davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

my wallet was lost with all my property. I had report it to the law enforcement. I sent the report to all XXXX credit bureau. those charge on my credit report are fraudulent charge. I 'm continue to says and repeat my self that those charge are not mine. I do not made the report my self you need call the city were i 'm living to found the thru. okay thank you
Consumer complaint received 2016-03-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation (FL)

This company keeps calling my work place, and leaving automated messages asking for me to call them back. My coworkers get the call, and tell me about the " personal '' messages that sound very concerning. 

I do not want to be reached at my place of work, and I have no idea why I 'm being contacted in the first place.
Consumer complaint received 2017-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IA)

I have had multiple loan payments mishandled by Navient. They are either incorrectly entered, processed late, or not processed at all. All payments have gone directly to interest with no option to make payments on the principal balance, so my loans simply continue to grow. My payment amount have changed twice now despite having the same amount of monthly income, and I am on an income-based repayment plan. As it stands, my loans will never be paid off in my lifetime if I can not make any payments on the principal amount and my bills continue to increase.
Consumer complaint received 2017-01-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (IL)

In XX/XX/2016 I tried to have the loan forgiven due to hardship of payment. I was on XXXX, XXXX and because of age it was so hard to find any full-time work. In fact the only work that I have been able to find is part-time and it does not even fulfill my degree. I went through my doctor and fill the paper work and was denied. So then I went through my work and that fact that my company is a non-for profit company there was a program that would allow me for forgive the loan but because I only work 25 hours a week the limit for me is 30 hours. Since the are sending me voice mails, written mailings my credit record my home equity was closed. At the same time with the loan, the XXXX stopped now my home is in jeopardy and now is in foreclosure and I have just over two years left on my mortgage. All I am trying to do is save my home. Because of age, XXXX years of age I am able to file for retirement. I am must getting back on my feet but it will be some time.
Consumer complaint received 2016-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I have both private and federal student loans with Navient. There are two issues that need to be addressed. My credit score recently dropped XXXX points because Navient mistakenly reported I owe a {$520.00} payment! My payments to Navient are auto debited on time each month, twice a month.I immediately called Navient to inquire about the supposed missed payment of {$520.00}. They checked my account history and showed that I was current on my accounts and they had no idea where {$520.00} was coming from. I check my credit regularly with XXXX XXXX and am attaching documentation. I also called XXXX to verify that my score had dropped and they confirmed it had recently changed and they were showing that Navient was reporting a payment due of {$520.00}! I would like Navient to report to Equifax and any other credit bureaus that I do not owe a payment of {$520.00} and they mistakenly reported that payment due and tell the credit bureaus that I am and have been current and on time with my payments to them. 
The second issue concerns making payments to Navient where the majority has been applied by Navient to interest and a minimal amount toward the principal. I am attaching documentation of my recent payment history with Navient. I 'm specifically speaking of payments made on XXXX a payment of {$200.00} was made and only {$62.00} went to principal. Two payments made on XXXX one for {$150.00} where only {$1.00} went toward principal. The other payment ( on same day ) for {$60.00} where only {$0.00} cents went to the principal! These payments were made less than 10 days after the loan payment was due and paid. So the majority of those payments minus 7 days of interest should have gone to principal. And again, another payment for {$200.00} on XXXX/XXXX/2016 where only {$53.00} was applied to principal! This is not an ethical business practice. They are ripping me off and making it impossible for me to pay my debt down. I 'm at a 4 % interest rate on my private loans and a 6.5 % on my federal loans. I would have to be upside down with an outrageous interest rate for my payments to be applied the way they are applying them. I want Navient to scrutinize my payment history, especially the payments I have specifically pointed out here in this complaint, and fix this by going back and applying the money from my payments to the principal as it should have been done when the payment was made. Thank you!
Consumer complaint received 2016-11-09
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (PA)

For the past year, PNC of XXXX, PA has messed up my accounts. Today I was kicked out of the bank after trying to get this issue resolved again. Each month, my account is screwed up and getting past due letters. Now they tell me that XXXX account is blocked, but they do n't know why and am unable to make a payment. I started with XXXX bank for my mortage, followed it to XXXX and then to PNC. I have been a customer for over 25 years. Paid off my mortgage, and a line of credit for {$17000.00} and have been treated shabbily. Today they kicked me out of the bank and threatened to call the police just because I got upset that they would not take my change and credit it to my account. They said that if I wanted to use the change that I would have to return home, wrap it and then bring it back. Would NOT accept unwrapped coins. I am a senior citizen, XXXX and it is very hard for me to get around and to be told to leave, wrap the coins and then return before they would accept my payment. What kind of banking is that? Last month, I was assured that everything was taken care of and there would not be any more problems.
Consumer complaint received 2016-12-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

My complaint is for Navient autopay practices. My expected payment amount of {$340.00} did not occur on the designated date ( XXXX ). Instead, I was charged a overdraft fee even though the expected debit amount was available. I received a letter from Navient dated the day of my expected payment ( XXXX ) letting me know that my payment amount would change to {$1000.00} beginning the following month ( XXXX/XXXX/2017 ). However, Navient debited my checking account on the designated day ( XXXX ) for {$1000.00} instead of {$340.00}, hence the reason for the overdraft fee. Needless to say, I was severely impacted by the loss of {$690.00} of my funds plus the overdraft fee. Note that XXXX, the day of the debit is the same date on the letter. Therefore, there was no advanced notice from Navient that my payment would change in XXXX ( versus the letter stating it would change in XXXX ). When I called to explain this and request a refund, I was told I they would have to do a forebearance on my account. For which I totally disagreed and requested to speak with management. After waiting approximately 20-25 for a manager, the representative returned and said the manager agreed to request my account not to go into forebearance, agreed to refund me the difference of {$690.00} ( but it would take up to 15 business days ) and that I would have to send/fax a copy of my overdraft fee in order to get that reimbursed. The impact of have {$720.00} ( {$690.00} and {$29.00} OD Fee ) removed from account is detrimental. Especially with no warning. No knowledge means no consent. I was told that I was made aware two years ago that the payment would change. Two years ago. To which I responded, the notice from two years ago was sent to me in order to agree with the change or make other arrangements. That notice two years ago came prior to the change occurring at that time. There are breaks in Navient 's controls : A notice of payment change dated the same day as the debit occurs ( no prior notice or consent ). A notice that states the change will occur on the following month, but occurs the month before the notice is received ( deceptive ). The notice stating if your auto pay amount changes, Navient will provide at least a 10-day notice before the next auto pay ( false statement in this case ). The amount debited without knowledge not being able to be returned for up to 15 business days ( abusive ). The possibility of forebearance on your loan for Navient 's lack of controls ( unfair ). All of that to say : Navient has not exercised fair practices. I find this an abuse of my rights. Who knows if others have had this happen to them or the long term consequences of Navient 's actions. Will this have an impact on my loans, my interest, or my future payments because something will have to be adjusted on their end? While it appears that my issue is being corrected, I find it very disheartening that Navient operates in this manner.
Consumer complaint received 2023-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (TX)

I was recently applying to purchase a home through the XXXX  XXXX XXXX XXXX  XXXX. When I filled out the application and went for approval I was told there were some things I needed to clear up before the purchase. One, in particular, was from a rental property I used to stay at a couple of years ago. XXXX XXXX well since they were increasing rent I decided I was going to move. So, I told the landlord that once my lease is up I will no longer be staying here and I will NOT be signing another lease. When the month came and my lease was up I moved. There is no way I broke my lease nor was I evicted or abandoned my place of residence. I had a verbal agreement that I would not sign another lease and I would be moving. Now not only did XXXX XXXX charge me a whole year 's worth of rent ( {$12000.00} ) or ( {$12000.00} ) or $ ( XXXX ) that reporting to the XXXX XXXX that was sold to Hunter Warfield debt collection company as a collection of bad debt and they have in turn ruined my credit score by placing this erroneous debt that I do not legally owe on my consumer report. I'm a natural person and I have never entered into any written or verbal agreement with Hunter Warfield allowing them to charge me a debt or place any information on my consumer report. Can you assist with this matter? as me and my family would like to be able to purchase our 1st home this year.
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

I currently have XXXX Private Student Loans with Navient. 
The combined original amount was {$8400.00}. I have been paying 5 years on these loans at about {$110.00} per month. 
The current loan balance is {$9600.00}. I have contacted Navient regarding my balance they are very vague and unwilling to give full details how much is applied to principal and unwilling to agree to a lesser pay off amount. It seems no matter what I pay the pay off date will be XX/XX/2025 and I want to pay them much sooner and Navient is unwilling to work with me or give me details of how interest is compounded.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

I do not appreciate the tone of the representatives from Navient who call and threaten to " move your file to the next step '' If you do not contact them by XXXX. Not only am I in the military ( XXXX ) I WORK too and also recently relocated to a different state a few days ago. I refuse to work with prying unprofessional rude people who do not have the common courtesy to help you out as apposed to questioning, WHY you can not pay something. If i do not have the money at the time, simply put I DO NOT HAVE IT but was willing to pay the following week. I have not been in my position for weeks to even come to a conclusion as to when I can pay before XXXX XXXX. I was willing and able to set up arrangements for XXXX XXXX, but received threats instead.
Consumer complaint received 2015-04-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MN)

Navient told me at XXXX point after i filed my bankruptcy that my balance was at a zero balance and discharged in bankruptcy and now they put it all back on and put it back into charge off this was a 2007 private loan and my federal loans have been approved for XXXX discharge and are now at a zero balance but the private loans will not approve me or let it go with my bankruptcy which i had to file XXXX and still no relief please help me
Consumer complaint received 2017-02-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I currently am in graduate school and unable to pay for my education because Naviant defaulted XXXX of my private loans from college. I have been consistentlay making monthly payments of {$500.00}, but my total debt has yet to go down. I feel so enslaved and trapped. My mother has been helping me with the payments but no matter how much I pay the interest keeps rising.
Consumer complaint received 2016-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I consolidated my loans several years ago for a lower interest. Since then I have been making regular payments bi-monthly for more than XXXX years via automatic payments. In XXXX Navient received XXXX of the payments, and then returned the funds to my bank two weeks later without crediting my account, immediately before they accepted my next payment. I discovered this and contacted Navient. The representatives said they could not help me but would investigate and have someone call me back. 

I received no callback, but did receive a letter stating that because of the missed payment my interest rate was being raised because of the missed payment. When I called again I was told there is no department or person to handle disputes. All I can do is send in the documents from the bank showing the payment and refund. They can not tell me what they might do with the information other than forward it on to the payment department.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

XXXX paid to through Paypal. Both vendors are in XXXX and advertised to be in the United States when products were being purchased. I did not receive what I purchased. Paypal has allowed this behavior. I am out of my money and the product.
Consumer complaint received 2017-03-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (CT)

I have been called on my cell phone daily fromby an organization identifying themselves as CBE collections. They have asked for my husband XXXX and said they are collecting a debt and want extensive identifying information regarding him. I have asked each time for information on the alleged debt : Amount, Merchant. etc. Each time I have asked for more information the caller hangs up on me. The calls have originated from the following three numbers : XXXX, XXXX, XXXX. 
My husband and I have no outstanding debt. No collection notices. Nothing late and unpaid. 
Please do not share my mailing address with this organization. I was told I could submit this complaint without my mailing address. I am concerned this is an attempt to harass us or steal identity and I do not want to facilitate either.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AZ)

Navient reported me 90 days late to Credit Bureaus XX/XX/2017. I was approved for forbearance on XX/XX/2017 to include the months which they reported me. I spoke with the advocate office and they indicated I listened to their recorded terms of the agreement when I was approved for forbearance and they reported accurately. They did mention that they updated the Credit Bureaus that I was no longer past due however that did not remove the 90 day late from my credit report. My argument is this. Navient approved my forbearance for what was past due, which brought my account current with no payment due for those months and my next payment is not due until XX/XX/2017 - than Navient is NOT providing accurate information to the credit bureaus. They are supposed to correct and update the information they are reporting as ( they ) Navients records now show that there was no late payments on my account as they approved the forbearance to be retroactive and delete the past due amount from their records to bring my account current. Should Navient not report this same information to the Credit Bureaus as well? Who regulates these agencies?
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I received fund through paypal. But paypal decided to permanently disable my paypal account with no refund, withdraw or send option, they have forcefully trapped my money for 180 days in their website without my consent, note that i verified my paypal account with XXXX  and as well uploaded all my legal documents to their website. This is illegal! 
I need either to refund or withdraw the my cash. 
Thank you
Consumer complaint received 2023-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2015-09-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

My loan is from XXXX XXXX XXXX in XXXX XXXX, it used to be on XXXX XXXX but I guess they moved to mile of cars way. Interest is as high as 7 % and I can not use any of the credits I got there anywhere else, I still owe XXXX, I want some relief or a refund because this school is just not worth it, none of the teachers knew what they were doing. My loan used to be with XXXX XXXX but now it is with navient.
Consumer complaint received 2015-10-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (VA)

The number XXXX has called my cell phone multiple times daily since XXXX XXXX 2015. Any attempt to answer the call results in an immediate hang-up. XXXX time a person came on the line asking for another individual, but did not provide any other information and hung-up. They continue to call relentlessly.
Consumer complaint received 2017-02-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (NM)

We have been receiving phone calls on our land line from XXXX for more than 1 year on our land line. The number calling is XXXX XXXX. They called 3 times today starting around XXXX. We are elderly and my wife has XXXX Can we sue them in small claims court to receive damages for aggravation? We need this to stop. We have a credit rating well over XXXX and are up to date on all debt payments.
Consumer complaint received 2015-07-14
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Navient Solutions, LLC. (NY)

I advised in the conversation with the representative that the rate at which they wanted me to repay was unattainable at my current income level. The representative then responded, with full fledged attitude, that " they '' did not need to make any concessions for me, that they can make me pay whatever they 'd like per my promissory note. This of course is untrue because I do have income based repayment options. That representative was wholly unprofessional and turned me off to wanting to work with them any further to resolve my bad debt. I told he rthat comment was unncessarry to have been made, that I know this debt is mine to pay but I need options. To which she responded, " I 'm just telling you the truth ''. It is hard enough to come to terms with the nearly {$100000.00} of student loan debt that I have with my measly income. The unwillingness and poor attitude of the call center representatives makes you feel demeaned and is just unproductive.
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I currently owe on XXXX separate student loans totaling over {$100000.00} dollars. I would like to pay XXXX loan off at a time, so that more money can go to the principal. I think I would have more success actually paying them off. This is not available. I 'm told I must pay on all my loans simultaneously contributing about {$20.00} to the principal monthly and the rest goes to interest. This XXXX, my payments will increase to {$700.00} a month. I will have no choice but to defer my payments because I am also told they can not be any lower according to the payment plan. Eventually, my payments will grow {$1100.00} a month! I need help with a monthly payment that is affordable. I ca n't be in deferment forever, while the loans continue to collect interest.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

For years, ever since I was able to consolidate my federal student loan, I have been trying to get the same done at Navient. Any time I call I get bounced around until I eventually hang up because they dance around my question. I have XXXX accounts with Navient, with 10.25 %, 7.625 % and the last at 2.875 % interest rates. XXXX of those are exhorbident and I 've tried to do everything but they 're just not helpful. I get the " oh we do n't do that '' but I know full and well that they do. I 've tried to ask about loan forgiveness and got the same response. Navient is only looking to help itself, not all of us in piles of debt for pursuing a greater education. I 'm the XXXX to graduate college.