davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-26
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

My wife ( XXXX XXXX ) and I were having e-mail communication with our lawyer XXXX XXXX, ( XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. # XXXX, XXXX , NY XXXX. XXXX ) ). At that time we were discussing bringing to him a check for deposit into an escrow account in order to secure a house purchase contract. Seamlessly and immediately after the deposit instructions, we got an e-mail allegedly from XXXX XXXX asking us to wire the money instead to -- Bank : XXXX XXXX XXXX XXXX Address : XXXX. XXXX XXXX XXXX. XXXX, XXXX XXXX Beneficiary : XXXX XXXX XXXX Co Address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX Account no : XXXX. 

Since we had been having smooth e-mail communication with our lawyer for days throughout this real estate transaction we felt comfortable complying with that request. Fortunately, fifteen minutes later, my wife saw our lawyer, XXXX XXXX, ( who she works for part time. ) He said that the request did n't come from him!!. Learning this, she went back to the bank ( Citibank, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX ) as soon as she could to cancel the wire transfer. All this occurred within a half hour.
Consumer complaint received 2015-11-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (CA)

AARGON Collection Agency XXXX is now continuing to harass me via my cell phone for a {$150.00} debt that was paid to another agency, XXXX XXXX XXXX XXXX on XXXX/XXXX/2015 through their XXXX XXXX XXXX XXXX XXXX payment website. The original debtor is XXXX XXXX Hospital XXXX. I have already filed a complaint against both XXXX XXXX XXXX and XXXX XXXX Hospital in XXXX 2015 for this very same problem. Please refer to the following CFPB case number : XXXX. Either XXXX & XXXX and/or XXXX XXXX Hospital has now sold this note to AARGON instead of acknowledging the fact that they have been paid as of XXXX XXXX, 2015. I also received a bill dated XXXX/XXXX/2015 from AARGON still showing an amount owed of {$150.00} to XXXX XXXX Hospital. The harassment from XXXX XXXX XXXX has stopped but it seems to me that XXXX XXXX Hospital continues to break the law by trying to collect on a debt that has already been paid for.
Consumer complaint received 2017-04-04
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: TRANSWORLD SYSTEMS INC (FL)

I have XXXX collection agencys trying to collect the same debt I called original company that I owe the debt to and they said that TRANSWORLD SYSYEM INC/XXXX should not be collecting debt however they are reporting to XXXX of the credit bureau they are trying to collect a debt that I do not owe them ...
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

The information they gave me was very wrong and misleading, even though they said I do n't have to pay anything monthly, I 'm still making payments of XXXX a month, but only XXXX shows monthly on my credit profile. I felt this is a fraud and its awesome that you guys are investigating this.
Consumer complaint received 2016-07-10
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MN)

Can not afford monthly payments and XXXXNavient refuses to give me any other option then {$260.00} a month for 5 years. I took out a loan for {$8000.00}, I have a total of Over {$150000.00} in student loans. The payment is unreasonable for the amount of student debt I have. My cosigner is XXXX XXXX XXXX and on social security along with living in subsided housing and they call her repeatly, scaring her because she doesnt understand the process. They call her everyday telling her that I refuse to talk to them when I actually have tried multiple times to make arrangements, recently I made the arrangement of {$260.00} a month just so they would stop calling and harrassing my XXXX XXXX XXXX Grandma.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KY)

I have been stuck in an interest loop with Navient for 2 years ( I started paying on my large loans after consolidating them through XXXX XXXX, which then turned into Navient ). My accrued forbearance interest is XXXX, ( this accumulated because I did not have the money to start making payments on my loans when I graduated at first, XXXX was my servicer at the time and they claimed putting it in forbearance would be appropriate because I could n't make less than a XXXX $ monthly payment, there were no repayment options for me at that time. ). Now I am gaining daily interest on my principal balance which is around XXXX, where in my " repayment plan '' payment is barely covering the XXXX accrued interest on my principal balance. I am making no HEADWAY on my principal balance or my forbearance interest. I have around a total of XXXX in student debt, and it says my term is 140 years??
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IA)

I have tried lowering my payment multiple times with navient however they always tell me a low payment that sounds good to me that I can make and then send me a link. When I go to the link the information never matches and then when I call navient back they act like the conversation that I had with a previous person never happened. I just want a lower payment so I do n't have to stress about being able to have enough money to eat and pay bills. Credit is very important and I hate thinking that I struggle to just stay a float.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

For 7 months, Navient has been incorrectly applying my student loan over-payment. When you choose to pay more than the minimum balance on a loan it gives you the option to either pay down the principal or postpone the due date of future payments. As I am trying to pay down my loans quicker, I always choose to pay principal. I have noticed that the particular loan I am paying extra on is saying that I have no payment due. On further inspection, I have noticed that every over-payment has been charged interest and my next payment is not due until XX/XX/2017. This is exactly what I informed them I do not want to happen with my payments and is causing me to pay more interest than I am obligated to pay as per my loan agreement.
Consumer complaint received 2016-05-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

I had to resign from a very stressful job XXXX XXXX as a XXXX XXXX XXXX woman due to the health issues it was causing me : I had XXXX twice in a 6 month period and was XXXX. Acording to my doctor, I 'm XXXX because of the XXXX and a XXXX that has been plagued with injuries. I was on a low repayment with 1 % interest on private student loans from Navient, but that plan ended 7 months after my resignation. Despite the fact I am XXXX, I am making less than half ( if I am lucky ) than the year before, XXXX pay for health insurance and my expensive perscriptions losing money on the property I was renting and still trying to keep up on other monthly bills all while living with my parents again. I got behind in my payments with Navient, especially since they were expecting almost twice as much money from me. They call me sometimes seven times a day on auto dial- and when I can answer it 's just a pre-recorded machine telling me to call them back later. Well, I have a XXXX and legitimately forget to call them back. They also had the wrong address on file for me. I was finally able to make a payment, and the very next day they started auto dialing me again!!! I feel like that is harassment. I also spoke to someone on the phone the day when I made the payment, she said she would be my account manager and would talk to me next month about other options, such as lowering the total amount I owe by a certain percentage, but today when I spoke to a supervisor, I was told that is not possible because my loans are private, not federal. I want the constant harassing phone calls to stop! I ca n't pay you another payment when a day has n't even passed for me to receive a paycheck! I ca n't answer my phone when I have XXXX children sitting in the room with me learning about the world. This company is so irritating, especially when they are dealing with people paying off loans for education, not clothes or cars, but schooling for people to advance their careers and lives.
Consumer complaint received 2017-01-18
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)

I have been paying my student load for a number of years. I noticed as I began monitoring my credit that the loan amount on my student loan continued to rise every month even though I was making payments for a number of years. When I contacted Navient, my student loan service provider, it was found they had miscalculated the required payment amounts and did not cover the interest amount. I questioned how they planned to resolve the issue and correct the loan amount. They stated the interest would have accrued anyway and that no corrective action would be necessary other than increasing my payment amounts. This made very little sense, as for the years I had been paying the loan amount should have been decreasing. I am now stuck with higher loan debt amount and forced to pay a higher monthly payment.
Consumer complaint received 2017-03-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (TX)

I wish to add my name to the ongoing lawsuit against Navient. The former XXXX took over my already-excessive student loans from when I attended XXXX ( an institution already shut down for defrauding its students, including me ). Navient has continued for years to over-aggressively demand massive payments on these loans which should have been written off already, demanding *multiple* payments of up to $ XXXX on a monthly basis, despite my dutifully sending in a request for forbearance. 

I am the victim of fraud, twice over now, and deserve unconditional relief from these debts. Navient 's greedy harassment must stop.
Consumer complaint received 2015-10-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (FL)

For the past 14 months Selene Finance has not been accurately reporting payments they have received. We have been paying them on time every month, and they have been sending delinquency notices to each credit bureau. They also claim that we owe XXXX dollars when in fact they are holding it in a suspense account and are not applying the funds the way they should. When we call them to rectify the situation, which are monthly calls, we are told it will be 30 days before we see the problem has been corrected. 30 days has come and gone 10 times.
Consumer complaint received 2015-07-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (FL)

I received the response to my prior complaint ( XXXX ) and after reviewing the documents the status of my complaint remain the same. Selene Finance sent the XXXX set of loan modification documents with changes to a few pages. The XXXX set were clearly the ones that were never sent out because not only did the dates reflect it Selene Finance did n't take the time research the title/deed to show XXXX XXXX was no longer listed on the property. The second set of documents that were sent only changed the first page without making all of the changes. The third set reiterates what is obvious about XXXX XXXX. There is no need to mention XXXX XXXX in any of the documents! I have made it clear that XXXX XXXX is no longer affiliated with this property which is something that Selene Finance should have known before they sent out any paperwork. The documents are still reflecting XXXX with the XXXX payment being due XXXX XXXX. I attempted to contacted Selene Finance several times ... the line is always busy! After not being able to reach anyone I returned the entire package to Selene Finance.
Consumer complaint received 2017-03-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The Bureaus, Inc. (TX)

In XX/XX/2016, I became aware of some old collection amounts that were generated from an unauthorized user pertaining to the mentioned account. I was told by local police jurisdiction that not much could be done but that I could file an affidavit stating my case for the purpose of record. 
For the purpose of filing a recorded affidavit and attempting to obtain the information necessary, I spoke to XXXX from The Bureaus collection agency on XX/XX/XXXX and requested itemized charges relating to the time period in question. He said he does not have access to the original information from the creditor. To which I asked, how is it then that the credit bureaus keep reporting that your agency continues to verify the debt? His response was that collection agencies and lenders are only required to verify identity and common and general information. Does n't sound like any verifying is really going on at all? Especially in relation to why I am requesting information. 

Nevertheless, I requested the information. He said he could not oblige me. He was only doing his job but did say he could put a comment in for the record ... and he did. I of course still have received anything as of the time of this comment. 
I have subsequently raised the dispute issue with all XXXX credit reporting bureaus requesting conformity in trying to obtain this information as well. My understanding of the attempt to dispute resulted in nothing more than the bureaus validating common and general information of my identity to validate debt ... .and then subsequently standardized a generic dispute response that " creditor meets FCRA requirements ''. 
This process is broken and unethical and heavily favors the relationship between bureaus and collection agencies, lenders and creditors.
Consumer complaint received 2015-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC (NJ)

On XXXX/XXXX/15, I contacted XXXX to disconnect cellular phone service. At this time I requstested that I final bill be sent to me via U.S. Mail instead of via email. The representative advised me that I would recieve a bill after the end of the current billing cycle which ended on XXXX/XXXX/15. On XXXX/XXXX/15 I recieved a notice from a collection agency. The notice states that " this is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. '' When I called, I was NOT given the same disclosure nor advised that the called was being monitored and/or recorded. She then told me that I owed a completely different balance than what was stated on the notice. Albeit lower, but different nonetheless. I was advised that I was in fact calling " a part of XXXX '' and that it was not an outside collection agency and I would be referred to an outside collection agency as of XXXX/XXXX/15. I informed her that I requested a final bill via mail when the service was disconnected. She " verified the information with XXXX '' and proceded to explain that she will send a bill but the account will still be referred to an " outside collection agency '' on XXXX/XXXX/15. I was not even giving the opportunity to pay the bill before it went to collections.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: IQOR US INC (CA)

Back in XXXX XXXX, I received a lot of calls from Allied Interstate LLC student loan collection agency. They harassed me during work hours to settle this bill. The rep, XXXX stated that I need to get my wages garnished from XXXX to XXXX XXXX and then I would get the default removed and pay {$5.00} for the remainder of the balance of {$3000.00}. However, I called yesterday ( XXXX/XXXX/XXXX ) because the garnishments still continuing and come to find out by XXXX XXXX, they told me that I never paid, my account still in default and I owe them {$3100.00}. They told me that I need to prove that I paid. This is insane. I had my tax return XXXX intercepted ( {$2600.00} ) to pay this loan, wage garnishment, year to end XXXX ( {$2500.00} ). The defaulted loan is {$4200.00}. This company has never shown me a statement of anything and ripped me off. I please need help! I 'm sure I am not the only one out there.
Consumer complaint received 2016-07-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Allgate Financial, LLC (CA)

i submitted a complaint and my Case number : XXXX. Today I received another letter from XXXX and this time the plaintiff is Equable Ascent Financial , LLC. 

I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the XXXX XXXX XXXX offices numerous times. 

I just want it to stop.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MI)

Only XXXX XXXX, 2015, I ordered furniture through Macy 's that was special order which came with a fee of {$480.00}. Then on XXXX XXXX, 2015, I cancelled the ordered and went with the furniture that was n't special order. I was told by the company that I will receive a full refund of {$480.00} within 3 business days. I have called several times and spoke to my sales person and several supervisors at the Macy 's credit department and still I have n't received a credit on my account. Many of the supervisor indicate that they will call me back but do n't. They are n't answering my calls when I call them. I have sent XXXX emails, I have called approximately XXXX times and spoken to XXXX supervisors and each XXXX state it will be credited on my account within 3 days and nothing has been done.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

I have been disputing inquiry 's on my credit file with Equifax since XXXX 2016. I have contacted ever comapny that had an inquiry on my credit file as instructed by a Equifax representative. The rep told me the only way they inquiry 's could be removed was by the company that placed them on there. I contacted each company and none of them showed any record of me by my address, phone number or social security number. They in returned all told me I needed to dispute that with the credit bureaus directly yet the credit bureaus are telling me they do n't and can not remove inquiry 's from ones file. All I continually get from them is the information has been verified and when I ask them how they verified it they send me a letter with general information on there verification process. I have not made any sort of credit request in over 3 years my inquiry 's should be none.
Consumer complaint received 2017-03-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VA)

over the period of several years we have experienced a number of income changes and asked to have loans reduced to income adjusted. Being compensated by 100 % commission, we have had months where the money was not there to make the required payments. Therefore, we have been placed on forbearance numerous times. This has caused the student loans to accumulate to the point of no return. Right now the monthly payment is {$4900.00}. The overall balance as of XX/XX/2016 was {$440000.00} at an interest rate of 7.75 %. This is beyond manageable. I am XXXX years old and will never see this loan paid off. I stay in touch with Navient but they offer NO assistance other than " we can put you in forbearance ... I need help and have nowhere to go. This debt has been accumulated from loans taken to educate our XXXX children. No school or provider was ever interested in any type of student aid. This was the only option.
Consumer complaint received 2015-08-22
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 entered into a payment plan with Navient. It was agreed upon that I would pay {$510.00} on the XXXX of every month. Yesterday, my credit monitoring service notified me that Navient is reporting that I am over 60 days late on payments with XXXX accounts. As a result, my credit score took a drastic drop. Not only have I not missed a payment, they have been paid on time and I have my bank statements to prove it. While on the phone with Navient today, the gentleman on the phone told me the purpose of the repayment program was to help me, but instead it is hurting me. What 's the point of making payments if will still be reported late?
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MO)

I have been making a payment with Navient from XX/XX/2009 to XX/XX/XXXX. I have paid over {$22000.00} and My balance has only decreased {$6000.00}. I have to sit on a call with a Navient Representative for over a hour for them to tell me all of my expenses. Once this call is complete I they tell me well your payments are going to go up. I tell them every year I ca n't pay this amount. They tell me that I took the loan out so I have no other Choice.I told them when I took the loans out I was under the impression that I could consolidate my loans now I ca n't Private loans do n't qualify. I cry every night because it 's a nightmare. They want provide me the paper work that I am signing up. I give them dates o take the payment out and its never the same.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

I have had student loans through sallie mae sold multiple times and now handled by Navient. Have been out of college 15 years and still have a large balance. These should have been paid off by now. When I try to contact Navient i get nowhere. 
I want to know how to get a history on my repayment and why this is not close to being done. 
Thanks you, XXXX XXXX
Consumer complaint received 2017-03-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

Navient has now stopped taking credit card payments as of XX/XX/2017. They only except payment through a bank account and debit cards. This makes it more difficult to make a payment if I need to use my credit card one month.