davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

I was pressured into repaying student loans that were in a grace period. At the time I should have started the repayment, I was already starting to fall behind. Now my credit report shows late payments that should have never been payments and XXXX says I only get XXXX grace period for my lifetime. This is convenient for them to say when I have an issue with my XXXX grace period that took place nearly 10 years after the XXXX. I have request documents from 2005 but they have not arrived.
Consumer complaint received 2017-03-10
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)

When trying to reduce my monthly payments I was guided towards forbearance which I was told would not accrue interest due to my circumstances at the time. My monthly payment want up from under 500 a month to nearly 700 a month.
Consumer complaint received 2016-12-09
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (IL)

While looking at my credit report I noticed the name Navient XXXX. I called the company on XXXX XXXX, 2016 as I had never heard of them and wanted to get to the bottom of the negative marks listed on my credit report and why. I was informed that Navient was a sister company to XXXX XXXX and it was for a student loan. I informed the representative that I had gone to court regarding this matter and that the case had been dismissed. I was then asked if I had submitted any paperwork stating this. I responded that I had not as the attorney representing XXXX XXXX is who had it dismissed and therefor would have been responsible for informing their client. The representative stated that I had a balance of {$3900.00}. 
On XXXX XXXX, 2016 at approximately XXXX I received a call from someone by the name of XXXX who stated she was calling from the Law Firm of XXXX XXXX XXXX and XXXX in regards to a student loan for which I owed more than XXXX. I explained to XXXX that this matter had gone to court and was dismissed. I also explained her that this matter was being disputed. XXXX then informed that Navient did not share that information with them and they were not supposed to contact me. XXXX stated they would not be calling back but that I could send a copy of the discharged court case via email ( XXXXXXXXXXXX ). 
I have filed a complaint with The XXXX. Since filing the complaint Navient has placed a negative 30 day past due mark on my credit every 30 days and on XXXX instances two times in one month. The loan is listed on my credit report as charged off. In documents provided to XXXX Office Navient states the loan is with XXXX.
Consumer complaint received 2016-11-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I called Navient on XXXX XXXX, 2016 and XXXX XXXX, 2016 ( 3 business days ) prior to a pre-authorized transfer ( XXXX/XXXX/16 ). I wanted to change the payment date and if not stop payment. I was told be a Navient supervisor that I need to stop payment 10 days prior. Regulation E, section 1005.10 under stop payment states that a customer has a right to stop payment 3 business days prior. The regulation does not require me to contact my bank and pay stop payment fees. The regulation allows me to be able to contact the financial institution submitting the transaction to cancel.
Consumer complaint received 2016-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I have been enrolled with automatic monthly payments with Navient for more than a year, but I began paying extra money towards the principle of my loan beginning XX/XX/2016. When I submitted the payments online I was given the option of either applying the extra payments towards the principle of the loan vs having the next monthly payment due date advanced. I successfully made an extra payment for XX/XX/XXXX-XX/XX/2016 using the online system. When I attempted to make an extra payment XX/XX/2016 the website was no longer providing the option of applying the extra amount to principle vs advancing the monthly due date. I went ahead and submitted the payment thinking it would of course go to the principle. The next business day I received an email that the loan company had instead advanced the due date of my next payment. I called them twice XX/XX/XXXX- once to have the payment adjusted and let them know that there was an issue with their website ; another time to let them know that they still had n't repaired the website. They assured me that they would get the info to their IT staff and the problem would be corrected immediately. I again attempted to make an extra payment earlier this week. Again the website was not giving an option as to how the payment should be applied. I called the company as I was trying to make the payment. They said that it may have been difficulties with their new website, so they directed me to a link to their old web address. The option still was not available, though they assured me that it would be applied to principle. While my online account is showing that the payment did post to the principle I still received an email that told me that the next due date had been advanced a month. I had to call again to ensure that they were not advancing the due date, which it appears that it was going to do just that. The representative advised me that the website should allow me to apply the extra payment to principle vs advance the due date. I once again told the representative that the website is no longer giving the option. I advised her that I have spoken with Navient on several occasions in the past month to get this situation remedied. She advised that she will send another message to the IT team. I advised her that I will be reporting Navient to the CFPB as this is becoming rediculous how many times I have had to call them with no remedy to the situation.
Consumer complaint received 2015-05-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (SC)

XXXX XXXX XXXX XXXX XXXX is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-01-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Armada Corp. (WA)

The bills that I have been paying on are extremely old. I pay {$100.00} a month and never seems like I'm getting anywhere. This company either is not applying payments to my account or is charging outrageous fees to where I can not get out of this debt.
Consumer complaint received 2016-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

I recently re-enrolled in school for my XXXX XXXX at the University XXXX XXXX. Prior to re-enrolling I called my loan servicer, Navient, and requested information on how to make sure my loans would be put into deferment during my time back at school. They informed me there was nothing I needed to do and that NSLDS would inform them when I was officially enrolled. Fast forward to a few weeks after I had been attending classes. At this point I had received a letter from my other student loan servicer, XXXX, stating they were informed I was in school and my account was now in deferment, nothing from Navient. I called Navient and was told they had no information verifying that I was enrolled in school again. I nicely pointed out I had just received a new federal loan from Navient to cover the cost of the tuition for my XXXX XXXX and it was already showing up on my account with the status of " in school ''. They said they could not do anything because the mere fact that I had a new loan did not really mean I was enrolled ( How else would I have gotten the loan? ), they suggested we conference call with the school. We called the school and they verified I was in fact enrolled in school and they had sent the information to the NSLDS and Navient should be able to see it. Navient simply stated they could n't and to try again later. A week or two later I got a call from Navient requesting I provide proof I was in school and some additional forms to bring to the school, up to this point I have not had time to get them filled out ( I work full time and attend school, when would I have time to wait in line at the financial aid office for an hour or XXXX just to get a form stamped? ), on my account it now states that my loans are " waiting for documentation of forbearance '', which is n't even what I 'm trying to do. I will eventually get the forms stamped but I find this absolutely ridiculous. First that clearly Navient is ignoring the XXXX as both my school and other loan servicer agree the information stating I 'm enrolled is there, and second that I have a brand new loan with Navient stating I am in school and they refuse to accept that as proof. Again I ask how could I get a new federal student loan without being enrolled in school?
Consumer complaint received 2016-04-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IN)

I obtained a loan thru Navient previously known as XXXX XXXX. The loan is no longer available, but it was originally called a Tuition Answer loan. I have all my documents but I borrowed {$5400.00} back on XXXX/XXXX/XXXX. Not sure what happened between XX/XX/XXXX and XX/XX/XXXX but my loan increased to {$10000.00}. I was having financial difficulties and was not able to pay the loan on time and was behind and they finally worked out a payment with me XX/XX/XXXX. Right now as of today the documents state that I will have repaid XXXX by the time I pay this loan off which is RIDICOULOUS!!! That is way more than the amount I borrowed and I would like for this loan to be evaluated by the CFPB and see if there have been some unfair lending practices with this loan. I am in over my head with these loans and I am unable to file them on my taxes because I was told that they are not student loans and they wanted me to call the school to ask if they can certify the loans so I can get federal tax credit. I did n't call the school because I figured if they are not student loans then when I filed my bankruptcy XX/XX/XXXX they should have been considered in the bankruptcy due to the fact that I have paid on these loans and am not able to file them on my taxes and still owe over {$9500.00}. I am never going to get these loans paid back and the amount is not going down. I have faithfully paid for the past 2 and a half years trying to keep my credit score from dropping but I do n't know how much longer I can stand to deal with this. I do n't understand why I am paying back 3 times what I borrowed. I am a single mother paying childcare. I would like to have loans that are affordable. I am not opposing paying the loans but It has been since XX/XX/XXXX and I am still trying to pay back some money that I did n't borrow.
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. (NY)

On XX/XX/2022, I caused to be sent to Equifax a Certified Mail letter # XXXX XXXX XXXX XXXX XXXX " Permissible Purpose '' Letter requested that several accounts XXXX removed because Equifax does not have a Permissible Purpose as per 15 USC 1681b. Equifax did NOT remove the accounts but instead initiated an investigation which is NOT what I requested. My credit score went from XXXX down to XXXX. This has caused me to be denied credit and a mortgage for my first home. I intend to file a lawsuit against Equifax as per XXXX v Equifax where Equifax did the same thing to a woman who sued Equifax for inaccurately reporting accounts that should have been removed but instead remained and damaged her commercially and legally. Equifax is violating federal law and has caused my credit score to plummet XXXX points. I am filing this complaint as evidence that Equifax is violating my rights and federal law.
Consumer complaint received 2017-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I contacted Navient to place my loans in deferment/forbearance while I collected the necessary documentation for my Income Based Repayment Application. The customer service representative told me Navient did not have the ability to stop my upcoming payment due to the fact I am enrolled in auto-debit payment. The customer service representative told me I had to call my bank to stop the payment. I did so and was told that payment would be stopped. However, Navient told me the incorrect amount of the payment which I then conveyed to my bank and because it was the incorrect amount, the stop payment order was not recognized and Navient was able to debit my account. Trying to rectify this with my bank, my bank informed me that Navient has the power to stop auto-debit at any time, for any reason.
Consumer complaint received 2016-07-25
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: RMK Financial Corp (CA)

Applied for a home loan to refinance our home with RMK Financial Corporation or ( Majestic Home Loans ) we received our Closing Disclosure on XXXX/XXXX/2016 with a 4.0 % interest rate. Then 4 days later on XXXX/XXXX/2016 I get a call from my Broker saying they now want to increase our rate to 7.25 % based on late payment history. This is 4 days after our " CD '' Closing Disclosure had been signed and dated ( XXXX/XXXX/2016 ) by my wife and I agreeing to the terms at 4 % for a 30 Year Fixed. Also, according to the Closing Disclosure we were supposed to Close on XXXX/XXXX/2016 and then have our Dispursement and Sign-Offs on XXXX/XXXX/2016. Well it 's now XXXX/XXXX/2016 and nothing has happened. We have not received any new terms in writing from RMK Financial Corp. / Majestic Home Loans in regards to their proposed interest rate hike. I 've tried to call the Lender, Majestic Home Loans direct, but have had to leave messages for the Accounts Manager two days in a row. And still have not received a call back. So as of right now my wife and I still assume we have a loan at the 4 % interest rate that we signed, dated and agreed to on XXXX/XXXX/2016. 

And according to other lenders I 've called for advice and friends in real estate that I know, they all say that Majestic Homes Loans is doing some illegal practices and trying to bully us into a high rate loan. Our LTV " Loan to Value '' of our homes is 30 %. Which means we have over 70 % of equity in our home. Should we walk away???????? Please Help!
Consumer complaint received 2017-04-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

I tried submitting extra payments to my account and was unable to get them properly applied to the loan that I specified. Navient equally split the extra payment across my three loans as opposed to applying the amount to the account with the highest interest that I was trying to pay off first. The staff at Navient was extremely unhelpful in getting this corrected. 

After a while, I finally got sick of Navient and decided to refinance. Based on the billing cycle, I ended up overpaying my loan. Getting Navient to refund the overpayment was difficult and took well over a month. This was extremely frustrating. The people I spoke to said that it just takes that long and that there is n't anything we can do about it.
Consumer complaint received 2017-01-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (ND)

A company called NetSpend has twice sent me a debit card in the mail that I did not ask for. From what I understand, they gather people 's personal information, create a debit account in their name, and send them a debit card in the mail. The debit card had a phone number to call to activate the card, but said to just ignore the offer if I did not want it. It bothers me that a company opened a financial account in my name that I did not ask for. No, I did not activate the card, but I believe they would have had to create an account beforehand to be able to send me a card in the mail that was ready to be activated. I think this practice should be illegal. And I believe that it could increase identity fraud if there are financial accounts being created in my name that I am not aware of.
Consumer complaint received 2015-11-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP (GA)

Selene Finance is two months delinquent with our Escrow refund after we left the company ( also due to their terrible service ). We received a letter stating the refund was sent on XX/XX/XXXX, and have called them over 10 times since then, assured each time that the payment would be remitted. They will not disclose to us what notes have been taken on our file, and are not remitting our money.
Consumer complaint received 2017-01-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (CO)

On XX/XX/XXXX, I received via mail a letter package of frivolous letters dated XX/XX/XXXX and XX/XX/XXXX, along with documents that Selene has had since XX/XX/XXXX that allegedly they claim they did n't received and/or missing pages which prompted my first complaint in which Selene continues to falsely claim they did n't received pages and/or missing pages to the new, pages not readable. This is unacceptable and I am asking that this matter be properly investigated as to Selene 's blatantly attempt to prohibit the sale of the property. As I stated in my complaint, case number XXXX, on XXXX XXXX, 2016, Selene is intentionally prohibiting the sale of the property in which Selene has had a legally executed real estate sales contract for the property since XXXX. 
Moreover, on XXXX, I spoke with XXXX who serves as a Selene Customer Service Representative. It was confirmed by XXXX that the documents my Realtor, XXXX emailed to XXXX again on XXXX, via XXXX letter of " short sale '' dated XX/XX/XXXX, was received on XXXX and XXXX confirmed the documents were readable and she would send an email to XXXX XXXX to call me ; needless to say, she did not return my call ( XXXX recorded conversation of XXXX ) in which Selene states their calls are recorded. 
Once again today, my realtor XXXX XXXX has emailed and faxed these same documents per XXXX XXXX 's letter of short sale dated XX/XX/XXXX. 
These frivolously letters and the falsely claim of not receiving pages and/or missing pages to the new, pages not readable is unacceptable and I am asking that this matter be properly investigated as to Selene 's blatantly attempt to prohibit the sale of the property.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (NY)

Was contacted by a lawyer representing an apartment leasing company that I had rented from XXXX XXXX to XX/XX/XXXX. They are attempting to collect {$870.00} for XXXX XXXX rent even though I had vacated the property at the end term of the lease. They have threaten to now ruin my credit by not paying them for rent I do not owe them.
Consumer complaint received 2016-09-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (IL)

Account fell behind due a financial hardship situation but I made a agreement with them to setup a payment plan to bring the account current and the payment has already cleared the bank but yet they still call me 10+ times a day 45 mins apart sometimes 2 mins apart from the first call for the past two days now I called them last night and told them to take me off the list that we have an agreement and they told me I was off the list but yet again the calls started again XXXX and have n't stopped I 've been called almost 10 times before noon
Consumer complaint received 2015-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Capital Accounts, LLC (MO)

I spoke with a rep last week when they called my place of employment. I have asked the company ( Capital Accounts LLC ) not to call my place of employment XXXX times now. The company has my cellphone number as well as my email address, but yet they continue to call my place of employment.
Consumer complaint received 2016-05-02
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (VA)

I have some adverse information on my credit report from a dentist office that did work for me and my insurance company and I paid what was owed back in XXXX. I was just made aware of the adverse info on the report on XXXX XXXX, XXXX and immediately called the company Capital Accounts ( collection agency ) to dispute, spoke with supervisor, XXXX and started the dispute process. On XXXX XXXX, XXXX I called to follow up and XXXX said the dispute had been filed a couple of weeks ago and they were waiting for the dentist office to respond and he could n't help me further, I needed to wait for XXXX to call me back in 2 hours to answer any other questions. XXXX never called me back. I called back 24 hours later and XXXX said this has been going on since XXXX I do n't need to discuss anything with you and immediately hung up on me. I called back an hour later and was told by XXXX that I needed to speak with XXXX and he 'd call me back, still have n't heard from XXXX. I called today, XXXX XXXX, XXXX and spoke with XXXX again and he said if XXXX did n't call me back then he does n't know what to tell me. I immediately ended the call because this does not seem legit. In addition, I sent a letter overnight to the address I received from XXXX on XXXX XXXX, XXXX asking to resolve this matter, address P.O. XXXX XXXX XXXX, TN XXXX. Please help me resolve this matter so I can move on. 
Thank you, XXXX XXXX XXXX