (NY)

I submitted a re-certification application for my Public Service Loan Forgiveness program and for a change in my repayment plan. Fedloan Servicing denied my application because of " the use of an invalid signature ''. However, I definitely signed the document, and so did my wife. We did n't change our signatures. I think this denial is baseless, merit-less, and a stalling tactic.
Consumer complaint received 2016-05-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (GA)

Due to some transactions that were double billed by a company XXXX, Suntrust hit me with over XXXX overdraft fees in a less than 2 week period. I 'm happy to eat the costs of some of these transactions, even though they are not my fault, but would like suntrust to be reasonable in that this amount is excessive and the transactions should not have been approved in the first place
Consumer complaint received 2016-12-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (GA)

I have recently discovered that AES has been billing me for the student loan that I have not borrowed. I have not taken a college course in California and have not taken out a student loan, private or Federal, from a college in California, especially from XXXX XXXX University even though I was admitted to XXXX XXXX University in XXXX XXXX, CA in 2005. I withdrew within a few weeks before the semester started and I did not take out a student loan. For many years, I have requested AES to provide the details about this student loan that AES has been extorting money, interests and fees from me. AES has long been non-responsive regarding the matter. Recently, I discovered its flaw and contacted AES to correct the errors. AES responded by stating that it mailed out the Affidavit Form to file for the fraudulent ID theft as the formal procedure to deal with such an issue. I waited for a few weeks but the Form was not in the mail. I contacted AES again and it stated the same that the Form was mailed out while AES has been waiting for its return, without which AES would continue to bill me. 
AES has fraudulent been forcing me to pay for the loan that AES claims I owe and now it demands that I am responsible to prove that I do not owe the loan while AES continues to illegally extort money from me. How injustice! I have submitted the document per AES request pending its review. Meanwhile, I do not wish to continue paying for the student loan that I do not owe and can not risk to have AES ruin my credit histories. I would like your assistance to resolve this issue quickly without any further harm to my credit scores and financial obligation for some loan I do not we. I would like to get my full refund of about {$39000.00} in debt, interest and fee payments AES has been extracted from me. Please help.
Consumer complaint received 2016-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (UT)

when trying to repay the loan I have had to call after every payment to see that the monies are applied correctly. I have the min payment set up automatically which should cover all of the interest of the loans, then I am adding an additional {$240.00} per month and fedloans applies the payment to future dated INTEREST payments, instead of to lowering my principal balance.
Consumer complaint received 2017-04-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION (NY)

My wife and I wanted to travel to  XXXX ,  XXXX  for  XXXX  of   XXXX  . My wife is Peruvian and all of her family is there brothers, sisters, mother, and father which she has n't seen for many years. So we decided to plan a trip myself, wife and my daughter for the holidays. A mutual friend recommended a travel agent she has used once. Thi s Travel  agent lives in  XXXX ,  XXXX  the reason we decided to go with her because she found tplane ticket for a very good price especially for during the Holidays I was surprised she got them so cheap. Anyway we went ahead with the purchase and used a company called  XXXX  which is owned by  XXXX . I sent {$590.00} from my account and my wife sent {$1400.00} totaling {$2000.00}. What happened is just horrible first we never received any plane tickets and did n't travel my wife was very upset and sad by this as was I. So we began to contact the travel agent and she never responded we called by phone, or  XXXX , and also  XXXX  we tried many ways to communicate but we got no response. So I put in a claim with my bank Chase and they told me they ca n't because I would have to go af ter Xoom, So I did I followed all the procedures that Xoom requested and they investigate  d  for about  XXXX  days and they denied my claim of fraud their reason is because I authorized the charge well of course I had to authorize the charge in order to receive a product worst customer service they do not care about you or what happened. I called  XXXX  many times and all I get is getting put on hold for hours on end most times I could n't sit on the phone so long because no one would pick up. I asked xoom to give me their main corporate office and they said they have no phone number to give me. So I called  XXXX  because they own them and they are just as bad as xoom kept on hold and the run around. So I decided to call my bank  XXXX  to get more info and  XXXX  told me to go after the bank they used for the transaction which is  XXXX   XXXX  Bank so I did I am taking them to small claims court to try and get my money back. We worked so hard and long saved what we can to make this trip and just to hear from thes e four major companies and not one wants to return our money is very frustrating and exhausting especially for me a stay at home dad taking care of my daughter with medical issues on top of that having to run after these companies and hearing lie after lie. I have followed all the procedure that they requested even went to the Police Department to file a complaint and it 's still not good enough. All we want is our money returned to us by either Xoom ,  XXXX , or  XXXX   XXXX   XX/XX/XXXX .
Consumer complaint received 2016-02-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (NJ)

I just started working 2 months ago. I consolidated and adjusted to government student loans. But the private student loans wanted money before I even got paid my first check. So I was in the rear from the beginning. They would not let me defer for another month, they will not change the due date or adjust the amount that I am able to pay. Even with a second job on weekends, I do not earn enough to pay the rent and the student loans. 
Are there any laws that they have to make some adjustments?
Consumer complaint received 2016-06-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (NH)

I am the co-signer on my daughters student loan with Sallie Mae. Her loan payment should have been made in XX/XX/XXXX and my daughter was having trouble. She called and called ; they were rude and demanding ; not wanting to listen to her. After about 6 times calling she final was able speak with a manager. They talked on XXXX XXXX, 2016 at XXXX. and the call lasted 24 minutes. They worked out a payment plan that started on XXXX XXXX, 2016 and ends on XXXX XXXX, 2016. Then, they would reexam her finances or continue with that amount and only the date might change. I also spoke with them on XXXX XXXX, 2016 to give them my financial information. We were told that if a payment plan was set then the clock would go back to XXXX and were would not be reported. On Friday XXXX XXXX, 2016, I received a notice from the credit bureau that we was reported on all three of the loans on XXXX XXXX, 2016 and my daughters first payment was due on XXXX XXXX, 2016. If either one of us had been told that the payment needed to be made by XX/XX/XXXX it would have been paid. It seems that Sallie Mae is back doing poor business practice ( predatory practices ) and misleading their customers in order to get late fees and ruin customers credit at the same time. I ask for your assistance in not allowing Sallie Mae to get away with these forms of practices and to have them removed this from both our credit rating. Thank you for your time ; Sincerely yours.
Consumer complaint received 2020-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (NJ)

L J ROSS ASSOCIATION XXXX is owed from XXXX XXXX XXXX and it was opened, XX/XX/XXXX, XXXX this is not mines i been trying to get this off of my credit report for a while. i never had a apartment before so could i even have a electric bill.
Consumer complaint received 2022-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IN)

Completed forms for the PSLF & TEPSLF certification and application were submitted for time periods that I worked full time at the XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX, XXXX ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were submitted twice on XX/XX/XXXX and XX/XX/XXXX. However FedLoan did not count these time periods as part of my qualifying payments.
Consumer complaint received 2017-01-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (MI)

I have been making my payments to UAS ( University Accounting Service ) regularly for several months now. I recently change banks. So when I went to make my most recent payment, I deleted the old bank account and added the new account. It was approved. But now UAS is charging me a {$20.00} fee saying they can not process the payment because there was no account attached. THEY APPROVED the new account!
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

While checking my credit report in  XXXX   2017  I noticed that  XXXX  company was being deleted and then it reappeared. I 'm not really sure why the company feels the  need to delete an d then re-add the debt which in returns causes my credit score to go up and down.
Consumer complaint received 2016-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (CA)

Scam and charge for consolidating student loan. Great Lakes Servicer Referred me to a scam called XXXX XXXX XXXX. Illegally charged me XXXX to consolidate my loan. It was the fault of Great Lakes who did the referral.
Consumer complaint received 2016-01-14
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: URS Holding, LLC (CA)

The roe-brat call left a message, at XXXX, Thur. XXXX XXXX, 2016, " This is a debt collector, J.C. Christensen, you must call us at, XXXX. 
I have no business with J.C. Christensen or any other debt collector.
Consumer complaint received 2016-07-26
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TMX Finance LLC (CA)

TitleMax of XXXX, California disclosed my personal information to former friend of mine regarding my debt. They got this info off my reference document provided. I no longer speak to this person, until they contacted me and told me they were being harassed by TitleMax. They informed my friend that she needed to speak to me, where she was from and what it was regarding. Prior to this, a tow truck driver showed up at her house looking for me and the vehicle. Speaking to my friends father and disclosing more information about my debt and why they were there. 

I have made REPEATED attempts for them to stop. I informed them to come collect the vehicle and they refuse to do so. It is my opinion that they refuse to collect the vehicle to they can continue to keep collecting interest at high rates in hopes of getting this money later.
Consumer complaint received 2015-05-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (VA)

I deposited XXXX into my suntrust checking account on Thursday XXXX. I never received any communication on when the funds would be available. Moreover, SUNTRUST violated Reg CC policy where I should have received atleast {$200.00} next business day and upto {$5000.00} by 2nd business day.
Consumer complaint received 2016-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (FL)

I have been making student loan payments since 1996 when I graduated from school. The principle amount on my loans has decreased very little despite paying both principle and interest each month. If this were a home mortgage, the home would almost be paid in full at this time, but not so with the student loans.
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

I had gone into default, started paying back to XXXX, went on a rehab program for 9 months of payments to get on good standings & out of default. XX/XX/XXXX to XX/XX/XXXX. After that my loan was turned over to Navient they had said I did not need to pay till XX/XX/XXXX, but I paid in XX/XX/XXXX & have made payments since then of XXXX a month.My payment was to be {$5.00} a month.Applying {$5.00} to each loan. 
My complaint is that now they want me to paid {$190.00} or more a month, I 've explain to them that i can not make this kind of payment. I 've been telling them when my payment for XX/XX/XXXX went to {$190.00}, called them XX/XX/XXXX. At that time was told to go to their website to change payment their repayment options they only give you change your payment forbearance & deferment I did that and it said i should be paying {$350.00} with the info they needed on web site. 
Was told in XX/XX/XXXX that i could apply & qualify for an Income-Driven Repayment Plan, given the option to apply online or to print my application, I was sent the link by e-mail to do this : sent in on XX/XX/XXXX I applied. According to the Student Loan.gov web site I qualify for the Income-Driven Repayment plan since I do not make a lot of money ( {$8500.00} last year 's taxes. ) I was told it would take 16 days to process and be in touch with me.Had not received no notice from them on anything about this. 
I called today XX/XX/XXXX since I received a bill saying my payment is to be {$180.00} due.When I spoke to them today they said I did not qualified since or they ca n't process since some payments are not due till XX/XX/XXXX.I had to be current not ahead. 
I explained again how I cant afford these payment, Navient said that she would make a ticket to see if can be put on Income Driven Repayment and put my payments on a payment calendar so my payments are current. Not sure what that all 's means.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OR)

- When my loans transferred from XXXX to XXXX, I was told that all information including my XXXX plan information, my payment amount, and direct debit information would transfer with it. 
- My loans were transferred as of XX/XX/XXXX due to participation in XXXX - XXXX was not able to give me any information regarding my loans from XX/XX/XXXX through XX/XX/XXXX with no explanation ever given. 
- On XX/XX/XXXX, I was told that my payment amount would be $ XXXX, on an XXXX plan - I paid the XXXX amount and set up direct debit for the regular monthly payments - On XX/XX/2017, I paid a lump sum on a single loan that I wished to pay down the principal of. I chose a high interest loan that I wanted to pay down at an accelerated rate. 
- My online account continued to reflect a monthly payment of $ XXXX - XXXX week later, I received a letter in the mail, dated for XXXX/XXXX/XXXX, stating that my monthly payment would be $ XXXX, due to my XXXX having expired. I had renewed my XXXX in XX/XX/XXXX, with XXXX, so this did not make sense to me. 
- I called XXXX who were unable to explain why my online account still stated a monthly payment of {$290.00} and I got a letter stating {$2800.00}. They refused to attempt to contact XXXX to confirm that I had renewed my IBR. They stated that I had to pay {$2800.00} for XXXX ( which was XXXX weeks away ) or put loans into forbearance. 
- Therefore, I asked for PART of the lump sum ( {$2800.00} worth ) to be reallocated to the XX/XX/XXXX payment so that it would be covered while I reapplied for XXXX due to the error in loan transfer. 
- Instead of reallocating part of the loan, they instead just redistributed the lump sum to " pay my account ahead '' in spite of my express wishes to use the majority of the lump sum to pay down the highest interest loan. 
- I have called twice since this occurrence to ask the the payment be appropriately allocated, and they still have not corrected the error. 
- In addition, they received faulty information from XXXX that my loans had been in forbearance from XX/XX/XXXX through XX/XX/XXXX. This is inaccurate. I paid monthly PSLF-qualifying payments to XXXX from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX payments by my count. They refused to contact XXXX to correct this misinformation and have therefore given me no credit for XXXX PSLF-qualifying payments during the time I was at my former employer. I sent the documentation proving that I had made payments and have received no response regarding the matter. 
- At this point, I have called XXXX XXXX times and spent about XXXX hours of my time on the phone with them. I work as a busy primary care physician and XXXX hours of my time is approximately {$400.00} based on my hourly wage. Every time I call they state they will correct the error only to generate new errors or fail to correct existing errors.