davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (PA)

Greetings, Master card account ending in  XXXX  has been closed for over 2 years, however, account was used for marketing purposes to reopen. I have repeadeatly asked for account to be removed from online profile as a security risks and to prevent marketing contact. Previous attemps were stated acco  unt CAN be removed if not used within 120 days. However, this account has met this crietia and surpassed amount of days by 2 years. I am requesting account be removed from online profile to prevent any fraud activity.
Previous complaint response refused to identify why account CAN NOT be removed from online profile. No reasonable explanation has been given by respondent.
Consumer complaint received 2016-02-11
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (NY)

Navient has called me and my relatives 27 times in the past 24 hours. This is extreme harassment. I scheduled my payment to be made but their incompetant customer service cant get past that. I work XXXX hour days from XXXX to XXXX I dont need to be harrassed by them when I have this mountain of debt to worry about.
Consumer complaint received 2016-07-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Big Picture Loans, LLC (FL)

this company use to be castle payday loans now it is Big Picture Loan. They do not tell you how much interest til you are approval for the loan in documents. Did not read the fine print. Interest for XXXX for the first XXXX payments XXXX is interest does not go toward the loan at all. the payments are differentXXXX is the finance charge and when loan is pay off it will cost be {$8000.00}. They never talk to you on the phone. approval over the internet. what can I do? I already have pay XXXX payments of {$310.00}. I got scammed and I do not want more people to be effect with this company when you really need money should be a easier way and not cost fortune.HELP!!! loan number is XXXX.
Consumer complaint received 2017-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (WA)

I had a credit card  with Chase with a date o f last activity i n 2012 and  a Chapter  XXXX  bankruptcy discharge.  Today I received a letter stating that Chase was still charging my account late fees and interest. I called the number on the letter and was told that I had to call their " recovery '' department " to find out why they are doing this and to get them to remove it. '' I explained that this debt was discharged in bankruptcy and therefore there is no account or balance they can charge. The person on the phone acted confused, then agreed that her records showed this. Nevertheless she refused to tell me what Chase is up to, why they are still trying to collect a discharged debt and refused to resolve the issue. I told her I would not be making any more phone calls to " find out why '' Chase is deliberately breaking the law and would be filing a complaint.
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CA)

I have repeatedly verbally requested them to stop calling me while I 'm at work and that I am paid XXXX and would be able to make a payment arrangement with them at the beginning of the month after I am paid but they continue to call XXXX times per day.
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: Navient Solutions, LLC. (GA)

I am by no means trying to get out of paying my loan, I borrowed money, I want to pay it. I have called multiple times within the past two years trying to set up a lower repayment plan. I was told that I was as low as I could go. They told me forbearance was the only way in which to proceed. I wanted to pay {$18.00} less a month and they said no. Is n't paying money better than not paying any money. Additionally, why do you not taking into cost of living when considering the repayment plan. I have gain a lot of interest when I would n't have if they were willing to work with me.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

I have applied for a hardship repayment plan numerous times. The first time information was sent to my home address. I signed the documents, provided the requested information, then mailed it back in. When I called the rep he/she stated, the department probably could n't read my documentation so my claim was denied. I requested the faxed number, and resubmitted the information, so that I was sure the information went through. I received the confirmation page, but never received any communication from Navient regarding the hardship repayment plan. My loan has been in forbearance while waiting for approval or denial. I will be calling again on XX/XX/2017 to ask more questions, because the forbearance has ended.
Consumer complaint received 2017-05-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (SC)

I have tried to pay the payments that were agreed upon. However I explained to the lady that I am the on ly one worki ng in a household of  XXXX  and that I simply do n't have the money. They tried to lower the payment but is was n't eve n a hundred dollar s. I ca n't make this payments and support my family. I got this loan  in 2010 for  {$14000.00} I now I owe over {$19000.00}  seven  years later. I feel like i ca n't win
Consumer complaint received 2017-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX    XXXX    XXXX   XXXX  show me being late on paymen ts 180+ da ys from  XXXX   XXXX  through  XXXX   XXXX  - That account was closed and paid in full in early  XXXX
Consumer complaint received 2016-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

I make my routine monthly student loan payments via automatic payment- I have XXXX loans, XXXX subsidized and XXXX unsubsidized. On XXXX XXXX, 2016, I made an extra payment which I wanted to go to XXXX loan only and as a principal only payment. Navient did not have any means on its website to provide these directions, so I immediately sent an email with the instructions. A few days later it was not made, so I sent a follow-up email with further instructions. Today, because it was not corrected, I called to make the change. The CSR with whom I spoke said that I could not make a principal only payment. That sounds inaccurate and illegal.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (RI)

It is impossible to view a statement with clear numbers for how much I owe, how much the interest rate has gone up and even the dates for the loan. Specifically they increased my interest rate and I ca n't look at previous statements to see when. I think it was this month. I 've had a loan with XXXX since XX/XX/2004, then Navient. For YEARS it 's been impossible to deal with them - repeated misplacement of documents during consolation, differing information between agents on the phone, hours spent trying to answer simple questions and changes made to payments without my consent. I have many years documented, including names, id numbers and conversations. Most currently I just want to see a statement and the online site has no option to do so. Also the loan never said it was variable when I first signed on with XXXX. It was sold to XXXX, and is now under Navient. Please help!
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

I am complaining about Navient. 

I was pushed into a forbearance program even though I was willing and wanted to lower my payments. This has resulted in accumulated interest that is crippling my ability to pay this down even after paying for 7 years.
Consumer complaint received 2017-01-14
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (GA)

I called Discover card to advise them that XXXX ( internet services ) credited {$380.00} to someone else 's account. I had no balance on my ( correct ) account and asked both XXXX and Discover to ensure that this unauthorized payment was not made. The payment was " pending '' when I called these two companies on XX/XX/2017. Both XXXX and Discover representatives ( on a three way call ) advised me on XX/XX/XXXX that the authorization had been removed and that the {$380.00} will not be taken out of my Discover account because it was unauthorized. Today, XX/XX/2017, I learned that after both XXXX and Discover representatives advised me the authorization was removed, XXXX went ahead and again requested the money from Discover and Discover charged my account for that amount, which they had just been advised was unauthorized. Both XXXX and Discover representatives were fully aware this was fraud. I have spent hours on the phone trying to get the money stolen from me refunded to my account. As of today, the money has not been refunded. I believe you need to conduct an investigation into these fraudulent practices. Discover and XXXX colluded to defraud me of {$380.00}, and caused additional damages given the amount of time I have had to spend on this matter, without a resolution so far. I am also looking into pursuing a private fraud case against both companies. Let me know what your investigation results are.
Consumer complaint received 2015-11-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I gave a months notice and I moved out of a house. The room mates stayed and did not pay rent and received a judgement against them and my name was attached to it even though I moved out. It has killed my credit and would like my name taken off the judgement and restore my credit above what it is now. Thank you XXXX
Consumer complaint received 2016-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I got a loan from XXXX XXXX in XXXX Indiana about 6 years ago, and went to class about a Week. This put me in the hole about {$10000.00}, this seems very ridiculous. I have been struggling to stay out of default on it, I feel like i was pressured into this loan, and did not understand the terms. How can I get some help? I keep seeing on TV that someone has opened up a lawsuit against them, how do I help?
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. (MA)

I refinanced some of my student loans from Navient ( originally XXXX XXXX ) using XXXX student loan refinance option a few years ago. I gave instructions on which loans to pay off because the interest rates are different and I did n't want to pay more interest through XXXX for certain loans that had lower interest rates through Navient, but was unable to control how the payment was applied due to the way that Navient breaks down each loan ( they use XXXX account number for all of the loans, and each loan has different interest rates ). Payment from XXXX ended up getting evenly distributed to each loan instead of being distributed to the specific loans I wanted to eliminate. I had intended on paying off the loans with the highest balances and highest interest, and wanted to keep the lower interest loans through Navient. Instead, the payment was applied to each loan, leaving me with a bunch of smaller loans ( each of which has interest that gets compounded daily, costing me more in the long run ). Having several small loans on my credit report inhibited me from being able to buy property because it appears to be too risky of an investment for mortgage companies. I also previously had a lot of trouble negotiating with Navient and XXXX XXXX when trying to consolidate, refinance, or change my payment option. They ended up talking me into deferment instead of changing my payment plan to a more reasonable/affordable amount. I was paying over {$600.00} a month total between all of the separate loans, and they said I did n't qualify to lower my monthly payments because each minimum monthly payment amount was relatively low individually. With XXXX loans total ( XXXX loans distributed per semester ), small payments of {$50.00} each adds up fast when you look at the figures as a whole. I saw in the news today that Navient is being sued yet again for their fraudulent practices and would like to share my experience in order to prevent more students from being scammed.
Consumer complaint received 2017-01-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

I have parent plus loans. I have worked out payment arrangements with Navient and XXXX. Navient has all my current information but people I know have been receiving letters asking for my address, telephone number and employer information. The letters claim I used them as references when I did not. I contacted Navient about this but they can not explain why these letters were sent. As a result, I asked them only to contact me by mail. They call me day and night, practically every day when I have already made payment arrangements. I want the harassment to stop. I make the arranged payments on time each month. I do n't know what else to do. It 's an abuse to contact people I know about my debt when the company has my information. What is the motivation for this? Embarrassment? I always call Navient when requested. From now on, I only what to be contacted by mail. I told this to Navient but I do not expect this to happen.
Consumer complaint received 2017-03-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

Navient called an ex boyfriend from 8 years ago and left him a voicemail with my name and that I was late on my payment. His contact information is not linked to my account and never was. I feel as if this is harassment.
Consumer complaint received 2023-04-15
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

; Hi my name is XXXX XXXX, and my citi checking account ending in in # XXXX was closed down XXXX XXXX for no reason. I called the customer service at least a handful of times with no success of getting a reason. I have now visited the branch over four times now and I have still not gotten any response into why my account was closed. I have also talked to the bank manager XXXX XXXX at the branch located XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. After talking to her I still do not know why my account was closed. I have my hard earned money in my account and my tax returns I received just a couple of days prior locked in my account with no real answers of why and when i will get my money back from citi bank and this branch. They are stating that my tax returns are fraudulent as if they are tax experts or accoutants but with no proof that i did anything wrong besides assumptions. On the other hand I have came into the branch with my identifications, my irs proof showing the amount that I was suppose to receive and the citi # XXXX it was suppose to deposit in, Everything on my end matches up. My name, my ssn, my dob, my refund amount and proof of it from the irs websites and my acct. lastly the irs before sending out the refunds they review it so if there was a problem with it, they would not have sent it out to me. I just want to be treated as an equal, when I have been in the branch, I see how im treated and looked at compared to the other people in there that do not have the same pigment in their skins as I do. They get there money with a smile from the clerks, but I ask for mine and it a problem for a XXXX XXXX  to have money, it must be a scam, it must be fraudulent. I have been disrespected and most importantly not getting any help on how I will be getting my money back.
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. (CA)

I made several calls to Navient in regards to lowering my payments based on my income. I was instructed over the phone to go on line and see what plan I qualified for. In the meantime Navient would put my loans in forbearance for a minimum of 60 days, but before the time was up, Navient would send me messages stating that my loan amount had increased as well as the interest. The amount went from {$400.00} plus dollars, to {$800.00} and then {$1200.00}. After reviewing the loan plans, I was only eligible for XXXX, and that 's because they do n't give Parent Loans any justice. Also, every time I applied for this one income based payment plan, the re-payment amount rose to more than what I was able to pay. I was always told that they could n't get it any lower. There have been numerous occasions to where I needed clarification on there polices and payment plans, but the representatives were n't capable of helping me, and I do n't think they knew how to explain any of the plans properly. The website is very confusing and non-user friendly. I filed a form, and sent it in, and received in the mail a letter stating that I did n't qualify so they put me on another repayment plan that resulted in higher payments.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (CA)

The accounts I am disputing are in my credit report they do not belong to me I have disputed these many times with the bureaus as well as the furnishers I have opened an FTC for these accounts and have a notarized affidavit for these accounts that are not mine and yet no one is sending me anything back or removing these from my credit. Why do I have to pay for someone elses doing. These accounts are causing me great grief and no one is helping with Identity theft. My next step is to file a police report and have all these companies and accounts investigated. 

XXXX XXXX XXXX - Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX BARCLAYS BANK DELAWARE - Acct # XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX - Acct # XXXX XXXX {$19000.00} Opened XX/XX/XXXX XXXX XXXX -Acct # XXXX XXXX {$11000.00} Opened XX/XX/XXXX XXXX XXXX- Acct # XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX XXXX {$5500.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX {$6200.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2017-03-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WA)

Today XX/XX/2017 I just received in the mail ( XXXX ) an seattlement offer letter from navient that was dated XX/XX/2017. The offer states that it is a payment plan however it says that I must have it paid in full electronically directly to navient no later than XX/XX/2017. Not only did I not recieve the offer until a month after they dated it, navient did not give me appropriate time to respond let alone actually work with the company to reach a settlement in which I could send them the funds. According to the letter, I need to pay the amount in full immediately, but the offer was significantly higher than they offered me or my cosigner over the phone, just days ago. The offer also had incorrect financial data ( compared to their own website ) The offer states that if I did not accept their offer and pay immediately, I will be held to the total amount due of all my student loans, the number that they provided includes federal loans which are not in default at all. There numbers also take into account what they estimate how much I will owe navient. Not a current balance ( including interest and fees in advance ). In addition this settlment offer does not cover which loans, what type of loans, if there will be any additional fees etc. 
I feel as if this is act of retailation to my last complants I filed w cfpb. I filed simular complants w cfpb in reguards to over charging my account, not correctly reporting payments, not listing payments made ect. In which I have yet to recieve any resolution or communication from navient about. 
I plan to call them back tomorrow and and request 2 weeks which the law allows to review the offer. I am very frustrated and concerned by the fact that this seems like another illegal attempt by navient to illegally hurt, intensionally mislead, and damage the life and wellbeing of student, cosigners and borrowers.