davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I have XXXX loans with Navient which at any time I have put a forberence on them or allocated them to XXXX monthly payment they have been done in error. There is always XXXX, XXXX or XXXX that have been left off the forberence or allocation. I actually allocated them down to XXXX payment in XXXX of XXXX for the a month of {$110.00} for all XXXX loans ; but started receiving calls beginning of XXXX XXXX. When I finally got ahold of someone at navient and questioned why they were calling it was because 'one of my XXXX loans was past due '. How could that be though?! I allocated all XXXX having made the first monthly payment myself online, with no autograft, in the amount of {$110.00}. Ironically they were deducting almost {$11.00} less from my agreed monthly auto draft therefore making me late on XXXX of my loans. What 's even more ironic is this exact same thing happen to my significiant other. He allocated all his loans a XXXX, in XXXX started receiving calls that XXXX was late.
Consumer complaint received 2016-10-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Works & Lentz, Inc (OK)

XXXX XXXX Hospital billed for XXXX. Between my XXXX insurance carriers, they received payment for the full amount allowable under the contract with my insurance providers. The hospital sent me a bill for the balance, which I disputed. I received one other statement and no further communication, until last month. I received a letter from an attorney 's office regarding the {$600.00} balance. 
I was never given written notice of any plan to submit this amount to collection or to an attorney 's office. The amount I am responsible for was approximately {$60.00}, as reflected in the EOB.
Consumer complaint received 2015-06-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Penn Credit Corporation (PA)

I get a Robo call from XXXX at least XXXX times every day for the past month. It concerns a supposedly debt with XXXX, but I called XXXX and that debt does not exist. If I return the call, I 'm just presented with an automatic message about where to send payment and no human ever answers. This harassment has been going on for months.
Consumer complaint received 2017-03-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

Navient is telling me that I need to pay the full monthly amount and has not offered me anything to lower the monthly bill which is far out of the realm of affordability. I asked if I could speak with someone about programs so she connected me to another service rep who told me that I would not be able to look into a program until the same day that my monthly payment is set to go up. Then she gave me a date in which my payments would go up which did n't match the date given on my paper bill I had in my hand. they will not allow me to make any changes until the date that it 's supposedly do but by then, according to the paper, it will be two months of insanely high payments that I ca n't afford. So basically I was offered no sort of help. I then asked to transfer the payments to my own bank card rather than my cosigners account and was told that I could not do that either. Should n't there be an income-based repayment option offered? For years I was talked into forbearances without ever being told I can do an income-based payment. I 've been paying for almost 10 years and my loan is almost {$13000.00} more than what it started out as. This is so wrong. Never mind the fact that I signed these loans as an XXXX-year-old kid not having a clue what the real world was like. at that point I did n't realize money did n't grow on trees, and I did n't realize these huge amounts of numbers were going to give me financial ruin for the rest of my life.
Consumer complaint received 2016-04-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I recently received a letter from Navient informing me that my loan terms had changed. Navient, without my consent, automatically changed my repayment plan from a 15-year plan to a 25-year plan. The change to a 25-year repayment plan would have more than doubled the amount of loan interest I would have had to pay Navient. What concerns me is Navient did this without my consent. If I had trouble making payments, and called Navient to extend my terms this would not be an issue. However, for someone capable of making the payments, and even being able to pay off the loan in full this is very disturbing. Student loan companies should not be able make such changes without getting written consent from the loanee prior to changing loan terms. I find Navient 's practice deceiving and harmful to the consumer.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

Made payments with minimal reduction on the principal. The current principal amount is higher than the month prior after making a payment. Also receive conflicting information When discussing lower payment options with customer service. Forbearance was recommended when we were having trouble making the monthly payments instead of lowering the monthly payment amounts or lowering the interest rate.
Consumer complaint received 2016-09-24
Product: Money transfers — International money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (CA)

I used PayPal to send {$1500.00} to cover a {$1500.00} plus PayPal Fees. When paypal sent notification of the payment, I learned that I did not send enough to cover XXXX fees. I I called the PayPal customer center within 6 minutes of the transaction to cancel the transfer. Note : In the confirmation email sent to my by PayPal they stated that you can cancel within 30 minutes ( Need to cancel? 
You can cancel your payment within 30 minutes as long as the recipient has n't received the payment. For a full refund, see the transaction details and select Cancel, or call Customer Service at XXXX. ) When I called the customer service number provided they informed me that no matter what the email states, I could not cancel the payment. 
PayPal gave me a false sense of security by stating I had up to 30 minutes to cancel and when I called 6 minutes from the transaction they informed me that no matter what was said on the email confirmation they could not stop or cancel my cash transfer
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MI)

I have about 13 private student loans with XXXX ( Currently, Navient ). Back in XXXX XXXX advised me that in order to get on a payment plan I needed to default on my student loan before they would offer me a lower payment. I was willing to pay what I could. At the time I was single and making {$10.00} an hour. They were asking me for {$1300.00} a month for student loans, I said I would pay something more reasonable but that was more than I was bringing home bi-weekly. So I started off by paying what I could after living expenses. 
They ordered me to default for 3 months and then call back to get on a payment plan. Which has ruined my life. They reported this to the credit reporting agencies and this has ruined my chances of becoming a first-time home buyer. After allowing me on a reduction rate plan, even after making my payments on-time for consecutive three months, they still reported me as delinquent to the credit reporting agencies. 

Being on the repayment plan I have made all my payments on-time for the past 4 years but due to the negative reports in XXXX and XXXX I am unable to purchase a home or anything because it appears that my credit is still suffering from those delinquent reports. While on the repayment plan I also discovered that they were charging me a late fee some months and inaccurately reporting to the credit bureaus. 

All of my student loan accounts were on the same payment plans and on my credit report they all reflect different delinquency dates. I reached out to Navient regarding this matter a year ago and they still did not correct the errors on my accounts with each and every credit bureau that they falsely reported information to. When I first started the re-payment program their automated dialer was calling me for weeks even after I had spoken to agents insuring all my loans were on the payment plan. The automated system called me for weeks saying I was behind on my payments, in which I was current and enrolled in their rate reduction plan. This has caused me so much grief and distress, trying to get them to report my information correctly.
Consumer complaint received 2016-01-18
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc (GA)

PayPal has " simplified '' their PayPal Credit process to the point that it 's very difficult to understand that XXXX is applying for credit. I was assessed a {$25.00} late fee on an account that I did n't even know I owned! They cite terms and conditions ... but the real issue is that their process is so frictionless that it 's hard to know it 's there ... .it 's not about T 's & C 's. I have closed my credit account ( and my wife closed hers ), and filed a complaint with them. But it seems to me that the seedy operations for which you have already fined them is continuing.
Consumer complaint received 2016-02-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: CL Holdings LLC (VA)

JEFFERSON CAPITAL SYSTEMS repeatedly continues to re-age a debt that have been disputed for years. When it is removed from XXXX credit reporting agency it is placed on another. This company have never every sent any documentation to me to alert of a debt prior to posting. 

I have repeatedly told the credit bureaus that this company never provided written documentation prior to reporting this debt. 

This is a form of harassment and each and every time this company, JEFFERSON CAPITAL SYSTEMS list this debt it cause my credit score to drop, sometime XXXX plus points. 

This company is attempting to completely ruin my life and my credit and they have no right to do so. 

I have never received any written documentation from this company about this debt. Nor do they notify in writing the many times they have placed the deb on all three credit bureaus. 

This is outright harassment to just continue to place the debt on credit reports because you can with no sense of or understanding you are causing the individual 's credit to plummet each time. 

It gets removed from one account and moved to another. I believed since XXXX 2015, this account has been place on all XXXX credit bureaus and some more than once after being removed. Therefore if the account has been removed time and time again it has to be a case that needs someone to look into it and understand why this is happening.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

I was seeking a income sensitive deferment, but Navient kept telling me that I did not qualify. Now I have a volunteer deferment which I know will probably be {$600.00} at repayment. They offer no help at all. I attended XXXX XXXX University where I acquired these loans
Consumer complaint received 2021-01-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

COMPLAINT AGAINST WELLS FARGO AND XXXX XXXX XXXX XXXX XXXX XXXX Amortization period for the loan was extended from 360 months ( Loan maturity on XX/XX/XXXX ) to 480 months ( that is Loan Maturity on XX/XX/XXXX ) .But SLS state the loan maturity as XX/XX/XXXX ; instead of XX/XX/XXXX to create a fraudulent fictitious balloon amount of {$380000.00} added to the current loan of {$610000.00} because they used 360 months maturity to amortize the loan contrary to the 480 months, which they claim falsely is the new amortization period ( see page 54 of attachment ) I do not see how this is a Mortgage Relief Option. To address an unpaid arrears of {$100000.00} ; XXXX introduced a fraudulent fictitious balloon amount of {$380000.00}. 1.Wells Fargo and XXXX should be directed to remove the balloon amount of {$380000.00} to be a truly a mortgage relief to enable me commence the trial period commencing XX/XX/21. It is fraudulent for Wells Fargo and XXXX to state the maturity date as XX/XX/XXXX. This date is a strange introduction and has no basis. Wells Fargo and XXXX should harmonize the maturity date of XXXX and amortization period of 480 months. 2. I did not apply to increase my financial burden and lose my home. Am I being maltreated because I am minority and XXXX? I never contracted any loan from XXXX. They were imposed on me by Wells Fargo as Servicer. Wells Fargo manipulated my loan accounts and expect me to accept their fraudulent practices without seeking for fair and equitable resolution. 3. If I can not get fair and just intervention from CFPB, I will engage my representatives both in the House and Senate to help me out ; and the courts. I am aware a good number of XXXX and minority home owners have dispossessed of their homes fraudulently ; and sold for pennies to XX/XX/XXXX. 4. Minority interests and XXXX people should also be considered and not serially and continuously abused. cc. Senator XXXX ; Mrs. XXXX XXXX ( Chair, Financial Services ; Senate Majority Leader ; Senator XXXX ( NY )
Consumer complaint received 2016-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (SD)

Our Parent Plus Loans are serviced thru Navient Student Loan Center. I should be eligible for a 6 month payment waiver as of XXXX XXXX for making all payments on time. I contacted Navient for this benefit, and was told I did not qualify as in XXXX of XXXX a payment was not made? I told them that at that time a payment was not due as the loans were paid ahead. I had been paying {$450.00} - {$500.00} per month on the normal {$310.00} payment for several months. I thought everything was ok, until now when requesting the payment waiver. They are saying I am not eligible, a supervisor looked at it, and that was only a promotion and is no longer available, The thing that frustrates me is I was never told this, plus in XXXX XXXX I was told not to pay the loans ahead or they would not be eligible as they would payoff early. I switched the loan payments from {$350.00} back to {$310.00} as you can see on the payment history. Please help me understand how my loans paid ahead were delinquent and ineligible. Thanks for looking into this.
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

I have been a victim of Identity theft since XX/XX/XXXX. I have sent police reports and letters to all the Credit Agencies ( XXXX, XXXX, and Equifax ). All credit bureaus have remove fraud information from my credit except for Equifax. I have filled over XXXX different disputes in the pass couple month trying to get my credit fixed so I can get my life back. I dont have a simple checking account to this day. Because Identity theft has left my name and credit torn to shreds and it sickening having to deal with a Credit Bureau who are not will to help when they have all the supporting document they need to remove this fraudulent infomation. Please help me. I dont know what else to do. Equifax disputes in the past couples month ( XXXX ). That is fraudulent information needs be removed ASAP and their company needs stop allowing fraud info to be added to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported XXXX XXXX/XXXX/XXXX Monthly Date Closed {$1300.00} XXXX/XXXX/XXXX XXXX Status Charge Off ; Type of Account Revolving ; Type of Loan Charge Account ; Whose Account Individual Account ; ADDITIONAL INFORMATION Consumer Disputes *Department of Treasury ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXX Date of {$670.00} XXXX/XXXX/XXXX XXXX *XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX : XXXX XXXX ) XXXX Date Reported XXXX XXXX/XXXX/XXXX {$650.00} XXXX XXXX {$650.00} XXXX/XXXX/XXXX XXXX Status Charge Off ; Type of Account Open ; Type of Loan Deposit Related ; Whose Account Individual Account ; ADDITIONAL INFORMATION Consumer Disputes Thank you, XXXX XXXX
Consumer complaint received 2016-06-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

On XXXX XXXX, 2016 Experian credit report is reflecting incorrect account information which is old and has already been paid off since XXXX XXXX, 2016. I have made contact but was told this was the most recent account information that was being received by the Creditor as of the date of the report. I have spoken to a representative at Experian to dispute the item. She advised me to upload the supporting information reflecting account paid. I attempted this function for 2 days and finaling mailed all copies to support my account being paid in full with tracking from the mailing service. This information is going on 4 MONTHS OLD AND DOES NOT ACCURATELY SUPPORT A TRUE CREDIT REPORT OR CREDIT SCORE. As of today, I have not received a response back from Experian but I do expect a response since notification has been received the supporting information I mailed has been picked up by a person from the XXXX XXXX .
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Billing statement — 
Company: DISCOVER BANK (TN)

Discover card is deleting records that can disprove the balances owed on their accounts. After 10 years of paying about {$200.00} a month on my account there is no reduction in my balance. I began to research this account to find out what the initial balance was as well as an accounting of how and what charges was I still paying for but was unable to find that information out because those records were inaccessible. I was lulled into trusting discover When I began this investigation I pulled up records that showed a beginning balance but no purchases only an unchanging balance. My credit limit is higher but I do n't understand how I arrived at the current balance. I saved the statements that were available at first but when I went back to review them a few days later they were not available. I reported this to XXXX. But got nowhere. For the last four years I have paid about XXXX $ a month with no change to the balance. I feel as if I am an indentured servant. Please help.
Consumer complaint received 2022-10-01
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. (TX)

I am appalled by the lack of responsibility on the Credit Bureaus behlaf. When will the Credit Reporting Agencies going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please remove the disputed account : The Account XXXX XXXX XXXX XXXX Balance Owed : {$810.00} was in fact posted as a charged-off account, be sure you let me know precisely why there is a balance showing on the document if it is a charge off? The account balance is actually wrong, make sure you turn it to XXXX  or get rid of the item fully. Please make sure you also produce documentation to verify all the charges and credits of this alleged account that led to the quite high credit number you have exhibited on my record. My demand to supply this documentation is usually a proper information inquiry in accordance with my privileges presented through the fair credit billing act. If you're unable to grant this information per my civil rights demand, you should straightaway erase this particular invalid entry.
Consumer complaint received 2015-10-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NJ)

Had a negative remark on credit reports XX/XX/XXXX. Determined debt was not mine. Originator was XXXX. they sold this debt to XXXX then it went to XXXX. XX/XX/XXXX collection agency XXXX was notified via XXXX XXXX and XXXX XXXX XXXX that XXXX was in error and I did n't have the account in question. XX/XX/XXXX the same debt is now being pursued by ERC-Enhance Recovery Company. I submitted the info to them in XX/XX/XXXX as per documentation from the XX/XX/XXXX events. Now have negative remarks on credit report from ERC. They never replied after XX/XX/XXXX info faxed to them. Just received another letter stating owe money. They have not provided any information that supports that I have any debt owed. They have falsely reported to the credit agencies and are attempting to collect debt which is not mine.
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I have been paying ahead on my student loan, but Navient has not put the over-payments directly toward my balance immediately. Instead, it advanced the due date costing me a great deal of money in accruing interest. I pay by electronic bank. NAvient offers to not advance the due date but only on checks and direct payments through their website. I go through my bank 's website.
Consumer complaint received 2015-10-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (VA)

I requested my bank close my IRA account and refund the money to me. BBT agrees that they owe the money. That was 6 weeks ago, XXXX emails and XXXX phone calls ago and I still have not received my money.