davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (CA)

During the summer, I was working with account manager, XXXX XXXX, of Fay Servicing , LLC to secure a modification. The loan was in my parent 's name who are deceased but I became owner after I filed the " Death of Joint Tenants at the XXXX XXXX XXXX XXXX Office. I was also appointed Administrator. 
I submitted the modification papers to her in early XXXX 2015 and provided the necessary supporting documents as requested. 
My last verbal communication with XXXX XXXX was the XXXX week of XXXX where she informed me that their company had to send someone out to the property to take pictures from the inside and outside to assess the property and to confirm that the property is actually being occupied. She said that this was necessary as part of the modification application. Someone from XXXX XXXX came the same day to assess the property. As soon as I received a copy of the assessment a three weeks later ( see attached assessment ), I received a letter from Fay Servicing reading that my modification I did not qualify for the modification and that I have been deemed ineligible for " Failure to submit a completed initial Package in the time-frame requested. " I called XXXX XXXX many times to explain my I received such letter when I have submitted all requested paperwork to her in a timely manner. She never returned my call. I left several messages on her voicemail. I even called to see if she was in her office. The operator said she was in her office. I sent her an email on XXXX XXXX, 2015 at XXXX. Pacific Standard time stating " I just received a letter from Fay denying my modification due to paperwork not submitted timely. I have submitted all paperwork to your office you requested in a timely manner. What is the issue? '' There was no response ( see attachment ). After several calls to her office again, I emailed her on XXXX XXXX, 2015 at XXXX stating " I have called and emailed you concerning my modification and you have yet to return my calls or email. If I submitted all my paperwork to your office as you requested, why was I sent a letter staying [ XXXX ] that my paperwork was not submitted on time. Last time, I called, the operator said you were in the office. I think it is odd that I am not getting any responses from your office. Please reply. '' Still, no response ( see attachment ).
Consumer complaint received 2015-06-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TN)

I actually have XXXX private loan and XXXX Stafford loan service through American Education Services. I am trying to pay above and beyond on the loans and they have messed up the form XXXX times. I have been in contact with them at least XXXX times this month. They have consistently gotten bank account information, amounts, etc. incorrect and have almost overdrafted XXXX my accounts several times. I do not believe it is unreasonable to not expect to sit on the phone every single night for hours to get this right. I am EXTREMELY happy with other service providers and only want to move my loans to these providers and not AES.
Consumer complaint received 2015-09-14
Product: Consumer Loan — Personal line of credit
Issue: Managing the line of credit — 
Company: STERLING JEWELERS, INC. (MD)

I was the victim of identity theft and endorsements, contracts, accounts, etc., were made without my knowledge, consent, and or authorization. I never signed nor endorsed any contracts or applications that created any accounts for debt service with Kay Jewelers. I have NOT received benefit or value from the proceeds of the endorsement XXXX XXXX ), contract XXXX XXXX ), application XXXX XXXX ) and or the Kay Jewelers account XXXX XXXX ) directly or indirectly. All information pertaining this matter was given voluntarily for the purpose of establishing the fact of signature forgery and identity theft, in addition to blocking the information from my credit report, pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2. Kay Jewelers continues to report an account I did NOT open and/or authorize. Possible endorsements were made using my correct personal identifiable information that were stolen and or lost. Additionally this matter was reported to the FTC and local authorities.
Consumer complaint received 2016-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA (TX)

Dear sir or madam : I am writing you to complain and ask for your assistance regarding my current student loan servicer : Mohela. My federal student loans have been serviced by Mohela since approximately XX/XX/XXXX. I have renewed my application for IBR every year and on time. I have made every payment on time. I am a federal employee and I will be seeking Public Service Loan Forgiveness after 10 years XXXX/120 on-time payments. 

This year, I did not receive my taxes back from my accountant until XXXX/XXXX/XXXX. Mohela posted a link on my account 's webpage stating that I would have to renew my IBR plan before it expired and that to do so in a timely fashion, I would have to submit the documents by XXXX/XXXX/XXXX. Thinking that I would have to submit my taxes by upload to Mohela like previous years, I went to do so on XXXX/XXXX/XXXX. The link on my account was broken. I sent Mohela an email on XXXX/XXXX/XXXX, after waiting to see if the link was fixed. Mohela replied to me on XXXX/XXXX/XXXX, that I would be unable to submit my documents like I had done for the last 3 years and would need to do so through studentloans.gov. This website requires me to get a PIN and identity verification that can take from 1-3 days. ( I would also like to point out that the link still remains on my Mohela account profile stating to " click to renew my IBR plan since it is expiring '', but that the link redirects back to my " account home '' and does NOT provide any information about how to actually renew my IBR. I *only* found out how to do so by calling them today XXXX/XXXX/XXXX. ) While I am totally comfortable with submitting my current taxes through XXXX, I am complaining because AT NO TIME did Mohela inform me that I would have to submit my renewal in a different manner that would require me to wait an additional 1-3 days. Today is already XXXX/XXXX/XXXX. My concern is that because of Mohela 's failure to inform me about the new manner of renewing my plan, I will be very close to the XXXX/XXXX/XXXX deadline to renew my student loans. I keep track of all of my finances, including my student loans, like a hawk. This is cutting it too close for me and I fear that due to some unforeseen circumstance I will be unable to submit the documents by the deadline. 

I have had problems with Mohela before including their failure to notify customers of any changes or differences in their loan or their repayment renewal process. I had previously called Mohela in XXXX just to check on my loans and they told m that I would not have to submit the renewal paperwork until XX/XX/XXXX. I only knew that I had to submit the renewal documents on XXXX/XXXX/XXXX because I am very vigilant about my loans and taxes. I do not trust Mohela to be fair regarding their loans and I suspect that these repeated instances of misinformation are to get students to " miss out '' on Income-driven repayment plans and/or Public Service Loan Forgiveness.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

After my bankruptcy was discharged, I received written communication from Navient that I had to start my repayment plan would start on XXXX/XXXX/2017. Several days later, I received another letter stating my request for forbearance was approved. I did not request a forbearance and have not been in contact with Navient. I am planning on paying my loan back because I do n't want to accrue any more interest on my loan.
Consumer complaint received 2015-06-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I have XXXX private loans totaling about $ XXXX with Navient. They used to be with XXXX XXXX, but are now serviced by a company that I believe is fraudulent and inappropriate. Having had loans with XXXX XXXX for nearly 20 years, I have NEVER had any problems and am up-to-date on my payments. This month, I just want to speak with someone to request an adjustment for two months ( I am a XXXX and cash flow is slow right now, so I would like to pay interest only for 2 months ). However, I call their customer service number and am put through to a person trying to sell me coupons. Once I was done with the telling the person I did n't want his deal, he hung up - I was never put through to discuss my loan. I called again and had to go through XXXX different recorded advertisements for " deals '' only to get through listening to everything and it said, " Please hang up now. '' I tried again and received a new phone number to call - XXXX - that was another road to nowhere. Basically, there is no customer service. This company is servicing $ 11K of my private loans with interest, they have access to all of my personal data including my bank accounts, and they appear to be running a scam. I had NO say in who took over my loans from XXXX XXXX - but while XXXX XXXX was n't fabulous, they appeared to be a business with an actually staff and customer service that did there job. Now, I have with absolutely no control over the circumstances been put at the mercy of Navient and have my private information with a company that I do n't feel has the integrity or infrastructure or knowledge to be managing ANYTHING related to my student loans or finances. This is completely and totally ridiculous. If you do not actually have service members to service your customers and you are essentially running " deals '' over the phones to channel your customers to dead ends when they need questions answered, you are likely running some fraudulent enterprise. I do not know what to do, as I do NOT want this company to have any involvement in my personal world and want a company/bank with integrity to service my loans instead. What are my options? 

Thank you, XXXX
Consumer complaint received 2016-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (OR)

I consolidated my loans years ago to create a fixed rate loan. I was told by then XXXX ( now Navient ) that my rate would never change, signed paper work stating such, and in fact for the past 8 years it has been fixed at XXXX. Now I see that my interest rate has gone up to XXXX with no before hand explanation warning of the change. Navient is telling me that congress sets the rates ... but my loan is not a variable loan ... it is a fixed rate late that I was told could never change.
Consumer complaint received 2015-09-13
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: PREFERRED CREDIT INC (WA)

I came home on Friday and there was a letter sticking in my door. They said that I owe them and they were stopping by to collect the money that I owe them. {$170.00}. Failure to respond may result in legal action to satisfy the debt.I feel threatened by this company as if I was at home they were going to force me to pay them on the spot.
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (PA)

They call my cell number and my home number on the same day. They call both each day. They call and dont say who they are and ask for personal information. 

I have spoken to them and explained that this was an insurance error and that it would be paid in a week and asked them to stop calling for one week to see if it gets resolved. I also told them if it is not resolved in one week that I would pay it. 

I have asked them to stop calling and the above info XXXX separate times. 

They call from multiple unidentified numbers.
Consumer complaint received 2015-12-13
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (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 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 XXXX ( XXXX ), XXXX ( XXXX ), and Transworld Systems. 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 XXXX XXXX XXXX XXXX XXXX XXXX, NY 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, XXXX, or Transworld System. 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, PA XXXX Phone : XXXX Docket Number : XXXX XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX
Consumer complaint received 2015-06-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CO)

I canceled my membership to XXXX and then revived a notice from Transworld Systems saying I owe $XXXX. I tried to call them but the answering service hangs up, so I sent them a written request for proof of what they say I owe and have not gotten a response.
Consumer complaint received 2017-02-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (AL)

I have been on XXXX since XX/XX/XXXX. Firstly, XXXX XXXX XXXX XXXX AES ) has my out of school date as XX/XX/XXXX on its statement which is incorrect. The out of school date should be XX/XX/XXXX. Secondly, my loans came out of forbearance XX/XX/XXXX and I have been making a payment every since ; however just discovered AES has been charging me a {$15.00} late fee when my loan has not been late XXXX days. My XXXX direct deposit does not hit the bank until around the XXXX of each month. The AES due date is the XXXX of the month, and I just discovered that the student can request a due date change. Why did not AES mention this due date change to a XXXX student? I discussed my situation with an AES rep several times. Payments on the XXXX loans are {$37.00} each, and AES has assessed XXXX late fees of {$130.00} to my account. XXXX attached statements of XXXX loans that started out as {$3000.00} loans and are not up to {$5100.00} each. Also, attached is the payment history that shows the late fees. I want these late fees reversed.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Credit Karma (HI)

I am not sure exactly what may have caused myself to have a hard time getting a background check or creating a credit karma account to keep track of my credit scores. I got married 5 years ago and have changed my maiden name to my married name on both social security card and passport. In the past couple of years that I have applied for employment, for some reason, the employers could not pull up and files on me for a background check. And now that I 'm trying to create an account with credit karma, it seems that the information I have provided them was invalid. I have tried both my maiden name and married name but nothing came up. Please, any help would be appreciated!
Consumer complaint received 2016-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (CA)

I keep asking my student loan servicer to send me a copy of the original promissory notes on each of my Federal loans ( my copies were stolen out of my home ), and the loan servicer has only provided copies of the promissory notes for XXXX loans - there are XXXX other federal loans that they service for which they will neither send copies nor explain why the copies have not been sent. I 've been attempting to get these promissory notes since XX/XX/2015.
Consumer complaint received 2016-04-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

I was awarded the XXXX Loan repayment grant. I used a lot of it to pay ahead on my Private Loan to AES servicing. I wanted to be paid ahead 10-15 years on the private because my federal loans will be forgiven after 10 years. 
Well they now transferred my loan to XXXX, and now I lost all of that. 
I now owe a payment each month I was not anticipating paying.
Consumer complaint received 2015-12-13
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
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 XXXX 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, NY 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, PA XXXX Phone : XXXX Docket Number : XXXX XXXX Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX Phone : XXXX Case Number : XXXX
Consumer complaint received 2015-10-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (GA)

XXXX XXXX, 2015 I was told i could get my loan deferred upon summitting my military orders. I received notification that my deferment request was received. Apparently during that time i was still being billed to the wrong address, so i never received anything notification regarding making payment. On XXXX XXXX, 2015 I was told they sent out multiple letters for additional information regarding my deferment but i was never called. Now my credit score has decreased significantly because it shows that I am now delinquent and past due on payments which should have been deferred.
Consumer complaint received 2015-08-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (WA)

I just got rejected for a credit card and come to find out I have XXXX collections that I was never made aware of. 
I am disputing these charges for a few reasons. 
1. I was never notified of these charges2. I do n't owe any money to these creditors3. I tried to reach the collection agencies and received no reply or information from them regarding these charges
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (VA)

Discovered Navient has been raising my loan amount. My previous lender did not do so. Navient representative stated it was due to my interest rate. My interest rate is fixed and did not rise when with my previous lender.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

I have tried many times to get assistance or have some of my debt forgiven as I have had financial hardship. At one point they told me I qualified but it only changed my payment by {$0.00}. Yes XXXX cent! With that I have had to defer my loans for years causing the interest to now almost double what I owe. How is one supposed to get the balance ( loan ) paid down when you ca n't even afford the " payment arrangements '' they qualify you for?
Consumer complaint received 2016-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (VA)

NAVIENT IS THE SERVICER OF MY LOAN, I HAVE BEEN MAKING PAYMENTS FOR YEARS AND MY BALANCE HAS NOT MOVED. I SENT THEM A LETTER ASKING FOR STATEMENT SHOWING PAYMENT HISTORY NO ANSWER. I SENT THEM A LETTER ASKING THEM TO PROVE THEY OWNED THE LOAN AND THE PURCHASE OF THE LOAN FOR DEPT OF ED, NO ANSWER. THEY ARE IN VOLITATION OF FDCPA BY NOT PUTTING MY ACCOUNT IN DISPUTE ON MY CREDIT REPORT AND NOT ANSWERING MY QUESTIONS ON THE DEBT, THEY CONTINUE TO BILL ME AND IGNORE MY REQUEST FOR VALIDATION.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (SC)

I have been trying to lower my payments, or put my loans in forbareance for months, and every time I call customer service they tell me to find the paperwork online. When i go online, the website tells me to call customer service. I 've been on the rin around for months, and I 'm at the point where i dont evenw ant to pay them back. It 's so frustrating.