davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IA)

I called student fed loan servicing to reinstate payments after I was no longer going to school So I could get them paid off faster. They had me fill out a form to wave my forbearance rights and I sent that in. My payments resumed for a month or two and then stopped again in XXXX. 

I called student fed loan servicing on XXXX XXXX to ask why my payments were not being deducted again. They told me I would need to submit a request again to get them reinstated but they would resume for XXXX. 

I called XXXX XXXX, XXXX to ask why it still shows that XXXX my loan will be in forbearance. She told me that it would be in forbearance until XXXX. She said she could submit another request to have it go into repayment but then she said my original paperwork that I filled out months ago no longer is valid because I submitted another request on XXXX XXXX for the same thing, to get my payments reinstated. During all of this I am incurring interest and not able to get FedLoanServicing to take payment. 
The notion that a representative had me put in a second request that voided the first request for the same thing is silly to me and I feel I am getting the run around. In addition I just realized the XXXX payments they did deduct in XXXX and XXXX were for interest only.
Consumer complaint received 2016-01-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (FL)

I contacted America Education Services in XX/XX/XXXX about not being able to pay my monthly payments in full. However, I was told to pay {$270.00} to be able to go through a questionnaire for possible forbearance. Later, I was told I had let time pass and needed to pay again and wait for the payment to post. I paid {$300.00} this time and after the questionnaire was told I qualified for a 2 month forbearance. In XX/XX/XXXX without further I received a letter from XXXX stating I was in default. XXXX agrees that something is wrong, but says its up to the AES, who denies they were wrong. They refuse to answer the question of my giving away {$570.00} at their request for me not to interested in the forbearance as noted by their agent. They will only say mistakes happen and we apologize. I have never defaulted on a loan before and due to this can no longer attend school to pursue my dream as a school administrator. I am only asking to be reinstated from default so that I may consolidate this loan. AES misrepresented themselves and provided information that was not true. They refuse to try and work with me.
Consumer complaint received 2015-11-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

My fianc and I opened a joint checking account at Suntrust bank and deposited a check in the amount of {$15000.00}. The account was opened on a Thursday and we were told the funds from the check would be available on Monday. On Tuesday morning the funds were not available and the account information vanished from online access. We went to the bank and were told that Suntrust closed the account citing fraud as my fianc owed them money from 2005. After a lengthily process at the bank where we spent time on the phone making payment arrangements for an {$800.00} debt we were unaware existed we still are no better off and were just told our funds could be held for 30 days. This has put my family in a very difficult situation. I do n't understand how the bank can legally refuse to return our funds? Please help me understand.
Consumer complaint received 2017-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION (CT)

I signed up to a M & T bank account based on a promotion that guaranteed {$200.00} if you set up a qualifying direct deposit of {$200.00} and more. The code to the promotion was given me at XXXX CT. I had qualifying direct deposit for more than {$200.00} and still after more than 3 months, the bonus has n't been applied to my account.
Consumer complaint received 2016-03-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (AL)

Student qualifies for temporary hardship forebearance as stated in American Education Services ( AES ) policies that allows 24 months in three-month increments. Student has applied for three 3-months and approved immediately. Student applied back in XXXX XXXX, 2016 for the fourth due to a mix up in the application form. Student applied electronically this time as suggested by AES ; however, student did not receive notification of the receipt until XXXX XXXX, 2016. Student called and inquired, immediately, upon receipt because loan is due XXXX XXXX, 2016. Student called again this a.m. to inquire about the approval and was told that XXXX XXXX ( provider ) noted it was still in review. XXXX XXXX is using delay tactics in order to force payment from students that are clearly in hardship and, eventually, student loan default. In the past this process only took one day to complete.
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (WY)

Why is it that banks will offer Balance Transfers at 0 % interest but wo n't lower an existing interest rate? I 'll tell you why. The financial institutions in this country are out of control again, and I " WILL NOT '' bail them out again. I, like XXXX other Americans were so XXXX the last time, I may never get to retire. Do something about the financial institutions in this country before it 's to late.
Consumer complaint received 2015-12-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (AZ)

I called my finiancial insitution ( JP Mrgan Chase ) this morning to file a REg XXXX claim on a transaction that i made but cancelled the same day with the merchant. I attempted 3 times to cancel the transaction with the merchant and i was not successful so i called Chase to dispute the transaction. The first that i spoke to XXXX XXXX XXXX was very rude and was not willing to assist me. I mentioned to the rep that i made the purchase and decided i no longer wanted the transaction to go through and so i cancelled it within an hour of purchase. She told me that she couldnt help me and that since i made the transaction there was nothing she can do. I spoke to manager named XXXX and she was raising her voice, telling me that since i know it all that i should know that i cant file a claim. the merchant has more rights then me the customer. the manger did not want to file the claim for which my reg r rights were violated. I have the right to dispute transactions on my account with the bank. the manager told me that she cant break rules for me and that she has a family and bills to pay and couldnt risk her job, which i dont understand how i was asking her to break rules. Very bad customer service. I was on the phone for over an hour trying to file a claim and get my money returned to me. Asked the rep to file a claim and process a chargeback against the merchant since i cancelled with the merchant before the transaction even posted. No claim was filed. I told the Manager that i was going to contact my attonney and even said i would cancel my account of over 15 years she told me to do what i needed to do.
Consumer complaint received 2015-03-22
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (TX)

On XXXX XXXX, 2015 I submitted an application to IBERIABANK Morgage Company, The application at the end it stated very clear if I wanted to speak to the Morgage rep before submiitng and I said yes to speak with the rep. The Morgage rep is XXXX # XXXX Cell- XXXX Fax ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXXXXXXXXXX. He submitted my application without talking to me about my over all financial questions like other mortgage reps have done in the pass like XXXX and XXXX. He was not able to pre-qualify for a {$75000.00} Townhome morgage FHA, do to my credit score form XXXX was XXXX XXXX, XXXX XXXX and XXXX XXXX. I knew something was wrong do to I ck and Im ' enroll in the XXXX score and it do not match was so ever my credit score XXXX is XXXX XXXX, XXXX XXXX and XXXX XXXX. I called XXXX of the reps at the XXXX and spoke with XXXX of the reps and I expalin what had happen and she said that The mortgage person enter wrong information and that 's the reason I had a different score. I do n't want for anyone to go through this. I do pre-qualify for a Town home Mortgage and he did n't approved me. I even send the credit score directly from my fico account. and copy the Realtor do to she is referring her clients to this bank.
Consumer complaint received 2016-11-28
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (FL)

I am in the process of selling my house at XXXX, Ohio XXXX. I know the buyers, and have worked with them and their bank to expedite all needed documentation. The bank working with them is Chase. The disclosure papers were completed end of XXXX. The appraiser conducted his visit on XXXX, with no resulting issues. It is now XXXX (!!! ) and this sale did not go through for no apparent reason! I was told the underwriters are backed up?? Is thisconsidered acceptable practice? I find it incredibly dismissive, unprofessional, and abusive. Can something be done about this please?
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I requested updated information for a paid balance in XXXX of XXXX to the XXXX of Michigan for {$2500.00}. I was trying to get my passport and the Information that was on file was incorrect. I have tried to dispute my XXXX payment that was reflecting in the system for over a year now. The information " Paid, was a collection account, insurance claim or government claim or was terminated for default ''. 

None of the information is correct. This account is from XXXX, that was 11 years ago. More than enough time to not even be reporting. The balance never went into a collection status. They don't have the company information because I paid directly to the original account.
Consumer complaint received 2016-09-03
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (TX)

Mortgage was paid off in 2004 by XXXX XXXX XXXX as I refinanced the loan held by XXXX XXXX an affiliate of JP Morgan. XXXX is now out of business. Bof A shows that the money was sent on closing statement, however Chase Bank never released the lien. I have lost the sell of my property ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ). I was working with a title company, XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX XXXX have gotten no where with Chase. Chase acknowledges that they can not find any account on me or that I owe them any money. I lost the sale because the closing took too long due to Chase dragging their feet. HELP- IAM A XXXX, I NEED TO SELL THIS PROPERTY!!!
Consumer complaint received 2017-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

A collection account that was removed has been reinserted with a date of XX/XX/XXXX without a notice being issued to me within 5 days of the reinsertion date. This credit bureau has violated the FCRA by not notifying me of the reinsertion of this previously removed collection within 5 days of the insertion date which is XX/XX/XXXX. The collection listed is XXXX XXXX {$2100.00}. Please remove this collection immediately, as this debt does not belong to me and you have violated the FCRA! 

There is also an address listed on my credit file that has NEVER belonged to me! Please remove it immediately. Listed as XXXX XXXX XXXX XXXX, XXXX, IL
Consumer complaint received 2015-09-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (NY)

I applied for a private student loan for XXXX XXXX XXXX XXXX in XX/XX/XXXX from XXXX ( My Rich Uncle ), with my father as a cosigner. In XX/XX/XXXX I was informed by a friend that XXXX was bankrupt/out of business. Upon a check of my credit score and further research, I confirmed that not only was XXXX out of business, but the loan it represented was of mine and my parents ' credit reports completely, and I ( as well as my parents ) was no longer receiving mail from the company. I did not know who to make payments to. Around that time, my family home burned down and we were forced to move several times to several temporary homes and no longer received mail at the prior address. Again, I attempted to find my student loan lender and change my address or figure out who to make payments to, without success. Two years later, I found something new on my credit score, and found out the company XXXX bought out XXXX and I owed {$6000.00} in past due payments, and {$32000.00} in interest, bringing my original loan of {$20000.00} to over {$50000.00}. They will not work with me at all with the exception of making smaller payments, which just accrue more interest and prolong my loan payout schedule. I am filing a formal complaint against this company for this incredible breach of ethics. I am unable to consolidate my loans at this point due to the high debt-to-income ratio, no banks will even finance me.
Consumer complaint received 2015-08-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (NJ)

Just received information about the lawsuit filed against XXXX to repay the loans that students took out based on their illegal predatory lending partners. I took out a private loan via XXXX XXXX when I went to XXXX XXXX in XXXX XXXX, New Jersey. The post-graduation hiring rates were vastly lower than expected, most of my classmates actually went on to work in different fields than that which they studied at XXXX. The " teacher '' must have had little to no teaching credentials seeing as the in class book work was rarely done properly. At the end of my program, expecting to receive more assistance than I did from the career services department, it took me months to get hired at all, and I spent the first month of employment working at an location who had no previous affiliation with the school and whose method of operation was horrendous. I was hired at my current location based on a recommendation by a previous classmate. This location had an affiliation with the school and offered a loan repayment incentive for all graduates of XXXX. XXXX services, however, did not mention that I had to be hired before graduation and also did n't push me to see this employer before graduating. I did not receive this loan repayment incentive and am now having trouble paying this loan back while I 'm also paying back my federal loans. I am being harassed continually by their collectors. My phone rings at least XXXX times on a slow day with them calling me. They have called me at work and at all kinds of obscene hours, both too early and too late in the day. I have tried to reach out to a loan forgiveness program when I heard that a classmate of mind received information on reducing her private loan debt, but the information was a dead end. I feel that XXXX did not hold up their end of the bargain and fed me to the sharks with this private loan. And now, since the lawsuit against XXXX XXXX has been taken up XXXX XXXX XXXX has since transfered it 's loan accounts, or at least mine to University XXXX XXXX, XXXX. I have been out of school since 2013 and paying back my loan since then, now having made payments to XXXX different companies and yet have only started to make a dent in the principal balance I borrowed. I have been paying them interest, emptying my pockets to line theirs and have been digging myself deeper into debt. I would like some retribution.
Consumer complaint received 2020-01-19
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (CA)

On XX/XX/2020 I received an email from a company called Netspend, advising me that my " Netspend card is on the way! '' The email goes on to state : " XXXX, your Netspend Prepaid Mastercard has been shipped and is on its way to you. Once your card arrives, be sure to activate it and verify your identity. * After that, add money to your Card Account and then use your card to buy groceries, pay bills,1 and shop online! '' Not only did I never order or authorize a debit card from Netspend, I've never even heard of them. I believe this is a consumer scam, and hope you can do something. I have attached the email for our information.
Consumer complaint received 2016-01-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harris & Harris, Ltd. (IL)

LAW FIRM WENT ON MY CREDIT REPORTS WITHOUT PERMISSION AND FAILED TO VALIDATE UNKNOWN DEBT. PULLED MY XXXX ON XXXX/XXXX/2015 WITHOUT MY APPROVAL IN VIOLATION OF FCRA AND FDCPA LAWS.
Consumer complaint received 2015-11-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Aargon Agency, Inc. (CA)

Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to XXXXPlease be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. 

The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 

In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due.
Consumer complaint received 2015-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

My mortgage loan was transferred to LoanCare and since it transferred to them, my impound account was not properly funded. I now owe the county a large sum of money for taxes, out of pocket. I emailed, sent documents, and called them in an attempt to get them to pay my taxes from my impound account, they have done nothing. The people I did get on the phone were not helpful, and one employee was very rude. My emails have never been responded to. I attempted to call again last week, XXXX/XXXX/2015, to XXXX different numbers of theirs and the phone answered, but it was dead air, there was nobody there. I also had to jump through hoops with my home insurance company because the policy was not renewed as it should have been. I have never had to worry about anything with my home loan before, but with LoanCare I 'm very concerned they will mess something up again and it will cost me time and grief.
Consumer complaint received 2017-03-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

I have an FHA 203 ( k ) loan for a major home renovation. My original bank sold the servicing of the loan to LoanCare. We have submitted a draw request which was subsequently approved so a check was mailed. Unfortunately the check bounced. It has now been 4 days since I notified the bank and there is still no resolution. My Contractor has written checks to pay the subs that have done work on the house and now those checks are bouncing. Not only does this affect my Contractor, but now he is losing credibility with the subs and impacts their desire to want to continue to work on my project which will delay my project causing me to have to pay more months of mortgage than necessary. Please help.
Consumer complaint received 2016-10-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LoanCare, LLC (OH)

Entered into an agreement with LoanCare however, they keep requesting the same information that has already been submitted, they charged us {$200.00} for a loss mitigation package, and it still shows we are behind after requesting an unemployment forbearance consideration, which we were approved for on a FHA mortgage
Consumer complaint received 2017-03-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

My home mortgage loan was sold in fall XX/XX/XXXX by XXXX. I was directed to send payment to XXXX, which I did for the XX/XX/XXXX payment. I have the cashed check copy and evidence of my account being debited. Then I was directed to send payments to LoanCare. I have sent in all payments and have not missed any months. 

LoanCare will not recognize this payment and sends delinquent notices, saying I am behind on my mortgage payments, which I am not. Since XX/XX/XXXX to present, I have twice called LoanCare customer support to resolve this. Each time I was instructed to fax an explanation, copy of cashed check and my account debit page. I have done this twice now. When I call the customer service line, they have no information regarding any of this. 

I sent a letter ( copy can be faxed ) regarding this, with the above information again enclosed to LoanCare on XX/XX/XXXX. I asked for the payment made to XXXX to be acknowledged and my account to be remedied. no reply. 

I received another delinquent notice on XX/XX/XXXX. I have made every payment every month.