davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-03
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)

Issue with Navient Student Loans - I refinanced my mortgage and closed XXXX XXXX, 2016. The escrow company sent checks to pay off my wife 's student loans. Navient cashed XXXX check, lost the XXXX one, and we found out a month later they did n't credit any of the monies against her account. But we had to call to have them send back the money they kept. 

We 've called like 10 times, spoken to supervisors, been sent to other departments, etc. 

Navient then returned some funds, so we sent XXXX more checks XX/XX/XXXX to clear the account. They cashed the checks but did not credit the accounts for the monies they 've received. My wife 's account then went into default, so we did a forbearance. 

A month later they said they sent out the checks to escrow. Three weeks later we called again and they said no they had n't sent the checks but were sending them out. Then weeks went by, no checks, and they said they still had n't sent them out, but they would. 

Now it 's XX/XX/XXXX, no checks, they said they sent the checks out again and no one has seen the checks. 

We just want them to take the money they have of ours and credit her account, credit her with the interest they 've overcharged her while they had her money, and be done with this and Navient! 

XXXX XXXX XXXX wife XXXX XXXX
Consumer complaint received 2015-11-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I sent an additional payment to Navient with instructions as to how to apply the additional payment. Navient did not follow those instructions, even though I followed their policy by enclosing a separate piece of paper with instructions as to how to apply my additional payment.
Consumer complaint received 2023-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I have reached out numerous times to find answers to our questions on the spousal consolidated student loans. Unfortunately, I have not been able to get the answers I need and am reaching out to you for clarification. 
My husband and I, under the guidance of Sallie Mae, took on a joint spousal consolidation back in XXXX. We have been in repayment since then. We have used a few deferments while off work for the birth of our children and then Sallie Mae sold or was renamed Navient. At that time, in XXXX, we then were told about the XXXX and have been in that ever since. We have paid over XXXX payments over the years and that is just since XXXX. I have no idea or can I find out how to find the number of payments we have made before that time. He graduated in XXXX and I was XXXX. 
Now, as you can imagine our loan has grown significantly since we have been on the IDR plan but I was very excited to see the new counting strategy. And then I come to find out because our loans are FFLEP we are unable to have the recount without consolidating into Direct Loans. After speaking to FSA, I was just informed joint spousal consolidations can not consolidate to Direct Loans before XXXX because they would have to be split first and this process has not been figured out. We have been paying on our school loans since XXXX and are still paying. I understand completely they are not paid off but I also know there is a 25-year limit. Unfortunately, since our IDR did not start until XXXX, we are now being told we are still going to pay until XXXX? On my Navient acct it says we started paying in XXXX. The person on the phone said XXXX is the count start? This has me completely baffled and I would like to know what to do from this point on. 
We now have three daughters in college and also have a PLUS loan out which we will be starting payments as soon as the freeze is over. I would like some sound advice for our own selves and also for my daughters and their future loans because as of now I feel both Navient and Sallie Mae have led me in the wrong direction in so many different ways. Our payoff amounts are less than the accrued interest on the loans and much more than the original loans. I understand accrued interest but the timing and recount I do not. Thank you in advance and please forward to anyone who can help. Please call with any questions. XXXX or email XXXX XXXX
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

This complaint is about Navient. www.navient.com. 
This loan in in my daughters name with the complainant who is the parent and cosigner. 
My complaint is : 1. unfair interest charges I understand that interest is charged daily, how can a additional payment a day later have multiple days interest? Furthermore, the payments can not be be directed to pay off he smaller account or be directed to principle only. In a XX/XX/2016 and XX/XX/XXXX phone call to Navient, I asked for a detailed analysis explaining my account, exactly how the interest is charged and the agent refused stating it was on the web site. What is there, is not clear. ( Shocking ... ) 2. Multiple accounts still show even though a consolidation was completed ( subsidized and un-subsidized ) and payments or additional payments can not be directed to pay off either the other loans or directly to principle. Multiple accounts means multiple credit account history. If there are XXXX showing on the account summary, I expect XXXX to be reported on. In this case, they state XXXX account and multiple are reported. This is inaccurate reporting. On this matter, I discussed this with Navient that it was showing multiple accounts and that the consolidation should then close out the paid off loans. The Navient CS agent agrees, and states that it really is not multiple accounts, just their way of accounting. Makes no sense. 
I believe this is predatory lending behavior. As a parent and cosigner, I understand what my responsibility is. it appears to me this institution is making this loan nearly impossible to repay. I need your help.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

For the past three months, I have been forced by my student loan servicer, Navient, to make a {$50.00} payment ( each month ) on a loan that I had recently paid off in full ( on XXXX/XXXX/16 ). The reason why I am paying each month is because I missed one payment and it significantly lowered my credit score ( which I work very hard to keep up ). I missed that one payment because Navient added the loan back on to my account WITHOUT notifying me. It is important to note here, that I have ALWAYS been enrolled in auto debit. The auto debit on this particular loan was CANCELLED due to the fact that I had previously paid it off in full ( I have the documents sent from Navient to prove this ). I called Navient multiple times ( wasted hours on the phone with many different representatives ) trying to get to the bottom of why a loan was still listed on my account ( as well as still accruing interest! ) when I had already paid it off. I was told that there had been a " payment reversal '' and that I should check with my bank. Having checked with my bank, ( I even uploaded pictures of my bank statements to Navient ) I tried to explain that clearly there was never any " reversal ''. I never got any money back. What was even stranger, was that there are a whole bunch of payments and reversals listed on my account that I had never been a part of! Navient claims that I was given back roughly {$7000.00} and had paid around {$12000.00}. I told one rep that I had done no such thing and asked him to explain all of that to me and he told me that the payment was paid to a loan that we both agreed was not even one of my loans listed! With that being said, nothing could get done about it. Each time I called, they told me that " it was being investigated ''. It has been three months now! How many more months do I have to keep paying for a loan that I already paid off?! It does n't sound like anyone at Navient is looking into my account and I am very nervous about all the money being moved around when I am not even touching it. I work hard to save my money up so that I can make a large payment every now and then ( that seems to be the only way that I am able to make a dent in my balance ) but, I am too scared to make any more payments on my loans because of this issue repeating itself! I really want to finish paying off the rest of my loans as soon as I can. I find it incredibly frustrating that I have reached out several times to Navient about this and all they want is the {$50.00} payment.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (MA)

XX/XX/XXXX or XX/XX/2016 I opened a new account with Citi through XXXX XXXX, it is a double cash card. I opened this account because they offered a 0 % interest on purchases and balance transfers for 18 months. I recently looked at my statements and noticed that they charged me interest. So I messaged them to inquire why they were charging me interest, and they told me the 0 % offer was only on transfers and not on purchases, that the 0 % offer for purchases ended XX/XX/2016. I asked how the offer could expire on the day I applied and was approved for the card, ( give or take a few days ) and they kept repeating that the offer was for balance transfers. I know they are being dishonest, I NEVER open cards with an interest rate on purchases, especially one as high as they are charging me, 19.24 %. It would n't even make sense to open a card with interest on purchases, as I had many offers with 0 % I did my homework, I looked at lots of cards, and I chose this one because they offered the longest 0 % rate on purchases and transfers. I feel like they are bait and switching customers and I think it is illegal to use such deceptive credit practices.
Consumer complaint received 2015-07-28
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Jvs group (TX)

I received a call on XXXX/XXXX/2015 at XXXX from a collector at JVS Group XXXX a collection company ). He may have told me his name, but I do n't recall hearing it. I submitted disputes to the credit bureaus and also directly to this company on a debt I allegedly owe. I wanted to get validation before I pay the debt as I am allowed under the FCRA, FDCPA. I was told over the phone by this gentleman at JVS Group that I had to talk to him on the phone since the account was disputed, per the law. That is a lie and that is not required under any Consumer Law. The same person also told me that the account was with the clinic, but I never was at the clinic he claims I was, but I did go to the hospital. That same person said he had pictures of me at the clinic, which I took as a threat to pay the bill. The phone call ended, which I believe was because he hung up on me.
Consumer complaint received 2016-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Recovery One, LLC (OH)

Recovery one had a debt that showed on my credit report which I found to be fraud. In first attempts to contact them to even find out where the debt was from they did n't mini miranda me, refused to answer questions or let me speak with a supervisor and then hung up on me. I called back and spoke with a supervisor she lied and said she heard the convo and that he did mini me, which he did after I mentioned it to him 5 minutes into the convo. I advised her he was rude and unprofessional I advised i wanted ti speak with someone higher than her and she said she would maybe try anf have someone call back next week and that didnt set right with me so I hung up. I was in communication with the company the debt originated from after that and they put in an order with recovery one to remove the debt from my report due to fraud as I am attempting to buy a home, and this is the only hold up. It had been two weeks and I contacted recovery one again to see what the issue was, the guy first states that its not in his office he ca n't help and that it will take up to 120 days to be removed I advised I didnt have that kind of time. I asked if i could deal with someone in this office because the other office was rude and unprofessional and he rudely asked what they supposedly did I tried to explain and he said there was nothing he could do and dont know what to tell me. I advised him i want to speak with a supervisor in his office he kept dodging the question and told me he will get me the number to the othet office. Then i advised i read reviews online and the company had nothing but bad reviews he got even ruder and said yeah the thing about debts is noone wants to pay them i advised this is fraud though and i really need it resolved and i understand becausr i actually do student loan collections and he said thats way different i said yes i know because we actually get ourr money. Then i asked him four times for the number he said you know what if youre so professional and know so much about debt handle it yourself and hung up. I tried to call back and couldnt get anyone on the phone.
Consumer complaint received 2015-03-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NJ)

I had a dispute with XXXX over some overcharges on my Invoice. 
They did not want to hear about it so they gave it for collection. 
I finally paid the collection agency the full amount. 
Subsequently XXXX realized they had made an error and sent me a refund check. 
I have been trying since XX/XX/2009 to get this off my credit report and they wo n't do it.
Consumer complaint received 2016-06-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

On XXXX XXXX, XXXX I first became aware that I am a victim of identity theft. I have since pulled my credit files from all XXXX major bureau 's ; Experian, XXXX and XXXX. I have also since been disputing a large number of trade lines with all including Experian. At this juncture, I need to dispute my last fraudulent information reporting on my Experian credit report. Apparently, in XXXX a bankruptcy was filed in someone else 's name and contact information while utilizing my social security number and date of birth. Here is the following information that is showing on my credit file as of XXXX XXXX, XXXX : CHAPTER XXXX BANKRUPTCY FILED : XXXX/XXXX/XXXX CLOSING DATE : XXXX/XXXX/XXXX REF # : XXXX On multiple occasions I have forwarded the necessary proof of XXXX my identity and my current address to help Experian expedite disputing and subsequently successfully removing these erroneous accounts from my credit file. I am again attaching my drivers license, social security card and current bank statement accordingly. 

Thank you for your help up to this point! 
XXXX
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I called XXXXEquifax after I purchased a credit report with IdentityIQ After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXXXXXX Late payment XX/XX/XXXX XXXX  days late will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (ID)

Equifax Credit Bureau not fully investigating the credit dispute regarding a XXXX XXXX XXXX account. It was returned verified which in fact is still incorrect with the other reporting credit bureaus. 

On Equifax Acct # XXXX status is open, but reports Date of Last Payment of XXXX XXXX, XXXX. On XXXX and XXXX, they both demonstrate the same account above as Closed Status, Collection and Charge off. XXXX reports Closed date of XXXX XXXX, XXXX, while reporting a Date of Last Payment of XXXX XXXX, XXXX with no payment history indicated.
Consumer complaint received 2015-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NM)

I ordered a new trailer to be built in XXXX 2014 from XXXX, XXXX, NM. The trailer was not delivered until the end of XXXX 2014. During that time, the dealer, confirmed that my credit rating did not change XXXX times. Equifax is listing that as XXXX different hard inquiries when it should only be XXXX and has lowered my credit rating.
Consumer complaint received 2023-02-27
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. (TX)

I am writing to request your assistance in removing unauthorized hard inquiries from my credit report. I have the right to privacy under the Fair Credit Reporting Act ( FCRA ) and my rights have been violated multiple times under various USC codes. According to USC 1681b, a credit reporting agency can only provide information to a party with a " legitimate business need '' for the information. However, in my case, I did not give any written permission to the credit reporting agencies, to furnish my accounts to any third party. Additionally, USC 1681g requires that a credit reporting agency must obtain written authorization before releasing any credit report to anyone. In my case, I did not give the credit reporting agencies written authorization to release my credit report to the parties who made these unauthorized hard inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (FL)

I am trying to payoff my Seterus mortgage with my savings and requested an online payoff.payoff online. After several days waiting for the quote, I called Seterus. The representative stated that payoff quotes took 7 to 10 days. Not sure why it takes the company so long as I was able to calculate the payoff in 30 seconds ... .. Very upset that I am paying {$30.00} a day in interest while I wait for Seterus to provide a payoff. Makes me wonder if the company is intentionally delaying payoff quotes to earn few XXXX dollars in extra interest.
Consumer complaint received 2016-08-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

I have been dealing with Navient for a year and getting different information from different people is getting exhausting. I spoke with a member of the customer service XX/XX/XXXX for a due date change. He could not help me so he transferred me to another department. I got transferred to XXXX different people that day and no one helped me. I got a call from consumer relations on XXXX/XXXX/2016 to resolve the due date change. They agreed to change my due date effective XXXX/XXXX/2016. He also said that because I had just made a payment, I would not have to pay again for XX/XX/XXXX, and I would n't need to make a payment until XXXX/XXXX/2016. Well ... I got an email XXXX/XXXX/2016 that I was still past due. I called to find out why, and the due date change went into effect for XXXX/XXXX/2016, so according to the system, I was past due. I made a payment on XXXX/XXXX/2016 and the representative informed me that she would pull the call from when I spoke with customer relations for the due date change, and follow-up with me in 5 days with what they heard as to whether or not he did in fact tell me that I would not have to pay anything else from XX/XX/2016-XX/XX/2016. I still have not heard anything regarding this and I do not want to call Navient, because I will only get the run around.
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (OH)

Complaint is against new account Synchrony Bank. Customer Service Number XXXX. This account was opened about one month ago. Through my XXXX XXXX XXXX XXXX. All that was charged was an oil change that should have been XXXX for services rendered. I never received a statement from this bank regarding my account. ON the XXXX of XXXX. I contacted their customer service after speaking with my XXXX XXXX XXXX on the XXXX. When I called XXXX I was told I owed the XXXX again, I was a first time customer. I waited on the phone for a CS agent to discuss this matter for over an hour. I then called the Customer Service Number on the card which was XXXX and was told my balance was XXXX. Boy are these people rip offs and crooks. To put myself on the offensive I paid it with my debit card with their automated system and now they're on the defensive. I want back the difference and since this is the treatment first time callers get I am cancelling the card and the account. I will never do business with this rip off company again. I went on line tonight and found they had 80 complaints with one complaint board and over 1 thousand with the XXXX XXXX XXXX. They need to send proper statements out of customers and quit lying about what they owe. If this is the way they treat a new person like me I'd hate to see what they do to past customers. A lot of them weren't happy about it from what I read I can tell you. I want an explanation of their actions and confirmation that this account is paid in full and " cancelled. '' Thanks CFPB for your help once again, Sincerely, XXXX XXXX ( former Synchrony Bank Customer .
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (TX)

On XX/XX/23 at XXXX pm I called Professional Account Management , LLC ( PAM ) regarding a collection notice I received in the mail. I requested validation of debt to the agent who was assisting me and she stated I needed to contact XXXX ( the company who sent me to collections ). On the collection letter I received from PAM, it states I can request that in writing. She never gave me that option. She just said I need to contact XXXX. The collection agency, Professional Account Management, is legally obligated to provide me with validation of debt since my alleged debt was referred to them for the collection amount of {$64.00}. XXXX 's records do not coincide with mine. I've uploaded pictures stating so. I have made payments. I just received another statement from XXXX today stating I owe {$160.00}.