davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

I was a XXXX mother who wanted to take care of my son without using the system. I decided to go back to school and decided to become a XXXX. I chose a school at the time called XXXX in XXXX Washington. 
I did n't realize that XXXX would cost me a arm and a leg and would also put me in a financial hardship that would cause me not to be able to get a home loan in the future. What took place is no one told me that XXXX cost well over the actual cost of other programs at local XXXX colleges for XXXX. XXXX cost was {$13000.00} per student and other colleges which also offered XXXX degrees cost {$8000.00}. 
I attended XXXX and took out loans because the financial rep said that all I qualified for at the time I never attended college and believed her. I started to have hardship because I needed to work and the program only offered a early morning session and a late evening session so I had to ask for a leave. NO ONE told me that taking this leave I would still be responsible for the whole loan! 
When I decided to go back and finish the program the school location changed and so did the name it was now called XXXX! Well XXXX had me go through everything all over again and since I had attended the school in the past I was supposed to get a huge deal NEVER happened another {$13000.00} plus but I finished and found a job without their help! 
I thought I would be done with these type of schools and lenders lending to these types of schools that lie just to fund THEIR employees and pocket money. I decided after being a medical assistant I wanted to get a CAREER I looked into schools for the working person and found XXXX. I researched and researched being that XXXX XXXX XXXX was a student and Alumni I was like okay this may be a great school. 
Another school that told me you qualify for nothing but LOANS, now I owe {$60.00} in student loans I have my XXXX I only make $ XXXX I am barely making ends meet, I do have my XXXX, however its in XXXX XXXX and NO ONE has yet to hire me with it. I cant seem to offered to pay my student loans, I cant get qualified to buy a house the lenders ONLY see the student loan debt. When I called Navient and asked why was I only qualified for loans when I am very low income they said because of the school I chose to attend. IF this is the case being that all lenders get borrowers information why not red flag and say NO this student should continue to look into higher education that would be more beneficial to them financially. 
I have a degree I cant do anything with and I cant afford to pay anything back I am stuck in one space praying for hope!
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: KEYCORP (TX)

I am in the process of purchasing a home and have discovered that I have a charge-off reported on my credit report. The account is from Key Bank. I can give you the account number another time when requested. It is being reported as a {$0.00} balance charge-off last updated in XXXX of 2018. I did have an account with Keybank for financing a boat that I had purchased. My old business partner had taken over the payments and I was not notified until XXXX of 2018 that he had ceased making the payments. At that time I immediately contacted Key Bank and paid the balance that they said I owed ( {$32000.00}, see attached document as receipt of payment ). I have contacted Key Bank in regards to them misreporting this as a charge-off debt as I did pay the debt and did not receive a XXXX from them in 2018 asking them to please request that the account be deleted from the credit bureaus ( and provide me with a letter for my records ). They have taken the stance that they have accurately reported the debt and can not do this. 

As, I did pay the debt in full as they told me that was owed ( speaking with them today they informed me that I negotiated a settlement for {$2000.00} less than what was actually owed ). I did not propose a settlement with them at that time nor was I aware that was even an option ( Had I known I would have requested a much lower settlement then {$2000.00} off of a {$34000.00} debt ). 

I am in the process of purchasing a home and because of their misreporting of the debt to the credit agencies and their refusal to cooperate with deleting the tradeline, it is costing me thousands more in closing costs as it is affecting my credit score by XXXX to XXXX points depending on which bureau you look at. 

Again, as soon as I was notified by KeyBank that the payments were not being paid at and the debt was in a delinquent status I immediately contacted them and settled the debt for what I was told to be in full. 

I am requesting that it be deleted from all 3 credit bureaus.
Consumer complaint received 2017-03-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (PA)

Received a bank cashier check for {$2800.00}. 
This was sent for a {$400.00} internet sale and the {$2800.00} supposedly was sent by mistake. 
I was instructed to send the difference less an extra {$20.00} for the XXXX XXXX. 
BB & T waited 3days before putting a hold on the check as suspicious but not until I had withdrawn the requested balance. 
The check proved to be a counterfeit and at the time I did not know it was possible to counterfeit a cashier bank check. 
I then contacted a XXXX from the BB & T fraud department and was told that I should have been suspicions of a cashier check from a obscure bank. I explained that I was just a retired XXXX on XXXX and how should I have known. When I asked XXXX if BB & T was going to investigate she explained that " they probably left the country by now ''. 
I believe that BB & T should be held responsible for the forged check for the following reasons : 1 ) From the direct words of BB & T fraud department the XXXX branch of BB & T where this was deposited should have been suspicions of the obscure bank the cashier check was drawn from. 
2 ) BB & T should never had issued a withdraw on a suspicious bank cashier check and instead should have waited until this hard posted. 
3 ) Expecting me to believe that the apprehension of the individual responsible for the counterfeit bank check is a pointless idea since they are now out of the country is ridiculous. Since when is {$2400.00} reason to leave the country? This only demonstrated BB & T lack of interest in pursuing the criminal activity and choose the easy route of holding me responsible for the funds. 
4 ) I have a second and supposedly unrelated checking account that was made with a cash deposit. As of XX/XX/2017 I am unable to access these funds and currently have no explanation from BB & T. This action has left me penny-less with now funds for fuel and food until my next XXXX SS check on XX/XX/2017.
Consumer complaint received 2017-01-06
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (FL)

I bought a car that had a series of manufacturer recalls. The work by XXXX XXXX of XXXX, XXXX was done repeatedly, by my records 14 times it was taken in. Each time more and more stuff was replaced on XXXX tab, being warranty related. The original symptoms of both the clicking noise in front suspension is clearly present. It is loud everytime you turn the wheel left or right, especially in a parking lot setting. I have videos of it with sound. XXXX out of XXXX people in a parking lot hear it and look. They can not figure it out, its been months. XXXX XXXX of XXXX did not originally log all the visit and preformed some work on days that arent showing in the vehicle record. that is my first concern. The second concern is after they put the rack and pinion steering on the vehicle there is a constant rubbing noise. It is clear there is resistance and friction, loss of power when driving the vehicle. This and the original clicking is still present. I moved to XXXX and tried a new dealership. They are able to hear the clicking noise clearly and advised they would fix it today. Today XXXX calls and reverts back to the previous excuse that they are unable to hear it. It seems like repeatedly XXXX is not adequately addressing my concerns and fixing the warrantied repairs that have already been done. I feel unsafe driving the car and want a master technician from XXXX to be setup to look at it. Please look into the case and send me a copy of all the case notes to my mailing address on file. XXXX cases were open for this issue with XXXX corporate. I and everyone on the road are at danger with me driving in the current condition. XXXX, please warranty and properly fix the damages on my car. I have a XX/XX/XXXX XXXX XXXX XXXX XXXX. The car is still under warranty, it needs a master tech to go on a road test, review the videos and fix. This personalized attention i begged for from the start and over 9 months later have not gotten the result, just excuses. Everyone is real real nice telling me why it cant be fixed though. XXXX is working on it now. Service adviser XXXX told me yesterday evening he could hear the noise but it would take time to fix. XXXX called me back, was very helpful and offered another road test. XXXX was off today. My concern is XXXX is giving up on me and the vehicle. The noise is very clear. Please setup a time to have another technician from XXXX to come test drive, diagnose and fix vehicle. Please escalate this accordingly. XXXX what options do you have? Please direct copies of all instructions in writing to my address on file and any records compiled. I would like all service records to date on this vehicle mailed to me. I would also like a technician from XXXX to be dispatched to try to fix. It 's been an unreasonable amount of time.
Consumer complaint received 2016-10-21
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: EZCORP, INC. (TX)

The debt, a payday loan, was discharged in XX/XX/XXXX in a chapter XXXX bankruptcy filing. The lady on the phone said that she was trying to head off the company filing a suit for collection in court. She called at XXXX on Friday, XX/XX/XXXX from XXXX and said she was with EZ Corp. This is approximately the 3rd collection call from since discharge in XX/XX/XXXX that I have answered the phone and the person said they were from EZ Corp. Each time this has happened they were reminded of the XX/XX/XXXX Bankruptcy filing, so they are not ignorant that they should not be contacting me about this ever. They are illegally operating outside of the bankruptcy law and bringing up debts that they can not legally collect on. They are stalking me, and collecting my personal information to harass me. I have changed my cell phone number since XX/XX/XXXX and although the number is registered on the Federal DO NOT CALL list, they apparently ignore those laws too and call. This makes me feel very unsafe and I feel like they would try to physically harm me by trying to continually locate me. Please STOP these people.
Consumer complaint received 2017-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (OH)

I am actually the co-signer for this loan and we are trying to pay it off. I sent American Education Services who services the loan an extra {$500.00} payment over two months ago. It NEVER got applied to the principal and they pretty much have no idea where the money went. All we are getting is a " runaround '' about it. I would love to just pay it off but am scared they will " take '' that money as well. I have looked online and have noticed NUMEROUS problems others have had with this loan servicing company. Someone really needs to " audit '' this company. Every time I turn around they keep charging us extra interest and we setup automatic payments yet most goes towards interest. We put a request in to increase the monthly payment way before the amount would have been taken out and they " purposely '' just skipped the next month 's payment just so more interest could be charged. They may not be doing anything illegal but I believe they are highly " unethical ''.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

XX/XX/XXXX- I disputed a XXXX account when I noticed it on my credit report. XX/XX/XXXX/ Early XX/XX/XXXX- I received a phone call from a debt collector stating that I owe {$1100.00} to XXXX. I told the debt collector that I 'm disputing this debt and submitted in writing for them send me information for this debt to which I never received. XX/XX/XXXX- I pulled my credit report and saw this debt was still being reported to both XXXX and Equifax . Again, I submitted a dispute to both credit bureaus requesting more information about this debt and I still have n't received. XX/XX/XXXX- I checked my credit report again and not only is this item still on the same two credit reports but XXXX re-aged this account to make it appear more recent. As a result, this account is showing on my credit report as 1 month past due, a charge off and my credit score dropped at total of XXXX points on XXXX and Equifax. I 'm not sure how this can be especially considering that this account has been in dispute since XX/XX/XXXX. Negative re-aging completely illegal and is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MA)

I believe my case falls under the predatory practices by Navient along with the XXXX XXXX of XXXX. The XXXX XXXX was sued but I have not recieved anything about my account from the school. I have so many issues with both companies and am at my wits end on both. I attended XXXX between XXXX and XXXX with which I had to struggle to finish as I had XXXX within 8 weeks-one being my grandmother on XXXX and another being one of my brothers from a tragic death and to put my oldest son into the hospital for trying to XXXX after his uncle died. It was a miracle that I pushed myself through my XXXX to finish. I do not believe I was fully counseled when I first applied to XXXX and do not feel like I got the help needed when I finished. I took their word on job placement, tuition, use of my degree, and applying for aid. I found out only about in-state and out of state tuition prices when my son started to apply for colleges in XXXX. I was not counseled on taking a degree part time would cost more than a full time degree in less time. I took their word on everything as they were the experts and they would n't steer a student in the wrong direction. Needless to say, I did receive an XXXX and can not get a job with it at all in the XXXX area. I was without a job-except for a short time that I offered myself as a XXXX. I was not paid-in hind site I was used again. I finally gave up and decided to go out on my own and try to make it work as my own business. During all of this time, Navient kept putting me into forbearance. I was never counseled on any other payment options until recently. So it has come to the point that my degree that should have been approximately only {$20000.00} total at the time for an XXXX tuition has now ballooned over {$85000.00}. When I downloaded the form that lists all of my loans and disbursement dates, I found something else that completely stands out as something is wrong -- -all loans are approx {$3000.00} but there are three that I was charge approx {$10000.00}. I do not know if this is a screw-up in accounting and the school just took it anyway? It just stood out like a soar thumb. I do not know how to go about finding what the amounts directly went to. Even though I do not have anybody as a co-signer, I had to put references and now my mother is constantly inundated with phone calls about my loans. She is elderly and has nothing to do with this. I tried to remortgage my house to roll the loans into that payment with the equity I have built up, but I can not remortgage due to my credit with the student loans. HELP PLEASE! I do not know where to begin.
Consumer complaint received 2016-05-01
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: Rapid Auto Loans LLC (FL)

GOOD AFTERNOON, I SEND YOU A WHOLE PACKAGE, AND ALSO ATTY. GENERAL XXXX REFER THE CASE TO YOU. PLEASE CALL ME AS SOON AS YOU RECEIVE MY PACKAGE. I TOOK A TITLE LOAN, OVERPAID AND PAID IT 6 MONTHS IN ADVANCE AND REPOSSESSED MY VECHICLE.THESE COMPANY HAS A LOT OF CRIMINAL CASES.  PLEASE CALL ME OR EMAIL ME ASAP. THANK YOU FOR YOUR ATTENTION.

RESPECFULLY YOURS,
XXXX
XXXX
Consumer complaint received 2017-08-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

I just graduated from XXXX XXXX. Navient, as I was told when I first had XXXX XXXX services, I had six months forbearance. I even had gotten an email stating that I was " In School '' then the next stage was " Grace '' which generally meant I had to start generating profit as a member of society and get ready to pay back my debt. I have not yet walked acrossed the stage and they have sent me dozens of emails, " ca n't make payment??? Forbearance!!! '' " Ca n't make a payment? Call us we can help!! '' What happen to my grace? I sent a screen shot of the email they had originally sent me XXXX of 2017, and they asked if I was having issues making a payment.. there is no way I can give a cent to something that makes literally no sense! Please help.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (MI)

I have had a Citibank Mastercard account since XX/XX/XXXX. My account has always been current - as a XXXX. My current balance is {$19000.00}. 

I was laid off from my job in XX/XX/XXXX. I contacted Citibank regarding my job status in XX/XX/XXXX and let you know that I would be living off my bi-monthly unemployment benefits for the unforeseeable future. In the meantime, I would continue my fervent job hunt. At that time, I set up a monthly payment plan of {$97.00} for three months in which no interest, late fees or over -the- credit- line fees would be applied. I also agreed to close my account for the time being. I asked what would happen after three months if I had not found a job yet and the representative assured me that we would continue the agreement- if need be. 

Three months later, after having made my monthly payments - I still had not found a job yet. So I indicated that I would like to continue with our new agreement. However, the representative informed me that I could no longer continue the $ XXXX monthly payments and I would need to pay at least {$190.00} a month going forward. 

I was unable to afford to pay {$190.00} at this time. In fact, given my living expenses - I would be unable to live if I paid more than {$97.00} a month. Citibank did not care about this. They were totally unwilling to continue my payment plan. They wanted what they wanted. Period. 

It is now XX/XX/XXXX. I am still unemployed and they served me court papers recently informing me that they are suing me for approx. {$23000.00}. I just mailed in my response to the court. Can the CFPB help me with this crucial matter?
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NM)

Upon being told by the VA that I was no longer able to pursue a career in Chiropractic I then took the steps to have my loans forgiven as I was in the process of becoming a 100 % XXXX XXXX XXXXXXXX Veteran. I had my physician at the VA fill out paperwork certifying that I was no longer able to pursue a career. My injuries sustained while in the service were the reason for me being approved by the VA for 100 % XXXX XXXX XXXX. 

I have submitted all the required forms to XXXX XXXX   including a letter signed by my physician at the VA acknowledging that I am 100 % XXXX XXXX XXXX veteran. Paperwork was submitted in XXXX 2010 return receipt signature required. 

Account # XXXX XXXX {$8500.00}, # XXXX {$20000.00}
Consumer complaint received 2017-03-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

Hi, I wrote a certified letter to Navient telling them to no longer contact me, or anyone else associated with my student loans, by phone and that they needed to send all information to me by mail. They did that for a while but I recently fell a little behind on my loans and they started up the calls again from a very unknown number. They also called my father, who is a co-signer on XXXX loan. They called an spoke with him and, of coure, were very rude on the phone. He is a retired veteran and does n't need that kind of XXXX. Not only did I send a certified letter but I have reminded them on multiple occasions that they are not allowed to call him or myself that they need to send everything in writing. They harass their borrowers and that is why I do not want to speak over the phone. I was told by a Navient representative that that does n't apply to them, that they are allowed to call me. Is this correct? How are they able to harass my father and I whenever they want?
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WI)

Once again I am requesting your help in dealing with Navient. My original complaint was made in XX/XX/XXXX. ( XXXX ) It was not resolved and I am hoping that my concerns were noted in the CFPB Navient complaint on XX/XX/XXXX. I have paid XXXX/Navient over {$95000.00} ( almost 3x loan amt. ) since XX/XX/XXXX. Since XX/XX/XXXX, I have paid {$30000.00} out of my Retirement account. Although I was told that would pay off my account Navient said that I still owe {$37.00}. When will this end? 

XXXX was unable to locate payment records prior to XX/XX/XXXX when I requested all my records before they merged with Navient. I was charged numerous late fees ( avg. $ 12- {$19.00} ) placed in forebearance when I attended school and laid off, denied XXXX Forgiveness although I XXXX for 11 1/2 years. I was a XXXX for over 14 years working for the XXXX. I could never figure out what they were allocating my payments to : late fees, interest, or principle. I never defaulted. No matter how much I paid, I could never get this eternal loan paid. I know I fell between the cracks, but now that I 'm XXXX years old, I hope you ( CFPB ) can help an old lady out by making things right. 
Respectfully,