davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I attended XXXX on two separate occassions. One location in XX/XX/XXXX and it was mysteriously shut down, re enrolled in the " new location '' in XX/XX/XXXX and school was also shut down. We were told the school was closed due to lying about credits being transferable in which I found out to be true from not being able to transfer my credits. For not being able to hold up on their end promising job placement which in my situation never happened. Now my student loans which were initially XXXX XXXX but are now with Navient are constantly adding up due to interest. They are negatively impacting my credit scores all due to them funding a non accredited school. I have since lost my merit with my employer due to a credit check and ca n't qualify to purchase a home because of the negative reporting from a few years ago. The balance is now under {$8000.00} but I am slowly repaying a debt that I should n't be responsible for since this school was clearly not accredited nor accepted by employers. I have spoken with Navient on several occasions but the most I 'm ever offered is deferment payment status. I was never told by Navient nor XXXX that most students that attended that school was having their student loans dismissed. No representatives ever shared with me that would have been an option for me. It is now XX/XX/XXXX and I have experienced this nightmare of student loans for almost 10 years. I am afraid when it is time for me to return to school this will prevent me from being able to qualify for a loan if needed and that if not removed or negative remarks removed from my credit report it will also prevent me from obtaining a much needed promotion.
Consumer complaint received 2020-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

XXXX or the FedLoan Consolidation Department, sent me a letter stating I must urgently change my loan provider ( during a national pandemic ). They used words like due to Covid the current administration might get rid of student loan programs You must enroll now to be forgiven under the department of Education. This is false because they are charging an {$800.00} fee to be paid in 3 payments in order to join their program plus a {$39.00} a month fee for 240 months. This is a scam and should not be placed or forced on civil servants. The guy XXXX XXXX also told me I can contact him directly and the number is no longer in service.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (OH)

I have had a credit card with Macy 's for years. Unfortunately, XX/XX/XXXX, I did n't receive my statement. I received a statement XX/XX/XXXX and I paid it immediately XX/XX/XXXX, but the following month Inoticed I had late payment on my credit report. I feel this late payment is unfair due to nonreceipt of statemen. I have had this account since XX/XX/XXXX and have no other late payments except for this one. I have been trying to get Macy 's Card Services to correct this predatory act for almost 2 years to no avail.
Consumer complaint received 2017-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

I monitor my credit. In XX/XX/XXXX, I received an alert that I missed a student loan payment. Upon review, the missed payment was for a FFEL consolidated student loan with an 8 % interest rate that originated with XXXX XXXX and was discharged under the Total and Permanent XXXX Discharge Program as of XX/XX/XXXX. I contacted XXXX XXXX, nka XXXX and received a letter dated XX/XX/XXXX verifying the loan was discharged on XX/XX/XXXX. The P & I owed was {$15000.00} and now, it is {$17000.00}. I have contacted Nelnet, with no luck, they forced me to agree to a forbearance for a debt I do n't own or they would continue to report to the credit agencies. The repayment date is this month, on XX/XX/XXXX, I received a letter that they tacked on over {$1800.00} in interest for the three months of forbearance, and they threatened to garnish my wages if I do n't pay them. I sent them a copy of the discharge letter and they wo n't accept it. I asked for a copy of my loan documents and have not received same. They also attempted to force me to send them a letter stating that I am not currently working and did not work the prior year, which I refused to do because I have worked. I received no notice of an alleged late payment, no phone calls, no emails. I have not received any contact from them since I sent my application for a XXXX discharge to them in the fall of XX/XX/XXXX. The only notice or contact I received from XXXX XXXX or Nelnet stating there was an issue with a discharge or money was owned is from the notice I received from the credit monitoring. Also, I had not moved since I submitted my application and XXXX, one of the supervisors at Nelnet stated they sent all notices to an address in XXXX Illinois. I have not lived in Illinois for 7 years and told her that was not the address on my application for XXXX discharge! Additionally, because I did n't receive any notices or communication before they reported me to the credit agencies, they agreed to removed the two instances they reported nonpayment on XX/XX/XXXX and XX/XX/XXXX to the credit agencies, yet they have not done so and my credit score significantly dropped. My credit score dropped again when they added the {$1800.00} in interest to my loan amount in XX/XX/XXXX. I contacted the Ombudsman department on XX/XX/XXXX and got no where  with them, all they did was quote from a script about XXXX discharges. Lastly, the amount they claimed is owed and the information on the US Department of Education does not reflect any payments made over the life of the loan.
Consumer complaint received 2017-05-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NE)

AMerican Education Services is s ervicing a loan that was sold to National Collegiate Trust but was manipulated before the sale.  AES has  blocked all avenues of communication. I can not call them for the status on the investigation. They have harassed me for 11 years and I call them for updates and they block my phone number. They are effecting my credit negatively daily and I now have no way to reach them. They are a scam operation with no concern about the fraud  XXXX  put on them. I have no t rust for AES and  they will never get a dime for a loan I never agreed to or signed for.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Social Finance, Inc. (IA)

I have been attempting to initiate a XXXX transfer from sofi XXXX XXXX XXXX XXXX to XXXX for near three weeks. Initially theyve rejected my transfer due to reason that dont fit SEC guidelines, nor were the excuses even applicable to my account or transfer. They have been misleading me and are now pretending that they have not received the information sent to them by XXXX. 
My primary concern is that despite having share lending off that they can not locate my shares to transfer and are misleading me.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MI)

I have been trying to lower my monthly payments for years and they kept giving me the runaround and nothing ever changed. I had to take off my automatic payments because my interest was so high. Ever since then they keep billing me every couple of weeks wanting me to pay again. I simply just wanted to pay my loans off at an affordable rate. I currently do n't make enough money to pay what they expect and yet my plan has remained the same. They say they are here to help but they are just sucking more money out of us and punishing us for getting a college degree.
Consumer complaint received 2020-04-19
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. (IL)

I have mailed letter to equifax 5 times over 2 to 3 months to show under section 611 the method of validation on XXXX XXXX XXXX acct ending in XXXX the acct show validated but this is not correct. They will not respond to section 611 for request for method of validation. and have not contacted me on all letters in over 90 days.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

I have been using Navient for my biggest student loan payment some they bought mine from XXXX, over the course of 2 and have years as, I have pleaded for a reduced payment to lighten the burden of my payments Navient on several occasions declined lowering my payments. And did. It offer income driven, and they encouraged a military forbearance due to my XXXX status. And due to financial strain with no other offers I was encouraged to use this option becaus. I thing else was offered and it was pay or forebareance.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I was told by a Naivent representative that the only way out of my student loan was to XXXX. The reason for my call was to renegotiate the terms of my 11.75 % interest rate on a student loan that has tripled in size due to interest.
Consumer complaint received 2020-04-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

On the XXXX of XXXX via Paypal I transferred money to my sister. I transferred twice since the first transaction was not recieved to her. The first time I transferred using her phone number the second time with email address. The second transaction with email went through fine was recieved to her. The first one using her phone number was not recieved on her Paypal. Though both transactions were taken out of my bank account. So I got charged both times. I don't know where the money using her phone number went if I was charged but doesn't appear on her PayPal. I had such a hard time transferring that I just opted to giving her cash. She was able to transfer me back the payment sent using her email. But not the one using her phone number. I am just so frustrated during this time with Covid 19. I can't afford to not knowing where the money that was taken out of my bank account is. If it's not in my sisters Paypal. I have never had a bad experience with Paypal til this. I want to be safe and open a complaint before it's to late since I have XXXX to be able to issue a cancelation or refund. I am working with my bank institution. But I was to get all the help I can to get my XXXX dollars that I don't know where they ended up.
Consumer complaint received 2016-12-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Media Collections, Inc (VA)

This is a debt due to a day care payment dispute. We had to withdraw our daughter from XXXX XXXX VA when the center was disqualified from the military/ XXXX child care subsidy program due to repeat violations. The center was mismanaged and we were never informed we had any kind of balance until I received a letter from XXXX 's corporate billing office. I immediately called to question the {$930.00} balance and was told I 'd have to speak to the director for the center- she was the only one who could adjust the billing. I immediately called and was told she was not available but the assistant director XXXX would look into my dispute and get back with me. I never heard back from her. The next correspondence I received was notification from a collection agency. I again called the center and was then informed the center director was on leave. I further disputed the balance, but the acting director has not been able to address my concerns- she advises she does n't have the knowledge or experience. She referred my ledger to another center 's director who removed XXXX charge but did not address or adjust anything else I disputed. No one seems to be able to own this or wants to assist me. I feel this is some sort of retaliation for having to withdraw our daughter from their center due to their disqualification from receiving the military subsidy. I 'm disputing the amount they say I owe, and would like a response to my questions about some missing subsidy payments from the XXXX Child care aware, as well as the vacation weeks we should only have needed to pay half tuition. Please help, I am anxious to have the collection account in my name closed and removed.
Consumer complaint received 2017-02-12
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

Navient has continuously given me the run around and suggested I continue forbearance, when I did apply for IBR they quoted the payment as XXXX but the Navient Payment reminder stated I owed XXXX? I am willing to pay my loans but can not give them my entire paycheck.
Consumer complaint received 2016-06-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

I acquired a student loan with AES ( American Education Services ) for my daughter in 2008. 
She attended XXXX XXXX XXXX University and graduated with a XXXX XXXX in XXXX XXXX. The original loan was in the amount of {$25000.00}, upon checking on the balance on this loan I still owe {$16000.00}, I have always made my payments on time, the statement shows that {$13000.00} has gone towards interest and only {$9000.00} towards the principal. I requested some leniency towards paying this loan in full as my husband is XXXX yrs old and still working to help make ends meet, I work as a XXXX and XXXX, our daughter works as a XXXX and has a son and is a single mom. AES denied my request for a payoff and informed me that the payoff is the {$16000.00} on the statement. All of our banking accounts are with XXXX XXXX ( checking acct., credit cards, XXXX savings accts for grand-children ) and I see that the owner/guarantor on the student loan is XXXX. When I emailed XXXX about a personal loan to with the possibility of refinancing the student loan I was informed that my request ( again ) could not be fulfilled as XXXX XXXX does not do personal loans. I feel like I am not getting anywhere with this issue and thought that AES would give some leniency due to the fact that I have always paid on time and because of our ages. I am very disappointed with AES and XXXX XXXX.
Consumer complaint received 2016-10-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I currently am enrolled in a Rate Reduction Plan for my private student loans at Navient. My student loans are making my living situation very difficult and I deseparetly need in stay in the Reduction Program to be able to keep compliant and make payments. They are denying my Program starting next month. I have tried emailing and calling for 4 days straight on and at some point all the time I get the run-around or hung up on. I need help or I will become bankrupt and still will have these loans on my record and make life for me difficult for decades. My loans have almost doubled in size because of the interest rates and deferment in school. I was not made fully aware of this program when I first signed up and feel like Navient obviously is not helping me in this matter. I am responsible, have a full-time job and work hard to keep paying all of my bills on time. But because of these student loans, my debt-income ratio is insane and I 've had to rack up credit cards to keep up with payments. I need help or I 'm going to lose everything.
Consumer complaint received 2017-05-20
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)

XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX is a collector for XXXX, a hospital the XXXX.I am a XXXX XXXX XXXX VETERAN with full medical benefits.While we are supposed to normally receive medical treatment at a VA facility, in the event of a medical emergency we can go anywhere and our treatment is covered.I was having the feelings and XXXX XXXX of a XXXX XXXX.I was on the phone with the VA..who told me to call 911.I arrived by ambulance to XXXX was treated in emergency care.I told the hospital that I had VA benefits at the time of service. YOU MUST DELETE THIS ACCOUNT..YOU are under CFPB CONSENT ORDER scrutiny for exactly this type of wrongful billing without debt validation. 2.XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX. Some time ago I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was defrauded by two salespeople double-teaming me.They sold me a plan of unlimited usage that I was happy with.When I received the 1st bill there was a multitude of many undisclosed charges and fees.I was angry at the obvious commission based fraud that I decided not to pay.Whatever I signed was explained as XXXX dollars per month unlimited service.What I received was nothing like what I ordered.If anything was changed it was changed after my signature by the salespeople.YOU MUST DELETE THIS ITEM AS YOU PARTICIPATE IN FRAUD and damage my credit as well. 3. XXXX XXXX XXXX XXXX XXXX ... .While the Dept. employees may be literate they have a mathematical error prone thinking.My report is inaccurate.NOT ONLY have they been paid in full, they have been overpaid.They have received two TRO 'S totalling XXXX dollars.XXXX report is attached for evidence even though it 's wrong too! The Dept. was paid this money in XX/XX/XXXX! You must delete according to FCRA.President Trump will receive copies of whatever you do which will support his plan to abolish the XXXX XXXX XXXX where dates, times, and amounts never match the facts. THE XXXX ACCOUNT has recently '' verified '' and I expect the other incompetents to do so as well with the current Equifax disputes. However ... where fraud occurs as in XXXX XXXX AND XXXX XXXX XXXX, the proper action, according to FCRA, is to " block '' the item from the report until the facts are sorted out.
Consumer complaint received 2016-09-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (KY)

I was scammed by XXXX out of more than {$7000.00} dollars just for one semester. It did not improve my way of life or help with anything but increase my debt. I can not pay this back as I have no means too
Consumer complaint received 2017-10-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (IL)

On XXXX XXXX I have contacted discover credit services and ask them when my next payment was due they informed me my payment was not due Until XXXX XXXX. On XXXX XXXX discover credit services Over drafted my account {$28.00} On XXXX XXXX I called and spoke with XXXX She had agreed to waive one in NSF charge from my bank account I had requested to Have my payment in XXXX waived for the inconvenience of them providing me False information. On XXXX XXXX I called XXXX again she agrred they will pay one nsf fee to my bank, but will not be able to wave a payment for the inconvenience I had informed her they are in violation of Udapp. XXXX had informed me there was nothing they could do. XXXX contacted my bank agree To pay one {$35.00} fee to my account And requested my bank forgives the other {$35.00} insufficient funds fee. XXXX had advised me that I still need to pay the {$28.00} they had misinformed me on discover has failed to accommodate me for their violation.
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. (FL)

I have just finished my XXXX degree and according to the US Department of Educafip. Exit loan interview, a six month deferment should be granted. NAVIENT is not following the guidsXXXX establish by the USDOE and had my first payments due XX/XX/XXXX. They sent me no documentation and I found out about having to pay when they called me stating I was past due. I have attached a screen shot showing my next payment due is XX/XX/2017.
Consumer complaint received 2017-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (CA)

I noticed my credit report had an open account for the amout of  XXXX , opened back in  XXXX , of  XXXX  i never open tye above account, also i disputed it with all  XXXX  credit reporting agencies. This account was open without my authorization. This account does n't belong to me. On  XXXX ,  XXXX   XXXX  after my dispute it was removed from all  XXXX  credit reports, and on  XXXX   XXXX ,  XXXX  the company reinserted the same account, and by law an once and item is removed from credit reports it can not be reinserted after 7 days
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

My student loan is with Navient. They have, over the course of several months, applied all of the money I have sent them to interest only. The principle balance never goes down. When I contacted them about this, they informed me I was on a graduated repayment plan which would send all of my payments to interest only. I never requested this from them! They are parasites, leeching off of consumers. I requested that my payment plan be changed back. They have done so, and I will monitor it very closely from here on out.. This loan is for my attendance at XXXX XXXX XXXX XXXX XXXX ( a for profit school which also took advantage of me )
Consumer complaint received 2018-05-30
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 (IL)

My life has been turned upside down. 
Last year on XX/XX/2017, I notified XXXX XXXX of the theft of my identity. 
I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. 
I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.