davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

My series of loans were originally handled by XXXX XXXX and are now handled by Navient. My complaint stems from representations made by representatives of both loan servicers. On three separate occasions reps at XXXX XXXX ( Navient ) advised me that I was eligible for a forbearance. I was told that the forbearance was granted and that no payment would need to be made for a year. I relied on these representations and budgeted my money to other bills. On three separate occasions, I was contacted by XXXX XXXX ( Navient ) and told several months later that I did no qualify for a forbearance, that the verbal forbearance granted to me by the rep was erroneous and that I was now months late and the total sums for those months were due and owing. XXXX XXXX ( Navient ) reported me to the credit agencies as being late and the drop in my credit score drastically affected my family. I ended up filing complaints with XXXX ombudsmen -- nothing happened. I complained to XXXX XXXX ( Navient ) managers and nothing happened. 

The question is why can XXXX XXXX ( Navient ) get away with misrepresenting their own policies to the detriment of borrowers time and again without any repercussions? I am still dealing with the negative credit reporting and all the fees associated with late payments. No other company could get away with managing so much debt so irresponsibly. 

All I am requesting is that the negative reporting to the credit agencies be withdrawan.
Consumer complaint received 2016-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (AL)

My loans came due for repayment and I contacted my servicer to consolidate my loans so that I could make one payment to XXXX servicer. Logged in at nslds.ed.gov to get a run down of what I actually owed, $ XXXX completed the necessary application on XXXX/XXXX/2016 with FedLoan Servicing since I already had some of my loans with them. So finally on XXXX/XXXX/2016 they sent me notice that my consolidation was complete and that payment was due. I log in, excited to have it all in one place, and then HORROR! I now owe {$120000.00}. I called them immediately. The customer service representative had little explanation and quickly got me off the phone. While I understand that interest compounds daily on student loans, I do n't think the debt can grow by {$50000.00} in one month. I am not a math genius, but I 'm also not an XXXX. I logged back on to nslds.ed.gov to check what they show and they clearly show {$78000.00}. That sounds more logical. How and what can I do to make this nightmare go away. I already get sick each time I look at this debt but to think that I just got charged for graduate school without attending is a bit sickening.
Consumer complaint received 2017-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

Since my children began paying back their student loans ( I am the borrower on a Parent Plus Loan ) we have had nothing but issue after issue with Navient. Every single month we 've had to call them to straighten out their messes. They misapply money from my daughter 's portion of the loans to my son 's and vice versa constantly even though they specifically request the loan numbers for the money to be applied to. They give us conflicting information about what information they can release and why or why they ca n't do certain things. I ca n't even request the notes that they 've put in my account without a subpoena according to them. This month my son 's money was applied to someone else 's account and then was told he had a huge late fee. Then they found the money but still demanded proof from XXXX. They NEVER process payments correctly. It 's maddening and, frankly, I believe it to be unethical and possibly illegal.
Consumer complaint received 2016-11-04
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: TRANSWORLD SYSTEMS INC (MA)

Transworld Systems Inc. mailed me a stack of supposed medical bills for services provided to my late wife. In an effort to hinder my efforts to resolve the matter they put an incorrect contact phone number on their notice. Their notice fails to provide even the most basic information to allow me to identify what service they say money is owed for. They just say i owe the money because they say so. On XXXX/XXXX/16 when I called they refused to tell me or send me any information because they claim they already sent it by guaranteed mail but refused to even answer the question about who 's signature was on their supposed guaranteed mail. I feel it is reasonable to assume that their claim of sending via guaranteed mail was a blatant lie based on their failure to even acknowledge that I asked who signed for their guaranteed mail. Finally, they repeatedly tried to interrupt me while I was in the middle of a sentence and then hung up on me because they claimed that I was talking over him.
Consumer complaint received 2016-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC (PA)

I have been attempting to obtain a reduction in student loan payments. Currently, my wages and income tax refunds are under garnishment. On XXXX occasions the necessary paperwork has been submitted yet my responses have been in the form of letter advising me the XXXX has submitted my account for debt collection. On XXXX/XXXX/2016 I received a response to my latest request for a reduction. I immediately contacted the XXXX number ( Saturday hours were listed as XXXX ) at XXXX and received a recording the office was closed. On XXXX/XXXX/2016 I received another notice advising me the XXXX had placed my account in delinquency status with a collection agency ( Trans World Systems Inc ) and they were unable to contact me and I needed to contact them. I called and spoke with XXXX XXXX, who informed me the reason they send me this notice was due to their inability to get in contact with me and I needed to submit the same form I had submitted ( I have copies believe the credit agencies are UNFAIR in their practice and deliberately or callously delay repayment negotiations by constantly asking for the same information or in my case generating a debt collection notice when in fact the account is being repaid. The notice does not state a reason why all the paperwork was rejected or what was incorrect. The letter tells me to send all correspondence to the collection agency address. I submitted over 20 pages of documents and it is obvious they received something, what I find troubling with this situation is why I receive a debt collection notice rather than a professional acknowledgement of my documents as well as what items are further needed to process my request. It is time-consuming to gather all the documents required by XXXX for consideration of reduction. I am deeply troubled by the {$20.00}, XXXX in penalties assessed to my account and how no communication is mailed to me on a regular basis since my wages are garnished on a regular basis. Nor do I receive a balance statement. In the past I had to file numerous complaints against the collection agency for harassing calls at my workplace, cell phone and home phone. 
As I have stated to the agency in the past, I do not want phone calls, I want all communications in WRITING. That is not illegal or against the law to ask for this request. Yet when I submit information in writing, I am told they could not contact me and I need to call them. But when I call I am told I need to resubmit information previously submitted but with no explanation as to what if anything was incorrect. Not only do I seek a reduction in my monthly payments, but I am requesting to receive a monthly statement indicating how my monthly and yearly payments have been applied over the past two years as well as payments in the past. I feel the collection agency is being deceptive and assumes that customers are ignorant or afraid to question their questionable business practices.
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. (NC)

Since consolidating my loans I have had a lot of difficulty in obtaining an affordable monthly payment. I have called and been left on hold for long periods of time. I have also actually spoken with representatives that may give me options on the phone, place my loans in forbearance, and then claim I will receive documents in the mail to complete to finalize the lower payment based on my income. However, I never get the revised documents nor can I locate them on the website. This is factoring into my debt to income ratio and has prevented me from qualifying for new credit and also makes it appear I can not afford very much. Based on my current loan payment, which is well over {$1000.00} I can not afford anything. I need help and since XXXX XXXX changed to Navient I have received very little. In the meantime the interest continues to grow and the loan balance with it. Please help!
Consumer complaint received 2015-08-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I joined a repayment plan through Navient in the beginning of XXXX. Before you are entered in the repayment plan, you have to go through a 3 month qualifying period. I was informed of the 3 month qualifying period and that after the 3 months my Navient account will be up to date. However, I was not informed that my loans are still going to be sent in for collections which will affect mine and my co-signer 's ( on one loan XXXX credit. I did not receive any phone calls from their collections department or any letters stating that they would CONTINUE collections. No collections calls were made so I was under the impression that it was no longer being sent to collections. 
As of tomorrow, the loan that my co-signer is on, will be brought current and Navient refuses to fix the delinquency errors that were their fault due to their neglect in providing that specific information. Now my co-signer ( my father ) can not get the house that he was trying to get. He was pre-approved for a VA loan and now, due to these delinquencies on his credit, is no longer eligible for the loan.
Consumer complaint received 2016-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (VA)

XXXX has been trying to collect on a bill that I have stated several times did not belong to me. I completed a fraud packet they sent me and mailed it back, I sent them a FTC fraud affadavit form showing and proving that the account did not belong to me. The account was deleted from all XXXX bureaus and recently it was added back on by a collection agency which got deleted again and now its back on my credit report under a different collection agency by the name of Jefferson Capital System LLC. This account does not belong to me and XXXX has recevied all documents showing and proving that I did not open this account. I have even sent a debt validation letter asking XXXX XXXX to send me the signed contract and any other documents they have proving that I opened the account and to this day I have not recevied a response from them.
Consumer complaint received 2016-04-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

I have been consistently paying Navient, private loan, for over 5 years. Originally, they were collecting my extra monthly payment and using it for future payments. My balance would should XXXX every month due to over paying. 2 years ago, I found out about this dirty practice and had them change extra payments to go towards principle loan. 
These past 3 months, it seems they changed my payment method back to extra payments being pushed to future interest or pay, showing a XXXX monthly pay balance. After paying off $ XXXX on a specific loan, I repeatedly told a Navient rep 2 months ago, I want extra payments to go towards principle. They did not comply to my request and have continued to keep my payment method same. This is a dirty practice and they are collecting " free '' money from the hardworking consumers. The loan balance has not gone down and they are stealing. I would have been done paying off the private loan had they put my extra payments to the principle loan. Please put a stop to this form of payment system by Navient. Thank you.
Consumer complaint received 2017-03-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

I was contacted by a company, Navient that indicated i had a loan from XX/XX/XXXX that was not paid. Since it was 8 years old and I had never heard about this before I asked for proof. This was in XX/XX/XXXX. After a dozen phone calls and letters to Navient I finally contacted the XXXX to help me obtain the proof of this loan, I received proof on XX/XX/XXXX with a note that said I was now past due. I do not think this is fair, It took them six months to get me proof that I owed the money and they want to tell me i am past due and report to the credit agencies and charge me interest on the time it took for them to provide the proof of the loan, which is still in question. I had filed bankruptcy in XX/XX/XXXX, and i was a victim of identity theft, so I have to be careful and I need proof of a loan that shows up after 8 years from nowhere. 
I really think that the company should let me verify the loan, and forgive the interest accrued while I was waiting for them to provide the documents. 

XXXX
Consumer complaint received 2016-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MA)

I am getting daily robo-calls from an organization called XXXX which XXXX tells me is XXXX. Their robot insists that this an urgent business matter and told me to call XXXX. I have also never received any correspondence detailing what they want to speak about. I am on the do-not-call registry and I have never taken out or co-signed a loan of any kind in my life. I am hesitant to call them since this smells like a scam and their website does not allow anyone to contact them via email. I 've been blocking all the numbers they call from and it 's just annoying. I wish they would stop.
Consumer complaint received 2015-05-29
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Vision Financial Corp. (CA)

Hello, XXXX years ago I settled with a debt collector on a loan I had on my car. The problem is that they have n't sent my pink slip. Each time I call they say it 's in the mail. I had a seller for it XXXX year ago for {$800.00}, but they backed out because I did n't have the pink slip. Can you help me? 
Hello, Two years ago I settled with a debt collector on a loan I had on my car. ( XXXX ) The problem is that they have n't sent my pink slip. Each time I call they say it 's in the mail. Can you help me? 

Vision FinancialXXXXXXXX # XXXX
Consumer complaint received 2017-02-10
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Razor Capital, LLC (IN)

XXXX AND RAZOR ARE VIOLATORS OF THE : " DODD-FRANK WALLSTREET REFORM AND CONSUMER PROTECTION ACT. '' XXXX COUNTS OF AGGREVATED CREDIT REPORTING FRAUD WITH XXXX AND XXXX IS A CRME. 
XXXX COUNTS OF F.C.R.A. 
XXXX COUNTS OF T.C.P.A. 
XXXX COUNTS OF F.D.C.P.A.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Simon's Agency, Inc. (NY)

I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$30.00}. I want all this medicals bills to be removed and a zero balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.
Consumer complaint received 2016-06-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Simon's Agency, Inc. (NJ)

I paid an {$85.00} bill. This collections agency put on my XXXX credit report as I still owe this money. They told me they update the report every Friday. Friday came and no update. the next Friday showed up and no update. Then they told me they would send a receipt and I would have to contact XXXX myself. Three times I asked for this receipt and they never sent anything to me. I had to put a reverse on my credit card. Now they are trying to collect this debt again.They put XXXX more negative things on my report. They could only put negative information on credit reports This collections agency should be shut down
Consumer complaint received 2016-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Omega RMS, LLC (CO)

A few years back, I signed up with a dating service called " XXXX XXXX '' while living in Georgia. Per the contract, " XXXX XXXX '' falsely claimed to provide me a certain number of dating matches who met my specified criteria. They falsely claimed that their candidates were pre-screened to eliminate people who were married or had criminal records. They falsely claimed that matches between candidates were matched by trained psychologists and other licensed professionals.They failed to meet contractual agreements, yet charged me and refused to refund monies I paid for services they did not provide. I relocated and recently pulled my credit reports in which a collection agency, " Omega RMS LLC '' is falsely claiming that I owe three separate amounts to " XXXX ''. " Omega RMS LLC '' falsely reported to the XXXX credit bureaus that I owe {$1600.00}, {$2300.00}, and {$2700.00}. I sent a debt verification letter to " Omega RMS LLC '' dated XXXX XXXX 2016, sent certified mail with return receipt, with the request that " Omega RMS LLC '' notify the XXXX credit bureaus of the fact that I was disputing these false debts. I requested that " Omega RMS LLC '' validate the debt by sending me the following : Copy of any original contract with my visible signature and date, Proof that " Omega RMS LLC '' is the original creditor or servicer, Amount of the alleged debt, Name of the creditor to whom the original debt is owed, a copy/verification of any judgment, proof that " Omega RMS LLC '' is licensed to collect debts in my state, Proof that they have met and provided the contractual obligation ( s ), guarantee ( s ), promise ( s ), and or service ( s ) as stated in the original contract. On XXXX XXXX 2016, my letter was received and signed for at XXXX by a representative of " Omega RMS LLC '' named " XXXX XXXX ''. As of today, I have not received a debt validation reply from " Omega RMS LLC '', nor has my credit report been updated to reflect that these debts are being disputed. 

After doing my research, I see that " XXXX '' has been out of business for quite some time and " Omega RMS LLC '' is still attempting to collect on debt/debts that are not mine. Since " XXXX XXXX '' is out of business so now I am unsure of how to get my money back from them for dating service guarantees that were not met and for breech of contract. 

I am not sure how " Omega RMS LLC '' can falsely claim and falsely report that I owe any amount, let alone XXXX separate amounts for services that I never received. Furthermore, I 'm not sure how " Omega RMS LLC '' can attempt to collect any amount of money for a service that has been out of business for quite some time.
Consumer complaint received 2021-09-01
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. (NC)

In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation
Consumer complaint received 2016-09-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: MRS BPO, LLC (FL)

On XXXX I contacted the debt collection agency MRS BPO Located in XXXX XXXX XXXX XXXX XXXX NJ XXXX at XXXX because my debt from XXXX XXXX had been transferred to them. I was able to resolve the debt and provided them with my updated Mailing address and contact number as well as set up a payment arrangement with them. On XXXX they took a payment out of my checking account and on XXXX, they reported to the credit bureau that my account was delinquent. I was not notified about the account prior to me initiating the call. I was not notified that a negative/ delinquent account status will be posted on my credit report. On XXXX at XXXX XXXX I called MRS BPO to have them remove the collection off my credit since I had a payment arrangement set and they stated that they are not able to, and stated that they would send me an email with proof of payment and also provided me a password to access proof of the payment arrangement notice. Also the customer service agent I spoke with stated repeatedly that I would have to wait 30 days from XXXX to have the debt reflected as being paid on my credit report. They did not provide me with certainty on their actions. On XXXX at XXXX I called to follow up on the said email with my proof of payment arrangement and I was placed on hold, and then told that their computer system is not able to generate a letter or email me proof that I am making payments on the account. Currently, My credit report shows a delinquency even though my checking account will be drafted every month the amount of {$92.00} by MRS BPO. I believe that I should be provided proof of payment on demand and also my credit report should not have reflected the negative balance. Also when I asked to speak to a manager, there was no one put on the phone to speak to me and go over detailed answers to my question about their credit reporting practice.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC. (TX)

AFNI, Inc. added an account to my credit files and when I sent a debt validation letter, all they sent me was a bill from the original creditorXXXX. This is not proper validation per the FCRA and FDCPA laws, which state that validation requires presentment of the account history and general ledger/statements and copy of each agreement/contract signed and dated by the parties ( collectors and CRA ) responsible for maintaining the complete account history.