davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I am a XXXX, XXXX years ago consolidated my loans through Navient in order to enroll in the civil service loan forgiveness program. I was instructed by navient to lower my monthly payment from the aprx. XXXX a month that I was paying, to the minimum payment. They stated that after XXXX years of consecutive payments I would be forgiven of my loans. They enrolled me in autopay and put me on a payment plan that they said was the payment plan required for the student loan forgiveness program. They informed me that I was now enrolled in the program and that as long as I did not miss a payment I would have my loans forgiven in XXXX years. 
In XXXX of 2016 I enrolled in a advanced certificate program for education, once enrolled Navient automatically put my loans in forbearance, I immediately called and asked them not to do so because I was in the loan forgiveness program and could not miss a payment, they canceled to forbearance and told to make my payment manually and that I would still be on track for forgiveness. 
In XXXX 2016 I called Navient to ask a question regarding the status of my loan forgiveness program and to ensure that everything was still on track. They informed me that I was never enrolled in the program and that my payments over the last 3 plus years could not be applied to the program! This was infuriating since a Navient advisor walked me through the process and claimed that they enrolled me in the proper payment plan for the program. I followed them step by step over the phone on how to enroll, they made the changes for me and assured me numerous times over the phone that I was now enrolled in the program and did not need to do anything else. The payment plan that they changed me to has cost me XXXX of dollars in interest that I would not have had if they had informed me of the correct payment plan. I trusted the advisor whom I spoke to and that person misinformed me of the process and enrolled me in the wrong plan costing me thousands of dollars.
Consumer complaint received 2016-07-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BBVA FINANCIAL CORPORATION (AZ)

Repeating phone calls, multiple times per day, asking for somebody who had previously owned the phone number I am now using. I have told them each time that this is a new phone number for me and that I do not know who they are looking for, each time they acknowledge what I say, tell me they wo n't call again, then call two more times the next day. They also hang up on me before I get a chance to tell them to remove my phone number. I was told that my number would be removed from the account they are trying to get ahold of, the calls stopped for three days, then continued twice as often as before.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

My private loan is currently through Navient. I read on the article regarding Navient cheating borrowers in interest and misleading consumers in their loan products. During my financial struggles, Navient advised they will place my loan on forbearance not providing me with full details and verbally consenting to the agreement. I was told they can lower my payments to help. The program they put me in was an interest only 2 year plan. For the duration of the 2 years, I made my minimum payments and had a few months to apply more to principal. when I would check my outstanding balance, I started with a {$28000.00} student loan and after the 2 year period, my principal balance increased to {$33000.00}. I contacted Navient to complain and advise why nothing has been applied to principal. They advised I am on the interest only plan. I paid this interest only plan for almost 3 years before I noticed the balance was not decreasing. I advised I want to pay off the loan as soon as possible and to remove me from the interest only plan. my payments jumped up to over {$560.00} and noticed only {$100.00} is being applied to principal. I called to complain and requested an amortization schedule but they advised there is nothing they can do. They recommended another forbearance or to extend my terms to lower my payments. 

Soon after, my school ( XXXX ) filed bankruptcy and closed their doors in 2016. I called to request a discharge, forgiveness or a principal reduction as the school credentials are no longer valid and it was almost impossible to get a good paying job. XXXX XXXX XXXX was sued due to this reason. An individual who had no degree would be able to get the same job as me and start at a higher rate. I do not believe I should be liable to pay the remainder of the loan and tried to request a discharge but they said there are no programs for this and kept recommending forbearance or an extended term. I graduated XXXX with an principal starting balance of {$28000.00}. 8-years later, my unpaid principal balance is {$27000.00}. 

Navient cheated me with interest charges and did not apply the proper amount to principal and mislead me with no available programs to help pay down my debt. 

Please help!
Consumer complaint received 2017-01-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (KY)

I turned in the equipment for XXXX XXXX to a technician that had come out to my house to install the new equipment to turn in to the company. The company said they never received the equipment. but said that I never owed them anything. Out of the blue I get a collection for XXXX put on my credit report from a company I 've never heard of ( I C Systems Inc ). When I called the company they still have no record of it but its hurting my ability to get a home loan.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CO)

FedLoan Servicing will not allow borrowers to specify handling of over-payments, i.e., refuses to apply over-payments to principal, instead insisting on applying them to interest to prevent the borrower from paying off their loan more quickly/efficiently.
Consumer complaint received 2016-06-05
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I do not have a contractual agreement with Account Resolution Service ( ARS ) they have the following accounts # XXXX, # XXXX, # XXXX, # XXXX These account are in violation of HIPPA ACT .I had previously disputed this account. I have never done business with XXXX to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX and I believe it is a HIPPA Act violation. I request that XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian has completed my disputes but the results are just as incorrect and I 've filed disputes multiple times. I can honestly see that Experian is letting a computer determine the results because they do n't even make sense. When I call the executive office, they do n't really want to help, the only thing they want to do is argue. There are multiple incorrect accounts of which five creditors are reporting incorrectly. The first Creditor is XXXX XXXX, they have violated their terms and agreement and the late payment that was reported is incorrect. XXXX XXXX has been reported to the FDIC for the improper conduct and the late payment was removed from XXXX and XXXX. The second Creditor is XXXX XXXX XXXX, they sold the account to XXXX collection Agency and as a result that TERMINATED the company 's legal right to continuously report. I 've sent in the info to show that the account was settled and closed in XX/XX/XXXX, Experian has yet to update and correct the account as closed. The third incorrect Creditor is XXXX, Experian is incorrectly reporting that the account is still being charged off As of XX/XX/XXXX, that is incorrect the account was settled and closed in XX/XX/XXXX, Experian has yet to correct this. I know it 's not XXXX 's fault because it 's been corrected on other bureaus except Experian. The last creditor is XXXX. On Every Bureau XXXX has incorrect and mismatching information which violates several FCRA laws. I 've disputed and complained, sent in letters and the XXXX accounts are still incorrect. Multiple months are missing payments and it says ND ( no data ) instead of OK. That is incorrect and a violation. The fifth Creditor that is reporting incorrectly is XXXX XXXX XXXX XXXX XXXX. This was not a collection account nor charge off in  XX/XX/XXXX. The account was paid and closed in XX/XX/XXXX. It has a negative payment for the month of XX/XX/XXXX when it was clearly paid off and closed. Another reason how I know it 's incorrect because the Dept of Ed does n't allow individuals to consolidate a student loan that is in DEFAULT.  These companies are clearly violation FCRA. Experian is allowing the Creditors to report invalid information in addition to reporting and coding certain incorrect information on the credit report in order to recieve a profit. I 've asked several humans/managers/supervisor to look into this And not to let a computer decide, instead the only thing they do is dispute and let a computer decide. It 's a disappointment because one line of the Experian Mission Statement says " transforming our relationship with consumers and delivering growth consistently ''. Honestly, they 're not doing any of that for me and shows the company is not following their own mission statement. I hope THESE issues can get resolved quickly so I can have a change of heart.
Consumer complaint received 2017-04-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

I spoke with a representative from the following compan y : Portfolio Recovery Associates (  collection Agency )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  In regards to partial acct #  XXXX  ( original creditor   XXXX    XXXX  ) In regards to a negative account on my credit. The representative told me he would make a payoff settlement of {$1000.00} to settle the original debt of {$1200.00}, which was withdrawn from my checking account on  XXXX   XXXX   2017 . I just went into my credit report and they are reporting that I still owe the remaining balance of {$250.00}. I was told several times that my debt was settled and they would report it paid off to the credit bureaus. I even called a second time and spoke to a " floor manager '' and she said that the debt was resolved on the settlement amount and it would take 10 days for a letter to be drafted and reported to appropriate credit agencies. I have spent countless hours on the phone and cleaning up my credit report for the past 6 months. I am trying to get approved for auto loan within the month of  XXXX  and they have completely ruined my chances of that happening by not holding their end of the bargain and settlement amount. I will be reporting this to the BBB, Attorney General in Utah, and any other appropriate agencies necessary. Please help me as I need this reported to the credit agencies asap.     Thank you,  XXXX   XXXX -Social ends in  XXXX  Mailing address :  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , UT  XXXX  Physical address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , ut  XXXX
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Got a student loan from  XXXX   XXXX  and got behind on payments due to health issues.  XXXX   XXXX  then sold account to a collection agency,  Portfolio Recovery .  XXXX   XXXX  's " Credit Item '' on my credit report is reporting the account as " Student loan permanently assigned to government '' yet this account remains at a collection   agency not a Government Agency like Department of Education.
Portfolio Recovery Associates are reporting the account as a collection account not a Student Loan Education Account, and they are   not showing as current. I have been making automated payments since  XXXX   XXXX ,  XXXX  faithfully in the amount of {$200.00}, but in  XXXX / XXXX / XXXX  amount went up to {$200.00}. On my credit report the payment history still shows as   " Past Due '' with no payment listed as " OK '' it has a " C '' which represents Collection.
The payment history not reflecting as " Paid as agreed '', the payment history not reflecting any payments is hurting my efforts in trying to get a home. It is also affecting our marriage and causing mental anguish. I have spoken with Portfolio Recovery and their answers are : " Sorry, We ca n't do nothing about it ''. No remorse or consideration to the payment arrangement. I feel that I am not getting any kind of credit for making on-time payments to Portfolio Recovery for the past 3 years. I am doing my very best to pay back this loan and they refuse to report correctly to the credit b  ureaus.
Consumer complaint received 2017-04-30
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Student Aid (USA) Funds (NJ)

I  XXXX   XXXX  file this complaint with the Consumer Financial Protection Bureau, as I have already proven that  USA F unds is using another scam on a debt collection process that has already been beaten in federal court against  XXXX . The student loans were all procured well before   XXXX  , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Origin ally USA Funds  were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named  XXXX   XXXX . Now USA Funds play a musical chair approach by seeing if another debt collector named  XXXX   XXXX ,  XXXX  will try the administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to travel to the state of Minnesota to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jersey.  XXXX   XXXX ,  XXXX  is not bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as  my 20+  year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period.   I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed  XXXX   XXXX . This false administrative collection process is what got NAVIENT fired by the United States Department of Education as a sanctioned debt collector, and  XXXX   XXXX   XXXX  has no authority from any federal agency to collect on behalf of the taxpayers of the United States.  XXXX   XXXX   XXXX  is not even legally bonded or licensed to do business in the state of New Jersey.   I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY  XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX  IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRAC TICES ACT 45:18-2 A ND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.   CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST  XXXX   XXXX   XXXX  ILLEGAL COLLECTION PRACTICES!!!    XXXX   XXXX   XXXX  MUST PURGE MY FILE PERMANENTLY!!!
Consumer complaint received 2017-01-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

My name is XXXX XXXX New York,XXXX Email : XXXX Phone : XXXX I had a student loan since XXXX, XXXX sold the loan to another company NAVENT in XXXX. 
Now they rise the amount {$69.00} to {$99.00} Never receive a previous notification. They said I sign 2 years ago the authorization for this rise ( No document received for this, and I never signed this authorization ). 
Now they offer me a new deal, pay some like {$45.00} per 1 year and after paid {$190.00}. 
My salary is only XXXX per hour, I can not afford this increase. 
Why do I need to sign a new deal with new conditions and increase the interest. 
XXXX Account was XXXX NAVENT Account is XXXX. 
What can I do to prevent this increase. 
When I tried to call NAVENT, I needed to wait for more than 20 minutes. 
Please can someone in your organization help me for this abuse.
Consumer complaint received 2017-04-30
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: IQOR US INC (NJ)

I  XXXX   XXXX  file this complaint with the Consumer Financial Protection Bureau, as I have already proven tha t   XXXX   XXXX   is  using another scam on a debt collection process that has already been beaten in federal court against  XXXX . The student loans were all procured well before   XXXX  , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Originally   XXXX   XXXX   were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named  XXXX   XXXX . Now   XXXX   XXXX   play a musical chair approach by seeing if another debt collector name d Allied Interstate, LLC wi ll try the administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to travel to the state of Minnesota to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jers ey. Allied Interstate, LLC is not  bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as  my 20+  year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period.   I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed  XXXX   XXXX . This false administrative collection process is what got   XXXX   fired by the United States Department of Education as a sanctioned debt collector, and Allied Interstate LLC has no authority from any federal agency to collect on behalf of the taxpayers of the United States. Allied Interstate LLC is not even legally bonded or licensed to do business in the state of New Jersey.   I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY ALLIED INTERSTATE LLC.   ALLIED INTERSTATE LLC IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRACTICES AC T 45:18-2 A ND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.   CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST ALLIED INTERSTATE LLC ILLEGAL COLLECTION PRACTICES!!!   ALLIED INTERSTATE LLC MUST PURGE MY FILE PERMANENTLY!!!
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (GA)

After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted  both National Credit Systems and  XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since   XXXX   of 2016. National Credit Systems is claiming that I owe a debt of {$4000.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VT)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Consumer complaint received 2017-01-04
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Blackhawk Network Holdings Inc. (CA)

First off, I want to say that every experience I have had with Blackhawk Network products has been a disaster and wo n't ever purchase another of their gift cards/prepaid cards etc. 

I purchased multiple Reloadit packs and placed the into the Reloadit safe as required by their company. From the safe the money can be transferred onto a debit card. 

They disabled my safe with money inside and then re-enabled it, wiping my entire transaction history and my funds inside. {$420.00} and all records of past transactions were gone.