davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IN)

I feel like I am being harassed by my student loan creditors. Shortly after I graduated from XXXX University in 2009 I was called numerous times a day by XXXX XXXX. When I looked at my phone I would have several missed calls and voicemails from persons from different numbers, at all times of the day. They would leave voicemails and disclose unappropriated information, some even making threating remarks if I did not call back. 
When I would attempt to call back, I would get the run-a-round with collectors claiming that I needed to make unreasonable payments of {$300.00} to {$400.00} a month. I would try and negotiate terms but feel helpless as if they were unwilling to work with me to come to some solution. 
I would make payments thinking, " anything is better than nothing " and still receive calls saying my payments were missed or late. This constant annoyance made it very difficult to actively fix my student loan situation. I felt personally targeted by many of the persons calling because they would imply that I was a " bad person '' because I was n't trying to settle my debt which is false. They would call my mother and father and leave voicemails. They have contacted my siblings and other family members after being told by myself and others to please stop. They have called prior places of work and asked personal information from my co-workers. 
The constant harassment I experienced causes me to feel paralyzed with fear due to relentless provocation. I am in the process of going through a 3rd party to try and settle my loans and repay for my college education. Although those calls stopped for a while, they have restarted again and have repeated called me in the same an hour, reached out to my family numerous times and also reached out my employer. Due to the fact I work in a XXXX it is forbidden for me to receive personal calls and Navient, once known as XXXX XXXX, has reached out to them several times. Not only is that embarrassing, phone calls are strictly forbidden and I could lose my job. I need help ... I do n't know what to do anymore.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

I only attended the school for less than 6 months. Could n't do the work and was getting no help and then the Dept of education investigated the school for fraudulent loans which then resulted in them closing the school down. XXXX XXXX was where my loans were then Navient started harassing me saying they took over the loan and would n't work with me even though I had already started working with the federal student loan filing a discharge of loan due to school closure. Navient then without service of paper work filed a case against me and managed to get a lien to take all of my money from my bank account. No notice was given, I found out when I was checking my balance and seen no money and I called my bank. I then called XXXX XXXX and filed an excemption and had to wait 15 days to see if Navients attorneys would oppose it, they never did so my money was released but now I have to figure out how to close the court case against me. All this time Navient would n't speak with me and the attorneys would n't send me any documentation showing me why they filed against me. They were rude and irate with me.
Consumer complaint received 2015-07-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: United Accounts, Inc. (ND)

Upon the end of my lease and moving out of XXXX in XX/XX/XXXX, I did not receive a refund, partial refund, or any written correspondence/explanation from the complex management or their management company, XXXX XXXX XXXX within the 30 days after vacating the property as required by law. Therefore, I never had an opportunity to offer any remedies to anything they determined deficient. 

However, on XX/XX/XXXX, I received a letter from United Accounts, a credit collection agency ( see attached ) with regards to their client, XXXX. Based on North Dakota Statue 47-16-07.01 requires a written itemization of and explanation of any portion of a security deposit not paid to the lessee within 30 days of termination of the lease. Based on this, I do not believe XXXX and XXXX XXXX XXXX XXXX XXXX followed the law with regards to security deposit limitations and requirements as I never received any written communications from the apartment management. 

Furthermore, United Accounts reported a " debt '' to the credit bureaus. I mailed a dispute to United Accounts via certified mail on XX/XX/XXXX. Attached is my dispute letter and confirmation of delivery which is within the 30 days of United Accounts original letter. 

Attached is my letter to the North Dakota State Attorney General and the response from their office. 

I continue to receive letters from United Accounts demanding payment in full. ( Attached ) I am requesting that United Accounts remove this from all credit reports immediately and this matter be closed by XXXX, XXXX XXXX XXXX XXXX XXXX, and United Accounts.
Consumer complaint received 2017-03-04
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc. (OH)

RE : Account # XXXX XXXX of XXXX. In XX/XX/2015 I was referred to Integrated by the VA through the VA Choice Program which allows Veterans to see a doctor outside of the VA Medical System if an appointment with the VA can not be obtained within 30 days. I informed Integrated that ALL of my medical expenses are paid by the VA because of my disability rating. Despite that and numerous conversations with XXXX and subsequently with the collection agency it referred my account to for collection - Choice Recovery - they refused to submit my claim to the VA and instead reported it to the credit bureaus. I want this credit report removed from my credit record. Your bureau is my last resort short of a formal complaint I will have to file with the courts.
Consumer complaint received 2016-01-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: NorthStar Technologies (OK)

XXXX XXXX XXXX a subsidiary of NorthStar Technologies XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX, Ok XXXX ( XXXX ) XXXX XXXX This company sent me a letter stating I owed a debt for {$4900.00} in XXXX 2015 and I immediately sent a certified letter requesting validation of the debt and a copy of their license to collect and received nothing, in XXXX 2015 I received a letter stating they were returning the debt and ceasing all collection activities. I received summons to appear in court on XXXX XXXX 2015 for XXXX XXXX Oklahoma as they have filed a lawsuit, after sending letter stating they ceased all collection activities. 
I do not live in XXXX XXXX, OK, nor have I ever and for them to fraudulantly sue me in this XXXX is additonal Fraud and FDCPA Violations, specifically after I requested Debt Validation and never received it and they sent me a letter that they were ceasing all collection activities.
Consumer complaint received 2016-09-28
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (MA)

Nearly 2 months ago ( XXXX XXXX ) I submitted a complaint against Ally Financial regarding my auto lease and nothing has been done. No one has contacted me regarding resolving the matter. In fact the opposite, I received another paper statement threatening that my account go to collections which would negatively affect my credit. In over 2 years I have not missed a payment and they now are saying I owe money that I do not and are assessing me late fees. At this point, this is harassment and I am seriously considering legal action against them. I would expect the CFPB to assist and to this point nothing. 

The issue is that I got the vehicle in NY and per my lease agreement and confirmation from the dealership, taxes were included into the lease payment. Because I moved, Ally is now saying I have to pay taxes that were already paid on the vehicle. Their customer service is inept. I called and spoke to someone in a foreign country ( XXXX or the XXXX ) for over half and hour. That person was clueless. I gave specific instructions and information and no one ever followed up. I called back a week later for a status update and that person was even more clueless and said that no one had done anything that they were supposed to do ( based on my instructions or what they said they would do ). I submitted a complaint and nothing has happened ever since. 

I will sue whomever I have to, to protect myself and my rights. I take this matter very seriously and expect the same level of importance be given to the matter that I am giving. I expect quick resolution.
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRSTBANK (AZ)

I tried to open the checking account with 1st Bank aka https : //www.efirstbank.com which was offering me {$200.00} for the new accounts after meeting certain conditions. I provided all the information and also the funding information ( from another account ) to fund this. Then i submit the application over internet. But next day i received the call that as per XXXX report - i am denied opening a new account. I was asked to check with them ( XXXX ). Why they are not letting me open the checking account at the fist place?
Consumer complaint received 2017-05-25
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (IN)

Representative from company continues to call after several requests from myself and spouse to quit calling. I have asked for a letter of proof of debt and who the owner of the debt is and never received it.   They tell us it is a federal student loan when in fact it is a private student loan and they are threatening " federal repercussions ''.   They have called my spouses employer several times and claimed to my wife that I gave permission to do so. I did not give permission nor do I know how to contact her employer.   I have asked to come to a reasonable payment agreement assuming such debt is actually owed and am continually asked to pay full amount as the only option.   I am tired of the oppressive calls which to my knowledge are breaking both federal and Indiana law.
Consumer complaint received 2017-03-09
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (GA)

Navient ( formerly XXXX ) continues to call, leave voicemails and threaten to ruin my credit for a student loan my son owes. I did not co-sign the loan. My son has spoken to them several times but they continue to call me. They are extremely rude, refuse to listen when I explain this is not his number and he does not even live in my house or in the same state I am in! I have asked them not to call, to communicate in writing with me if they feel it 's necessary but stop calling my phone. They continue to refuse and say they have every right to contact whoever they want in an attempt to collect the debt.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MD)

Upon entrance into XXXX, I was unable to afford college without help from grants and private school loans. I began taking out loans in 2005 with XXXX XXXX who more recently transferred all of my remaining loans to Navient. I have contacted every department possible, beginning with XXXX XXXX and now Navient, to attempt to consolidate and or refinance my remaining loans and have had no luck. I have been told over and over that they " ... do not consolidate or refinance loans ''. This to me is absurd. I am being held to live with what my interest rates, credit score and risk level was at the age of XXXX ; when I did not have credit or time to even establish any. I currently have loans with interest rates exceeding % 16. With my total owed amount exceeding XXXX, my principal payment is XXXX {$300.00} while the interest is in excess of {$700.00}. It 's robbery! This monthly payment is higher than my mortgage payment on a {$220000.00} home. I have also been denied internal Navient assistance programs and have had to go to top leadership for approval as a result of getting a new car loan ( after being in a total loss car accident ) and after obtaining a mortgage ( that was less than my monthly rent payment ). Navient has stated over a and over that I am not allowed to acquire ANY new loans until they have been paid in full or I will not qualify for their help programs ; even in the instance that the new loans are cheaper than the previous monthly bills. This company basically regulates your life! If you do n't pay, they have been authorized to garnish your wages. I have exhausted every avenue known to me, to include contacting outside banking institutions that used to consolidate private loans and now no longer do so. Resulting in me being stuck with Navient. I really hope this lawsuit shines light on this situation and brings it to the attention of new college students in their efforts to pay for school.
Consumer complaint received 2017-01-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (FL)

ny student loan was sold to a company called navient the problem is when i pulled my credit report they have my one student loans listing under several items making it look like i have numerous amounts of loans the loans were taken out in XX/XX/2007 after i applied and stated to them i could not attend if it was not only with grant money, XXXX stated back to me lets not worry about the money right now just get you enrolled. that they did now i am so far in debt and XXXX that i can not pay them back but yet they harass myself and my XXXX mother for money they know we both do not have.i just want them either removed or condensed into one item on my reports so as it doesnt look as bad to someone inquiring about me.this has cause much problems between my mom and i being she is a co-signer because i had to take the loans or would not have been able to keep going to classes. so not fair. please help me. i was XXXX when i applied for school to start with an i made sure they knew it. its been 9 years now and they still call they still write letters and they still post repeated items on my report to make it look worse then it is.XXXX year out XXXX XXXX women in america doesnt get a break she get taken.shame how it works out.
Consumer complaint received 2016-03-10
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (FL)

MY personnel information was used to secure a student loan from XXXX XXXX by my son without my knowledge or permission, he is now in default and Naviant, who took over for XXXX XXXX, wants me to pay. I filed charges against my son for fraud sent all of the information to prove that the loan was fraud. They refuse to accept that this was fraud. I have sent them a cease and desist letter and told them if they think that I owe them anything to take me to court, they refuse to take this matter to court. They or other collection companies that work for them are harrassing me with calls and reporting to the credit reporting agencies that I am in default when I owe them nothing. If I could find a lawyer that would repersent me I would file a law suit. But lawyers only work for the wealth poor folk like me have no one to help us.
Consumer complaint received 2016-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (WA)

I signed on for a private student loan with Citi Bank with my parent as a cosigner. My parents declared bankruptcy but did not include the loan in the bankruptcy as part of what would be paid. I am now unable to make payments on the loan or even receive any other information on the loan aside from the balance and from my understanding it will go into default after the bankruptcy ends. 

The only information I 've been able to gather from the loan is the balance, that it exists and that it is in " bankruptcy deferred default ''. The interest rate ( or historic interest rate ), or any other information other than the balance has been refused upon calling customer service. I was told I could make payments on the loan, but no proof of payment would be provided. 

I would like to find a way to avoid this default, as I have no history of missing payments on any loans and I have every intention of paying the loan back. Either to start paying immediately to keep the loan out of default, for my cosigner to be removed from the loan, or the loan to be put in a status where I can get a consolidation loan from another lender. 

I realize that bankruptcy laws prevent most of this information from being disclosed, but I would like to get this loan into good standing and continue paying.
Consumer complaint received 2016-02-10
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Hunt & Henriques (CA)

I. Hunt and Henriques sent me a letter dated XXXX/XXXX/XXXX stating 1 ) they had been retained by XXXX, 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. 

II. I responded on XXXX/XXXX/XXXX. In that letter, I asked Hunt and Henriques to validate the date. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Hunt and Henriques on XXXX/XXXX/XXXX. 

III. I also pulled down my credit report and saw that this debt had been charged off. 

IV. I was served with a lawsuit on XXXX/XXXX/XXXX by Hunt and Henriques regarding this matter. 


ISSUE : This firm stated they were retained by XXXX. That claim is patently false, since the debt was charged off. If Insert Original Lender was still pursuing this debt, it would not be at that status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as third party debt collector. 

The statements made by Hunt and Henriques in the letter are fraudulent and misleading, and intended to intimidate. Further, Hunt and Henriques has extended this fraud into court.
Consumer complaint received 2016-10-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (AZ)

my payment was returned for reason given .. returned payment - other. I contacted my bank and they advised me that nothing had been presented to them and there was plenty of money in the account to cover the payment and many more if wanted. The account number and routing number I used for the payment had never changed in the last two plus years I 've had the car loan and have used the same number ( saved on their website for easy use ). I resubmitted the payment and attempted to contact the company. I got in contact with a gentleman that was difficult to talk with. When giving my name and information I had to repeat it over and over for him. The loan is in my name and he said I am not on the loan and just kept repeating it. The loan has me as Primary person on the account XXXX XXXX. The guy just refused to speak to me, so now I 'm unable to confirm if there is any issues with account and to find out why they refused to process my payment which I do have confirmation emails showing it was on time and authorization received for it. Now a week later they said payment returned and account late. I want all records cleared for late payment ( if applicable ) and any fees adjusted ( if applicable ) and the employee that spoke with me fired or retrained.
Consumer complaint received 2015-06-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: ALLY FINANCIAL INC. (CO)

Almost two weeks ago, Ally 's fraud prevention contractor called me about a potentially fraudulent purchase. I confirmed that the transaction was unauthorized, and then called Ally 's customer service to order a new card. Both times, I confirmed whether recent transactions were fraudulent or legitimate. Ally told me that the fraudulent charge would not post. 

However, a few days later, the charge indeed posted, so I sent a message to Ally reminding them about our earlier exchange. After initially refusing to discuss the transaction over " secure messaging '', Ally claimed that the charge in question was an entirely different transaction, even though it was from the same merchant, on the same date, and for the same amount. Even though I thought we had resolved the fraud earlier, Ally insisted that I fax ( yes, fax ) some forms to them. After I replied that I had no easy access to a fax machine in 2015, Ally reluctantly agreed that I could instead email the forms " as a last resort. '' They confirmed my email address, and later said that somebody from their " executive response team '' would contact me. 

A week and a half after the fraudulent transaction, I received the mailed forms, but apparently they forgot about the electronic copies that they said they would send me. I 've also yet to receive the promised call. It seems they 've lost interest in my case, though at least I 've finally received my replacement debit card.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (TX)

I went into Home Depot located a XXXX XXXX XXXX XXXX, Texas to purchase some home products. At the cash register, the cashier indicating that they had special promotion because of XXXX. She took my personal information ( drivers license & social security number ) but never indicated that she was submitting an credit card application. She told me that when I got home to just throw away my receipt. A few days later, I was surprised when I received a Home Depot credit card ( issued by Citibank N.A . ) in the mail. The cashier should have been clear that she was submitting an credit card application as this could negatively impact my credit score.
Consumer complaint received 2015-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Navient Solutions, LLC. (FL)

I received a letter from Pioneer Credit Recovery claiming I owed NY State {$1500.00} in income tax. I called to tell them this was incorrect. They " transferred '' me to a NY State tax official, but it was someone impersonating a government official. I stupidly gave them my SSN and maybe my DOB. I fear that they will use this information for future fraudulent action.
Consumer complaint received 2016-05-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: BlueChip Financial (CA)

This company spot loan submitted an illegal usury interest rate claim to these people that is called XXXX banks XXXX ... .I do not owe these people anything and would like for them to stop harassing me ..I am XXXX ... .years old and can not take this type of consistent harassment.