davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

Date Description Principal Interest Fees Total XXXX/XXXX/XXXX PAYMENT ( {$83.00} ) ( {$170.00} ) {$0.00} ( {$250.00} ) XXXX/XXXX/XXXX PAYMENT ( {$84.00} ) ( {$170.00} ) {$0.00} ( {$250.00} ) XXXX/XXXX/XXXX DISBURSEMENT {$1100.00} {$0.00} {$0.00} {$1100.00} XXXX/XXXX/XXXX PAYMENT ( {$78.00} ) ( {$140.00} ) {$0.00} ( {$220.00} ) XXXX/XXXX/XXXX PAYMENT ( {$28.00} ) ( {$71.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$40.00} ) ( {$59.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$40.00} ) ( {$59.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$18.00} ) ( {$81.00} ) {$0.00} ( {$100.00} ) XXXX/XXXX/XXXX PAYMENT ( {$38.00} ) ( {$190.00} ) {$0.00} ( {$230.00} ) XXXX/XXXX/XXXX PAYMENT {$0.00} ( {$71.00} ) {$0.00} ( {$71.00} ) XXXX/XXXX/XXXX CAPITALIZED INTEREST {$0.00} {$0.00} {$0.00} {$0.00} XXXX/XXXX/XXXX PAYMENT ( {$49.00} ) ( {$150.00} ) {$0.00} ( {$200.00} ) Total Current Balance : {$89000.00} Loan Current Balance Interest Rate Due Date XXXX DL Consolidated - Subsidized {$35000.00} 6.250 % XXXX/XXXX/XXXX XXXX DL Consolidated - Unsubsidized {$46000.00} 6.250 % XXXX/XXXX/XXXX XXXX Direct Parent PLUS {$5100.00} 6.310 % XXXX/XXXX/XXXX XXXX Direct Parent PLUS {$1100.00} 7.000 % XXXX/XXXX/XXXX
Consumer complaint received 2022-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Corpra Care, Inc. (TX)

On XX/XX/XXXX, a robo caller voicemail message stating the following : Hello this is an important message for XXXX XXXX not XXXX. This is not a sales or marketing or sales call. Please call us toll free at XXXX when you call, please quote your reference number XXXX Thank you have a nice day. No mention of the collection agency name! 
The collection XXXX is XXXX XXXX XXXX. XXXX is : XXXX XXXX XXXX waited XXXX  years or XXXX XXXX did not send it for collection until XXXX  years later. I did not receive any statements. 
On XX/XX/XXXX, After returning from XXXX XXXX XXXX, I started returning any voicemails I have. I called and got the same lady before stating another statement for payment but did not acknowledging the payment arrangements. 
On XX/XX/XXXX, I receive a call and spoke to the Office Manger ( not sure but think her name is XXXX in the conversation I was told a statement was mailed in XXXX. If I'd received the statement, I would have quickly made arrangement to pay the bill or pay in full. So, she sent one via email then I called to tell them what amount of the payment I could make. She tried to bully me and threaten me with Collection efforts so I told her those tactics would not work. Later we were able to discuss payment arrangement ( she agreed to ) and told me she would notate the account. I am receiving XXXX XXXX which is a fixed income and will not commit to payments I can not pay. well, I had an appointment with XXXX XXXX for my XXXX XXXX XXXX and decided to call first. I spoke with the Front Desk Person, so I explained payment arrangement were made with the Office Manager. She said let me ask the doctor and I was placed on hold over XXXX mins. I felt the long hold was for me to hang up and she knew my appointment was in an hour. In addition, she knew I would not have time to get to the appointment. She says XXXX XXXX said he would not see me without paying {$50.00} that {$10.00} as agree was sent to them. 
I will request XXXX to send that statement to me. However, if there is a charge for the XXXX archive statement, XXXX XXXX 's office will need to pay it.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (FL)

I went to XXXX XXXX for XXXX and being that I worked in the morning I went to evening classes. Only to find out there was only a teacher there to teach me 2 days out of the 5 day week. I 'll be thrown into the lower level classes to watch them do the SAME thing I just passed. It was n't fair! I feEl that school took my money for the loans and I do n't think I should pay that back. I started in XX/XX/XXXX and left in XX/XX/XXXX.
Consumer complaint received 2022-08-24
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: FactorTrust, Inc. (TX)

XXXX Factor Trust you stated you never heard of me till I filed a dispute I quote FACTOR TRUST The alternative credit bureau that's on your letter head Telling the CFPB that you never heard of me will here is proof enclosed I enclose two copies of credit freeze from you, and you are reporting to XXXX you violated my rights, lied to the CFPB in your statements that you do not Freeze reports. CFPB please look in to this, documents enclosed, XXXX owns FactorTrust which is owned by XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TN)

Navient is overcharging me in interest. I was told by a rep. that my interest is forgiven because I 'm on income based repayment loan. I asked them several times what can I do to lower my loans and interest. Unfortunately, they told me that there 's no way but to continue to make payments. I 'm a XXXX that recieveshe no government assistance and can barely survive. I need help please.
Consumer complaint received 2016-06-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I cosigned, against my better judgment, on my fiancs private student loan. He has been making on time payments, so I decided to try and get myself released as the cosigner. We have a baby and live in an older house and was recently tested positive for lead. I was trying to get approved for a mortgage, but the lead test has increased my urgency to move. This private loan is adding to my " debit '' that I pay/owe when I apply for a mortgage. We downloaded the release form from the Navient website. It required the form be completed, paystubs or W2 's be sent along with proof of graduation. All of the required information was sent. The requirements included XXXX consecutive on time payments of both the principle and interest. We waited a month and called the customer service line after not receiving any information. The rep told us we were denied based on not having XXXX consecutive on time payments. I asked what months were we late, because neither myself or the borrower were aware of us being late. We were transferred to XXXX reps and finally were told that we were late in XXXX XXXX and XXXX XXXX. The rep explained that his payments were due on the XXXX and you had up to XXXX days after that to make a payment. Those two months were not late but they were after the XXXX day mark. This is why I was denied being released from being a cosigner. I have an issue with this for XXXX reasons. First it does not say on line or in their release paperwork that you only have to pay up to XXXX days after the due date or you cant be released. It only says you have to make XXXX consecutive on time payments. Those XXXX months of payments were not late and they were on time. I feel that this is very misleading of them. Most companies have a 30 day grace period before something is considered late or before they add on late payments. My fianc took this loan out so that he could attend XXXX XXXX. He was never able to find a job in his field and none of his credits transfer to a XXXX college or university. He basically paid a lot of money for nothing. If he wanted to get his bachelors he would have to start all over again even though he has this degree from XXXX. Wasted time and money. And now this is hindering me being able to get a mortgage.
Consumer complaint received 2016-08-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX # XXXX This debt was a result of a dispute between my family and the apartment complex lived in approximately two years ago. Because of the circumstances surrounding the cancellation of the lease the original client request for this case to be closed with the collection agency. The collection agency closed the account at the request of the their client but failed to remove it from my Experian credit report.
Consumer complaint received 2022-06-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLIANT CREDIT UNION (OH)

I have tried to an set up online payments with Alliant credit Union and was told they needed to get the ok from my husband in order to do that. I am fully on the loan, fully responsible to make timely payments and it is on my credit report. I should not have to get the ok from anyone in order to make payments on a loan I'm responsible for.
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NJ)

I have been out of school for quite some time. At the time, my father was handling my loans, and he did not understand what he was doing. He had access to my social security, and my only job was to go to college. He was n't given correct information, and they also over borrowed and gave him more than what my school actually cost. He truly believed he was helping me by taking on such risky loans, and I received over XXXX calls to switch my loan servicing company until I was scammed into what I am paying right now.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OR)

I took out a parent plus loan so my daughter could attend XXXX XXXX of XXXX XXXX. When the loan was taken out I was told by the financial aid director that the checks will be sent directly to them due to problems in the past where they never received the money from past student that decided to not attend. XXXX XXXX XXXX financial aid director said that she would send me a check for the amount I took over school cost to pay myself back for purchasing my daughter 's XXXX. She said XXXX would need to complete so many hours before she could send me the money ( ca n't remember # of hours ). She did n't advise me of the name of the loan holder I would be going through. I got a few emails saying I owed Navinet over {$700.00} and need to pay right away. The emails did n't say what school they were for, so I figured tahey were some type of scam. I think I got a few possible calls from Navinet but still I felt this was a scam. Then in mid XXXX I received a letter stating I was going to be sent to collections. Even on this letter the school name did n't appear. I asked my daughter if this was who she had her loan through. She advise me it was not her lender. I decided to call to see what this was all about since they keep on trying to contact me and also said I would be sent to collections. When I called I spoke to XXXX, I asked if this was the loan for my daughter 's XXXX. She advised me I was behind {$770.00} on the loan for {$17000.00}. I asked why the loan owed was that amount when my daughter only attended for 6 months was on XXXX for 6 months then forced to withdrawal due to a medical condition. She proceeded to tell me that they sent me the check for the amount of my loan. I told her I never got the check that is was sent to the school. I asked what address they sent check to? She gave my home address XXXX XXXX XXXX XXXX XXXX XXXX. I told her that was a lie. She said they only pay check to the borrower. I told her that they never sent me the check. Also I never cashed a check from them. I only got a check from the school after for the amount I borrowed to pay myself back for her XXXX I asked for copy of front and back of check. She put me on hold then told me they were n't allowed to do that, they could only send it to the borrower. I said I am the borrower, and they are legally able to provide that to me. She said get copy from the school. I said if check was sent to me and cashed by me why would the school have copies. I told her they did send it to the school directly and not to me the borrower. She argued with me it was sent to me. I asked why they would send the full amount of the loan when she was only attending for 6 months plus the school also took money from my daughter 's loans she took out. I asked for a supervisor she refused to do so each time I asked. I got tired of arguing with her and said I was out on a XXXX and unable to pay at this time. She set up a forbearance to hold my payments until XXXX 2017.
Consumer complaint received 2017-04-27
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

Experian has delayed removal of a default judgment reported on my credit report and made it difficult to submit supporting documentation online. Now after working on this matter for over 30 days, they have informed me that I must mail in my supporting documents thus delaying the corrective action even longer. I am in the middle of purchasing a home and need to have my bank prequalify a purchase but am required to work with Experian to fix the misreported information before moving forward with my loan approval process.     Thank you for your help to resolve this issue with Experian.
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (CA)

I have had a mortgage with CitiMortgage for about 7 years.I have always made payments on time.  The monthly statements I receive donot show any late fees or past due payments.When I call in to post payment by phone,  the total due is about double what my monthly payment is.  I have contacted CitiMortgage in XXXX 2017 and provided them the last 18 months of payment confirmations in the form of their confirmation #'s or check numbers that have processed.I received an e mail back from them on XXXX XXXX 2017 indicating they have received my information and are looking into it.I have not heard back from them as of today, XXXX XXXX and the account still shows a past due payment.  They continue to add late fees while not responding or finding the error.What is the role of CFPB?  Will it simply forward this information to CitiMortgage and expect them to do something?Please advise if I can provide any additional information, thank you.
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NC)

I had a contract with  XXXX  that initiated on  XX/XX/XXXX . After having  XXXX  services performed, I noticed my lawn deteriorating. I reached out to  XXXX  and expressed my concerns. They blamed it on our lack of rain, although I had been watering the lawn myself and incurring the additional expense on my water bill. On  XX/XX/XXXX  I called and spoke with  XXXX  at  XXXX . I informed her that I wished to discontinue my agreement with  XXXX  because my lawn looked much worse than when I started. She assured me that my account had been noted and that no additional charges would be made. The area manager,  XXXX   (   XXXX  )  XXXX  called me on  XXXX  and said that he was sorry for the poor service that I had received and that he was going to come and evaluate my yard to see if there was anything they could do to win back my business. He said that he would remove the unauthorized charges from my account. As of today  (   XX/XX/XXXX   ),   I have never seen or heard from them again. I am now receiving collection notices from Transworld Systems for the {$230.00} amount. I have written to them explaining all of this, however they continue to attempt collection. I do not want this to tarnish my credit. PLEASE HELP
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

ON  XXXX   XXXX ,  2017 I P URCHASED AN ITEM FROM HOMEGOODS AT  XXXX  FL FOR {$98.00} USING  TJX REWARDS/SYNCHRONY  BANK CREDIT CARD ACCOUNT NUMBER  XXXX   XXXX   XXXX   XXXX . ON  XXXX   XXXX ,   XXXX   I PAID ONLINE THE BILL IN THE AMOUNT OF {$98.00}, THE RECEIPT OF WHICH WAS ACKNOWLEDGED IN TJX REWARDS BILL WITH STATEMENT CLOSING DATE OF  XX/XX/2017    WHICH SHOWS A NEGATIVE " NEW BALANCE '' O F " (  {$96.00} ) ''. HOWEVER, IN TJX REWARDS BILL WITH STATEMENT CLOSING DATE OF  XX/XX/2017   , THE BILL CONSIDERED THE PREVIOUSLY PAID " {$96.00} '' TO BE UNPAID, TACKING THEREON A {$25.00} LATE FEE AND AN INTEREST CHARGE OF {$2.00}, MAKING AN ALLEGED NEW UNPAID BALANCE OF {$120.00}. ON  XXXX   XXXX ,    2017, I WR OTE SYNCHRONY BANK DISPUTING THE AMOUNT OF {$120.00} STATING THAT IT IS CONVERTING " MY NEGATIVE BALANCE '' INTO A " POSITIVE BALANCE '' AND CHARGING ME THEREFOR " A LATE FEE OF {$25.00} AND AN INTEREST CHARGE OF {$2.00}, MAKING IT APPEAR THAT I OWE A TOTAL BLANCE OF {$120.00}. '' TO DATE, I HAVE NOT RECEIVED ANY RESPONSE FROM SYNCHRONY BANK. INSTEAD, I HAVE BEEN RECEIVING  DUNNING TELEPHONE CAL LS AND EMAILS FROM THE BANK. AS I HAVE STATED IN MY  XXXX   XXXX ,    2017 LETT ER TO SYNCHRONY BANK, " I BELIEVE THIS IS WRONGFUL AND SHOULD BE CORRECTED AND STOPPED IMMEDIATELY FOR THE PUBLIC 'S PROTECTION. '' PLEASE LOOK INTO THIS MATTER AND ADVISE ME OF THE RESULTS AS SOON AS POSSIBLE. THANK YOU.
Consumer complaint received 2017-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (FL)

on the XX/XX/XXXX jcpenney a hard inquire on the XX/XX/XXXX XXXX XXXX hard inquiry on the XX/XX/XXXX XXXX those are hard inquires from my XXXX i did not authorize i lost my wallet and all my personal information was in there and someone used my info. 
same with origententant i guess someone tried to apply for an apartment in my its also on my XXXX and XXXX
Consumer complaint received 2017-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

I had a student loan that was invalidated by the State of Wisconsin due to XXXX 's corrupt business practices. Navient was supposed to erase the loan and remove it from my credit score, but they are still adding interest and using it against me. Further, when asked to provide proof of the loan, Navient submitted a digital file that did not have my signature but was something anyone could create using photoshop.
Consumer complaint received 2017-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

I selected to engage in a forbearance prior to my son 's birth in XX/XX/XXXX. After my son 's birth and my maternity leave I wanted to resume making loan payments, however I have been engaging in almost 2 years of attempting to apply for a REPAYE plan and despite contacting FedLoan Servicing on a nearly monthly basis my application for this plan have been denied. I have wasted months of forbearance while awaiting my approval for the REPAYE, which I have been told over and over again I qualify for. Every time I speak with a customer service representative I receive misinformation, erroneous information, differing suggestions about how to apply, and confusing directives about the certification process. My most recent application was denied due to missing tax returns ( which were in fact included and were sent via fax ) along with a need for verification regarding a name change. I have been making payments since my husband and I were married in XX/XX/XXXX and this is the first time I have been asked to provide information proving my identity, as a result of a name change. This saga with FedLoan servicing has been ongoing since they began managing my student loans. I am disappointed that with such a significant financial burden I continue to receive the " run around '' regarding certification and eligible payment plans until I qualify for Public Service Loan Forgiveness.  It is critical to note that I am state employee employed as social worker and would absolutely qualify in 3-6 years, had I not been forced to utilize forbearance while FedLoan continues to mistakenly deny my request for an Income Driven Repayment. I am incensed and disillusioned by the behavior and incompetency of FedLoan Servicing, which is well documented and continues to go unaddressed.
Consumer complaint received 2017-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX   XXXX  claims they are servicing a loan for   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX . The Bank  XXXX   XXXX   XXXX  was conveyed  a Trustee 's D eed on  XXXX   XXXX . The   XXXX   XXXX   XXXX   XXXX    XXXX  filed a Forcible Entry and Detainer Suit in  XXXX .   XXXX   XXXX   XXXX   XXXX    XXXX  was awarded Judgment of Possession in  XXXX   Court and County Court i n  XXXX . I filed a lawsuit to enjoin  a Wrongful Post-foreclosure eviction. On  XX/XX/XXXX  in open Court,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   advised the Court they would not   eviction me during the pendency of the lawsuit. This lawsuit is currently pending in the  XXXX  District Court,  XXXX  county Texas.     On  XX/XX/XXXX ,  XXXX  's attorney admitted in  Open Court they  were only responding to a dispute letter. They had sent me no default letter, noti ce of Acceleration, or notice  of foreclosure. However, my credit report shows I 'm delinquent.