davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (NM)

Dear Whom May Concern, My name is XXXX XXXX XXXX I had a XXXX account when I turned XXXX years old back in XX/XX/XXXX I open the account in XXXX. My phone broke XXXX XXXX refused to fix it or help me so I decided to break the contract and pay the early termination fees in XX/XX/XXXX. The guy in the XXXX XXXX XXXX store said I was good to go. This was not the case because I received my first collection notice from XXXX XX/XX/XXXX and I been disputing the collections activity from XXXX for years and I 'm tired of them hurting my credit for they claim I still have a {$980.00} balance which I feel is wrong. 

The reason why I 'm disputing this debt because XXXX XXXX sold the account to Jefferson Capital Systems back in XX/XX/XXXX I never received anything from this " debt buyer ''. I also contacted an attorney to see about statue of limitations of debt and she shared with me the California law says, '' California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. " This account is more than 4 years past due and also XXXX XXXX reports on the credit report that is a new account which is not they have lied to the credit reports including XXXX, XXXX and XXXX.
Consumer complaint received 2016-08-24
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: M&T BANK CORPORATION (NY)

I applied for a loan on a rental property with M & T Mortgage. My intentions were to rent out both units and I made that very clear in the beginning of the process. The loan officer recommended a XXXX loan for the reason of the lowest interest rate as this was my first property purchase. At no point did he verbally inform myself I had to live in XXXX of the units. The process was drawn out for over 6 months due to multiple parties on the M & T side leaving and filling in with a new representative. After providing multiple documents we got to the closing week and was informed only a few days before that we could not move forward due to both units being occupied by tenants. The loan office was very unprofessional throughout the entire process ; lacking response for weeks at a time, rude on the phone and most importantly misguiding. It was frustrating not receiving answers and when I did, it was always adding another step my lawyer or myself had to take leading to the 6 month process which ended in backing out of the deal all together.
Consumer complaint received 2016-04-12
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Machol & Johannes, LLC (WA)

In XXXX XXXX I signed a payment agreement on an agreed judgment which included service fees, filing fees, and listed an interest rate of 12 % per year. As agreed, I began making monthly payments beginning XXXX XXXX, with the most recent payment being made in XXXX. On XXXX XXXX XXXX the company representative told me my balance was {$3500.00} more than what the initial balance was on the agreed judgment. I disputed this and she stated she would work with the legal team to get this resolved. I called the company to follow up on this on XXXX XXXX XXXX and the issue still was not corrected. At this time it was explained to me, the additional amount was attorney fees and other fees they forgot to put in the original signed agreement, and that she was n't sure when this would be corrected.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

I have been enrolled in " income-based repayment '' since graduating from school and beginning repayment. When possible, I pay extra money after I submit my required monthly payment. I have spoken to people at Navient multiple times ( by calling their customer service department ) and was told different things by different people. In my opinion, I would have thought the EXTRA money should have been applied to the principal of my loan -- - however, I believe it never is. I make my payments online because the phone system is too cumbersome and time consuming to use on a monthly basis. 

My school is not listed below -- it is the XXXX at XXXX ( in XXXX, MA )
Consumer complaint received 2017-03-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I first called before my loans were due to be paid. I was seeking information about my repayment options knowing that my payment would likely be more than I could afford. I was told the only way to discuss repayment options is to let my loans be late on the first payment. I verified verbally what the representative was saying to ensure I was not misunderstanding. I then called back after my payment was late and was told that the only option I would have is forbearance. When I asked how that worked I was told I would pay {$150.00} and then I would be in forbearance for 12 months which would allow me time to save for my payments once they started again. I called back to make the {$150.00} payment in XXXX and was told I needed to not pay the loan that my co-signer is on with me so that it could be included in the forbearance. I asked if I did n't pay the loan with my co-signer on it if they would then be contacting him. They advised they would not. Th4ey contacted him anyways. I then called today to do forbearance and was told that it will only bring my account currant and that I am expected to make my full payment amount in XXXX. The only other option I was provided was that I could extend my loan from 15 to 30 years and pay {$200.00} less a month. My current payment amount for my private loans is over {$1300.00} a month so {$200.00} less was n't going to help much and it would extend my loan to two times as long and they would get two times the interest. Every time I call I get a different answer and no one can explain why.
Consumer complaint received 2021-10-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (MD)

I have an FHA mortgage loan and had my forbearance with Mr. Cooper ( Nationstar Mortgage LLC ) starting in XXXX, XXXX when the COVID-19 pandemic began until the forbearance ended on XX/XX/XXXX. Before my forbearance ended, I had applied for a loan modification on XX/XX/XXXX. My partner and I have submitted every document that Mr. Cooper had requested, such as our 5-Page Hardship Affidavit for FHA Loans , Proof of occupancy/Luxury Bill, Current unemployment award letter for unemployment income that shows the amount, start date, frequency, and duration of the benefit income, 30 Days consecutive paystubs with employer name including year to date deductions and earnings, RMA ( Request for Modification and Affidavit Form ) Or UBAF ( Uniform Borrower Assistance Form ), Most recent SIGNED copy of tax return 1040s including all schedules, and 4506-C Request for Transcript of Tax Return. Mr. Coopers underwriting had received and accepted all of these submitted documents. However, underwriting would continuously accept then reject, and request for the same documents time after time, such as our most recent signed copy of tax return 1040s, including all schedules even after we had already submitted our 4506-C forms for them to request our tax return transcripts directly from the IRS. It is now XX/XX/XXXX and instead of underwriting using the 4506-C forms that they requested for our tax return transcripts, they are still insisting on us submitting the same most recent signed copy of tax return 1040s including all schedules, even though those documents had already been submitted and accepted numerous times. I truly believe that Mr. Cooper is engaging in " dual tracking '' whereby they request documents amid processing a submission for a loan modification while at the same time attempting to push my partner and I through the foreclosure process. Before the COVID-19 pandemic and forbearance, I had always paid my mortgage loan on time and had never defaulted. Your assistance would be greatly appreciated. Thank you.
Consumer complaint received 2016-07-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

I have contacted all XXXX credit bureaus to remove incorrect credit reporting data from my file. The account in question has an approx balance of XXXX. I have, with success been able to get the incorrectly reported information removed from my XXXX file. The item is no longer listed due to my not being liable for the loan. The loan is a joint loan that liability should be listed as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I do, however have XXXX Consolidation Federal Student loans ( Exhibit A ) that are currently in a hardship deferment. I have contacted Navient to have the inaccurate listing as it is affecting my " creditworthiness '' and I would like the inaccurate data removed. There is negative payment information that has correctly been reported to my parents XXXX XXXX and XXXX XXXX. 

Enclosed is the student loan detail from Navient website confirming the following : 1. Shows my father " XXXX XXXX '' as the borrower 2. Shows the school attended as XXXX XXXX University XXXX. Shows " XXXX XXXX XXXX XXXX '' as the student associated/attending the learning institution " XXXX XXXX University ''. 

XXXX credit file showing the item has been removed.
Consumer complaint received 2017-03-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

In XX/XX/XXXX, I spoke with a representative at Navient and explained to them that I needed to put my payments on hold because my husband had been XXXX and therefore my income was the only meand of finances we had for a family of XXXX. I was told by Navient that my payments would be deferred for 1 year. However, in XX/XX/XXXX, I received an email stating my payment was due on XX/XX/XXXX. I called and spoke with another rep to find out why because I was previously told that I did n't have to make a payment for 12 months. I was then told that I was only given a 3 month forebarence and I could apply for repayment options to lower my payments based on my income. This made no sense being that my payments were already based on my income. I needed to defer making payments because I am now down to one household income with my husband not being able to return to work and I am now the only means of income for my family. I tried applying for another forbarence online, but Navient denied me because I work full time. Before I can be approved for deferment, I have to submit my XX/XX/XXXX taxes, check stub, and a letter from my employer. I am highly upset at the misinformation I received and the lack of assistance from Navient.
Consumer complaint received 2016-06-21
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A. (MI)

After Citi refused to honor my divorce decree and a quit claim deed by ( resetting ) my loan for the remaining years .Citi instructed me to refinance the loan While they figure out what 's going on. Citi went as far as to falsely put on my credit report that I was delinquent five months which prevented other lenders, from refinancing my home. The document that the court provided does not state that I followed the instructions of the lender and submitted the document for refinancing within the time line, several time I called the underwriter and finally he stated that my paperwork was in his drawer for 60 days and he was not doing anything with it he said it should have be foreclosed on a long time ago. Keep in mind that the 7 years that I had the balloon payment, I was never late and I continued to make payments a year after the note should have been reset. I saw in there consolidation report the question was asked ( has the contested title been resolved ) Why is it contested I am the first and only title owner. Is this the reason they want me to do a modification instead of the ( reset ) when I sign the note .Does this allow them to break the law. See XXXX and supporting documentation that the courts would not allow because of the summary judgment. What are my rights as a consumer, I followed all the instructions of Citi representative who instructed me on what to do.
Consumer complaint received 2022-08-04
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. (NJ)

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX, XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (IL)

Filed a chargeback dispute as a result of receiving defective merchandise from XXXX. I provided Citi with all information requested in a very timely fashion. Citi then adversely closed my dispute stating that I had not provided requested information in a timely fashion. I provided all requested information to them. At no time did they ever communicate with me that they needed additional information.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

I received a letter via mail postal service from Citi Bank. The letter stated " Please be advised that your card was closed on XXXX/XXXX/XXXX as your account may have failed reissue due to late payments, going over accounts which are not in compliance with terms of the Citibank Card Agreement ''. I called customer service XXXX on XXXX/XXXX/XXXX. I spoke with a representative as to why my card was closed and why they are not reissuing a new card. Only thing that they could tell me is because of my activity and that 's it. That 's not a legal reason to close my account. This is unfair and is an act of bullying.
Consumer complaint received 2016-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

My loan is now serviced by Navient. We have been overpaying unknowingly since they changed terms on our loan for quite some time now. I believe they have been taking this money and applying it to future interest, which is essentially stealing, since future interest does n't exist and if I pay my loan early, never see that money again. I am aware they settled a lawsuit for exactly this practice earlier this year, but seem to still be doing it. I want that money either applied to principle, or I want it back. My second complaint is that they took XXXX of our loans and changed the terms, adding 10 years without our consent. There is no phone number to contact them, and an email on the matter went unanswered so there is essentially nothing I can do. Again, I equate this with stealing, as they will be making considerable more interest since extending my loan and it seems I have no power to fix this except hire a lawyer which I think would work, but would be very expensive, and I 'd rather use the money to pay off the loan and get out of business with these crooks as fast as possible.
Consumer complaint received 2015-06-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

I went to XXXX College in XXXX XXXX XXXX XXXX I attended for 2 and 1/2 year and graduated with a XXXX Degree in XXXX XXXX. Upon graduation I struggled with finding a job in the field with the economy in the state it was in ( XXXX ) and the lack of education I received from the college. I learned in the XXXX world that the education I obtained was sub-par at best and in most cases did n't meet XXXX standards for an XXXX position. The lack of education was due to the college " cycling out '' the program I was enrolled in so they pushed for all of us to graduate earlier than predicted upon enrollment. Furthermore, they used teacher who were not certified/qualified/educated enough to teach these core classes at a college level. I decided to pursuit a XXXX Degree at XXXX in XXXX and was advised that XXXX college was not regionally, nor nationally accredited. Therefore, my credits earned and paid for were irrelevant and, I would have to start from scratch. In the meantime I had to start paying back my XXXX XXXX loans which where quite hefty in cost. After breaking down the math I was paying a little less than the interest charged each month, therefore I could never move forward in paying off the loan. Due to the economic hardships I was forced to place my loans in deferment and/or forbearance in order to afford the other bills and living costs I had. In it 's current state I still pay more per month for my loans than I do my home loan, and the amount of interest compounded each month, will make it nearly impossible to pay off this debt. I have been paying off this loan since late XXXX and I currently owe over {$12000.00} more than my initial balance due to these circumstances.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IN)

I had to use forbearance. I was n't told about lower payments. My payments went from around {$80.00} a month to over {$300.00} a month. With the interest like it is, I do n't feel like I will ever get it paid off. Plus I ca n't really get any answers. I realized I 'd be paying back more than I borrowed but not over three times the amount. A student loan should n't be how many times higher than a home or vehicle loan.
Consumer complaint received 2016-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

Navient employee told me on the phone I could do the XXXX and the XXXX XXXX XXXX XXXX ( XXXX ) at the same time without issue. I asked TWICE if there was anything that was going to make me not eligible. The employee said everything looked great and I was on track. Once Navient transferred my loan to XXXX XXXX to complete the XXXX just after XXXX was approved. XXXX XXXX said that I had to start over on the XXXX because I had already been awarded the XXXX. I am only XXXX payments into the XXXX when I was closer to XXXX before. Now, when I finally meet the XXXX payments, I will be almost paid off anyway ( about 6 months away ). This information about XXXX and XXXX is a little better explained NOW but a couple years ago when this happened it was not. I even talked with financial aid counseling and no one caught it until it was too late. The employee at Navient was not honest and I am literally PAYING for it. Anytime I try to write a letter to XXXX XXXX, they ignore my complaint and only say that I have to continue paying my loan to be eligible for the XXXX. The XXXX is not helpful to most XXXX anymore because the cost of college has gone up significantly. It should be either removed or allowed to be done with XXXX. Why not? If it 's going to be forgiven anyway, why ca n't it be done at the same time?
Consumer complaint received 2016-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WV)

I have about $ XXXX in student loans. I contacted XXXX XXXX and XXXX, and I was able to get the loans placed in forbearance as I transitioned between careers. With all of the bills flying at me, it was my understanding that I had personally secured my loans and assured that nothing would default. However, XXXX XXXX XXXX XXXX failed to contact me by any means until I received a call one day from a 3rd party. I was unaware of the loans being sold to them, and had never heard of the company. 
By this point the loan was 96 days past due. After 30 minutes or so on the phone, I was able to work out a delayed forbearance plan XX/XX/XXXX-XX/XX/XXXX. They stated that three months had already past, so they could only do a retroactive forbearance for the XX/XX/XXXX-XX/XX/XXXX timeframe since I was already behind during those months. 
Confused? Yeah, me too. However, I went to look at my credit statement a week after working out this forbearance, and Navient had the audacity to hit my credit report with XXXX 90-day late fees. When I confronted them about it, they stated that there was nothing they could do about it except reconsider once I sent a letter explaining my circumstances. I 'm sending the letter, but I suspect I 'm not saddled with a deplorable credit score due to circumstances largely outside of my control.
Consumer complaint received 2016-04-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CL Holdings LLC (WA)

Hello, I have a collection account from XXXX that was slated to drop off of my credit report soon, because we 're coming up on 7 years. 

About a year ago, my credit score dropped and XXXX, whose credit monitoring service I use, told me it was because of a new collection account. 

It is the same collection that was slated to drop off, but now it says that it was opened XXXX/XXXX/XXXX. 

XXXX XXXX was the original creditor. They charged me a ton of money in overdraft fees and I could n't afford to pay it. 

I have attached more info regarding this debt. I think it 's unfair that a collection account that is scheduled to drop off has been reactivated, with a corresponding hit to my credit score. It sounds unethical and possibly illegal. 

Thank you. 
-XXXX
Consumer complaint received 2016-05-20
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 have spent years trying to work with XXXX XXXX and now Navient to pay an affordable monthly payment. I can not understand how they can base my required repayment on my gross income amount, without taking my monthly expenses in to account. If I received and my gross monthly income, I would n't be in this situation. I 'm exhausted with the process of submitting paystubs and paperwork, only to be sent a Repayment Plan in an amount that I simply can not afford. I originally borrowed about {$26000.00}. As of this date, they state that I owe over {$40000.00}!! I 've requested forbearances because of their unwillingness to work with me to provide an affordable monthly payment. These forbearances only accrue outrageous interest, which in the end, does nothing at all to help me payoff this loan. In this economy, why should I be paying over 7 % in interest?? This is unfair, nefarious, greed that has ruined my credit and caused many sleepless nights. I feel like they have me just where they want me and as long as they can play this evil game, they can continue to accumulate thousands and thousands of dollars. I truly need your help to stop this abusive behavior because I have no idea how to resolve this matter.