davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (VT)

My student loans ( my own and my XXXX loans for my kids ) went into repayment in XXXX XXXX and I was put on an income related repayment plan because I have a low income. My repayment was {$240.00} per month. In XXXX XXXX I was notified by email that my payment would increase to {$430.00}. Since nothing much had changed in my circumstances, I felt there must be a mistake. I called and spoke to a service provider at FedLoan and was unable to clarify to my satisfaction exactly why my loan increased. He said that it had increased because a great deal of interest had accrued because I had lower payments and also that my income had increased. Subsequently, I spoke to another servicer at FedLoan as well as several other counselors who help with student debt questions ( including my tax accountant ) and it appears that the servicer made several errors such as telling me that my debt had risen to {$99000.00} from {$66000.00} in one year because of the lower payments I was making. I finally managed to speak to someone from the XXXX office and when we went through the figures together, she identified a key error made in calculating my repayments : the FedLoan servicing organization had recorded my gross income as something like {$10000.00} more than the previous year, whereas it had increased by just over {$1000.00}. This miscalculation was in spite of the fact that my tax forms had been correctly submitted on time by my tax accountant. The ombudsman service woman suggested that we try to sort out the problem with a XXXX call but she was unable to get the appropriate person on the line at that time. She was supposed to be calling me back as soon as the call was set up. I have n't heard from her since and it has been about two months since we spoke. In the meantime, I have had to take money from my pension to help with expenses -which will increase the recorded income for the past tax year - and I also need to reduce my household expenses as much as I can. I would like to cut my phone landline which costs me {$60.00} a month but it is the phone number that the XXXX office contacted me at, so I have been reluctant to give up that number. In other words, the FedLoan Servicing organization 's errors appear to have not only caused me to lose the full income sensitivity that I merited, but it is also costing me money. I would appreciate your help in resolving this without further delay.
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (ME)

FedLoan Servicing Income Driven PSLF qualifying payments. I often round-up to nearest dollar or so in my payments. Payment screen on website says what I owe, not what my required PSLF amount is even if it differs ( as my other lenders do quite transparently ). As such, I have " missed '' payments ( due to overpayment the month before reducing amount I owe on my payment screen ) for almost two years. TWO YEARS. Never a notice that I 'm not paying my required PSLF amount, nothing. I have escalated the issue to management today ( XXXX/XXXX/2017 ) and they will " be looking into it. '' Often the missed amount is {$0.00} or less. I have made decisions of employment and home buying based on being much closer to qualifying for my 10 years than this deception now has me at. I said, your organization could n't be trying harder for me to pay the wrong amount.
Consumer complaint received 2015-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Fay Servicing, LLC (NC)

I had my mortgage with XXXX and they sold my loan to Fay Servicing out of XXXX. I sold my house and tried to get a payoff so we could close the deal. They would not give us a payoff in a timely fashion. They said it would take XXXX days and it would come by mail. We ask if they could fax it, email it, etc. and they said know. It 's been two weeks and we missed our closing deadline. They will not return phone calls. I 'm being blackmailed so they can earn more interest from us. They will not respond to our attorney or return her calls. You should be able to get a payoff on your mortgage or any loan in a day.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (CA)

RE ; FAY SERVICING - LOAN # XXXXplease help me!!!! Fay Servicing has been giving me misleading information regarding the application for a HAFA Short Sale to avoid foreclosure. 
Now after XXXX months since i applied for a loan workout when my loan was still with XXXX XXXX XXXX and somehow the loan was transfer to Fay Servicing after i request for a copy of the original loan documents. 
FAy Servicing has been manipulating my review, i have provided every single document requested by XXXX XXXX. Which she advise me that she will no longer speak to me over the phone becuase i havent paid my mortgage. 
I called numerous times to get a manager and they keep disconnecting my calls. 
Fay Servicing has set a sale date for my property for XX/XX/2015 and even though the previous offer that i submitted to Fay Servicing backed out. I was able to get another offer which it was submitted to Fay Servicing since XX/XX/2015 with all the required documents. 

So far no response from any one. 


Please help me!!!! 

XXXX XXXX
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

Navient 's customer service rep factually and legally misrepresented that I could not lower my monthly payment back to the minimum without defaulting on my loan, and he encouraged me to become deliquent in my repayment. Navient improperly applied a lump sum payment, when I was current and in good standing, in part to interest and against my express intent to apply it to pay down principal. Navient improperly applied late fees. Navient 's wesbite and account history is innacurate and misleading. Navient failed to adequately explain or disclose terms and allowed oral modification of the repayment, without providing sufficient explanation, in violation of the terms of the promissory note.
Consumer complaint received 2016-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

I recently submitted financial information to Navient for the IBR annual review. I received notice from Navient that they had received the documents but received an additional email stating that 'one of your loans can not be considered for IBR ' or words to that effect ( my loans were consolidated years ago ). I called to clarify this issue as it made no sense. I was told 'do n't worry about it. It 's a mistake and we 've received lots of communications from others who got the same mistaken information. ' This is the second time that Navient has sent mistaken emails to me after I sent documents required and requested for IBR review. It 's very XXXX to get these mistaken communications. And it 's disturbing to understand that many others are receiving similar emails. I have not yet received the results from Navient regarding my new monthly payment.
Consumer complaint received 2017-02-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (CA)

I received a netSpend letter in the mail containing a Debit card that is to be activated at my request if desired. I never requested or wanted a Debit card from the Company NetSpend. This is the most unprofessional business in existence. Not only did I not order this card but it could of easliy been activated without my permission and have my identity stolen. I do not have a active or existing account with this Company. The Card number displaying on the Debit card is # XXXX the account number is XXXX from what the document presents in the letter. I would please like to be taken out of there mailing list and also have this Business company NetSpend not ever solicitate to me with any offers ever again. My identity could of been compromised because of this unprofessional business company called NetSpend XXXX XXXX, Texas XXXX.
Consumer complaint received 2015-10-10
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (MO)

My prepaid card was hacked I have unlock iPhone my account had some charges on it I ask them to investagte I got 1 back but the other one I did n't than prepaid card company lock me out of my online account this is how I get paid buy my employer than company with out my concent took XXXX that I had on card it when to XXXX balance I get text alert on what my balance is what I buy when my employer deposit my payroll check they we 'll not let me have my wages. They say I have to wait a month so they can make sure money is mine it is they payroll send it to them they know how much I get paid they send me text alerts
Consumer complaint received 2016-03-22
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Grant & Weber (MD)

I owe an auto loan debt for a vehicle that was repossessed XXXX XXXX, XXXX to the XXXX XXXX XXXX XXXX XXXX and was notified by such entity some time between XXXX XXXX and XXXX XXXX that the debt would be transferred to a debt collection agency. Around the end of XXXX XXXX, I contacted the credit union to find out who the collection agency was because I had n't heard anything since I received the letter and they gave me Grant and Weber 's name and phone number. I called Grant and Weber and asked the rep if they had an account for me ; she transferred me and it rang then went to voicemail so I left a voicemail message with my contact info. I have not received any notification in writing nor by telephone from the Grant and Weber agency about how I may make payments on this account. I have contacted both agencies multiple times over the past 3 months and all the credit union tells me is that Grant and Weber has all the information they need and the account is with them. In XXXX XXXX, Grant and Weber told me that they did n't have an account for me. About an hour later, they called back and said that the reason they could n't find an account for me was because they did n't have enough information from XXXX XXXX XXXX XXXX XXXX to establish the account. Grant and Webber told me this approximately 15 months after I received written notification from the XXXX XXXX XXXX XXXX XXXX that the account would be sent to collections. This is a severe lack of due diligence on Grant and Weber 's part! I also do not understand why XXXX XXXX XXXX XXXX XXXX has not been remediating my account with Grant and Weber since I informed them multiple times that Grant and Weber has not gotten back to me and they must know that they have not been receiving payments since they report the account 's status to the credit bureaus! I have been unable to make payments on this outstanding debt for over 18 months! This is completely ridiculous and unfair! I contacted the XXXX XXXX XXXX XXXX XXXX again today, XXXX/XXXX/XXXX and spoke to the representative that I spoke to in XXXX and asked him if Grant and Weber had contacted them about the missing information and he said no, Grant and Weber has all the information needed. He said he 'd call me back within the hour. It has been nearly an hour and no call back from the XXXX XXXX XXXX XXXX XXXX XXXX All I am trying to do is take care of my responsibility now that I am employed and able to make payments. This is emotionally, mentally, and financially draining!
Consumer complaint received 2016-06-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Neon Newco Corporation (IA)

I have a netspend card. It had a balance of XXXX. I signed up for a trader online with XXXX. It never appeared on the trader website, but went o a firm called XXXX XXXX, whom I tried to reach by email and phone with no luck. I think they are scammers. I contacted netspend, but I did n't have much luck.
Consumer complaint received 2016-09-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (IL)

We received a Chase/Amazon Credit card without our request, approval authorization or knowledge on XXXX/XXXX/XXXX. We called Chase and terminated the card immediately. They advised us to place a 90 day alert on our credit card. Since the recent fraud issues by XXXX XXXX, and since the card was not requested, we are concerned. Someone accessed our Credit Information without our knowledge. Your complaint data base has other complaints against Chase for those who like us already have a chase credit card and were issued another card without their knowledge or approval.
Consumer complaint received 2015-06-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (TX)

An application was submitted to remove the co-borrower and the financial institution sent a denial reason that is n't supported. JP Morgan Chase recently changed servicing companies. The co-borrower removal application was submitted prior to the change however, Chase sent the servicing company the application. The servicing company is the company who denied the application however that company was provided all the records of loan payments. The reason I say this is because all loan inforamtion was viewable on the online banking system and close to the change everything was no longer viewable due to the servicing company. In addition, during a phone call with the servicing company the customer service representative I spoke to was able to tell me that she could see I made the consecutive payments required. This is an unfair banking practice and I have supporting documetation to provide that shows the denial reason to be false. I also requested all payments made to the loan be sent to me since that information was no longer viewable on the JP Morgan Chase online banking and is n't available online with the servicing company. This information was never provided. In addition under JP Morgan Chase the loan was under automatic withdrawal payments and the statements did not reflect the accurate interest rate since the loan qualified for a discounted rate. This is confusing and deceiving practice therefore I would like detailed information to determine if I was accurately being charged interest.
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: COAST PROFESSIONAL INC (MI)

In XXXX helped my daughter get a loan, the gal told me because I did not have employment or received income tax refunds my daughter would be eligible for a higher grant.Her Father was the sole provider for our family until his passing in XXXX .The gal stated I was considered below poverty the grant would help my daughter.i have NOT received a bill on this. The IRS informed me I had a tax offset taking my entire refund and applying it to a collection agency for Dept. Of Ed. I am now the sole provider for my XXXX YR old grandchild and I received the XXXX for the sole purpose of caring for her.my daughter has her loan in deferment so she had thought that was it, like I said I have not been sent a bill, when in fact all these people I have contacted concerning this issue including the collection agency DO HAVE MY CORRECT ADDRESS.I believe I was falsely certified for this loan as I 've only filed income taxes this will be the second time in my life and I 'm XXXX years of age.The Dept.of education nor the collection agency has notified me of this issue.Like I said my daughter 's father was the sole provider for our family, until he recently passed away.Ive researched ALOT on this issue and found on dept.of Ed that if a payment has n't been made on a loan in 270 days then the loan will go into default..Dept. of XXXX informed me that the loan went into default on XX/XX/XXXX, AGAIN I 've received nothing on this loan .So it has been since XXXX it is now XXXX that 's roughly around XXXX some odd days, my question is how did this just now go into default then? Federal law requires you must be given advanced notice of proposed offset including the nature and outstanding debt, the notice must also advise you of your rights, AGAIN I 've received nothing.And the collection agency took my tax refund for the debt.On my refund I was only untitled to the XXXX for my XXXX YR old grandchild in my care nothing more, nothing less.I am in a financial hardship as I 'm now unemployed and expected that refund to get back on our feet for my granddaughter and I .I am requesting a tax offset refund request from the collection agency as they nor any other institution has informed me of this .I 've filed several complaints and still waiting.i could have gotten a deferment also had I been informed of this.
Consumer complaint received 2016-05-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO. (IL)

I failed to appear in court for a credit card debt in 2009 and there is now a judgement against me. I was unemployed for 5 years and was unable to pay the debt. There is now a lein on my bank accounts and i can not access my funds.
Consumer complaint received 2015-10-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO. (CA)

Hi, I was contacted by phone on XX/XX/XXXX and was told by an agent of XXXX XXXX ( XXXX Texas ) that I owed in excess of {$22000.00} as a result of a debt from a Chase credit card before XX/XX/XXXX. He said that if I did n't pay they would file a XXXX. He said he did n't have to send me written information and when I refused to accept this debt he said " enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( XXXX ) of dispute on XX/XX/XXXX to the P0 box indicated on their website. I see the letter was not picked up and is being returned now. I sent 3 more letters today ( XX/XX/XXXX ) -- XXXX XXXX to their street address, a certified-only to their street address and one certified-only to the PO box address. I informed them in the letter that all my debts were discharged by Title XXXX bankruptcy XX/XX/XXXX, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS XXXX to the same end. Please help.
Consumer complaint received 2017-02-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

I have had multiple issues with XXXX XXXX and Navient. My loans have been at 16 % +. I have had to make multiple calls to try to get my interest rate reduced. I have been treated very poorly by XXXX XXXX and Navient. The staff there have made comments such as " Its a hard reality to have a student loan '', " maybe you should n't have went to school '', " we will not lower your interest rates, we do n't have that authority ''. There have been multiple other comments made by the company as well. 
When I was going to school there was not clear communication as to what was happening with my loans. I just went to an office on campus and signed some documents and was told everything was fine. When I graduated my initial bill was XXXX a month, I was unable to afford that payment. I had to call and was treated poorly by the company. This also continued as I tried to manage living and eating. I became behind in my payments related to surviving, however, did make some payment every month, I was called relentlessly and made to feel like I was the only person on earth not making payments. Again, I was at least making an effort to pay my loans. I am still paying on my student loans, and desperately need a XXXX XXXX XXXX in which I can not afford as I am still paying on my XXXX XXXX. I can not afford a mortgage payment related to the amount of student loans that I am paying a month. It seems as if there is no end in sight with paying off these loans related to the interest rates, and XXXXNavient has been of no help with having interest rates lowered to be able to pay off these student loans. 
I feel that I have been ripped off by this company when it comes to my student loan rates, and that they have made it impossible to be able to pay off my loans. I can also not consolidate my loans as they are private loans.
Consumer complaint received 2016-12-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Data Corporation (WI)

TRS Recovery Services sent me a letter stating that a check that I had written at a local grocery store did not clear due to a stopped payment and they were collecting on this debt. I checked with the bank and the checked did clear and the bill was paid. I attempted to call TRS however they offer do not offer an option to talk with someone to resolve the dispute. The only option is to complete a form that requires you to provide bank routing numbers, account numbers, drivers license and social security number. I am uncomfortable with sharing this level of confidential information to resolve this issue. I have verification that the check did clear and the debt was paid I would like an alternative to resolve this. It appears as though there have been a multitude of complaints regarding this company 's business tactics.
Consumer complaint received 2017-02-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (SC)

I accumulated student loans from XXXX XXXX XXXX XXXX after signing up to attend school there. I believe my loan amount was much more than I agreed to. This school has since loss there accreditation and has allegedly been accused of stealing money through financial aid. I have reason to believe that I am a victim and can not get compliance to validate my assumption from the School or lender.