davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-13
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Aargon Agency, Inc. (CA)

My account for XXXX XXXX I received from XXXX XXXX XXXX was placed at AAGON Agency for collection. The information in my file contains my personal information including my SSN. Recently I have noticed suspicious active on my credit report in the time my account was place in AARGON Agency. I have notified the credit reporting agencies and was advised to confirm that any third party that received my information in 2015 is compliant with XXXX CFR Parts XXXX, XXXX, and XXXX Health Insurance Reform : Security Standards ; Final Rule, Gramm-Leach-Bliley Act and California XXXX. XXXX and XXXX. XXXX. I have made the request and AARGON refuses to provide this information
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TN)

I 've been repaying on my loans every month since my repayment plan kicked in after XXXX in XX/XX/XXXX. My original loan amount was around {$86000.00}. My original lender was XXXX, now Navient. My private loans are currently under forbearance due to cost. To date I 've paid close to {$60000.00} towards my loans and I 've only seen a decrease in my principle balance of about {$8000.00}. My currently monthly payment towards both fedaral and private loans totals {$750.00}. And they are currently on a 30 year repayment plan. One of my private loans has an interest rate of over 14 %. That 's almost a predatory level of interest for an education loan. I feel like I 've been completely taken advantage of with no one to turn to for help. I 'm literally bleeding money to this lender and no one cares.
Consumer complaint received 2017-08-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

US Bank XXXX says that the account balance is higher than actual balance. They burned me out of many overdraft fees although the account NEVER had a negative balance. They are stealing my money, and I resent it. They are rich, and I am poor.
Consumer complaint received 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

Left XXXX XXXX after a semester once known that none of it would be credited, and school closed down shortly after. Never gained any credits or anything from that school, Naviant denies loan forgiveness even though itt tech was sued for fraud and discredited by Department of Education. Not only that Naviant is now being sued for fraud in the same timeline this it happened. They did not help or give much choices, just you can postpone until you pay the amount. Both insitutions were conducting fraudulent activities preying on low income.
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

Navient is just poor, all around. Poor customer service, poor loan servicing, poor plan options. I have submitted paperwork for a lower payment on two different occasions, yet they tell me they did n't receive it, or they tell me it 's processing. I can not afford the payment they are STICKING me with and they are not giving me any other options. I have submitted bank statements and all required documentation.
Consumer complaint received 2017-02-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OR)

Date : XXXX/XXXX/2017 The Navient representative states that I called in the beginning of XXXX to set up payment, and that the payment was drafted including a one-time charge of {$1.00}, which was reversed from the bank. This resulted in the automatic debit not working, and the forbearance to get the loan back-on-track failing. Representative states that I was contacted about the situation, but I never received any communication over the phone, in email or via mail by Navient or even my bank regarding the transaction.Because of this, my payments went back into a negative, past-due status. Today, I made a payment of $ XXXX to bring the account current again using the same methods used the last time. The representative stated that they will keep a tab on the {$1.00} charge to make sure that it is not reversed again, and will follow-up. I would receive a call from a XXXX XXXX XXXX mobile telephone # if this is the case. Otherwise, my next payment of $ XXXX will then be drafted on XXXX/XXXX/2017. **Please note that this is not the first occasion that has happened with Navient XXXX The above is XXXX of the documented cases that I have with the company. This has happened before as I needed to postpone a payment so that I could cover living expenses, and get caught-up on other important bills. XXXX XXXX and Navient has done very little, if anything at all to work with me. I 've had this XXXX private loan for 10 years now, and all of the money I paid has gone to fees and interest charges. The loan is exactly the same amount as when I had to take it out over 10 years ago. Nothing is ever explained well or documented and it is always a mystery game with them. It 's very unsettling to me.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

When I first started having issues making payments, I was told I should get a forbearance but only if I paid a {$150.00} fee. That {$150.00} fee was a processing fee that {$0.00} of went towards my loan. There was a petition and protest about this a few years ago and they finally stopped doing that but I was forced to pay that {$150.00} fee a number of times before they ended that practice. Whenever I called to talk about figuring out a payment plan or lowering my payment, they were very unhelpful and I usually ended up in tears. It was never an issue of them honestly not being able to lower my payment, they just wanted me to pay more. I was asked by a number of reps if I could get money from family or work a XXXX job and even told that I was being irresponsible by not being able to afford the monthly payment. I am no longer under their thumb as my husband and I sold our house and the first thing we did was settle on our loans so we would n't have to be harassed by XXXX/Navient anymore. My husband and I each had cosigners on a couple of our loans. My mother and father were each cosigner on a few of mine and they were harassed repeatedly by XXXX XXXX. I asked them to stop calling them and they told me I had to send a letter in to them by mail to request that. I did so and found out later that they continued to harass my parents. When I contacted XXXX XXXX to ask why my request was not being followed I was told that they received my letter and had it in their system but they did n't have to follow it because I had not hand signed it ( which I believe I did do ). I have a brother-in-law who lives in XXXX and is fairly well known there. Someone from XXXX XXXX called his house and talked to his wife asking about my loans. When I called and asked what that was about they said they could n't get ahold of me so they wanted to get my attention. My husband 's grandparents were a cosigner on one of his XXXX XXXX loans as well. His grandmother passed away a few years ago and his grandfather remarried. His grandfather had moved to XXXX and was in XXXX and they were calling his wife 's house and sending letters to harass her. After he died they even tried going after his estate. XXXX XXXX is the most despicable entity I 've ever encountered.
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MO)

I would like to file a complaint against Chase Mortgage due to their communication practices. My husband and I have been homeowners for XXXX years, up until the past couple of years due to unforeseen circumstances we have always had an excellent credit score. My husband lost a very good job in 2006 and it took up until this past XXXX to replace it with a job that has an equivalent salary. The problem is that during the time that he was unemployed or very underemployed our debt continued to rise. About XXXX months ago for the XXXX time ever, we got one month behind on our mortgage and it just could n't have been avoided. Now since we have a not so perfect credit score that we are working very hard to bring back up, Chase finds it necessary to call our home several times a day. Last week I told them XXXX times in the same day that the payment for the second mortgage had been made and they needed to give it time to show up in there system. Keep in mind, due to our pay schedules we have always paid our first mortgage on or close to the XXXX of each month. They are now relentlessly calling my home with " courtesy calls '' when I have told them that the payment will be made on the XXXX as our pay history shows that we do. The " courtesty or reminder '' call I can understand. I understand that I owe them approximately {$200000.00}. However, I can not understand their reasoning behind calling me several times a day, increasing our financial stress which impacts our health negatively. We have been through a lot since 2006 financially, emotionally and everything else. My credit is very important to me, but I think it is a waste of my money and every other mortgage and/or stock holders money out there for them to employ people to CALL SEVERAL TIMES A DAY AND HARASS people who were impacted very negatively by the economy and many cutbacks and are working hard to pay their bills. What they are doing is harassment and it needs to stop. I do n't need a reminder for my mortgage - I think about it daily. I hope you can do something to stop them from this distasteful practice. This makes absolutely No Sense when the account has a XXXX day grace period. When I can pay ahead, I will but I am not currently in the position to do that and do n't really need them telling me that is what I need to do. Trust me, if it would make them leave me alone, I would. Thank you for your time.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (FL)

I applied for a Chase Sapphire Reserve credit card on-line from their official web site and my credit card application was denied because of a XXXX rule ( I applied for more than XXXX credit cards in the last 24 months ), which was not clearly written in the application page.
Consumer complaint received 2015-11-17
Product: Credit card — 
Issue: Convenience checks — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX Chase credit card company mailed me a check that i can deposit to my bank with 12 or 18 month, until yesterday, i login in to my account and realize that chase credit card company charged me {$20.00} balance transfer interest. Every month, chase notify me by email when monthly payment due day and also notify me due day before 5 days and i do n't know why chase did not notify me when the balance transfer interest will start on XX/XX/XXXX. I called them up last night and i was told by them that there has a message on the last page of the statement ( total XXXX pages on the statement ), there total XXXX pages at statement and it 's small words on the last page that told the balance transfer will expired on XX/XX/XXXX. If they can notify me through email that my monthly will due in 5 days and why should n't they notify me by e-mail that my balance transfer interest will expire on XX/XX/XXXX. This is very tricky and chase credit card has to stop doing this. I have no problem to pay this {$20.00} interest but they have to stop doing this way as it 's affect so many people. if they notify me earlier and i can pay off that amount before interest expired.
Consumer complaint received 2016-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: COAST PROFESSIONAL INC (CA)

My complaint is against Coast Professional , Inc. whom is handling a collection on behalf of XXXX University whom I owe a student loan balance with. I originally contacted them on XXXX/XXXX/16 in the late afternoon and left a message at XXXX with no call back. My second call to them was on XXXX/XXXX/16 at XXXX and I spoke with a XXXX XXXX and I told him that I could afford to pay {$60.00} dollars a month starting on the XXXX of each month. Unfortunately there was a problem with my debit card, so on the XXXX of XXXX the payment was rejected by my bank and it was about a few days after that I my bank had notified me that they had n't process that automatic debit, so on XXXX I called and spoke with a XXXX at XXXX and told him that I would n't be able to do the automatic payment and to cancel it and instead I would be mailing my payments to them. I have made payments on XXXX/XXXX/16 credit card payment, XXXX/XXXX/16, XXXX/XXXX/16 and mailed another {$60.00} payment on XXXX/XXXX/16. Yet on XXXX/XXXX/16 they reported me to XXXX and I 'm wondering why they have done this since I have been paying the agreed upon amount and they have willing accepted my payments. I want that collection taken off my credit report. Also, I have never ever received a call from them nor have they bothered to send me any type of bill within the last two months as to what my current balance is at this time.
Consumer complaint received 2015-03-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CO)

I have had a XXXX credit card with Chase since 2008. I use it regularly and always pay the full monthly balance. They charged me my annual fee of {$60.00} in XXXX. 
I have already paid my XXXX balance in full. 
Today my credit card was rejected. When I returned home and checked online, it said my account was closed. I called Chase and was told they can not give me a reason or tell me who or why it was closed. They said it is their prerogative. That the only way I can request information is writing and sending a written request to a Chase address they gave me in XXXX. 
I am leaving town Wednesday and will need the credit card for travel expenses as well as have regular incoming bills that are automatically charged to Chase and a charge I have already given to my XXXX to be charged to Chase. 
It is frustrating and inconvenient to be treated with little regard by the banking industry. 
Besides an explanation, I want my full {$60.00} fee returned and do not want this to affect my credit rating.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank requires that I furnish my SS # on a Recorded Line or they will refuse any communication re. my XXXX Bank Accounts and XXXX Mortgage. I request that they accept the last XXXX digits of my SS # like other institutions, they refuse, it is not their policy. Or I offer to give them my entire SS # on an unrecorded line, they refuse. I ask for alternative verification, there are none. I ask to be referred to a Supervisor and each time I am transferred, I receive this message after a few minutes : " Sorry, we can not continue processing your call ''. 
With serious Privacy Concerns these days, I am very careful who I give my SS # to, and do not trust that a recording of my SS # will not be shared with others. I believe this is an act of " Invasion of Privacy '' and request your intervention. 
Chase 's only solution, according to Exec. Offices, is to go directly to a JP Morgan Chase Bank to transact business there, which is somewhat inconvenient when I simply want to ask a few questions. I usually have to wait for at least 1/2 hour before I receive any service. 
When I contact Consumer Financial Protection Bureau and Office of the Comptroller of the Currency, I am informed that if I am unable to obtain assistance from my bank, I should file a complaint, which I am currently doing. 
Can you assist me with this problem with Chase Bank?
Consumer complaint received 2016-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC. (CA)

I would like help from the CFPB to have Suntrust Mortgage refund the fees paid to process a refinance of my current mortgage. 
My current mortgage lender is SunTrust and this loan is recorded in our family trust. While shopping for a refinance, on XXXX separate recorded phone calls the Suntrust loan officer assured me if I refinanced with SunTrust the new loan could be recorded in the existing family trust. After submitting my documents ( including the family trust ) and getting pre- approval, I was charged a {$540.00} appraisal fee and a {$14.00} credit report fee. 
After these fees were paid I was notified that Suntrust would not record the refinance into the family trust as previously promised. I was given two options : 1. Record the new loan in my name, re-record it in my County to the Family Trust and pay a lawyer to amend the trust. 2. Change the family trust to meet their requirements but they claimed they could not disclose to me what those requirements are. 
On XX/XX/2016 I requested a refund of the fees already paid because I believe Suntrust acted in bad faith. They were aware from the beginning that keeping the new loan in the family trust was an essential factor in my decision to select Suntrust for the refinance. My current Suntrust Mortgage is recorded in the same family trust so there was no reason to suspect they would not/could not record the new loan to the trust.
Consumer complaint received 2016-10-31
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 am currently in XXXX so my loans are in repayment. I have both federal and private loans I 'm trying to get ahead and have been putting any extra money towards my loans. AES manages my XXXX private loans. While examining their payment history tab I 've discovered that all my payments have been going towards interest. As you know interest payments are useless. It 's principle payments that help get the balance down on loans and save you interest. In the payment screen there is no option to direct your payment whether it be interest, principle, or mix. The only option is to direct which loan you want the payment to go. I feel like I 've wasted my hard-earned money. This loan servicing company should allow you to decide how you want YOUR payments handled.
Consumer complaint received 2016-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

I have been working with representatives at FedLoan and XXXX, in the process of consolidating some of my federal loans. I am doing this specifically because some of my federal loans are already PSLF-eligible, and I have been paying on them for over 4 years. Others, I recently realized, after previously been given incorrect information, are not PSLF-eligible. I was advised to consolidate only those loans, so that my payment can be lowered, and then those loans will also be paid, and the payment being made towards eventual loan forgiveness. In the transition of my loans from XXXX to FedLoan, a representative at some point processed the consolidation, and un-known to me, a previous attempt at doing this negated my 30-day window to reject the consolidation if something was wrong. As a result, all of my loans were consolidated, this making 4 years of payments I had made on PSLF-eligible loans obsolete. I have been dealing with FedLoan for over 6 months at this point, have complained to the Federal Student Loan Obmudsman, and have gotten nowhere. FedLoan 's consolidation department has said to me over the phone they could see where the error happened, but told me nothing can be done, the loans are consolidated, and I am out to luck. For the 5+ months, I have been given contradictory information from all loan servicers, have tried to document and follow-up with requests for information, and am at a point now where I have nowhere to turn. I am trying to make the most of the federal policies that have been outlined - my wife and I both work in education, all of our student loan debt is through public loans, and neither of us can get the cusomter service needed to ensure our loans are getting paid correctly and are PSLF-eligible.
Consumer complaint received 2015-11-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (VA)

Suntrust Bank did not notify me when a garnishment was placed onto my account by XXXX. I posted a deposit that was exempt from collections and they end up charging me a fee because of their failure to promptly notify me when the garnishment took place. I went to court and proved to the garnishment judge ( paperwork in all ) what had happen. Suntrust bank know that the garnishment will be removed off XX/XX/2015 according to the courts and they closed the account ending in XXXX before the XX/XX/2015 date. I just received a letter in the mail from Suntrust Bank ( which they have the wrong address on my letter ( I never lived at XXXX XXXX XXXX ) ). They have sent this wrongful debt fee to collection and damaged my credit score. My account with Suntrust was in good standing and it 's Suntrust fault they have not sent a notification when the garnishment was applied by the courts from XXXX. I do n't have a printer at the moment, but when I get one I will scan all my documents to prove Suntrust is in the wrong.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (FL)

To Date there have been no response for my request for an audit with FedLoan Servicing. Your form clearly states to mark " STILL EMPLOYED '' box, which indicates XXXX XXXX, XXXX XXXX, XXXX ( date signed ) that I am still employed with the XXXX FL XXXX. No Public Service Loan Forgiveness ( PSLF ) credits were issued XXXX XXXX, XXXX - XXXX XXXX, XXXX ( date document signed ). Clearly that is more than the XXXX Credits FedLoan reports. 
2. FedLoan is falsely reporting I was in forbearance for times when payments were made. I would not make payments during forbearance ( i.e. that is what forbearance requests is for ... inability to make payments ). 
3. FedLoan Servicing intentionally mislead me by offering to consolidate my other XXXX loans into Direct Loans so that the Public Service Loan Forgiveness payments for those loans will apply since they will also be converted under a Direct Loan. Then, FedLoan Servicing enrolled me on " graduated payments '' fully knowing this plan will not make any payment eligible for the Public Service Loan Forgiveness program. 
4. Not explaining the information unless asked directly leaves the consumer to " have to '' be able to ask the right questions - which we obviously do n't know, in order to receive assistance - this is misleading and deceptive. 
5. I learned today that a 2.5 % reduction in interest rate is also available to me by paying via direct debit ( my payments are ACH 'd every month via WebPay at XXXX XXXX XXXX XXXX ). This was neither offered nor advised upon several of my phone calls and faxed correspondence with FedLoan Servicing.