davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (OH)

I am currently on an income-driven repayment plan in which I have to re-certify annually. I submitted my certification documentation on XX/XX/XXXX. Since that date, I still have yet to receive a change in repayment plan. On XX/XX/XXXX, I contacted Fed Loan Servicing requesting a status update on my request and received a response on XX/XX/XXXX, stating that I would need to make a payment in the Standard repayment plan to proceed with the request to change my income-driven repayment plan. I paid the minimum due of {$360.00} on XX/XX/XXXX. It was communicated to me on XX/XX/XXXX, that my documentation had missing information-how often my husband and I are paid. I responded with the requested information on XX/XX/XXXX, and was under the impression that my request would be processed. I followed-up via e-mail with Fed Loan Servicing on XX/XX/XXXX, asking for a status update. I received a response the same day that I had satisfied the one-time payment and that I would be contacted once the review was completed. On XX/XX/XXXX, I still had not received any notification so I, again, e-mailed Fed Loan Servicing requesting a status update. I was informed by " XXXX '' that the payment that I made XX/XX/XXXX did not qualify and that the opt-out procedure had not yet been submitted. Please remember that I did not submit my request until XX/XX/XXXX, to begin the process so I 'm still unsure where the information about my XX/XX/XXXX payment came from and XX/XX/XXXX, they were supposed to submit the opt-out procedure. At that time on XX/XX/XXXX, I contacted Fed Loan Servicing by phone. The representative apologized and stated that there was a mistake on their end. He contacted his supervisor and they escalated the request. I received documentation from them on XX/XX/XXXX and XX/XX/XXXX, which the rep. stated would happen so, again, I thought things were moving along. Now, it is XXXX XXXX, XXXX, and I just received an update. My request was denied due to missing information-how often my husband and I are paid. I had already provided this information back on XX/XX/XXXX. I responded via e-mail to the request for the information and also advised them that I had already provided the information to them previously. I am very frustrated with this process and the lack of competency to complete my request. I have been through this process for a couple of years now and have never had this problem before.
Consumer complaint received 2016-09-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

I have been trying to get my loans on an income driven plan. I have FedLoan Servicing. They are a horrible student loan servicing company. I was particularly interested in the REPAYE plan. I was told that my old loans and my new loans would get on this plan. 
I tried before and they stated that I have to make one " standard ' '' payment before I can go on the plan. 
They never notified when the payment was due and I missed the payment. 
I tried again. This time I was told the standard payment would be due " in XXXX ''. I never got a notice but I saw my payments were due XXXX XXXX. I paid them XXXX XXXX. I sent an email confirming that and stating I should then qualify for reduced payment. They responded with a rejection letter. I have no idea why. The letter claims I was 15 days late. Its the XXXX of the month I do n't know how that is possible! 
I believe they want folks to go into forbearance so that the debt increases. 
Please SHUT THEM DOWN! 
XXXX
Consumer complaint received 2017-01-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (GA)

I was approved under the General Forbearance XX/XX/2016-XX/XX/2016. Although I have documentation supporting the facts from the service provider ( Fed Loan Servicing ) of the approval they are reporting me late for XX/XX/XXXX, and XX/XX/2016. XXXX, and XXXX updated my credit report manually since I provided the documentation and filed a consumer dispute. however each month Fed Loan Servicing is repeatedly reporting the late payments which in return has caused my credit score to suffer tremendously.
Consumer complaint received 2017-02-28
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 attended XXXX until 2014, at which point, I graduated with my XXXX, I considered continuing with my XXXX however I did not have the time to complete the courses. So When XXXX closed, I looked into the options I had regarding loan forgiveness. I contacted one agency that stated it could get my loan forgiven for XXXX dollars to keep my credentials, and XXXX dollars to remove all the credits as well as the loan, I suspected this was a scam so I contacted the dept. of education. I was directed to the XXXX Higher Education, where I was given a link to fill out a form to be submitted. As I understood the options, there was XXXX option regarding the fraud that was part of XXXX closure, as well as of for XXXX closing within one year of my graduation, and there were different options I could take, though no one really seemed to know what I should do. I printed the sheet and sent it in, hearing nothing back directly. When months went by, I found myself still not working a job within my degree field, as well as in need of car. Checking my credit report showed that I had Federal Loan payments that I had missed, destroying my credit and driving me further in debt, despite the fact that I had selected the loan deferral option on the paperwork I sent in. Calling the XXXX Higher education got me no where, telling me to call my loan servicer. My loan servicer said they had not received that paperwork, so would not honor it. I then searched out the paperwork I was to fill out for them specifically, and in the meantime decided I wanted to go to school for a separate degree, as the first had gotten me no where. Without a Job in my degree field, I thought XXXX XXXX would provide me the opportunities and salary options that I could make a career out of, and be able to afford to pay off future debts. I applied to a XXXX college, who requested my transcripts from XXXX I provided them and attempted to start my next steps in Education. I feel like I may have rushed myself, having just stared a new full time job ( Still not in my degree field ) I dropped the courses within 10 days of the start of term. Some month or 2 later, I received a letter from my loan servicer stating that I had transferred my credits to a different school, and unless I had a letter from the school stating that I was not using those credits, they would not forgive my loan. I looked into having the XXXX college remove those credits from my transcript, being more than willing to take the courses over, however they suggest I make a complaint to the CFPB regarding this matter before considering my request.
Consumer complaint received 2015-09-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (CA)

I took a private loan out during my undergraduate courses. The original loan was for approximately {$12000.00}. The original loan was taken XX/XX/XXXX and I started to make payments XX/XX/XXXX. As of this date I am still at {$16000.00}. This does not make any sense to me as I have made consistent payments since that time. Additionally, I made a payment for my monthly bill before the auto deduction occurs due to moving and wanting to ensure that my payment was made. They still took out the auto deduction causing me to overdraw my bank account and receiving additional NSF charges. I would like for your agency to look into their practices as I really can not explain why I am still no closer to paying off this loan than I was XX/XX/XXXX. AES Account # : XXXX
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: STERLING JEWELERS, INC. (FL)

I have submitted a complaint already with Kay Jewelers and have to submit an additional one this week that a representative is now calling me under a false called ID called Green Tea diet. I answered- and the lady said she was from Kays and immediately rushed to the subject of my debt, I told her that I said to them to stop calling me on XX/XX/XXXX, and I have received over 30 phone calls since then of them and another company with them called Sterling Jewelers , and I told this lady I will get with my debt after I get my police report from an office to fax to my jewelery insurance, and I said once again to stop calling me that my " attorney '' is documenting all calls and she proceeded to ask who my attorney was at that point. I was so furious that they are now calling under false names and now asking information that is none of their business. This is insane!
Consumer complaint received 2016-12-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (MD)

I would like to file a complaint against Capital Accounts and XXXX XXXX XXXX ( Dental Office ). I had XXXX at XXXX office from XXXX XXXX to XXXX XXXX. I paid all my outstanding balance before my final procedure. In the month of XXXX XXXX, I received a call from Capital Accounts that my account is outstanding in the amount of {$720.00} and XXXX XXXX is attempting to collect this payment. This was the first time I was informed of any outstanding due as I never received any communication from XXXX office - no statement or a phone call informing me of the same. I called XXXX office and found that my address was never updated in their system. I specifically remember I provided my new address to them prior to the start of the dental services in XXXX XXXX as I moved to my current address in XXXX XXXX. The office manager XXXX accepted their mistake and told me it is not the office policy to call patients regarding an outstanding payment. I told them to put my account on hold until I gather information from my dental insurance regarding the dues. However, my accout was reported to the credit bureas and my credit score significantly declined. XXXX XXXX 's office failed to communicate to me, failed to update the address and without making effort to contact me submitted my account to collections. My credit score has declined significantly due the failure on XXXX office to follow due procedure. I received threating calls from Capital Accounts every day even after informing them that I am working with the dental office to setlle this issue. I asked them to note that I am working with the dental office however, Capital Accounts informed me that they do not have any instructions from XXXX office. XXXX office on the other hand told me my account was put on hold when it was not done and was reported to the national credit agencies. My credit score has been hurt and my credit score has went down from Excellent to Fair in just 2 months.
Consumer complaint received 2016-12-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (CA)

The doctor messed up when billing the insurance, so they never received payment. Once I was notified, I set up a payment schedule and made payments until the debt was fulfilled. Then years later I find out I have a collection our from them for payments that were already made! What worse is since this was so long ago, I do n't have any documentation and they never provided me with recipes to verify my payments. Also, I believe this was done because I had a terrible experience at the office and posted a bad review online, so they " lost '' my payment to file a collection.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (PA)

I have both Direct and Private loans since I started college back in XXXX when the company was just Sallie Mae. In XXXX when Sallie Mae split into XXXX companies ( Sallie Mae and XXXX ) I was never informed whether that be through email or phone call that my loans will be owed through XXXX separate companies. Due to this fact, I missed payments through XXXX for up to two months. When I was finished college in XXXX, I called Sallie Mae to see what sort of repayment program I could be placed into to help me because at the time I only had a part time job making just over minimum wage. I was placed in the Graduated Repayment Program with an 11.5 % and 8.5 % interest rate and an amount totaling almost {$500.00} plus another {$150.00} for XXXX. I have asked numerous times if there is a program for me to go into that is based on my income and I was flat out told no. My father co-signed my loans and on of of my phone calls when I begged for a better repayment program I was told that my father needs to help me out and I quote " If he loves you enough he will help you for your loans. '' I was completely appalled at this statement from one of the Sallie Mae representatives. Never would I think that it would be ok to tell someone that. I am extremely frustrated, I am behind payments which is ruining my credit and I keep incurring late fees. I 'm not looking for them to forgive my loans, I simply want a more manageable repayment program where I do not spend my entire months paycheck to help pay off my loans.
Consumer complaint received 2016-03-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (CT)

I started schooling in XXXX XXXX at a private university- in order to pay for my education my parents ( mother, specifically ), co-signed on a private loan with Sallie Mae , with me as the primary borrower. During my time studying at XXXX College, from XX/XX/XXXX-XX/XX/XXXX, XXXX additional loans were taken out under the same borrower and co-signer, until I graduated in XXXX XXXX with an XXXX XXXX XXXX. After the grace period with Sallie Mae had ended, I was getting hit with large withdrawals from my bank account ( around XXXX dollars monthly ) that I was unable to keep up with, especially due to the fact that my cosigner is unable to help me make monthly payments. In XXXX XXXX I was finally able to negotiate lower monthly payments on the XXXX loans ( Sallie Mae refuses to consolidate ), I began to realize that these payments did nothing to affect the principal balance and was only covering their immensely high interest rates ( between 8-10.5 % on each loan ). I am looking to attain a reasonable rate that allows me to actually pay off over {$47000.00} in loans ( across XXXX loans ) in my name alone, since my co-signer is unable to pay.
Consumer complaint received 2017-01-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: MIB Group, Inc. (CA)

I requested a dispute with MIB about the information being reported by XXXX Insurance on my file. I explained to them that item is from XXXX, XXXX deletes that after 7 years, Normal credit reporting agencies delete info after 7 years. MIB states XXXX reported to them in XXXX, not my problem that is the date that they reported in on my file. Consumer Financial Protection laws protect comsumers from reaging information and it 's not even a debt, it 's information taken from my driving record which no longer appear on my driving record, that 's because dmv deletes it after 7 years, however MIB has n't deleted and it 's not A farmers insurance issue. it 's mib lack of understand of the fcra that i 'm protected under. 

i have attached the correspondence from XXXX as evidence that the incident is from XXXX and my current mvr that shows that incident is not longer on my driving record. I ask you once again MIB to delete those XXXX inaccurate items off my mib report. Again this is not an issue with XXXX Insurance, it 's an issue with MIB Reluctance to keep accurate information on my record.
Consumer complaint received 2015-05-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I went to XXXX college in XXXX and took out loans with sallie mae. I was never late on a payment or had any issues with them. Now that Navient took over it has been a headache. They send XXXX letters and bills a month you call and talk to someone they always say things are ok with the account, but then i get calls saying its late and is going to be reported. I call and set up a auto pay from my account and then call and say that it was n't taken out even though i prove that it was. Then they say well this must be a new loan and you have to pay. Then another person tells you that im up to date. Then i get XXXX different bills adding up to {$800.00} a month i call and talk with someone they say they do n't see that. My credit is going to get ruined because this company took over my loans and you ca n't get a straight answer.
Consumer complaint received 2016-08-31
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Total Card, Inc. (SC)

TCI - Total Card, Inc. calls me incessantly about a debt they purchased from XXXX. I know XXXX as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC. 

I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them. 

One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, XXXX, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well. 

I also have a letter dated XX/XX/2016 from Total Card , Inc. stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old. 

I 've since blocked their number, but they continue to call.
Consumer complaint received 2016-05-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (RI)

I received a 2 % percent raise at my job and my husband 's received an annual raise as well. Because of the increase in our income, we were denied a payment plan through Navient because we have disposable income ( {$300.00} a month ). We recently purchased a house so that we could invest in our future and move out of an apartment and were told that, regardless of our monthly rent payment becoming almost doubling for our mortgage, I was still told that they could n't help me lower my payment ( which equates to half of our mortgage ). The suggested that I have a bank buy out my loans and renegotiate my terms with them, which I have looked into. Most banks that I looked at had higher interest rates than my already high ones through Navient which seemed like a dead end to me. I was not asking for loan forgiveness, but simply to lower my payment so that we could have money each month both to save and to use for unexpected expenses.
Consumer complaint received 2015-05-20
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Bepensa Capital, Inc. (MD)

Back some time ago XX/XX/XXXX or XX/XX/XXXX I went passed a car dealership called XXXX XXXX with my at the time boyfriend who was trying to purchase a car. I was going to help him out with getting the vehicle but was unable to due to my credit not being the greatest. They gave another alternative of putting a big lump sum of money down and to my knowledge he nor I had all the funds to even meet their requirements for the down payment or loan. I never recall setting up an account and if an account was set up it was definitely had to be his responsibility because I was told I did not qualify. For some years now this company has been harassing me with phone calls threatening to come to my home and job for payments. I even on several occasions have told them do not call my phone anymore because not only will they call and hang up continuously without even saying anything. Their tactics are way too aggressive and have also called my family ... my older brother who I have NEVER lived with or used as a reference, they have called his wife 's place of employment and left messages for me on her phone, they have contacted my step dad who lives in XXXX and I reside in XXXX, they have called my mother, and at times that they have done so I would n't even hear from them. They have left messages that if I do not call them immediately they will issue a summons for arrest following a court proceeding. I disputed this company with all XXXX credit agencies a couple years ago and they were removed off of all my reports except for XXXX, they are continuing to report.
Consumer complaint received 2015-12-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MONEY SOURCE, INC., THE (NY)

I have submitted a workout package to The Source Money the servicer of my mortgage on XXXX/XXXX/15. After 2 months under review they are telling me that they can not do anything for me. I am a XXXX and I XXXX which left me XXXX from doing my job. I used my sick time, vacation time, but I have run out of it. My family is willing to help so I can pay my mortgage at least {$1200.00} per month for the next 3 months. After that I will be going back to work. The representative at the loss mitigation department XXXX XXXX is not helping and he is very aggressive. stating that it is not their problem if I can not make payment. I never planned to get sick while working. It is my full intention to keep paying my home. But I need some help. XXXX XXXX stated that because I have an FHA loan it is very difficult. I just need a break while I am getting better. I submitted them a copy of my doctor 's examinations that I am XXXX, I am recuperating slowly. Please help me. 

Thank you,