davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-24
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (TN)

I have the same name as the person they are trying to get a hold of. I have informed them when they have called that I am not the right person, they stopped calling for about 6 months, and now they are calling and mailing again. Now I have received a notice stating that they are going to garnish my wages.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (WI)

I reviewed my statement for the month of XXXX. My rewards balance had dropped by XXXX points. I contacted the credit card company. They agreed there was a fraudulent break into my account and rewards were used. The email address used was a fraudulent address. I was reissued a new card and told the points would be restored to my account. Upon receiving the new card, activating the new card, the missing points were not on the account. Upon contacting the card company again and talking to a supervisor, I was told it would take up to 90 days to review the claim, the first information would not be available until XX/XX/XXXX and the supervisor informed me that he could not sent me written or email confirmation of the conversation we had about the problem. This is unacceptable business practice. Please advise.
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

Due to the recent allegations that have been filed with Navient, I wanted to confirm that my students loans were not affected in any way ( e.g., Lost paperwork. Misapplied payments. Surprise late fees. Processing delays, etc )
Consumer complaint received 2016-08-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (CA)

XXXX XXXX sent a report to a debt collector AFNI stating I owed them {$930.00} for service in XXXX Illinois. I had never lived or even been in Illinois in my entire life. They sent me the bill because the person in Illinois used my name and something close to my social security number but not my exact social security number. They transposed two numbers therefore it is not my social security number. This being said I should have never received a bill. Now I have been thru filing identity theft case to the police department sending letters to debt collectors, dish network and credit bureaus. Nothing seems to be done about this incident that should never had happened since the social security numbers does n't much.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (TX)

Debt collector, AFNI, has not provided verified evidentiary proof of indebtness from the original creditor, XXXX XXXX XXXX within 30 days of my original dispute submitted on XX/XX/2016.
Consumer complaint received 2015-10-25
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ARVEST BANK GROUP, INC. (MO)

Arvest Bank charged me a {$10.00} late fee when I was only under {$6.00} on my payment and it was actually not late. It was received well before the due date of the XXXX of XXXX. I have since been unable to reach any representative to get the {$10.00} fee waived. I have been put on hold multiple times for over XXXX minutes each time in an attempt to reach a specific person who might be able to waive the fee but it was never promised that it would be waived. The reason I bring it up is because there have been XXXX separate occasions where representatives stated that since I paid ahead by several months ( I pay {$200.00} a month when my payment is {$160.00} per month ) I could pay whatever I wanted even if it was under the monthly payment of {$160.00} and I feel that the bank representatives have misrepresented the information to me as a consumer.
Consumer complaint received 2015-11-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I contacted Navient back in XXXX XXXX 2015 to get foreberance because I am in school in XXXX. I paid the XXXX bucks. Now two months later I get a debt collector stating im two months behind. I called them and was told payment didnt go through. I asked them to tell me the account information. The person had entered it incorrectly. Because of their error im now behind and its affecting my credit. I live XXXX and I put email correspondence. My family said they recieved no letter. The manager told me its not their fault and even though they made the mistake its my responsibility to make sure payment was taking so its still my fault and I must pay.
Consumer complaint received 2016-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KS)

My consolidated federal student loans were recently purchased by a new servicer : Navient ( XXXX ) After a few months of regular, automated payments consistent with my 20-year level repayment plan ( started in XXXX ), I received an email saying that my payment would change ( it was reduced by more than half ). Upon logging in to the website I observed that Navient had changed the terms of my loan repayment to extend the loan until XX/XX/XXXX. Prior to the change, I was scheduled to make the final payment in XXXX XXXX. Upon calling Navient, they were unwilling/unable to tell me whether the change in payment plan would result in me paying additional interest on the loan. There is also no information on the website detailing the full amortization of the loan ( previous student loan servicers have provided such information ). 

Because Navient refused to provide the information I was asking for, I requested that they change the payment plan back to the original terms. I do n't believe that a student loan servicer should be able to change such terms unilaterally ( especially if it will result in a greater cost to the borrower, which is my suspicion in this case ).
Consumer complaint received 2015-06-06
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (GA)

Navient is calling me almost daily regarding my XXXX yr old daughter 's student loan debt. She does not live with me but they are calling my mobile number ( even on Saturdays ) in spite of my requests not to be called and informing them she is not a household member. 
I refused to cosign for her XXXX XXXX loan and do not understand why they would provide her funds when she did not qualify on her own. 
Her father says he agreed to help her with a loan but does not recall signing an application and requested a copy of this. Navient states he did sign but copy has not been provided. 
He has explained to Navient reps she is not a househd member, is unemployed and only had part-time employment prior to this. He also reported he was a XXXX, but recently retired after having several bad crop years. 
Several months ago when questioned about household income, he disclosed to a Navient rep that I received retirement benefits. Since that time Navient is calling me. Can they call after I requested not to be contacted? Can they call me if I am not a cosigner? How did they obtain my mobile number? Called ID displays call originates from GA & has a XXXX area code-is this legal?
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. (NC)

Regarding your suit against Navient, after the death of my son XXXX XXXX, XXXX, I found he had been paying student loans for his late wife who died in XXXX, payments being billed by Navient. Her mother thought this strange and called XXXX University Loan Office where she was informed all loans were paid in full as of XXXX. The XXXX XXXX Loan Office indicated any loans were discharged with her death XXXX, XXXX. Navient would give her no satisfactory reply indicating they would only send information to the current address on record, which is my son 's address. I believe that the estate of my daughter-in-law and quite possibly those of other deceased students have been defrauded by Navient.
Consumer complaint received 2016-11-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES (WA)

I had XXXX different loans under XXXX different accounts through Great Lakes. My beginning balance was {$26000.00} over those XXXX loans. I recently consolidated the XXXX accounts for ease of convenience in paying them off, and to adjust my interest rate. By doing so, my credit score took a XXXX point hit through XXXX. My loans are now being reported with a beginning balance of {$21000.00}, not reflecting the almost {$5000.00} I 've already paid down on them. My installment balances are now calculating at XXXX % of the loaned amount instead of giving me credit for paying down XXXX % of my loans. I believe they should still report the beginning balance as {$26000.00} instead of my current balance.
Consumer complaint received 2017-03-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MN)

This debt was on my report for years before I realized it. I disputed it and it was removed in XXXX. 

In XXXX XXXX, it was added back to my reports, without any proper notification. It is also listed as a newer debt, as of XXXX XXXX, not showing any original default date. Considering it was on my report prior to that and removed, when they couldnt provide a legal document bearing my signature or verify the debt was mine. This clearly ca n't be accurate. Originally, prior to removal, it was stated the debt was from XXXX, possibly earlier. Not only are the reporting false data, but also reporting something that is not my debt and added back with no proper notification. Since they ca n't provide me with anything bearing my signature, that the debt is mine, it should be deleted immediately.
Consumer complaint received 2016-05-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I took out a private student loan in XXXX with XXXX XXXX. The loan was sold to Navient in XX/XX/XXXX. My interest rate is 12 %. I have been consistently overcharge every month and some moth XXXX percent of my payment is applied to the loan. My original loan balance was {$10000.00} in XX/XX/XXXX. My balance as of today is {$8600.00}. Navient can not explain how my monthly interest, principal and fee are being applied. Some months there is absolutely no money is being applied to the principal at all. I am trying to refinance the loan with them and they will not do so. I have good credit so I will try elsewhere.
Consumer complaint received 2017-03-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NV)

I graduated college in XX/XX/2009, at which time I spent months looking for a job, any job, just to make some money. The money I was making was minimum wage and not enough to even begin making payments on due to unwillingness of the lender to work with me on getting me on an appropriate repayment plan. I therefore spent years struggling to make ends meet and being harassed by debt collection calls ( I still receive to this day ) as well as being hit with penalty fee after penalty fee. Less than 10 years later from graduating I am now looking at a loan balance that is now 200 % more than the original balance owed. As soon as I could, a few years later, I attempted to keep my private loans in good standing by paying an agreed upon amount each month. It was a steep amount each month and the representative i spoke with implied that it was also to go towards paying down the principal and no additional fees and penalties would be charged. When I had some life circumstances change and I needed to reduce the payment I was harassed, insulted, patronized and told that " You might as well not pay us anything anymore as it wont do any good. '' It was at that point that I ceased all repayment as no other representatives were willing to work with me. All other personnel I spoke with were patronizing, accusatory, and unhelpful. This is where I find myself today, utterly hopelessly without options and trying to figure out how to get penalties and fees forgiven so I may hope to repay my debt within my lifetime ... but not seeing that presented at all by Navient.
Consumer complaint received 2020-10-06
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: JPMORGAN CHASE & CO. (NY)

ON XX/XX/2020, XXXX XXXX XXXXXXXXXXXX XXXX, JPMCB CARD SERVICES AND XXXX ADDEDED A DEROGATORY MARK ON MY CREDIT REPORT PER XXXX XXXX, XXXX AND XXXX XXXX. UPON FURTHER INVESTIGATION, THIS ACCOUNT WAS TRANSFERRED/SOLD AND I AM NO LONGER RESPONSIBLE FOR THE ACCOUNT. DEBTOR'S/CREDITOR DID NOT VERIFY THIS COLLECTION. ALSO, THERE WAS NO WRITTEN FORM OF COMMUNICATION, CONTRACT, OR SIGNATURE FOR THIS ACCUSED DEBT AT ALL. A BILL WITHOUT A SIGNATURE DOES NOT VALIDATE THE DEBT AND ANY PERSON CAN SEND A BILL AND SAY THAT IT BELONGS TO ME. ACCORDING TO THE FCRA, XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS AS A CONSUMER AND I AM REQUESTING LEGAL ACTION TO REMOVE THIS ACCOUNT IMMEDIATELY.
Consumer complaint received 2015-12-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (TX)

In a recent attempt to finalize re-payment options for my student loan with Navient Solutions, I was told that there was a second loan which had not been accounted for in addition to my current loan that shows a balance of {$2800.00}. When I inquired about this second loan I was told that it was a larger loan with a balance of around {$11000.00} and that I needed to address this XXXX as well or I could be facing possible action and even wage garnishes. I informed the Navient representative that I did not want to accept any unknown loan without seeing paperwork regarding this " new '' account. 

I have been making payments on my account since XXXX, formerly through XXXX XXXX, and since then I have made an estimated {$10000.00} in documented payments throughout the life of the loan. 

I would like to submit a request for hard copies from Navient Solutions , Inc. of any and all paperwork having to do with my current student loan information, as well as any and all paperwork having to do with the second loan in question which shows an estimated balance of roughly {$11000.00}. In addition to that, I would also like to request any and all paperwork regarding any loans that are associated with my social security number ending in XXXX that are currently under their possession as well as any third party agency representing Navient such as XXXX XXXX XXXX , XXXX. or any other company alike. 

I would like to conclude by stating that on XXXX XXXX, XXXX, I provided a power of attorney to appoint XXXX XXXX XXXX of XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX to serve as my agent in an attempt to collect this information from Navient. Since then nothing has been sent by Navient to them or to myself. 
Thank you
Consumer complaint received 2016-08-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AL)

The representatives get attitudes with you about your account especially if you are unable to pay at the time of the call. I think it 's illegal for the company to " search '' through names of people in the family when they are not on the reference list to contact harassing and getting attitudes with them. Even though they say they are willing to work with the customer, they are n't.
Consumer complaint received 2015-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PINNACLE RECOVERY, INC. ()

Pinnacle Recovery Inc. of XXXX XXXX XXXX, XXXX, CA XXXX, keeps sending me and my wife fraudulent notices of a debt that they ( Pinnacle Recovery ) are attempting to collect on behalf of XXXX XXXX XXXX. 

This mail fraud, identity theft and debt collection has escalated to the extent that a representative called our XXXX XXXX country landline home phone trying to make arrangements to collect a debt of {$1100.00} ( USD ) via Credit Card payment. 

My Wife and I have never transacted any business with XXXX XXXX XXXX We would very much like this harassment and fraudulent practice to cease and desist. It is all a scam, a sham, fraudulent, vexatious, tenuous and disgustingly opportunistic. Thanks in advance CFPB.
Consumer complaint received 2016-01-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (NY)

Selene Finance is knowingly currently engaging in the prohibited practice of dual-tracking while I 'm actively applying for and being considered for a loan modification and also failing to respond to my mortgage loan requests pursuant PART 1024 -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR 1024.38 ( b ) ( i ) ( ii ) ( iii ) ( iv ) ( v ).
Consumer complaint received 2016-11-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Waterfall Revenue Group (DE)

Billing agency sent claim/bill to the wrong insurance company. All correspondence to me regarding this matter went to a previous address. Did n't have any knowledge of mishap until I checked my XXXX account. My insurance company advised me to have original billing agency re-submit the claim/ bill for payment.
Consumer complaint received 2016-04-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I received a letter and payment coupons from Navient in reference to student loans for the first time this month. I never heard of the company and never had any contact with them prior ( had to research the company ). They stated I had a loan disbursement dated XXXX/XXXX/XXXX ( see the attached document ). I am not sure how that is possible because I did not apply for a loan in XX/XX/XXXX. There was no letter advising on the history of the loan ( how it originated and with whom ). I can not validate this is my loan but I am expected to start payments XXXX/XXXX/XXXX. This is not acceptable. Also the amount expected to be paid is too high and I can not afford it since I recently came out of Bankruptcy.
Consumer complaint received 2016-04-01
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC. (IN)

Continues to place calls to me at my place of employment although I have asked repeatedly not to. I spoke with a manager XXXX this time who continued to ramble on after I advised again that I can not receive these calls at work.
Consumer complaint received 2017-01-12
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (VA)

I attended XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and successfully graduated with a XXXX. My Private loans went through XXXX XXXX, who has since changed names to Navient due to another Class action lawsuit. Needless to say the Customer Service and loan tactics have not changed. 

I have XXXX Private loans with them, XXXX of which are cosigned by my parents who are both on fixed incomes due to retirement. All XXXX loans were in some form of Forbearance due to me not finding a job within the field of study I have the XXXX in for a number of years and not making enough to pay the balances owed along with regular living expenses. the Forbearance periods I have been told are not available now, apparently there are restraints on how long a loan can be in forbearance regardless of your financial situation. Until the company name change they have refewsed to try and work out a feasible repayment plan, although, at this time, we were able to agree on an Income Contingent program, although for some unexplained reason, the XXXX cosigned loans are not eligible and every program I 've requested about has resulted in there management department ( what ever they care to call it ) causing those loans to be listed as late or delinquent even though they are on a monthly automatic draft payment that they setup and agreed too. Now that the College I attended is no longer an establishment, and the loans were obviously predatory as to this day I still cant afford the approximate {$700.00} a month the payment would be if not on the IC program. Is a portion of this, if not all of it forfeit and charged off due to the predatory nature of the loan?
Consumer complaint received 2020-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2019 I was asked by someone to do a favor and receive a money transfer from them, which would be sent on Paypal, and return the sent money ( minus the instant withdrawal fee ) back on XXXX XXXX. I agreed because I knew the person. On XX/XX/2019, I was sent {$440.00} from the sender on Paypal and as promised, I sent back {$430.00} on XXXX XXXX which was the TOTAL amount minus the instant transfer fee. On XX/XX/XXXX on Paypal, an unauthorized purchase case was opened against me by this person. I provided sufficient evidence ( screenshots of messages agreeing and of the XXXX XXXX receipt proving I sent the money back. On XX/XX/XXXX, the sender opened a fraud case with his financial institution and because of Paypal 's incompetency to protect recipients of transactions, I immediately lost the case. I then opened a fraud case with my banking institution to receive the money back that I sent on XXXX XXXX, but the charge was ruled authorized. Now my Paypal account is negative {$460.00} and they want me to cover a scammer so they are not in the red.