davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-08
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: CL Holdings LLC (IN)

Upon reviewing my credit report XX/XX/2016, I saw a collection account for Jefferson Capital Systems whom the original creditor of XXXX sold the account to for collections. I sent a letter to Jefferson CapitolSystems at the address listed on my credit report, which is supposed to be accurate information being reported to/by the credit bureaus. The letter was sent certified XX/XX/2016 and signed on XX/XX/2016 by XXXX XXXX XXXX. The letter stated that they had the required 30 days to verify and send me documentation of the accused debt that I was disputing as per FDCPA and FCRA. I waited the required 30 days from the date my letter was received at their office. I never received reply of verification of accused debt by Jefferson Capital Systems. Per FDCPA 807 ( 8 ) law, a collection agency is required to contact the credit bureaus on my behalf, and to make sure to add a sentence to my credit report withing 30 days, that says I disputed the negative item/information in question. THIS NEVER HAPPENED! They never complied to the credit bureau, and the credit bureau never marked my account as " disputed by consumer '' within the allotted time frame. This now constitutes a breach of Federal Law on Jefferson Capital Systems which is now liable to me for damages of up to {$1000.00} per occurrence. So, I sent letter 2 XX/XX/XXXX. I mailed the letter on XX/XX/2016. Jefferson Capital Systems received it on XXXX XXXX, 2016, signed again by XXXX XXXX XXXX. I was giving them another 30 days to verify the accused debt. Instead of that happening, Jefferson Capital Systems filed a suit against me. I received it XX/XX/2016. Now, over 60 days have gone by since my initial letter XX/XX/XXXX. Now that 's another 30 days of breaking the law and holding Jefferson Capital Systems liable for another fine of up to {$1000.00} for the second letter I sent to them XX/XX/XXXX, which they also ignored. This was still not my first initial contact from them directly, but through the court papers I received. Then a week after the lawsuit they filed against me, I receive a letter from them. Still no verification, just a call me and let 's talk letter. I did n't bother calling them. I felt I gave them plenty of time to respond to my two letters with documentation. I went to the courthouse to answer their bogus claim and file a countersuit against them. I guess their lawyer does n't feel they broke any laws. Surprisingly, I think they had the credit bureaus remove their account from my report because it is not there anymore. Guess they are trying to hide the fact that they never contacted the bureaus to have the dispute remark added in time, but I have credit reports from XX/XX/XXXX and XX/XX/XXXX showing that their account is on them, with no dispute remarks. They broke the law and they want me to pay for it. I have the letters I sent them, the credit reports and the signed certified cards to prove they broke the law. I received the response from the court and we are due to court on XX/XX/2016.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (GA)

Navient is not processing my requests for a copy of the promissory note for a student loan. 
I requested over the phone from XXXX XXXX ID Number XXXX that she send me a copy of the promissory note on XXXX XXXX, 2017. I called back later on XXXX XXXX, 2017 and talked with XXXX in the Office of Consumer Advocate. XXXX told me that the request I made on XXXX XXXX was not processed. So I asked XXXX over the phone to process a request for the promissory note on XXXX XXXX of 2017. I have not seen a copy of my promissory note from Navient yet in the mail. I called back on XXXX XXXX or XXXX and spoke with XXXX XXXX in the Office of the Consumer Advocate to see if that the promissory note request was processed in the computer and XXXX XXXX confirmed that the request had been made. I still have not seen my promissory note in the mail. I want a written explanation as to why Navient will not send me a copy of my promissory note to me. I hereby request through this complaint on XXXX XXXX that Navient send me a copy of my promissory note through certified mail. Thank you. If you do not honor the request made by phone on XXXX XXXX, then you need to send me an explanation as to why you will not honor that request. If you do not honor my request today XXXX XXXX XXXX, 2017 ) through this complaint filed with CFPB, then you need to send me an explanation as to why you will not honor this request for my promissory note. Thank you.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I am filing a complaint on Equifax because I have sent them a request for verification of debt ( I am attaching the letter I sent on XXXX XXXX, 2016 ) on XXXX accounts which I dispute which are currently being reported on my credit file. I asked them to provide me with specifics about their investigation and for a written response to contain those specifics. 
{ XXXX } They have not, as of yet, not responded to my request. It is past the time allowed for them to do so, and I submit that they must delete these accounts from my report as a manner of course, in order to protect my rights as a consumer, under the FCRA. Please ask that they either send me the requested information immediately or remove the accounts listed in my letter. 

Thank you
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

I was trying to remove old student loans that had been consolidated off of my credit report ( the old, closed accounts ). They did not verify the account nor delete the closed positive accounts. Instead they updated about 10 accounts marking them as late in XX/XX/XXXX. These accounts were established in XX/XX/XXXX and XX/XX/XXXX and consolidated in XX/XX/XXXX. My accounts have been current all these years. When I called the number on my credit report, I got Navient instead of Sallie Mae. I was told they couldnt transfer me nor was there anything they could do because the account was n't updated by them. But its Navients number on the credit report. I have several copies of my credit reports showing these accounts were just reported as late from XX/XX/XXXX.
Consumer complaint received 2015-04-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (SC)

The same company ( using multiple numbers ) keeps calling my house and immediately hanging up if someone answers. The calls happen multiple times a day ( as many as XXXX in XXXX day ), every day and sometimes early in the morning or late at night. This is not only a clear violation of the Fair Debt Collection Practices Act, but is also violating South Carolina state code on telephone harassment.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (PA)

On XXXX XXXX, 2016 I contact the Barclaycard customer service as my payment from XXXX XXXX XXXX was rejected and I was being charged service fees. I offered proof from XXXX XXXX that payment was sent and rejected. Customer service representative advised that charges would be reversed and at that time I paid outstanding balance in full. On my next statement the fees where still accessed along with extra interest charges. I again contacted their customer service on XXXX XXXX, 2016. This time they closed my account and were suppose to credit my account for about {$44.00} in cash rewards. I paid my outstanding balance in full and Barclay has not credited my rewards cash and have continually assessed late fees and interest charges despite me disputing theses charges in writing to Barclay.
Consumer complaint received 2016-12-30
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (CA)

I received XXXX suspicious emails from NetSpend regarding a debit card account that is held by a complete stranger. They refused 4 times to connect me with their Fraud Department in order that I may ask them to look into the matter. It appears that they are unconcerned with potential fraud within their accounts, and suggested that my local police should be responsible for any investigation. I consider this negligence on the part of NetSpend, and think they should be required to clean up their affairs!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (VA)

I contacted my lender ( Navient ) to change my income-based repayment plan. My original monthly payment was {$520.00}, which is not sustainable when my cost of living is considered. I pay over {$1000.00} in rent monthly not including other bills that I am responsible for paying. I was told by a Navient representative over the phone that I would need to re-submit an income-based repayment application with proof of income again. The customer service representative then stated that I would have to call back once they receive the application and I would then have to pay approximately {$1500.00} in full or I could submit a partial payment and go into forbearance for the rest until my new payment plan is in place. I can not afford to pay such a large sum of money all at once and should not be penalized for that.
Consumer complaint received 2017-01-19
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 services my Federal student loans. I was enrolled in an Income-Based Repayment Plan XX/XX/XXXX. I realized something was wrong when my payment amount increased dramatically XX/XX/XXXX. I called Navient and was told that I did not complete required annual recertification to maintain lower payments. I told them I never received notification through email, mail, or otherwise that this was required, when it was required, and what the consequences would be if it was not done on time. It was only when I logged into my Navient account and checked the Correspondence section that I saw they had sent an overdue notice regarding the need to recertify. I do not fully understand the penalty except that I believe a whole year of payments were basically wiped out. I did not submit a complaint because I did not fully understand everything and was assured that notice had been sent. My student loans are about {$60000.00}, so a year of interest or whatever the penalty was is enormous. Please help me understand what I can do to make Navient own up to their inadequate notification and correct this problem. And by the way, I have never missed a payment or been late on a payment even when my payment unexpectedly increased more than 100 % from one month to the next. Thank you for your help, and I hope by submitting a complaint a year later that it does not diminish any chance of correcting this problem. Thank you very much. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I received a 30 day late negative credit marker due to Mr Copper system having a issue, my auto payment was started for the month of XX/XX/XXXX online. Unfortunately I fell ill and was in a XXXX  state due to my XXXX and was not able to address Mr. Cooper before the end of XX/XX/XXXXdue to being hospitalized for the month, once I got in a state to review my account I immediately made a payment and reset the autopay. I have never paid my mortgage late and this has affected my credit by 60 points and as I am already recovering from being out of work for over a month I have still managed to make two payments after being released from the hospital please favor a removal of this negative 30 day marker. I have provided my proof of hospitalization and XXXX info, my bank statements from XX/XX/XXXXand XX/XX/XXXXshowing ample funds for withdraw and proof that up until this auto pay issue my payment was never late.
Consumer complaint received 2015-12-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (GA)

On XXXX/XXXX/15 I reached out to a Navient Ombudsman, XXXX XXXX, asking for my loans variable index, margin, and rate cap. I received the attached response, in a secured document, ( the pw is XXXX ) Navient is intentionally not disclosing the margin or rate cap so that I can not make a fully informed decision on loan refinancing.
Consumer complaint received 2016-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NE)

I recently pulled my credit report and found that NELNET\Education reported late payments regarding my student loan accounts. 
I believe this reporting is incorrect because I was in XXXX school during that time and my loans were in forbearance/deferment and did n't require any payments. 
I am requesting that this late payment be assessed for accuracy. 
Nelnet has not been able to resolve this issue after multiple disputes.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (RI)

I have several Federal Student Loans serviced by Navient. Prior to entering repayment in XXXX XXXX and since that time I have had several issues with customer service providing incomplete or inaccurate information but one instance truly stands out. As part of financing my XXXX education my mother took out a loan on my behalf. Then-XXXX described this Parent Plus loan as being in my mother 's name initially but then being my responsibility to repay following matriculation. Without this loan I would not have been able to continue my XXXX or XXXX education. Prior to XXXX XXXX I received several communications from Navient concerning my loans and, since we believed that this Parent Plus Loan was now connected to my account, we assumed all loans were included on these communications. Fast forward to XXXX XXXX and my mother receives correspondence from Navient indicating that she has defaulted on this loan and they would be notifying the Credit Bureau and withholding her Income Tax check. We did not receive ANY correspondence relating to this loan itself at any point prior to this. To our horror, we learned that this Parent Plus Loan is actually still linked to my mother 's name and there is no way to transfer it to my name, either through Navient or otherwise. The Navient representative we spoke to, XXXX, said that we must either pay all past-due payments, interest, and fees within 30 days or enter forbearance : those were the only options given to us. XXXX went on to say, " I know, they did n't really explain these well a few years ago '' ( referring to the Parent Plus Loans ). Obviously we did not have XXXX of dollars to clear up these issues so we were forced into forbearance. The forbearance period is now over and I am unable to enter into an income-based repayment plan on this loan because it is not linked to my social security number even though I am the one paying it. Navient provided incomplete, inaccurate information and completely defrauds consumers. Navient preys on desperate students and forces them into payment plans which cripple them and allows for no room to live.
Consumer complaint received 2017-01-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IN)

I have been paying off my private loan for 8 years, and my balance has gone up over that time, rather than down. I have made numerous phone calls to talk about different payment options, and have been hung up on.
Consumer complaint received 2016-02-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NJ)

I have a loan program called FFELP. I made a complain before about my student loan account number XXXX. On this account I have about XXXX loans. I have contacted the Salliemae/XXXX informing them I have no job and I needed to have my loan payments deferred, I requested this form since XXXX XXXX, due to unemployment. I have not received any document from XXXX and department of education. I have submitted a complain to Ambushed men but no solution. Every day I received more than XXXX calls a day from XXXX and Dep. of Education asking for pass due payment in the amount of {$1600.00} to pay immediately. I have no job I just wonder How will I pay them. I also know that I have a right to deferred my student loan. I just do n't know when the phone calls will stop. I spoe with most of them on phone telling me they want to help. i asked How? once I ask that question they hanged up the phone.
Consumer complaint received 2017-02-18
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 unfortunately needed XXXX more loans to continue my education. These ended up being private loans.These loans were first originated through XXXX XXXX and changed over to Navient. Since getting these loans in XXXX/XXXX I have not been able to lower my interest rate. My rate is 9.75 % and was told that was the rate and no change of lowering it due simply to the fact that they are " private '' loans.
Consumer complaint received 2015-12-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

My monthly payment increased to $ XXXX/month and I was laid off from my job. After going back and forth with my private loan provider about lowering my interest rate, my application for a lowered interest rate was denied twice. Now I am being hit with late fees in addition to two months of unpaid payments. I do n't know what to do, and the company is not giving me ANY information on how to move forward in a way that works for me in my current situation. If my payments were lowered, I could continue paying on time as I have done every single month since graduation in 2009. Instead of helping their clients, private loan companies pigeonhole them and hold they accountable for insanely high payments even during unexpected hardships, such as losing a job. I 'm simply asking for a new or revised contract, in which the folks on the phone at Navient are unhelpful with their information and keep repeating the contract I 'm currently in. I should n't be a prisoner of my student loan debt. I am a responsible person who is trying my best to make payments every month, but when my $ XXXX/month payment gets double and I lose my job, I simply can not pay. I should n't have to explain to any decent person that I have other payments to make such as rent, food, utilities, health costs, other student debts, etc. etc. If I was living off the streets would it be a reasonable cause for my payments to be lowered?! Not everyone has a trust fund and not everyone can scrape their family members clean of their hard earned money. My voice is not being heard. It 's simply unacceptable that while I 'm in communication with the company about a revised contract I " owe '' a late fee. I do n't know why this type of business is n't being called as what it is -- criminal activity. Forgive me for putting myself through school and borrowing money. I 'm truly at a loss.
Consumer complaint received 2016-05-12
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (CT)

I just called in to schedule a payment with my mortgage company and they are refusing to take the payment unless I can bring my account fully current all at once. We are 4 months behind and also owe this month ( 5 months worth ). We only fell behind because we were in the process of working with our mortgage company to get our loan modified. This process took over a year and, in the long run, they cancelled our modification without our permission because we fell outside of their timeline due to the fact that we were waiting for them to respond to something we requested in writing. I have made several complaints about this mortgage company and so far nothing has been done in our favor. The only reason we even have a mortgage with this company is because our mortgage keeps getting moved by the government due to fraudulent lending practices. Each time we are moved to an increasingly fraudulent lender and our account suffers as a result of this. It has been an ongoing battle with mortgage companies since at least 2007.
Consumer complaint received 2016-10-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Filaport Acquisitions (FL)

The so called Yorkshire Acquisition group have contact people unrelated to me to discuss a past debt without consent. They have also contacted my employer with unethical tactics and threats of subpoena my case. They threatened my employer, an school principal of serve me during my working hours at school. This company have never sent me a proper documentation to collect this so called debt. Not even after I kindly requested them for an unofficial document explaining the case. All the sent me was a email, and they kept on calling my family and relatives with threats. They wanted me to pay over the phone ; which I refused to do.
Consumer complaint received 2017-02-15
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Student Services (RI)

A third party debt relief service -Student Loan Aid- has been accessing my account and withdrawing funds but not applying these funds directly to my student loans. They also put my loan in general forbearance without my permission. I recently learned that this business was noted " not accredited '' by the BBB. This is clearly a for-profit company charging " fees '' and keeping your money - IT IS A SCAM! 
For me, this was originated on XXXX/XXXX/15 and my payments have not been accurately applied to my student loans since that time. I was not allowed access to my own accounts online because they changed the email address connected with the account - one that I did not have access to and could not use to recover access to my account. 

Please see attached bank statement as an example of this type of withdrawal in the amount of {$340.00}, which has been occurring on the XXXX of each month.