davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

Two problems : 1. My application for forgiveness of student loan was declined by Navient after I was told it would be accepted. The excuse given was that because one of my student loans was too old for the program, all of my consolidated student loans would not be forgiven. 
2. I was charged excessive fees by navient when I thought I had set my account for auto repair and their website did not work correctly. It was confusing, and I thought it was set up correctly.
Consumer complaint received 2016-04-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (MA)

I am a recent graduate of an Interpreting program and have currently begun working within my field. Accepting a position in my field resulted in a financial gap in my salary ( I took a XXXX % pay-cut from my last XXXX job ). Upon contacting my private student loan provider I alerted them of my financial change and requested other payment options. They refused to work with me in order to find a suitable repayment plan. I have been paying back my private loans since I was in college, never missing a payment, and their only solution to my financial situation was to allow my private loan debt to go to collections. I refuse to accept that they are unwilling to extend the term of my loans, making payments affordable for me. I understand fully that I am responsible for paying back my student loan debt and I am not trying to justify not paying what I borrowed. I am simply making a minimal ( entry-level ) salary and am need assistance on repayment plans. If my private student loans provider extended the term of my loans, my payment would become affordable. They have refused to do so because my total debt is {$2000.00} less than the acceptable amount of debt a borrower needs to extend payment terms. I graduated one year ago, and am finally perusing the career I dreamed of in college. Now my student loan providers have suggested I quit this job in order to work at a restaurant so I can make ends meet on an unfairly large monthly student loan payment. They are making it impossible for me to continue working in the field, that I went to school for in the first place, in order to obtain a higher paying job to pay them back ( at 10 % ) for the education I will not be utilizing. I ca n't believe that any student loan provider would refuse to give their borrowers alternative payment plans. I am simply looking for accommodation for entry-level salary borrowers that is fair.
Consumer complaint received 2016-04-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Element Global Services (AZ)

Continued Contact after verbal confirmation of wrong number. Misrepresentation of action taken to " close the account. Rude and unprofessional conduct during phone call in the effort to collect a debt. Failure to provide verbal notice of attempt to collect a debt during both inbound and outbound communication.
Consumer complaint received 2016-04-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (VA)

i keep getting phone calls from a debt collector for kay jewelers, today they have called 10 times today and when i do n't answer they keep calling from different numbers. they then call private and if i answer they hang up and i instantly get a call with the number showing. it is beyond harassment when i ca n't focus in class because my phone keeps buzzing every 10 minutes. i also make payments when i can, i explained to them that I am currently not employed but whenever i get money i put something down so i do n't understand the harassment.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Billing disputes — 
Company: STERLING JEWELERS, INC. (PA)

I 've received XXXX phone calls from Kay 's jewelry ( XXXX at work ) and XXXX voice messages regarding an {$80.00} debt within the past two days! I discussed with them in store I wanted the payments to start on the XXXX of XXXX which I intend to do but this harassment is absolutely ridiculous. Please do something about this ubsurd behavior. This is n't XXXX you know? It 's XXXX. XXXX XXXX.
Consumer complaint received 2016-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

Good morning, In XXXX 2014 I had a loan balance of {$40000.00} and payment of {$200.00} that qualified for the PSLF as I am a public service employee in a low income XXXX. I then went back to school and added {$18000.00} worth of loans to my balance. The loan servicing organization is how claiming my payment has to be at least $ XXXX to qualify for the PSLF. This does not make sense because my loan balance is only increased by 31 % so why does n't my payment correspond? I should be making a payment of no more than {$260.00}. I have told them I only have $ XXXX but I can scrape together the {$260.00} if I must. However, they are ignoring me and not helping me resolve this problem. They just keep insisting that I have to pay $ XXXX or I ca n't be on the PSLF. I believe they are doing this on purpose because they have realized I will have a large balance of my loans forgiven through the PSLF and they do n't want to lose that money. Additionally I have asked if I can just pay on one loan and defer the other one but still let it qualify for the PSLF but again they are ignoring me and not telling me if that is possible or how to do it. 

I am at a loss here. I want to pay my loans but I only have $ XXXX and they say if I only pay that much I will default. I do n't know what to do. Can you please help me? I do n't want to default but I do n't have any more money and I need to be part of the PSLF. 

Please help if you can. 

Thank you! 
XXXX XXXX P.S. I have documentation of all of my correspondence with PHEAA and the Ombudsman but it is A LOT!!! I attached a summary but if there is anything else you need I do have it, just let me know.
Consumer complaint received 2016-05-17
Product: Other financial service — Foreign currency exchange
Issue: Fraud or scam — 
Company: XOOM CORPORATION (IL)

I made a purchase on XXXX XXXX, 2016 at XXXX through Xoom.com of a {$17.00} United States XXXX for a phone reload of {$16.00} United States XXXX for the amount of {$300.00} XXXX pesos, which incurred a transaction fee of {$.00} United States XXXX to add up to the {$17.00} XXXX. The phone carrier in XXXX is XXXX. The number for which I processed the reload is XXXX. The Xoom tracking number is XXXX and the recipient is XXXX XXXX XXXX, my wife. 

The transaction did not go through and I have asked xoom.com to return my money and they say that they can not do it because the money has been deposited to the carrier, which is not true. 

I am seeking the full refund of my {$17.00} United States XXXX because the company has not provided the service they promised. 

I am waiting for them to do something. 

Thank you, XXXX
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. (CA)

I took out a {$50000.00} loan from XXXX ( now Navient ) back in XX/XX/2007 to attend University of XXXX. During that time, I was never given an option to co-sign with my parents. After my schooling ended, I was automatically set up on a 10-year repayment plan ( by no choice of my own ) with bills far exceeding what I had the means to pay because of the economic crisis. Worse, when I contacted Navient, they quickly ushered me into a forbearance program without even making me aware of an income-based repayment plan. It was n't a few years had passed that I did my own research and found that an income-based repayment plan was even an option. But by that time, my loan had already reached {$80000.00}. I was 100 % taken advantage of at every step of the way, and bullied into forbearing my loans. Now I struggle monthly to even pay off the interest ( at 15 % of my income ) and will be paying almost {$200000.00} after my 25 years is up for forgiveness.
Consumer complaint received 2015-07-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

The interest from my student loan keeps building adding more interest and they wo n't set up payment plan 's with me to pay it. They demand all the money up front because I did n't pay it immediately so now I 'm in collection with the debt company and they keep harassing my phone sending me mail notices demanding payment but refuse to allow me to pay payments at my convenience when I have the funding. The customer service is aggressive, intimidating and unprofessional. I want them to clear off half of my loan and allow payments to be set up appropriately until paid in full. The amount the loan started from is what I want to pay and nothing extra.
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (CA)

I have late payment entries on my credit report from Navient by the following events beyond my control : 1. I had a student loan held by XXXX - and I was actively enrolled in a direct debit payment. 

2. XXXX sold my student loan to the newly formed company Navient - but included an old address ( my parents ) with my account. 

3. Navient sent loan ownership and payments due notices to my old address - which sat unopened. 

4. My mother sent old mail to me, I became aware of the situation, and quickly paid my outstanding balance and set up a direct debit agreement. 

5. My account has been, and is currently in, perfect standing. Instead of reporting the single payment that was missed, Navient has reported on XXXX smaller loans - resulting in terrible credit. 

This is a completely inaccurate view of my credit, costing me thousands of dollars on my home loan. Navient has been immovable. I would so very much appreciate your help in resolving this issue.
Consumer complaint received 2015-11-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (NY)

I was a student XXXX. I am waiting for my XXXX degree. I am currently working XXXX - I do n't have a full time job and have been trying to make my payments on the private loan to Sallie Mae - I can not afford {$1100.00} per month. My parents also can not afford this amount. I am supposed to be paying rent to my parents, which they have waived and they also have been helping as much as they can since they are cosignors. I have asked several times to make payments based on my income and have been told No by Sallie Mae. Until I can get a full time job, I can not afford the payments they are asking for. I will end up having to go out of my XXXX field if I can not get a full time job and I do not want to do that. I just need help until I can get on my feet. My debt is over {$100000.00}.
Consumer complaint received 2015-04-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (CA)

In XX/XX/XXXX I helped my niece by co-signing for her student loan. I thought no more about the issue. It 's now XX/XX/XXXX, I 'm retired from XXXX and receive a copy of my credit report with Navient reporting 60 and 90 days late dropping my credit score by XXXX points. 

I called Navient to figure out who they were. Once i knew they were reporting late in regards to my niece 's loan, i called them right away. They had no accurate information for me and had never tried to correct the information. The customer service representative verified they had returned mail because of the inaccurate information. 

Navient never tried to contact me. They had my niece 's information and simply could 've asked her for my contact information. I would 've made the payments had they tried rather than let the account go overdue and allow delinquencies on my credit report.
Consumer complaint received 2015-05-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (FL)

I have no idea why this debt is being collected on a bill that was from an alleged traffic ticked from 1999. Not only do I not owe it, but it is from more than 17 years ago and the statute of limitations has passed. Not only is there no evidence or proof that I owe it, they refuse to acknowledge that they can not collect it and they refuse to stop sending me letters to my work and home when I have told them not to call my work phone and cell phone. I do n't have a home phone and therefore they refuse to stop. I just want them to stop contacting and threatening a civil action on my phone and telling me I could get XXXX.
Consumer complaint received 2016-03-07
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CL Holdings LLC (TX)

My Tribute card was issued to me in XXXX. I made all payments on time. In XXXX XXXX, Tribute raised my credit to {$500.00} without my request and then closed the company. I called ot make a payment in XXXX, XXXX and was advised that the company closed and could not be reached at the number or correspondence. The company Jefferson XXXX XXXX reported that my Tribute card was lost and re-issued. My card was never lost and reissued. The company XXXX XXXX then put both accounts that I did not have on my credit with a balance of {$1000.00} without notifying me. I reported the complaint to all XXXX credit entities such as XXXX, XXXX and XXXX and my claim was denied. The credit is reporting on my report for the last 9 years beyond the lawful amount of time of 7 years and is reporting incorrectly. I would like for the account to be removed from my credit report. My credit report shows that I have disputed the account. The company does not meet federal regulations and is reporting incorrectly.
Consumer complaint received 2016-08-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AZ)

I took out a {$10000.00} XXXX loan to aid in XXXX interview travel in XX/XX/XXXX with a payment term of 240 months. I fell behind in repayment in the mid to late residency and fellowship training. Upon completion of XXXX XXXX XXXX and entry in into the medical work- force, this loan was paid in earnest completing repayment in full XX/XX/XXXX well under half of the loan original repayment term. This loan was repaid through the same servicer, Navient, as my XXXX other federal loans. It was repaid first. I noticed that as I repaid each of the other loans their status on the website changed to " paid in full '' from " in repayment. '' The aforementioned XXXX did not make this change. It continues to be listed as in repayment. I have discussed the the customer service representatives from Navient in an effort to determine why this loan was listed as in repayment, furthermore, I have noticed that this loan has been listed in my credit reports as closed as a write off in excess of {$12000.00} dollars whereas all other loans that were subsequently paid in full are listed as closed and paid in full. This is negatively impacting my credit. 

I have contacted the customer service at Navient on multiple occasions each time with the same outcome, the Customer serice representative s ( CSRs ) of Navient for the division that works with the website and federal loans explain that they have no role in private loans and the CSRs in the private loan division state that they have no control over the way the loan is listed on Navient 's website. On my second attempt to discuss the website listing the loan as 'in repayment, ' the CSR reported to me that both of here supervisors refused to speak to me when I appealed for there assistance with this issue that had proven too complex for the CSRs and then the line suddenly became disconnected. 

As the issue issue above appears on my credit report as a derogatory mark, I have requested the CSRs from Navient 's private loan division to send a letter documenting what they reported to me the found on the phone -- that the loan repayment was complete and paid in full. When I received the letter it was dated XXXX/XXXX/XXXX and it stated, " On XXXX XXXX, XXXX, we received the final payment of {$1.00} for the private student loan referenced above. Once the funds clear, we 'll consider the loan to be paid in full and will notify the consumer reporting agencies of the updated status. '' Thus, after 18 months this {$1.00} payment remains pending clearance and despite the assertions by Navient CSRs the the loan is repaid in full their websites, official communications and reports the the credit bureaus are not reflecting this. I do not understand how this {$1.00} payment has remained uncleared and in limbo fo this long and am requesting assistance as this error has impacted me financially in a negative fashion and I have been unable to get it addressed via Navients Customer service system.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I was never told about any options due to student loan forgiveness programs or income driven repayment. I was told to keep applying for forbearance and deferments. My loans are in default and i can not afford the payments with all the interest.
Consumer complaint received 2017-03-30
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (MI)

To Whom It May Concern : I had taken out two ( 2 ) Parent Loans for my son when he attended XXXX University. He left college and the loan payments came due at a time I was dealing with debt left by a divorce. Rather than file bankruptcy I opted to settle with all creditors except for the parent loans. As time went by they did start a garnishment XX/XX/XXXX. 
My employer has deducted {$190.00} every two ( 2 ) weeks beginning XX/XX/XXXX per the United States Government Wage Garnishment Order ( XXXX ) in the amount of {$20000.00}. 
I contacted the Creditor Agency ( CBE ) last week to confirm the date I thought this should be paid in full ( approx XX/XX/XXXX ). I was told I still had {$5500.00} plus to pay and interest accrues daily. At that time I requested a transaction history on the collection of my two ( 2 ) accounts. 

I received their transaction history report that carries NO BALANCES. I received the payment history from my employer that carries remaining balance after every payment. I created a spreadsheet using BOTH CBE and my employer. 

First, the garnishment order of {$20000.00} consists of : 2 parent loans totaling {$14000.00}, Interest due of {$1900.00} and CBE Fees and Costs of {$3900.00}. 

Secondly, in addition to CBE 's fees/cost of {$3900.00} INCLUDED in the garnishment, they have collected ADDITIONAL fees of {$37.00} every two ( 2 ) weeks processing payments received as follows : XX/XX/XXXX - {$410.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$970.00} XX/XX/XXXX - {$220.00} ( as of XX/XX/XXXX payment processed of XX/XX/XXXX payroll deduction - Why does it take so long for them to process? ) The collection company is receiving over half the cost of the original debt IN FEES to collect the debt. It 's a wonder anyone goes to college or that parents take out these loans not knowing what the future holds financially for them. 

Both myself and my employer have a total balance left on my garnishment of {$1700.00} per the payroll deduction of XX/XX/XXXX ( which CBE processed XX/XX/XXXX per their transaction history report ). CBE verbally told me I had a {$5500.00} plus balance as of XX/XX/XXXX. 

Finally, How can a wage garnishment order that is almost fulfilled have a balance that can keep growing seemingly never to end? 
Where are the checks and balances for the consumer or in this case debtor? Is n't a garnishment order for a specified amount only as listed in black and white on mine?
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CBE Group, Inc. (GA)

Hello, I received on my credit report an unpaid notice for {$26.00} from the cable company XXXX XXXX XXXX XXXX XXXX that hurt my credit score by XXXX points and impacted my process with the Lender in obtaining a mortgage over such a small amount. The unpaid notice was then sent to a debt collection agency, CBE Group ( www.cbegroup.com ). I never received any urgent phone calls to resolve this issue. 

On XXXX/XXXX/2016, I contacted XXXX XXXX and paid off the unpaid bill notice. It should be noted that I paid off the amount, but XXXX XXXX was unable to inform me what the charge was for. I had closed a cable account and moved. All they did, supposedly was send a bill notice in the mail to my old address, which I never received. 

This bill was then sent to CBE Group ( debt collections agency ) for XXXX XXXX XXXX. On XXXX/XXXX/2016, I spoke with CBE Group to confirm the issue has been resolved and that they 're in the process of withdrawing the bill from my credit history. I informed CBE Group that they never called me, but was informed that CBE Group does make phone calls to inform customers of the unpaid bill, but DOES NOT LEAVE MESSAGES. If an issue like this can impact my credit history by 100+ points, I think it is very important that debt collection agencies leave a proper voicemail and provide every opportunity to have these issues be resolved before it is impacting a consumer 's credit history. 

thank you
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. (CA)

I went to XXXX XXXX XXXX XXXX XXXX in XXXX, CA. My original loan amount was approximately {$55000.00} and now I owe over {$100000.00}. For years I have requested my payment be lowered to a price that I can afford, but instead they will only defer or forebear it adding more interest and penalties. They are unwilling to work any different solution. I am now at a point where I will just die with it and they wo n't be able to get any money. I could never repay that amount they are asking and it will only continue to grow
Consumer complaint received 2017-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

There were XXXX accounts from Navient that were removed from my credit reports and added back without proper notification. Please remove these items immediatley as they are in violation of the FCRA. 
Cited text under 611 - 15 U.S.C. 1681i ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).