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 — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

Firstly, my credit score just recently dropped due to the accruing interest/balance on the loan with Dept Of Ed/Navient while I was an active student.. I received a notification from XXXX XXXX that my credit score decreased due to loan amount increase of my student loan debt. Second, the school that I attended XXXX in XXXX, FL is now closed. The credits from this school were non-transferable, I did not receive job placement as promised by the admissions advisor upon graduating, the school is listed as a 'for profit ' school with high tuition/predatory practices. My transcript for the school ( XXXX ) that closed is now reflecting that I graduated from another 'for profit ' school ( XXXX XXXX XXXX ), and my transcript is being stored at XXXX in XXXX , CA which is XXXX. I should not be liable for this student loan with high accruing interest rates and high monthly payments that I have made in the past and could n't afford towards an education that I will never be able to use towards anything. I had to take all of the classes over once I got to an accredited university. Which set my classification back by almost two years. I am a XXXX when I could have been graduating next year if my credits were transferable.
Consumer complaint received 2015-06-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

On XXXX XXXX, 2015, an attempt was made over the phone to enter into a 15 month interest rate reduction for XXXX private student loans provided by Navient. The lender agreed to process the application for the reduction with the condition that a payment be made in the immediate to bring the account current. The borrower ( currently in financial hardship ) advised that a payment would /could be me made upon acceptance into the program, due to limited fund availability. The lender refused to process the application for the program until a payment was made. Borrower is left without any alternatives and lender is unwilling to provide assistance.
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. (ID)

Navient has only ever given me one option of forbearance for my student loan. Since they have had the loan for almost 2 years my balance has skyrocketed. I recently contacted them again & was once again told that forbearance was the only option. I do n't make enough to pay the monthly payment which went from {$10.00} per month to over {$100.00} per month, when Navient took over the loan. I need other options which are not being offered to me. 
XXXX XXXX College which has been out of business since XX/XX/XXXX.
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

I signed for a student loan, for my son, through Navient and the terms were deceptive. I was led to believe that the loan was a simple 3.75 % interest and Navient is claimiming that it 's a variable interest loan compounded daily. 
On an {$1800.00}. Loan i will be paying XXXX. + dollars. This to me is a predatory interest rate! 
No wonder our children need our help & feel so cynical about their futures.
Consumer complaint received 2020-04-18
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: EQUIFAX, INC. (CA)

On XX/XX/2020 I applied for the COVID-19 SBA relief funds and was denied because of my credit score being under 640. After calling XXXX XXXX they explained to me there was an auto loan account that is behind as well as some collection accounts. These accounts do not belong to me and I have never lived at the address these accounts are associated with. I have called the companies to report the issue and I have also filed a report with XXXX XXXX Police Department. Please remove these accounts from my credit report quickly so I can apply for the disaster loan.
Consumer complaint received 2016-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I recently paid off my loan to Navient, and 2-days after the fact, noticed that I overpaid by {$.00}. I spoke w/ their customer service representative, who informed me that overpayments that amount to less than {$1.00} are generally written off. When asked to clarify, the representative, " XXXX, '' stated that essentially, Navient will keep that amount and will only refund if it 's {$1.00} or more. She asked if I wanted a refund of {$.00}, and I said, " Yes. '' XXXX had to check with her supervisor to approve the refund, but then told me to call back on XXXX XXXX, 2016 to escalate the issue to have a supervisor then refund me the {$.00}. When asked if I will get the interest on the {$.00}, they said, " No. '' I know that Sallie Mae/Navient would continue to add interest if I were {$.00} short, and if it took me more than 10-days to pay it, then I 'd certainly have to pay a larger amount. If they kept {$.00} of every over payment made to Navient, they stand to gain XXXX in a windfall. 

Needless to say, when I asked her why her supervisor could n't just process the refund now, she stated that it 's policy to wait until AFTER the billing cycle has passed. This all seems unfair and contradictory to the law and policy.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I owed a student loan in the amount of about {$6000.00}, I received a letter from Sallie Mae, stating my loans were paid in full, then I find out they are in the hands of XXXX and now my loans are triple what I owed in the beginning. Now I am on a deferment until XXXX with more penalty and interest added. I ca n't afford to pay all this back for 17 years.
Consumer complaint received 2016-03-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I attended the XXXX XXXX XXXX XXXX in XXXX, California. The school itself, I am looking into suing, because they, like Sallie Mae, pushed for me to take out a very large private loan for over {$40000.00} and a smaller federal loan ( for living expenses, etc ) for around {$15000.00}. Needless to say, no amount of money I would 've made leaving with an associate of arts degree could 've paid off those loans. I was told it would be no problem once I graduated, and since I come from a lower middle class family, furthering my education was a priority for a better life. Instead, 10 years later, my loan is in default, they seize my tax returns and I have XXXX children ages XXXX and XXXX who ask why we cant get a house or fix our car when it breaks. I actually had XXXX of their debt collectors say to me, " you shouldve thought of that before you had children. '' They called my home and family relentlessly for years! I had a job from XX/XX/XXXX-XX/XX/XXXX where my boss had to have several " talks '' with me becuase she asked them to stop calling my place of employment and they wouldnt. I believe she was looking into contacting the XXXX or something of that nature, but she never followed through. I would like to note that I am an excellent XXXX. Any boss or co-worker I have ever had would back that up, so the problem leaving was not my skill, but rather the impossibility of repaying a loan of that amount. Its insane when I think back on it. I wish I could go back in time and stop myself from signing, and allowing my mother to co-sign, I would tell myself, " this is going to ruin your life! You will never be able to buy a home or new car. You will always be in debt, forever and ever. The XXXX will cause you XXXX and XXXX. You will never get out! '' I have felt hopeless because of this, but coming onto this website I am feeling a little better right now. I am feeling like theres a chance to get my life back, I feel like maybe there is strength in numbers and I am both glad and extremely sad to see that so many others are in my boat. So let 's plug it up before it sinks! I am hoping you can help. Thanks.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I took out XXXX student loans from ( then ) XXXX XXXX, later turning into Navient. The XXXX loans totaled XXXX dollars for a computer school that did not provide the education that was advertised. I was unable to pay loan payments and was put into a forebearence program and my loan is now over XXXX dollars. I have recently gotten into a payment program but this program only lasts a few more months. Almost double the amount I owe seems outrageous.
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CO)

XXXX Navient failed to help me prevent my charges from increasing and they failed to inform me of changes that occurred on my account even though I am on the IBR plan. Those changes on my account caused the monthly payment to increase to more than {$1600.00} month. They then took that amount and somehow compounded interest on it for two months. They said they had to do that supposedly because the income had to be verified again. So they took that and said it was going to be about {$7800.00} charge that would be added to my total amount of student loans. They have done this type of thing to me for years. They constantly fail to provide any help. They have structured their entire system to confuse, distort and take advantage of people. Navient employees harm innocent people 's credit. They permanently cause stress and suffering for people who are just trying to survive, including veterans. They charge those who have student loans extreme high costs and manipulate people so they can charge more and constant increase loan balances to benefit only Navient. Navient should have to pay back all of the money they have taken from student loan holders, including compensating the victims for the pain, suffering, duress, stress and other negative impacts they have needlessly caused against innocent people.
Consumer complaint received 2015-08-01
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CASHCALL, INC. (MN)

I had a loan with XXXX XXXX / Cashcall.com / XXXX XXXX XXXX. These companies are currently under investigation by the CFPB as well as being sued by the Attorney General of my state ( MN ) as illegal loans. 

The original principal was repaid several times over, yet this company continues to sent me collection notices. 

I have stopped paying and blocked this company from being able to make automatic withdraws from my bank account. They have reported a delinquent status to XXXX credit reporting agency. 

I request to have documentation that states these loans are illegal, that I have paid the principal on the loan, and that XXXX should immediately delete this record or show paid in full. 

CFPB assistance greatly appreciated.
Consumer complaint received 2016-11-14
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Choice Recovery, Inc. (AL)

On XX/XX/2016 I started the process to get a debt from Choice Recovery validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XX/XX/2016 to the address listed on my credit report ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Ohio XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 ( 15 USC 1962e ), which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XX/XX/2016. No response, no validation, and they did n't mark my credit report DISPUTED, which violates the FCRA, Section 623 ( a ) ( 3 ). Already with no proof of my signature validating the debt and their lack of response, they have already broken federal law. I sent a follow up letter dated XX/XX/2016, received and signed for on XX/XX/2016, stating to them that by not providing me with validation of the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XX/XX/2016, and there has been ZERO response from this agency. All letters have been ignored. I have all documentation of my attempts of correspondence with Choice Recovery and can provide them if need be.
Consumer complaint received 2016-10-22
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (FL)

I have received numerous calls from this company and have submitted XXXX separate complaints prior to this XXXX. On XXXX XXXX, 2016 they called my brother, sister, wife, sister in law and nephew. They keep leaving recorded messages for me on my nephews voice mail. In the call to my sister on XXXX XXXX, 2016 they said they were calling from www.investigation and said that I listed her as a contact person and that she does n't know but it may be a timing issue and that she needs her to verify some information and told my sister my address. My sister asked her to email her a copy where I put her down as a contact person. The woman said she 'll just put down that I falsified information. 

Firstly, I have never given this company or this person prior express consent. 

Second, they threatened legal action in an attempt to intimidate in a call to the cell phone of my mother in law. 

Thirdly, they disclosed the last XXXX digits of my social security # in a voice mail in a call placed to my mother in law. 

Fourthly, they placed a call using automated telephone equipment or an artificial or prerecorded voice to my cell phone as well as the cell phones of my mother in law, sister in law, brother, sister, nephew and wife. 

Fifthly, they disclosed my address to my sister. 

This company is menacing, threatening, stalking and harassing me and my family.
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (NC)

Unfortunately, I had to get a student loan through Sallie Mae to help with the XXXX of school. I graduated in XXXX 2016 and have yet to get employment even though I am actively looking daily. My 6 month deferment was up in XXXX, but did not receive billing until XXXX ; thus putting the account already a month behind. Payment was made in XXXX and a payment was made prior this month. The last 3 days, they have called multiple times a day to me and my mom who cosigned leaving messages. It is near to impossible to get them on the phone. Last month I spoke to them and explained I do not have a job yet and I do not have the money to make the payments right now and asked for a deferment or forbearance. I was told the only thing they could offer was a 16 day deferment. I knew this was incorrect, but did not go against them at that time and a payment was made. Well even though a payment was made last week, they are calling my mom and me multiple times a day even though I have explained the situation. They have offered no assistance even though they state if you have difficulties making payments they will be glad to help you. This organization is the worst and causing me even more XXXX on top of not having a job already. They do not care!
Consumer complaint received 2020-04-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

I wanted to take advantage of the XXXX  bonus to open up a new checking account with Chase bank. 

I rushed to my local Chase and promptly opened up my account. I asked the Chase employee if i was eligilble for the {XXXX  She responded with a firm " No '', with not checking terms. 
I was already prepared to switch over from another bank so i ended up opening an account anyways. 

I had had chase over 5 years ago, so the employee told me i was not eligible. 

After reading the fine print today, i WAS and AM in fact eligible for this promotion. 

I have the employees name and branch if needed. 

I would to be included in this promotion, be it that i already set up direct deposit. 

Thanks
Consumer complaint received 2017-02-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (IN)

I 'm a XXXX, XX/XX/2016.. Since XXXX I have had to move back to my home town and dealt with being jobless for several months only to get my first payment set up to be over {$1200.00}. Being jobless, and my cosigner passing due to a hit and run, I was forced to go into deferment. I was not offered any income based solutions and with working XXXX part time minimum wage jobs I still ca n't afford it. Deferment is now up and upon trying to pay and getting another Deferment I 'm met with only computer operated messages and no help. Im going to delinquency now and hopefully can defer when theit office is open on Monday. Largest privatized loan agency for students and closed on the weekends. Great plan.
Consumer complaint received 2015-06-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (NJ)

The Sallie Mae rep lied to me. I called to tell them I was recasting my mortage and needed to defer my payments for up to 3 months untill the mortage process was complete. The rep instructed me to send in {$50.00}. to start the 3 month payment deferment. I did that and was called a month later saying I was late and I now needed to send in XXXX payments or it would go against my credit report. I told them aboth the deferment and the money I sent and they said that was not the process, I told them it was the process they told me and I did my part. they just kept calling me XXXX to XXXX times a day to tell me my credit would be effected if I did not give them a payment over the phone before friday XXXX/XXXX/15. I mailed the payment in full on XXXX/XXXX/15 and they show recieving it on XXXX/XXXX/15. Each time I called them I was given a different explanation for what they did, but the bottom line is I did what I said I would and they lied to me each time we talked and tried to intimadate me into giving them my banking info so they could take a payment out. Each call with them says it is being recorded so there should be proof as to what im saying. 

XXXX XXXX
Consumer complaint received 2017-05-01
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. (NE)

ON  XXXX   XXXX   XXXX   XXXX  DID A HARD INQUIRY ON MY CREDIT REPORT WHICH WAS UNAUTHORISED ... .IN TALKING TO THE AGENT I ASHED HIM IF HE WAS GOING TO DO A HARD INQUIRY AND HE ASSURED ME HE WOULD NOT.I HAVE BEEN WORKING ON THIS SINCE I FOUND OUT THIS HARD INQUIRY ON MY REPORT ... .I HAVE RECEIVED  XXXX  LETTERS FROM  XXXX  ASSURING  ME  THAT THEY WILL BE REMOVING THIS FROM MY  XXXX   XXXX  DATED  XXXX   XXXX   XXXX  AND  XXXX   XXXX  ... .I .ALSO HAVE HARD INQUIRY FROM   XXXX   XXXX   ... I NEVER DID TALK TO ANYONE IN THAT COMANY AUTHORIIZING A HARD INQUIRY ... ... PLEASE HELP
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (NC)

Struggling to pay loans due to current income when I got behind I received numerous letters from Sallie Mae stating to call to find out repayment options. Well, when I called I got very rude answers and was told there were no options for me besides to pay my loan. When I mentioned, I was told there were other options they refused. Consignor even called and was given same cold shoulder.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Negative account information that is over 7 years old was removed by the creditor which MUST reflect positively on my credit rating. Equifax continues to ARBITRARILY lower my credit score AFTER MULTIPLE POSITIVE actions on my part. CFPB MUST DO SOMETHING about credit reporting agencies that harm Americans ' ability to protect their credit!!! THIS IS BEYOND RIDICULOUS!!!!! Equifax VIOLATES the Fair Credit Reporting Act EVERY XXXX DAY!!!!! DO SOMETHING!!!!!!!!!!!
Consumer complaint received 2015-12-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TN)

I attended XXXX University XXXX for profit school XXXX from XXXX - XXXX. I was pressured into finalizing my enrollment quickly and made promises that were not kept. The only option available was Sallie Mae XXXX XXXX Loans, I was given no other options. I now have over XXXX in private loans on my credit and my XXXX year-old mother co-signed the loans, so she is liable, as well. We have been harassed for years by agressive collectors who call our houses and our cell phones, and have received collection letters demanding payment in full. I am praying that someone can help me with a solution because these colleges have been preying on innocent people for too long. I am now working in a position that only pays $ XXXX per year because I ca n't find a good job without an education and I have been unsuccessful in my attempts to qualify for further financial assistance to complete my studies. Please help me if at all possible. 

Thank you.
Consumer complaint received 2017-02-28
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)

My loan is with XXXX. I heard about the lawsuit and I was attending XXXX in XXXX in XXXX XXXX at the time. I wanted to know if I could help you with this. I also would like to place a complaint against XXXX I was promised job placement, I was rushed through the student loan process with very little understanding. Just told to sign here. I had to sign up online. It was all very confusing. They provided very little and now I 'm left with a outstanding debt no job to pay it back. I was wondering if I could be of any assistance toward the lawsuit against XXXX I was rushed into signing documents one after another with little understanding. Sign here, here, and here kinda thing. I feel cheated by XXXX and now they 're gone. Made millions off of people like me. I 've got a useless degree and a outstanding debt. They were the predator and I was the prey.