davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

There are a number of issues I have encountered wit  h Navient that I had assumed were just normal frustrations over loan servicers. Issue number one was the obscure emails I would get stating that my, " Loan document was ready to be viewed '' and was then provided a link that would not take me to my loan documents, but rather my normal servicer website. I would then have to work extremely hard to even find where my loan documents were as they were not filed under any normal tabs or website areas ; I would be directed to login to a separate page and when I would, I would be directed back to my normal Navient account website.
Issue number two, I have attempted to apply for income based repayment plans four separate times with no success. I apply online, my husband finishes his portion of the application that is sent to him, then I get an email letting me know I would be informed when I was approved or denied. The first time, I never got such email so I called Navient after a while and was told the application was never completed ( even though I had    emails proving it ) and I would have to start a new application, but that they would apply a forbearance until it was approved. During my second application, I was requested to provide proof of income, but that if I applied through the IR S Data Retrieval tool, it  would automatically pull income for proof. I decided to apply through the IRS  Data Retrieval  tool to streamline the process. However, I received an email later stating that my application had been denied again since I did not provide proof of income. When I called to discuss this, they said my application was, indeed, expired and I would have to apply YET AGAIN and they would apply an additional forbearance. My third time applying for income based loan repayment I was switching jobs ; I left my previous job in  XXXX , started my new  one on   XXXX   XXXX  but would not draw a paycheck until the end of  XXXX . I applied the third time, immediately calle d Navient and  inquired about my proof of income since I would have no paychecks or pay stubs until the end of  XXXX . I was informed that I would be able to provide a letter of job offer that had my pay scale included in the letter. I contacted my HR department, received the letter, and submitted it t o Navient and  was later informed that my application was denied because a letter of intent did not count as proof of income.   Third, I recently received an email that my loan payment amount was about to change and that action was needed as my income driven repayment plan was about to expire. However, I was never approved for an IDR plan and was still required every month to py {$350.00} instead of an amount based on my income.
Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (MN)

I went to deposit a check for {$200.00} at the ATM at the  US Bank Branch  at  XXXX   XXXX   XXXX   XXXX , MN on my way out to dinner and a  XXXX  game with friends. I inserted my debit card and was prompted to insert the check. When I put the check into the ATM it seemed to malfunction and kept pulling the check in and out. Then it took the check in and kept it. The screen informed me that the machine had malfunctioned and that my deposit was NOT completed and it could not return my check. The ATM then asked me for the deposit amount of the check and printed out a receipt that says deposit attempt also telling me that an error had occurred. I went into the branch and told a teller who then said I would have to wait for banker and that I should take a seat. I told him I was with a group and did not have time as I did not want them to wait for me. I called the  XXXX  number on the so called receipt and I was told that there was nothing they could do and that I would have to wait a few days to see what had happened. I checked my account online and it showed a deposit and a debit both for {$200.00}. The next morning both of those lines were gone with no mention of either on my online account. I called the  XXXX  line again and spoke to  XXXX  who said she would help and took some information. I was not satisfied with that and went back down to the US Bank Branch, paid {$8.00} to park. I then spoke to a  XXXX   XXXX  who claimed to be a manager. When he checked on his computer there was no record of my calls to customer service on my account. He was n't very friendly or helpful but did file a tracking number which is #  XXXX  and told me that they would have someone check the ATM. He mentioned a provisional deposit for the check but I have not seen anything on my account. I thought banks had a fiduciary responsibility for a deposit no matter if it 's a ATM or a teller. They took my money, lost it and do n't seem very interested in resolving the matter.
Consumer complaint received 2017-04-12
Product: Prepaid card — Gift or merchant card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (CA)

I purchesed a prepaid gift card and put {$300.00}. On it at register. When i opened packaging I noticed te last 4 digits of the credit card number were scratched of by someone. I immediately went back to vender ( XXXX ) who then called card services at US Bank. Card services explained that the card was good and to use it with last XXXX digits that show on receipt. After the card declined i once again called card services who again told me the card was good and to try using it at XXXX to purchase something. Of coures it declined and by that time someone had already stolen the funds. Card services fraud explained it would take up to 90 days to investigate. After calling twice for status and being told there was nothing yet to tell me it has now been 91 days. They told me they have no notes at all for me and are escalating an enquiry. I feel ripped off by US Bank as much as I do by the persons who used the card. US Bank has had three month to resolve this and hasnt. They dont even have any information for me what so ever. The card was clearly purchased compromised and I am entitled to a refund.
Consumer complaint received 2020-04-23
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: EQUIFAX, INC. (NC)

I sent Equifax & XXXX  copy of ftc, police report and numerous about the fraud accounts to be remove. I been sent correspondences for a little over a year trying to get inaccuracies removed from credit report. XXXX  continues to not investigate fraud inquiries or say it that it frivolous request per XXXX, XXXX  has block me for online disputes and have to get transferred 4 or 5 times when i do call. The next action is lawsuit for XXXX and possible Equifax aswell
Consumer complaint received 2017-08-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (TX)

On complaint XXXX I have received a letter from TitleMax stating they sold the vehicle and there was {$1600.00} SURPLUS and the letter states that a check is enclosed- there was no check enclosed, therefore I have n't received the surplus amount. 

I have called TitleMax on X/XX/2017 and they say they ca n't find me in their computer system and a manager will have to call me back. This is unacceptable. The letter clearly states at the bottom that a check is enclosed and yet no check was received and NOW they say they ca n't find me in the system.
Consumer complaint received 2017-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (LA)

I have paid my bill on time every month and it was never updated on my credit report. The loan is now completely paid out and the whole balance is still showing. This account should be closed with a {$0.00} balance.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NY)

The process to do anything about student loans is ridiculous. I 'm trying to consolidate my loans and I have had to deal with at least XXXX separate agencies to accomplish this. Student assistance Corp, Navient, and now studentloans.gov. Stop making everything so complicated. When I called Navient for details on all of the information about my loans the call center rep was n't really sure about all of the loans that I had with them. She also stated that she did n't have access to all of my accounts. That leaves me with zero confidence that anything that is being serviced by them is legit.
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (OH)

I recently filed a complaint about how Navient erroneously put my account delinquent by 3 months, even though my payments were up to date. Since my first complaint was filed, Navient has rectified that issue, and immediately caused another one, that I am fighting to get corrected. Once Navient took the delinquency off my account, they increased my total balance due by about {$50.00} more than what it was after I made my last payment. A couple days have gone by, and they are showing that I now owe {$65.00} dollars more than I did a month ago. I have no late fees or anything like that on my account, yet the interest just keeps racking up every day. I have NEVER had this happen to my account, and Navient is now claiming that every day I am getting charged more and more interest and it does not make any sense. I am now caught in the middle of yet another one of their many schemes. How I am ever supposed to get my loan paid off if they keep tacking on {$65.00} every month?
Consumer complaint received 2017-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: LOAN TO LEARN (GA)

This loan provider continues to report negatively on my credit report. All of my other loans have been able to be deferred when I was in school, apply for a income driven repayment planned and or have a forbearance. This company has made it increasingly hard for me to reach anyone with regard to my account and making it become available. When I first called they told me that it was reassigned to a lawyer in Massachusetts. When I called them they were not able to give me any information about my account. The next time I called, they told me that my account had and reassigned to a lawyer in Tennessee. When I called them they were not able to give me any information about my account. The last and third time I called, I was told that it was reassigned to a lawyer in Tennessee, XXXX When I called them they were not able to give me any information, instead they said my account was reassigned to a company called EduCap. They gave me a phone number and when I called the phone number was not in service! I do n't know what I 'm supposed to do in terms of paying it off if I ca n't reach anyone yet, Loan to Learn continues to report missed payments to the credit bureaus and Educap did not have a working phone number.
Consumer complaint received 2017-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MN)

I received a letter from XXXX on XX/XX/2010.This letter said my loans had been paid in full. Along with this letter it explained the national credit bureaus was going to be updated and removed from default status. I soon found out this was untrue. I was contacted by a company called Navient. I was wondering why i was repaying for a loan that had been paid in full. Navient explained they had took over for XXXX. I provided the same letter that was sent to me from XXXX. Navient never removed and they are destroying my credit and it has impacted my credit score.
Consumer complaint received 2017-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: D2 Management LLC (IN)

COLLECTOR FAILED TO VALIDATE DEBT AND IGNORED CEASE AND DESIST AND DO N'T CALL ME OR OTHERS. ON XX/XX/2017 XX/XX/2017 MY FAMILY MEMBER REC 5 CALLS ON HIS CELL NO XXXX. WENT ON CREDIT REPORTS. 
CALL REC FROM XXXX
Consumer complaint received 2017-04-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I had XXXX XXXX loans from my XXXX degree, XXXX of the loans were issued between XX/XX/XXXX and XX/XX/XXXX. I paid off XXXX to XXXX, and XXXX was later turned over to Navient. I was fortunate to be able to make payments on time ( to XXXX ), however, I did find that when I came to my very last payments, when I would pay what was supposedly the final amount, the payment would take longer to go through. By the time it would be processed, the loan would have accrued more interest ( and I would thus still have more to pay ). It happened with both XXXX and Navient. The first time, I did n't know this, so after waiting a couple of weeks and not yet receive any sort of notification that my loan had been closed out, I checked again and saw that I had accrued somewhere around {$15.00} or {$20.00} worth of interest. I paid this off and the same thing happened again, however, I was able to catch it, and eventually close out the student loan with XXXX. The same thing happened with the Navient loan, however, I paid more attention and was able to prevent the lingering amount from compounded as much. Nonetheless it was massively frustrating and made it QUITE clear that neither company has any interest in its customers actually paying off their loans.
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (CA)

I filed a dispute with equifax about XXXX XXXX. I had called and canceled my service and i was still being billed from XXXX. I have tried multiple times to get this removed from Equifax and XXXX. I am not satisfied with the response I have received from XXXX or Equifax. There in the business of handling people credit as it effects the outcome of buying on credit yet they take no financial responsibility of ruining someones credit. They are quick to post information on someone credit and yet they take there time in determining wrong information on someones credit report and when and if it will be removed. When time is of the essence. Also I feel XXXX is retaliation because of my prior complaints and have decreased my credit score by XXXX points for a account that I have never been late on I have a good standing and the balance is {$110.00}, XXXX points for one account seems a little excessive.
Consumer complaint received 2017-04-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

I have tried on multiple occasions over the past year to get an income based repayment plan set up in which Navient has told me that I do not qualify. I have also tried to get my cosigner to be removed so that I would qualify since they are not paying back any of the loan. Navient has told me that I can not have her removed and combined we make too much. 
I recently ran into some medical expenditures and tried again. I spoke with a woman who informed me that I have qualified in XX/XX/XXXX and it is not XX/XX/XXXX. She then went on and played a forbearance message for me which I did not agree to. I told her I do not want to forebear but lower my payments due to income. She had her manager come over and fix the recording and played an income one which I agreed to for the amount of around {$170.00} a month. 
A couple of days later I received an email saying that I still owed a payment for the month even though they needed a payment upfront. I thought it was odd but they explained it to me as I was to pay more this month to get the lowered payments for the next 14 months. I received another email saying that my income based payment plan was going to be {$160.00} instead. I thought that was great! Knowing what they had told me over the phone I checked to see if my additional payment for the month was going to be lessened as well. When I looked it said I was in forbearance!!! I had specifically asked to ensure I would not be in forbearance and I did not agree to be in forbearance.
Consumer complaint received 2017-04-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

I was paying XXXX XXXX {$200.00} a month, had it down tob {$19000.00} then they said that was n't good enough and wanted {$350.00} a month. I told them, i could n't afford that. They were very rude every time I tried I work something out. Recently I found out they had written off the loan and have sold it to XXXX different collection agency who are now charging me over {$33000.00}. I 'm literally afraid that they will ganish my wages. Of the do I 'll lose my house, car and my job.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

Despite 2 written requests, unverified accounts still remain on my credit report. The bureau stated in their responses that the accounts were listed as valid, however failed to send me the documentation that they used to verify the accounts as I requested in my letters of dispute. The company has ignored my request which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to Civil liability and the remedy available to me ( Section 616 & 617 ) If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.
Consumer complaint received 2017-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NV)

XX/XX/XXXX My name is XXXX My Parent Plus Student loan is now been service by Navient Acct # XXXX XXXX On XXXX XXXX agreement was signed with the intention to send my XXXX year old to attend school at XXXX in XXXX XXXX, Ca. with a XXXX loan from XXXX for {$23000.00}. She did n't attend and moved to another city. In XX/XX/XXXX I filed XXXX bankruptcy due to the financial nationwide real estate collapse since I was in real estate and I was foreclosed on my house. During that time I tried to contact them to make sure all my financial facts were correct during my meeting with bankruptcy attorneys. I was not able to get a response from them and I was informed they closed because of legal issues due to predatory, deceptive and unconscionable lending practices. 

I spent the next 5 years making $ 650 monthly to the court required by my bankruptcy. In XX/XX/XXXX my bankruptcy was discharged and never hear anything from them. On XX/XX/XXXX ( 2 years after my bankruptcy discharge ) I got a letter from Navient stating that my request for forbearance of the payments was just recently approved. I never even talk to anyone since I filed bankruptcy in XX/XX/XXXX. Navient said they were servicing my loan now and that my loan balance now was {$46000.00} at 8.50 % interest. And that my payments would resume on XX/XX/XXXX ( the month after ) for {$600.00} monthly. Since then they have been calling me more than once everyday even if I explained the situation to them and the confusion. I told them that I was not informed of this loan to be paid during my bankruptcy and that I was incurring interest at 8.50 % during my bankruptcy protection that lasted 5 years.. I will be XXXX years old in XX/XX/XXXX. My health is not well. I am taking XXXX and medication for XXXX. I am on XXXX, XXXX XXXX for my XXXX and have XXXX.I told them I was't aware that there was even a loan, never less that I was incurring interest during the 5 years of Chapter XXXX bankruptcy protection. They are very aggressive. Every time the representative offers me to talk to a supervisor they never come to the phone. Once they told me they were going to transfer me to customer service and instead they hanged up on me. I have call them back numerous times trying to see if the problems is solved and all they want to do is collect or push me into and sign a forbearance were interest keep growing. 

Please I need help to resolve this issue as soon as possible. I am XXXX and this is causing a lot of XXXX in my personal life and health. 

I really appreciate it! 

Thank You! 

XXXX XXXX XXXX
Consumer complaint received 2017-04-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (FL)

MY Private student loans were discharged in a Chapter XXXX bankruptcy. Navient after 5 years has started to try and collect on these debts and have attached my credit as result. I have the legal document showing the discharge of the debt. They are at this point threatening legal action against me.
Consumer complaint received 2017-04-15
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AutoNation Enterprises Incorporated (TX)

I purchased a vehicle on XX/XX/XXXX from XXXX and it was financed by CIG Financial. As part of the transaction I traded in my previous vehicle that still had a loan pending and part of the sales contract was for my previous vehicle to be paid off. 

CIG Financial funded the transaction without verifying that the dealership paid off the trade in. The dealership never paid off the trade in and now I am left with XXXX active car loans. The dealership went out of business a couple months later filing a no asset bankruptcy and retain the vehicle. 

I contacted CIG Financial on XX/XX/XXXX and XXXX asked me to send him the documentation showing that the trade in was not paid off to later tell me that they will not do anything about it.