davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-10
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (CA)

To whom it may concern : After several years I am finally able to refinance my mortgage. In requesting my payoff there was a " corporate fee '' /escrow fee added to my outstanding mortgage balance of {$11000.00} that according to the current loan servicer XXXX XXXX was transferred from Selene Finance XXXX XXXX/XXXX/2011. 
I recall I used to pay my own property taxes and insurance directly, when my original loan originator XXXX XXXX sold my servicing to Selene they began to impound my property taxes and insurance. There was an arraignment of escrow payment to cover the amount that was paid out by Selene. 
I want a complete breakdown of items that derived this " corporate/escrow '' of {$11000.00} balance that was transferred to XXXX XXXX. I have no recollection as to how this substantial amount was derived. This is a substantial amount of outstanding fees. It has been very frustrating trying to identify where or how they were accrued. I would appreciate all your assistance in providing proof of how this amount was accrued, thank you. 
How do these small mortgage servicing company 's get away with adding such large amounts to outstanding mortgage balances without informing the borrowers. We are extremely upset that our outstanding loan balance is {$11000.00} more than we had anticipated, our new payment is affected etc. Very frustrating trying to track down the disconnect.
Consumer complaint received 2016-03-31
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Moneyguard LLC (MO)

I have obtained a loan from Turbo Cash but they have hit my bank account at XXXX, XXXX Missouri without my permission when I instructed them that the account was compromised and closed. Now they have caused me harm and they have now turned me over to the local Prosecuting Attorney for fees that I didnt authorize. Plus they are unwilling too work with me as I did fall delinquent. This complaint will also be submitted to the FTC as well as the states Attorney General and private counsel.
Consumer complaint received 2016-12-20
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. (CO)

I have called numerous times to this agency to ask for an itemized billing statement and each time I am told it will either get faxed to me or mailed to me. I never have received the information I have requested other than a simplified statement. The reason I am asking is because I have the suspicion that I have paid XXXX separate agencies for the same merchant.
Consumer complaint received 2016-02-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NY)

Ally Auto has billed me on numerous occasions for summons I have not received. When asked for a copy of the summons they claim they do n't have access and give you a summons number to look up on the DMV website. When you log into the website the number does not appear in their records. I have called the DMV several times and the summons number provided by Ally is never on file. They bill me for a summons they claim I received and add additional fees but can not provide documentation of the summons.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NY)

The monthly Federal Student Loan repayment calculation does not benefit single people. Instead, it benefits people who have a partner or a dependent, by allowing monthly payments to be recalculated and lowered if one has a partner or a dependent. Borrowers who are single have similar, if not more, financial burden than those with a family size of two or more. Permitting borrowers who are single to recalculate their student loan payments will decrease their short-term financial burden, and although may take them longer to pay off the loans, will put them in a better financial situation long-term to be able to save for their future.
Consumer complaint received 2016-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MA)

I have been trying for about 6 months now to enroll my student loans in the public service forgiveness payment. Every time I call, I get incorrect information from call center reps and/or they lose portions of my application. The last straw came today when I was trying to re-apply for the income driven payment plan for the third time after receiving inaccurate information about my monthly payments. When asked how many people are in my household, I answered one. The rep asked if I had roommates. I told her I did, and she said she would list them on my application in order to reduce my monthly payment. I told her that I was very uncomfortable with this arrangement, and that I would not be claiming my roommates as members of my household since I in no way pay for any of their expenses. In addition to the saga of trying to get into the public service forgiveness program, this arrangement borders on fraud.
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (AL)

In XXXX I filed bankruptcy after my husband and I separated. PHEAA claimed they were awarded a judgment against me while I was in bankruptcy however I never received notification and neither did my lawyer. In XXXX XXXX, I started contacting my student loan servers as advised by my lawyer once my bankruptcy was discharged. I was advised by PHEAA that I was I default and would have to go through a 9 month program. I advised the individual that I was recently discharged at which it had not been 30 days yet so how could I be in default already. I requested information about notification of this default in which he gave an address that was a year old. My lawyers updated my phone and address information once my bankruptcy began. The notification of default was sent a month after my bankruptcy was filed. I agreed to sign up for the program, faxed over my paperwork and then told it could take up to 6 weeks for approval. On XXXX XXXX a month later I was approved. I was told to go ahead and make my first payment and my direct debit would be in place for the payments going forward. Since then I have talked to XXXX other representatives because my direct debit was never set up. Today I received a report of default on my credit from PHEAA. They are closed of course and I am sure this is because no direct debit from them has processed through my account. This is tremendously disheartening I feel like they are intentionally doing this to ruin my credit and garnish my paycheck. I wish there was another way to make my payments through anyone but PHEAA and XXXX they are the worse with customer service. XXXX is even more difficult because everytime I talk to someone there I 'm told something totally different. I wish the retail market never crashed back in XXXX. I would enough income by now to pay them off
Consumer complaint received 2017-03-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (NC)

I am thoroughly concerned about the bank hacking my account in XXXX I was recovering from a XXXX I was so stressed that I did travel however the bank statement that I have when I went into the local bank that I felt and I know stole my money I actually attempted deposit Monies into a account which was mine checking it was not put into the savings but it was put into the checking 's account meaning that they did not move the money from one account to the next unbenounced to me when I did call to complain about it the bank manager quit the teller that was working there was no longer working there however I 'm clearly concerned about transaction date dated XXXX XXXX XXXX the amount of {$4600.00} was the depth it {$17.00} the confuse part about this is that some of the dates that 's up top on my transaction history are mixed up to confuse me on reading the dates however this particular date shows a balance of {$460.00} XXXX that 's the same amount that was available before the {$17.00} was taking out however the date XXXX. XXXX the amount that I just quoted of {$4600.00} is still the same amount from the previous balance and it 's not showing of deduction of XXXX. XXXX I also have several different transactions dated XXXX XXXX XXXX and to the right of that the date is dated XXXX XXXX XXXX check card purchase a {$15.00} running balance XXXX dollars in {$XXXX}. The next date is XXXX. XXXX XXXX dollars my account balance at that time was XXXX dollars in XXXX {$1100.00} was tooken from that on XXXX XXXX XXXX I had a balance of {$2100.00} XXXX and {$22.00} was taken from that I also have a transaction from XXXX XXXX XXXX my balance was {$2100.00} {$38.00} was taken from that the next date is it 's a lot going on with this account that I have that was printed out from the bank and give it to me however the dates are so mixed up but when I do my calculations I do n't understand it for instance XXXX XXXX XXXX from XXXX XXXX XXXX debit ATM balance inquiry {$XXXX} XXXX {$100.00} XXXX XXXX XXXX through XXXX XXXX XXXX debit a deduction of {$2.00} and my balance was {$2100.00} after that I have a debit date for XXXX XXXX XXXX XXXX XXXX with the serial number it does n't show where it was located but it just has a serial number XXXX XXXX you see XXXX XXXX the duction {$200.00} balance XXXX and {$6.00} this is very confusing and if the bank does not cooperate I would like to lunch this into another next station and I would n't like to make a dispute
Consumer complaint received 2016-09-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CO)

American Education Services uses deceptive practices in dealing with borrowers. I just learned yesterday that they have been charging me late fees every month for the past year-and-a-half because they claim that I missed a payment, and so every payment since then, though on-time, has been deemed late. When I asked if they would waive these fees, they said they ca n't because they are " rolling late fees. '' They also never resolved an issue I discovered about 2 years ago, when I learned that they had had me on an interest-only plan until XX/XX/XXXX, even though I had requested to be on a level plan. 

Below is a complaint I posted on the Consumer Affairs website in XXXX XXXX : I consolidated my loans at 4.75 % before graduating with an XXXX in XX/XX/XXXX. Since XXXX, I have been making monthly payments on my loans. Originally the lender was XXXX XXXX XXXX, but apparently AES acquired the loans in XXXX, XXXX when XXXX went out of business. I am concerned about several issues : I am charged late fees often, but without sufficient warning that my bill is due and that late fees will apply. These late fees are {$20.00}. XXXX had not served such high late fees. Also, AES is reporting these late payments to the credit report agencies, diminishing my credit - despite the fact that I pay monthly. I also frequently pay a greater sum than the minimum due - sometimes several times as much. I am concerned that these higher payments are not being applied toward the principal amount of my loan and I am not sure where the money is being applied. 

I estimate that I have paid at minimum {$20000.00}, likely {$25000.00}, to these XXXX lenders ( XXXX and AES ) over the past seven years. Yet my principal amount due has only decreased by about {$3000.00}. Though I have sometimes been on the interest-only plan, I have requested to be on the level plan for years. Yet I was just informed that I was on the interest-only plan until XXXX XXXX. Even if I were on an interest-only plan, at 4.75 % interest rate, this does not add up. Where has this money gone? On XXXX XXXX, I requested a full payment history from AES, including payments from XXXX, going back to XXXX. As of XXXX XXXX, I still have not received this payment history. I called AES on Tuesday, XXXX XXXX and was told that the request is " being processed '' and that I should have it by Friday, XXXX XXXX.
Consumer complaint received 2016-06-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Credit Karma (WA)

well I went on karma credit .com to check my credit report, and I seen on it that they had a judgement against me saying that I owe a balance of XXXX.well That 's the frist of every seeing that on my credit report. I have no knowledge of this credit person named XXXX : I do n't know who this person is, and of course I surely do n't owe anyone The Balance of XXXX so That 's why I 'm disputeing this on my credit report. I would like this removed off my credit report, as soon as poosible.because I do n't have any knowledge of this said account. thank you. XXXX
Consumer complaint received 2016-11-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (GA)

On XXXX the XXXX of 2016 I made a purchase at a store in the amount of {$130.00} for the remainder of that day I did n't make any additional purchases. I was contacted by Suntrust bank later that evening because a fraud alert had been issued on my account. I spoke with a representative from the fraud department and it was discovered that XXXX was charged on my debit card. I realized that I had lost my debit card and it was found and then used without my authorization or consent. Suntrust issued a provisional credit but later determined that no error occurred and reverse the decision along with XXXX of NSF to my account. I sent an affidavit of fraud disputing the charges. They then sent me an additional form asking me to provide more information why they should look further into this matter. I sent them a detailed explanation that I did not make the charges. I went on further to ask them to look at my previous spending trends as well as the areas in which I normally make purchases. The purchases that were made were in stores that I had never previous shopped nor was it in the area in which I live and normally make purchases. I suggested that they further investigate by checking surveillance and matching the time of purchases to see if I actually made the purchases. I also asked them to compare signatures with my own signatures on receipts as well as the fact that on most occasions I use my pin number to make purchases and they individual/individuals had to use a credit in order to make purchases which is n't consistent with the way I normally handle transactions. I also suggested if they were to locate the individual/individuals who make the said purchases they could not affiliate them with me in any way. After all of the information that I gave them to further investigate they still refused to reverse the charges and credit the amount back to my account. As a consumer I feel that my rights have been violated and I have unfairly been a victimized and the bank has violated my rights under the Reg E electronic funds transfer act. I am reaching out to your organization to help me resolve this matter as soon as possible. I am sure millions of other consumers have experience this in regards to banking institutions and it causes extreme stress and anxiety when you have been a victim and feel you have no rights or protections against others who set out to commit fraudulent activities due to lost or stolen debit cards. Please assist in the matter if you can. Thanks
Consumer complaint received 2015-05-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: STATE FARM BANK, FSB (CA)

After contacting State Farm Bank requesting information on an alleged account that appeared on my credit report, i requested a copy of any sign contract or application of credit and they refuse to provide me with anything and refuse to remove it from my credit report even after they can not verify that it pertains to me.
Consumer complaint received 2016-05-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CIR, Law Offices (CA)

On XXXX XXXX, 2016, I received a demand letter in the amount of {$2200.00} from CIR Law Offices XXXX. I am disputing this debt, because it does not belong to neither my wife or I. My wife and I will not pay a debt that does not belong to XXXX. 

This debt is a result of Identity theft. My Wife 's and my personal information and Identity was used with out our knowledge or consent. 

Further CIR , Law Offices XXXX Attorneys are failing to Identify them selves as Licensed Attorneys. Their demand letters have no BAR NUMBER identifying themselves as California licensed Attorneys. XXXX XXXX XXXX is not a licensed Attorney, and is representing himself as a Licensed Attorney and attempting to collect a fraudulent debt. NO Bar number is listed on XXXX XXXX XXXX 's demand letters who is representing himself as a licensed attorney.
Consumer complaint received 2016-07-05
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: NCP Finance (OH)

NCP financed a XXXX loan to a person of no association that used my savings account information with not authorizing loan with me. NCP debited my savings account for the loan unauthorized. I am getting no resolution of the problem. I have filed report with my sheriff department who is actively investigating the report. 
I am not the borrower or any association of the person who received the XXXX loan.
Consumer complaint received 2017-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Duncan Solutions, lnc. (GA)

I received a {$25.00} parking ticket from XXXX the company that purchased the rights from XXXX XXXX. My bank sent the check for the {$25.00} parking ticket which was delivered on XXXX/XXXX/XXXX. XXXX refused to acknowledge receipt. XXXX assessed an additional late fee of {$25.00}. XXXX eventually acknowledge the receipt of the {$25.00} and waived the inappropriately applied late fee. They then sold the non-existent {$25.00} debt to Professional Account Management LLC ( PAM ) who attempted to collect the waived late fee. On XXXX/XXXX/XXXX I informed PAM that the debt was non-existent and that they needed to go back to XXXX as they sold them a non-existent debt. Nothing was heard from PAM until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX PAM once again attempted to collect the non-existent debt. I informed them of the history. When the collector refused to look for the file I requested to speak to a supervisor. The collector then hung up the phone.
Consumer complaint received 2016-01-08
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (PA)

I have a dispute with Ally Financial over a lease for vehicle that has ended. Ally is demanding payment of {$640.00} because of scratches on a vehicle I returned to the dealership at the end of the lease. The term lease was for three years and XXXX miles. I took very good care of the vehicle throughout the three year term of the lease, and returned it with XXXX miles, XXXX XXXX less than I essentially paid for. Ally Financial is claiming that the XXXX scratches ( mainly on the roof and hood of the car ) amount to " excess wear and tear '' because the XXXX scratches are more than XXXX inches in length. 
Ally 's lease is, by its own terms, the entire agreement between myself and Ally. The excess wear and tear provision in the lease is quite specific and detailed. Nowhere within the excess wear and tear provision is there any indication that scratches a certain measurement amount to excess wear and tear. 
This is not an argument on a technicality. I reviewed and relied on the lease and its terms before returning the vehicle. I also visited the dealership with the car for assistance in making sure there were no issues with excess wear and tear. The dealership representative told me the car was in excellent condition and that because I was returning the vehicle with less miles than I was allotted ( XXXX less miles ), I was pretty much returning a vehicle with more value than could have been expected. 
What Ally is doing is attempting to enforce its unilateral determination - outside of what is described in the lease - of what constitutes " excess wear and tear. '' That unilateral determination is performed outside the presence of the consumer, without the consumer 's knowledge, on terms not agreed to by the consumer. I have no doubt that Ally has collected monies from other consumers under similar circumstances and it is in my view a bully practice. 
I have written a letter to Ally and it has not responded. In fact, I have never received any final notice indicating that I owed the amount referenced above. Instead, I was sent a " reminder notice '' of the owed amount, and after I called to confirm this was a mistake, the representative told me I did owe the amount and could not explain why a final notice was not sent to me. 
I am concerned about my the amount that Ally claims I owe. I am concerned about this affecting my credit at this point. I am also concerned about this type of bill collecting. I am troubled by Ally 's failure to respond in a reasonable manner. Despite my best efforts to resolve this with Ally, it does not appear to be going anywhere.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

I have disputed this account with Experian on several occasions as well as filed a complaint being that the account is reported wrong. This account in not included in bankruptcy as it is currently reflecting on my Experian credit file as a negative information. I contacted the company which is XXXX to inquire as to why they are reporting inaccurate information. The company mailed me a letter as to what they are reporting to the credit bureaus. This goes to show that Experian has not correctly investigated my disputes. Attached is a copy of my credit report and a letter from the agency.
Consumer complaint received 2016-06-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MI)

I have a credit card opened in my name that I did n't open. It has been two weeks and they said they were going to send paper work, but they said no paper work they are just going to call my credit companies and have it removed. I purchased a pair of glasses at XXXX and the next day someone opened a credit charge account at the store. It has made a severe Impact on my credit score, beings that my credit score is really good.