davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CO)

After graduating college in 2011, I discovered that Navient/XXXX XXXX had put me on a 10-year repayment plan for each of my XXXX loans through them that created massive monthly payments of over {$1000.00} per month. When I tried to consolidate the XXXX loans I have with Navient/XXXX XXXX, I was told that " the different styles '' of loans made it so that I was unable to combine all of them under one interest rate. I was also unable to defer the loans until I got a job nor did they allow me to extend my repayment period. They have left me with no options to lower my payments, I 'm currently stuck paying XXXX different ( and very high ) interest rates and I was given no option to have an income-based payment plan. I was forced to work XXXX jobs at the beginning of my career in order to make payments and even now, six years later, my payments still eat up nearly half of my paycheck every month, making it extremely difficult to live anywhere without roommates.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

It appears that the payments I 've been making over the past two years have no been fully applied to my account. On my tax information it also appears that the interest I 've been paying has been miscalculated as well.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

NAVIENT, since I 've been associated with them since XX/XX/2003, has always deceived me and made payments impossible. Their deceptive and predatory tactics have caused me to go into default and unable to obtain a federal PLUS loan to complete my graduate education. Furthermore, when I was receiving XXXX, I was constantly harassed by " customer service reps '' that Navient can and will take money from my XXXX. This is n't just a problem for the elderly but also the XXXX who do n't have a voice. I am unable to secure housing and will be homeless in the future as felons, especially registered XXXX offenders, have easier than ever access to affordable housing no matter their credit situation with special government programs that overlook their credit and criminal histories. I made many attempts to make reasonable payments to NAVIENT who repeatedly refused them and told me if it was n't the full payment I would still go into default. Everytime I call them to discuss payment options they have refused and told me good luck.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Express Aviation (TX)

I attended career point college for 17 days. They ultimately shut down. I did not complete one class or receive any credits from this school. I am now harassed by student loans for a loan I did n't even use. It was for over XXXX and over XXXX when when interest will accrue. This is unheard of to me. How do I owe something that was given to a school that shut down and I did n't get a chance to use or benefit from
Consumer complaint received 2017-01-20
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

It appears the debt attached to the XX/XX/XXXX Deed of Trust associated with my account may have been sold multiple times between XX/XX/XXXX and XXXX, and not through a Trustee 's Sale at public auction as represented to me and the public by Bank of America and their named Trustee, XXXX XXXX XXXX XXXX ( XXXX ). This deliberate action amounts to fraud ( a knowingly false representation ) on a mortgage, Deed of Trust, or real estate and property and possibly Racketeer Influenced Corrupt Organizations ( RICO ) Act violations as prohibited by law. 

While Bank of America through XXXX caused to be recorded at least one Trustee 's Deed the next business day following Trustee 's Sale at public auction according to county records, Bank of America, through Trustee XXXX, took eleven ( 11 ) days to record a Trustee 's Deed related to my property after the day of auction and sale without explanation as to why such a delay occurred. On the face of it, the reason appears to be the withholding of the recording of a public document until a named bona fide purchaser ( BFP ) XXXX be had and named within and on the Trustee 's Deed, an official public document, thereby attempting to avoid any appearance of unlawful activity related to a mortgage, Deed of Trust, or real property. 

It is to be noted Bank of America has no authority to begin foreclosure and property separation processes while the modification process is pending, as a matter of law. 

All applicable Acts and other regulations, statutes, guidelines, and rules of law. 

All previously mentioned resolutions are desired and mandatory.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CO)

I filed for an income based repayment or deferment and submitted my form electronically. I have all of the email correspondence and confirmations that the form was received, accepted and approved through the entire process. 2 months later I was denied a loan because ALL of my loans with Navient were reported late on my credit bureau. It shows still, over a year later, in excess of 12 late payments - one for each loan. 

I spent almost two hours on hold to get them to reverse what they had done. I was repeatedly told by the customer rep, then a supervisor and then another supervisor that I did n't properly submit my form although it was completed online electronically and my monthly statement showed {$0.00} due. I tried to send them the confirmations and the emails but they kept dropping my calls ( hanging up on me ). One of the supervisors did n't even notate my account. When I called back after they " had system issues that dropped the call '' I was given to another supervisor who did n't see anything the first supervisor said. It was over 30 minutes later and I was on the phone with that person for over 20 minutes and they never once notated my account. 

I have disputed the late payment on each loan with the credit report companies but Navient validates the debt. I am currently going through a federal background check for employment and they have contacted me twice now regarding late payments to the federal government. Navient 's error may cost me a job that will finally allow me to be able to afford my loan payments. I am seriously at a loss on what to do, where to turn or how to get this remedied.
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (AE)

CFPB, I am a US service member currently located in XXXX. I lived in XXXX XXXX till 2009 and XXXX to XXXX, XXXX XXXX, a XXXX in XXXX, back to XXXX, and I currently reside in XXXX since that time. During this time I have attempted to first attempt a home modification with Wells Fargo and was rejected. I then tried a short sale with Wells Fargo, had a buyer and then was rejected. I currently rent the home out for XXXX but am making payments of XXXX. I always wanted to keep this home that 's why I first wanted a home modification. I spoke to them about the Home not being an investment property and the modifications to the SCRA in regards to homes for military home members but that went on deaf ears.
Consumer complaint received 2017-01-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase attached a corporate advance fee to my mortgage loan that I do not owe, was never informed about and did not agree to. Although Chase claims this fee occurred XX/XX/XXXX or XX/XX/XXXX, the fee suspiciously appeared on my monthly mortgage statement XX/XX/XXXX, which is 4 to 5 years later. 

This corporate advance fee accrues no interest and is not due until loan payoff. Nevertheless, Chase stole ( took without my consent and knowledge ) some of the money from one regular ( Principal and Interest ) mortgage payment and applied the money toward partially paying this corporate advance fee that I do not owe and was unaware of. This means that the money Chase took from one mortgage payment did not pay down my principal balance and loan interest as I intended it to. My understanding is that the law mandates creditors to apply consumer payments toward higher interest amounts owed rather than lower interest amounts owed. Again, Chase took some of the money from my mortgage payment without my consent and applied it to partially pay a 0 % corporate advance fee that I do not owe and is not due until loan payoff instead of all of my mortgage payment going toward the interest accruing mortgage loan as I intended. Is that legal? 

I have told Chase Customer No-Service to remove this fee. Chase has not done so. I was also promised by Chase that no negative reporting would occur while the matter is remains unresolved. 

1. Chase must get the money that Chase took from my one regular mortgage payment and then wrongly put toward the corporate advance fee - get my money - and retroactively reapply it toward the interest accruing mortgage loan as I intended. And then refund the savings in the form of a check to me. 

2. Chase must remove the corporate advance fee. 

3. Chase must write a letter of apology. 

4. Chase must write a letter stating the truth - that my mortgage loan payment history is that payments were made on time - and send this letter to me and all XXXX credit reporting agencies. Note : Chase promised that my credit would not be adversely affected while this matter remains unresolved.
Consumer complaint received 2016-07-08
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: BUDGET CONTROL SERVICES, INC. (CO)

This debt was paid directly to the medical provider billing company in the amount of {$560.00}. The billing company is XXXX XXXX. The invoice was paid on XXXX. 

I recently discovered a collection for an amount of {$1600.00}. The collection company is : BUDGET CONTROL SVCS IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX I called the collection company and they advised the collection is valid, and that I owed the money. LIED! 

BCS shoud be fined for their deceitful actions. XXXX XXXX notified BCS in late XXXX that my account was paid in FULL. BCS was aware for 41 days of the zero balance, failed to update my credit report, and attempted to collect an additional {$1100.00}.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX number : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION (OH)

I put in a dispute for a credit card charge that I did not do. I went to XXXX XXXX back in XX/XX/2024 for a birthday trip for my fianc. She left her purse which had a lot of our personal banking info and charge cards in it with one of the workers because you could not bring a bag into the section. Once we got back, we noticed we were charged on our credit card for a charge we did not do and also a charge on my bank account for a purchase I did not make from the same company. Navy Federal gave us a temporary credit, did not ask us for any more information and then put the charge back on our card.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (OR)

My Dept of Ed loans were being serviced by XXXX, when I submitted a Public Service Loan Forgiveness affidavit of public service activity that I wanted credited toward my XXXX months of payments. This was received around XX/XX/2016. I was then notified sometime around XX/XX/2016 that my loan was being transferred to PHEAA ( or Fedloan ) for servicing due to my qualification for the PSLF program. This was at the same time that I had turned in a renewed IBR plan request to XXXX ( in XX/XX/2016 ). XXXX notified me that my IBR plan request had been accepted and that I would " soon '' learn what my new payment was to be. However, they transferred my Department of Ed loans without telling me what my new payment would be. My loans disappeared from the XXXX online system and XXXX customer service was unable to tell me what the payment would be. I created a Fedloan account but the online account contained no information about my loans from XXXX through XXXX. I called Fedloan to inquire as to when my payment would be due and what it would be, and the customer service agent told me that the loan transfer was " in process '' and she could not tell me what my loan amount was or when it was due, and that I would be notified when the loan transfer was complete. I repeatedly logged in to my Fedloan account and found it empty with no payment listed as due and no loan information, until one day I logged in and it showed my loans with the new payment information and told me that I had a payment that was past due and " delinquent. '' I was never notified of the loan payment due date or amount. I had my loans on autopay with navient and was never late for a payment, but this information did not appear to transfer with my loan. Fedloan did not attempt in any way to contact me to tell me I had a payment due, in spite of me being extremely proactive in trying to pay my loan on time. It appears to me that information about when my loan payment would be due and how much was deliberately withheld from me in order to make me late for this payment. It appears to me that there is a systematic issue with loan transfers that obfuscated basic information from me that was necessary to make on time payments. Had I not been proactive, who knows how long fedloan would have sat on my " delinquent '' loan without contacting me. I gave them my email, phone, address and called them and logged on repeatedly in an attempt to know the basic information about my loan, which they withheld from me until after the payment appeared to be due.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Security Credit Services, LLC (OH)

I settled an account on my credit report ( Security Credit Service ) in XX/XX/XXXX and XXXX is still showing open. After viewing this I disputed and it was not handle properly. The report came back as the account was mine, but this was not the dispute. I requested them to close it account was settled. It is still being reported as open. I contacted Security Credit Service and they informed me that they submitted that the account was closed and they did not put in a last report of XX/XX/XXXX pass due XXXX days, but it is on my report as such. XXXX continues to improperly report the credit information and refuses to recognize the settlement. The other CRA 's ( XXXX and XXXX ) has it listed as closed from my credit report immediately.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MS)

Naviant is harassing me with their calls every single day any time of the day and night they are really full of it. I submitted papers to them for my loan that is being reviewed and processed and I have repeatedly told them what I have done but they still call and threaten me about the loan, now I understand the bill is mine but am not able to pay it but I have reason for it, they also harass my cosigner and she has told them that the papers have been sent can you please please help me with this issue.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NV)

Navient has caused me emotional trauma consistently over the last six years by harassing me over the phone and attempting to withdraw large sums of money out of my bank account causing to me have to close the bank account and pay overdraft fees. 
I was put into a state of XXXX over phone calls by collectors demanding I find a way to pay them large sums of money, and have been dealing with multiple phone calls a day from Navient ( from different phone numbers so I ca n't block them or know who it is ). 
They have failed to this day to offer me a reasonable repayment plan for my student loans based on my income and I now owe {$30000.00} more than I did when I started because of interest.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

I believe that I 've been mislead as to all of my repayment options while interest is still accruing. I 've called to speak with soneone several times only to get either hung up on or told that there was nothing else that they could do.
Consumer complaint received 2024-09-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WV)

On the XXXX, i sent {$1300.00} through moneygram which was supposed to be received by recipients bank account in XXXX in XXXX. Money was never received so this prompted me to contact moneygram. 
On XXXXXXXX XXXX I contacted moneygram and they promised to have a resolution within 90 days. 
On XX/XX/ i received an email stating that an error occurred with the reference code and the amount was deposited on XXXX. But still then till now the money has not been deposited. I immediately contacted them and told them as well. 
On XXXX received an email from moneygram stating that my complaint is being reviewed by an analyst. I also sent them a copy of the recipients Bank statement to show that money had not yet been deposited. 
On XX/XX/ I received an email stating they have reached out to one of their locations to gather information related my complaints. 
On XX/XX/2024 I received an email that the investigation had been concluded and transaction was deposited to the bank account provided at the time of send, this was false. 
On XX/XX/2024 After several attempts to contact customer care, i got to the manager asking for proof of payment as evidence for that the investigation. As i have right to request to request the documents on which they relied in making their determination as Per " Remittance Transfer Rule of Regulation E,31 C.F.R.sec. 1005.33 ( d ) ''. 
On XXXX  I received an email stating i will receive the documents i requested for within 25-30 days. 
On XXXX  I received and email stating that they are unable to related to proof of payment document, i had requested. 
Even after all of this money has never been deposited. I have attached all the emails.
Consumer complaint received 2017-01-20
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: RS Clark and Associates, Inc. (TX)

this debt collector of RS Clerk and associates of phone number XXXX had somehow threaten me by perhaps contacting my apartment complex as the third party to stop my XXXX housing assistant. the landlord will not give specific probable cause. because I was not in violation of my XXXX. this XXXX accountant of address XXXX, XXXX , Texas XXXX, phone number XXXX of XXXX I must paid {$850.00} left that i could not paid monthly of {$50.00} anymore. just because the XXXX accountant could not wait every month anymore. the debt collector will not accepted a lower amount of {$30.00} or {$40.00} a month. I do work part time and had problems getting my Social Security XXXX benefits started again and other bills had to paid. but perhaps to contact my apartment complex third party to stop the XXXX should have no civil right of this debt collector.