davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (ME)

Most of my student loans are held by Navient. With Navient, I currently have {$63000.00} in student loans ( and counting, as my balance seems to get higher every year with 4 % -14 % interest rates ). I 've been paying them steadily and for the most part uninterrupted and on-time since graduating in XXXX. I have been on an income-based repayment plan for the past 3 years, as the monthly payment they were asking me to make was ridiculous. My XXXX plan expired in XXXX, and after speaking with someone at Navient, I put a temporary forbearance on the loan so I could gather my tax information from the previous year and re-apply. I reapplied, and was rejected the XXXX plan, which made my monthly payment on this student loan ( I have a handful of very small ones ) {$540.00} per month- which I can not afford. The person on the phone told me " there was nothing they could do for me '' and that I needed to budget better -- which is infuriating, as I am a very well-organized, type-A person. I called back a few times, and have been told different things each time. One time I called and was told that they no longer do XXXX plans and I just had to make the standard payments. Another time I called and was told that I could do XXXX, but they would take into account : 1 ) my income, 2 ) my husbands income, and 3 ) my mother 's income, as she co-signed my loan 11 years ago when I entered college. This is absolutely ridiculous to me. I am a grown adult, married, not living with my parents, and have no financial ties to my mother, other than she co-signed my loan in XXXX. Why on earth is Navient telling me that my mother 's income will be included as a determining factor for my monthly payment? I know many people who are on XXXX plans, and their co-signer 's income/information is not taken into account. The most frustrating part of this is that every time I call I am told different information. The bottom line is -- I ca n't afford {$540.00} a month on top of XXXX other student loans, a mortgage payment, car payment, various insurances, phone and utilities. I would have no money left for food and gas to get me to the XXXX jobs it takes to try to chip away at these student loans. Yet they continually tell me that there is nothing they can do to lower my payments.
Consumer complaint received 2016-05-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (IN)

Im harrassed with phone calls and unrelenless amouts of mail concerning student loans im not able to pay. Due to my XXXX from Honorable service in the XXXX im unable to work an stable job currently while recieving limited unearned income from Veterans XXXX. Its a shame that the creditors cant recieve payment at this moment for student loans that furthered my education and im not even able to use the education to my advantage to earn the income needed. This doesnt mean that they should hassle me and im unable to make payments or even consolidate my credit in this day or hour.
Consumer complaint received 2016-10-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

In 2007 I wanted to convert my consolidated stafford loans to direct federal loans so that I could qualify for the public service repayment program. I was told by Sallie Mae that I could not reconsolidate the loans and was not ( and would not become ) eligible for the repayment program. I have found out recently that my loans were in fact eligible for reconsolidation. Now I have paid for another 9 years and have made no progress toward qualifying for the PSLR program. I have worked for a qualified 503 ( c ) for my entire 18 year career.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MD)

I was denied credit based on information that Equifax furnished XXXX. I will attach that information. I printed out my credit score from XXXX different agencies on the same day. XXXX credit agency said my Transunion credit score was XXXX and XXXX said my credit score was XXXX. None of the information at Equifax is correct and because of that I was denied critically needed credit. The information credit report is not reliable but it is life-altering. What each of the agencies report when the offer a XXXX credit scores at once deal, is not even remotely accurate. I am attaching snapshots/PDFs of credit reports reported on the same day. Note the difference. Also when I got individual report, my Experian credit score was closer to XXXX. This service is off completely. Also I had a huge problem getting free reports so I have had to pay for each of these more than once. Also on my identity verification quiz, these credit bureaus put in questions about people who were subsequent owners of a home I had. I do n't know them, I have no relationship to them. I had to guess XXXX XXXX 's birthday. I do n't know her.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NC)

Equifax has re reported information to my credit file without doing a proper investigation.or sending me any documentation confirming that the action was going to be taken before reinserting information to my credit file. also i have several accounts on my credit reports. with incomplete or without information being fully investigated or verified as the information was deem fraudulent in the past on previous disputes and been removed. also equifax has refused to remove the information even though the information is deemed to be inaccurate or incomplete violating statues under the fair credit reporting act, also violations under the dodd frank act as well as the graham bailey act. Also equifax has listed a lot of fraudulent addresses on my credit report exposing me to risk that i should not be exposed to as being a consumer in the united states. Also there are accts that can not be verified or considered incomplete which was apart of the fraud, that had been removed for over two years have been placed back on my file without any proper notice being sent to the correct address which copies as well as personal information has been sent to theses fraudulent addresses. The Addresses that are reporting are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX va XXXX Also Accts from XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX # XXXX XXXX Bank Acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX acct # XXXX all these accts where reinserted back to my credit file without proper notice but also many of them with account numbers that do not exist or inaccurate information or information that is incomplete and never verified even after being told plenty of times of the discrepencies or of the creditors claiming to have not reported this information to equifax.
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (MO)

I was checking my free credit reports at annualcreditreport.com. I was able to view XXXX, XXXX, but not Equifax. When I clicked on the link to view the Equifax report, a page stating that the system was not available and to check back later. Once I returned to annualcreditreport.com, it showed that I had viewed the Equifax report and would not let me back in. I have gone to the Equifax website, but you must purchase a product in order to speak with a person. The links on the Fair Credit Reporting Act for their site are not active. They do not have any phone number that will get you to a person to help with the issue. You ca n't even order a credit report without signing up for a monthly subscription. I finally ordered a report and score over the phone because the phone was not clear as to what needed to happen in order to just get a report. I paid the {$19.00} just so I could get a copy. This is yet another example of how these agencies are allowed to control your financial information with no recourse. I have a very common name and have had several mistakes on my reports over the years. It is amazing to think that the consumer has to pay for their mistake. I also sent a complaint to annualfreecreditreport.com, however they are a government run agency, so they obviously have not intention of responding to the issue to resolve the matter.
Consumer complaint received 2016-02-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

I have filed a complaint four different times and they continue to send the same standard letter saying they find it as a valid inquire, yet the company has told me it was concerned that it was fraud and they cancelled the approved loan. I have tried to upload the fraud form and their system does n't provide for a way to upload this form. This is my personal information and yet they wo n't change my file to reflect the truth. How are these reporting agencies allowed to share a persons personal and financial information to anyone without any regards to the actual consumer, and in turn will not provide any information the actual consumer but instead protect the person committing the fraud.
Consumer complaint received 2016-12-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (WA)

I placed a security freeze on my account a year ago after my wallet was stolen with all XXXX credit reporting agencies. I am now trying to lift the freezes so that I can get new lines of credit opened in the future. XXXX and XXXX lifted the freezes immediately, but I can not lift the freeze with Equifax despite contacting them via their website, by phone, and in writing. Every attempt is met with the same form letter to resubmit my request including social security number, proof of identity, etc. in writing even though I have already done so and have a proof of delivery from USPS priority mail that this information was delivered to them. 

I have all of the required information available and my XXXX digit pin, but I can not get them to respond. I also have their hardcopy form letter response. Please help!
Consumer complaint received 2016-12-09
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NY)

I have a private student loan with Navient. I am currently unemployed and unable to afford full payments on my loan. I have contacted them four times to attempt to work with them to lower payments until I gain employment. Twice they told me I was eligible for a year of interest only payments, which I was willing pay, and then denied my requests. Next I was told I eligible for XXXX months of interest only payments and then they denied my request for that, they claim because they do not approve short term requests. Why offer me that option and then deny it because of the shortness of the time period, when it is the time period limitation they set. Finally I asked for an income driven lowering of my payments, and was told there were no options for that on my loan. I stated I would rather make partial payments then go into default/delinquency and I was told a partial payment would be treated as a non-payment and they would attempt to destroy my credit. I have great credit because I am responsible and pay my bills. They are making no genuine effort to help me pay off my debt and using predatory tactics to try attach further charges on my loan. They have sent me numerous emails stating they encourage me to work with them to lower payments and every time I contact them the end resolution is that they tell me I have no options. It is unfair that if I am willing to keep paying the monthly interest, which is almost half of the full payment, that they opt instead to try increase the total amount I owe by tacking on late fees and charges and threaten me with the destruction of my credit. I have been an excellent customer and are now using my financial hardship as opportunity to make more money off of me.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

XXXX, now Navient, has made it very difficult for me to repay my student loans at a rate that I am comfortable with. I have both private and federal loans, but my private loans have been a nightmare to try to settle. I graduated in 2008 and since then, have been trying to work with XXXX/Navient to come to a mutual agreement on what I can pay monthly. After years of receiving multiple harassing phone calls daily, I very hesitantly agreed to payments of over $ XXXX monthly, knowing very well it was going to be extremely difficult to keep up with. I honestly wanted to start paying back what I owed and desperately wanted the harassing phone calls to end. This was my only option for that and the best offer I had gotten in the years I 've tried to settle with Navient. After the first few months, I noticed the payments were not coming out, even though I agreed to a direct deposit from my account. When I contacted Navient, they somehow had the wrong account number and penalized ME for it, adding more to my already difficult-to-make payments so that my account can become current again. After months of this, it was clear that I could not keep up with my payments. I already have very little in my savings and had to dip into them in order to eat some days, which is extremely frustrating as I have made a great career for myself and work very hard for what I make. I contacted Navient to plead with them and try to come to a better agreement. It was obvious that I wanted to pay these loans back, but could no longer keep up with the payments and my savings were minimal at this point. I was told that I " have enough in my bank accounts '' to keep up with the payments and that there was nothing they could do. I pleaded for them to take a second look as my savings could only help me for another 2 or 3 payments before I would be left with nothing and my checking account clearly did not have enough funds. The supervisor was rude and not very willing to help. After " reviewing my finances, '' he decided that I could keep up with the payments and that there was nothing else they could do. I am in a very difficult position now because these are not my only loans, my interest rates are through the roof and I am drowning trying to keep up with all of my expenses on top of the overwhelming amount of student loans I pay monthly. I want to pay back my loans, I am an honest person, but I do feel very taken advantage of by Navient. There is no way that a XXXX. in XXXX cost almost {$200000.00}! Please help. I want nothing more than to settle this and be done with this huge burden.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

I have repeatedly tried to explain to my loan servicer, Navient, that I need help in the form of a forbearance or deferment due to extremely dire financial circumstances. I am the sole provider for a husband who has his own heaping student loan debt but who has become XXXX ill. We have declared bankruptcy from other creditors - we were not allowed to include our student loan debt. We are applying for permanent XXXX for my husband and are struggling to cover the basics such as rent, groceries, medications, doctor visits, and medical treatments. There is nothing leftover in a month to put toward a never-ending, ever-escalating student loan debt. Navient, like XXXX XXXX, and other student loan servicers, are no better than banks or other lenders who are unwilling to work with students who, due to unforeseen and tragic circumstances, are unable to make payments. Instead of halting the loan and working with consumers, they pad the total amount borrowed until it becomes an insurmountable financial burden far exceeding the original amount of the loan. It is a terrible practice to lend to students who do not anticipate that the worst may happen in their lives in the way of job loss ( es ), illness ( es ), and other unexpected hardships that anyone is susceptible to experiencing. No one who takes out a student loan to provide a better life for themselves through education plans on one day living in poverty. Students who have borrowed money to complete college and are unable to make a living should not be made into the working poor, should not be made to have to work multiple jobs to make ends meet.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I was given bad advice from a person on the phone. He told me to pay off my small loans first even though the interest was less than 3 % and I had loans with 14 %. I did not take his advice and told him that advice is ridiculous. I recently switched to auto pay around XXXX 2016 but then realized they were not paying my minimum payments and instead were putting more money toward my lower interest rate loans and less towards my higher interest rate loans.
Consumer complaint received 2015-12-05
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (MA)

Currently Discover Credit card is running a promotion. Customers who use XXXX with discover card can earn a 10 % cashback on all eligible purchases. The exact terms and conditions are " Earn an extra 10 % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX/XXXX/15. Excludes gift card purchases. No sign up needed. Rewards earned are in addition to your standard rewards and are added to your Cashback Bonus account within XXXX billing periods. See Cashback Bonus Program Terms and Conditions for more information. '' I have made some normal purchases through discover with apple pay. However, I have received emails saying that your XXXX purchase on XXXX for $ XXXX at XXXX included a gift card. The gift card portion of your purchase does not qualify for the 10 % Cashback Bonus ( R ) promotion. 

As a reminder, now through XXXX XXXX, 2015, you 'll earn an extra 10 % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX, excluding gift card purchases. 

If you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion, let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices, but can not include your Discover card statement. You can send documentation via email : Scan and then e-mail to XXXXXXXXXXXX My purchase did not include any gift card. And I am required to provide evidence for that. However, under the terms and conditions for XXXX Cash Back, it is not stated anywhere that customers are required to keep receipts in case discover suspects it is gift card purchase. Hence, I did not keep any of my receipts associated with apple pay purchase. And I have nothing I can show to Discover. Moreoever, I feel that, Discover is violating their own terms and conditions by asking customers for receipts, because they did not ask customers to keep the receipts in the first place. Moreover, the voices that I have heard over the Internet suggests that Discover is just randomly flagging purchases of large amounts as gift cards, and request consumers to provide receipts in order to honor the cashback. This is extremely unfair to the customers.
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (MI)

This complaint involves XXXX companies that each claim innocence. They each tell me to talk to the other company and none offer any method to resolve the issue The companies are Discover Financial services, XXXX and XXXX XXXX XXXX XXXX XXXX. Specifically ; Discover Financial Provides me My XXXX score and an explanation for any change as follows ; Your XXXX Credit Score is based on your XXXX credit report using the XXXX Score XXXX. 

The " problem '' is that that after months of having a XXXX score at or near XXXX, my XXXX score dropped to XXXX as reported by Discover Financial Sevices. The Credit Card offers a free XXXX score updated monthly. Discover, shows the reason for this decrease is : " 1. PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH The balances of your non-mortgage installment loans ( such as auto or student loans ) are high compared to your original loan amounts. As you pay down your loan your balance decreases, which reduces the proportion. '' The key to the above statement is " NON-MORTGAGE installment loans ''. are HIGH. 
In reality, the only financial activity that I was involved in was a refinancing of my HOME Mortgage. In fact, the action was to refinance an existing balance at a reduced interest rate with no cash out. Bottom line is that there was no change in outstanding debt, the only change was a debt that is now 100 % of the " new '' mortgage balance as compared to, approximately 75 % of the " old '' mortgage original loan. REMEMBER ... the debt amount is exactly the same! Also remember that this is MORTGAGE debt ... Not the " non-mortgage debt '' as referenced in the Discover Card explanation for change ( decrease in score ). 
Upon discussion with Discover, they directed me to XXXX, who can not /will not explain the change and they blame XXXX as they are the company who determines the score.When I discuss the problem with XXXX they in turn blame XXXX who provides the data for the XXXX score determination. 
So as a consumer, I am directed into a XXXX way loop of blame, Discover blames XXXX who blames XXXX XXXX ... who blames XXXX. I have experienced a significant change in my XXXX score that is unwarranted. The fact is, that by refinancing at a lower rate, I have lowered my monthly payment, which in fact ( common sense ) should improve my credit score. There is a significant problem in either XXXX '' s classification of Debt type or in XXXX formula for XXXX score determination. This case shows that consumers who refinance could and some cases will experience a significant decrease in their FICO score, which in turn can have a significant negative impact on future borrowing costs