davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

XXXX / Navient - I went through a XXXX divorce and never missed payment until the divorce process. I used forbearance for approximately a year but was never given any other options - income repayment or other. I was told my rate could not be lowered and i have been told about a different program each time i contact them. My most recent episodes in trying to pay the loans to date so they did not hit my credit report : XXXX/XXXX/17 - told to pay a minimum of {$390.00} to stop calls and wait on being approved for alternate program without credit reporting XXXX/XXXX/17. {$390.00} went through for payment and that day on phone was told to call the following monday to enter in their XXXX for XXXX program. 
XX/XX/XXXX - Called this day as requested, was told the XXXX for XXXX program was not able to be used because i had paid the {$390.00} the prior week which brought me up to date ( the exact opposite reason i was told ) .. On XX/XX/XXXX was enrolled in an automatic debit draft program and told next payment to come out in XXXX - would bring me fully up to date and then i could pay weekly. Now again this week on XX/XX/XXXX i was called over 15 times saying my autopay did not go through ( even though i was told next payment would be set for XXXX XXXX ) and that i 'm late and acquired a late fee. Navient now has my banking information and my authorization and apparently they were going to draft out a payment for this month ( XXXX XXXX ) without my knowledge when i was told XXXX XXXX. They state that my autodraft did not go through because they entered an account number incorrectly but that is not true because they have drafted out XXXX fees in the past month.
Consumer complaint received 2017-02-14
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)

On XX/XX/2017 I completed and signed Federal Loan Rehabilitation forms with Pioneer Credit Recovery. It stated that my monthly payment amount would be a certain amount, first due on XX/XX/2017 and on the same day of each month thereafter. I made my payment on XX/XX/XXXX and the Pioneer staff told me that the wage garnishment would be stopped ( Pioneer never stopped it ). The wage garnishment did go through twice -- taking a huge amount of money making me unable to pay my rent this month. I called them on XX/XX/2017 and spoke to at least XXXX different Pioneer staff, including a manager, who stated that I was told that the wage garnishment would stop on XX/XX/XXXX and I was " out of luck ''. I spoke to other staff at Pioneer later in the day and all XXXX stated that I was in fact not told that and to call back tomorrow. I called back today, as requested, and the manager was not available. The staff told me to give my call back number and the manager would call me back. I have been lied to and given the run around since XX/XX/XXXX. Please help.
Consumer complaint received 2018-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: KEYCORP (OH)

Key bank ( at XXXX from the XXXX ) continues to call daily, on multiple occasions, attempting to collect on a student loan despite multiple cease and desist notices have been issued ( XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX XX/XX/XXXX, at XXXX XXXX ) and has repeatedly called after deferment ( for continuing XXXX education ) has been filed through my federal loans servicer, XXXX XXXX. I believe this constitutes harassment on Key Banks part.
Consumer complaint received 2017-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MD)

I am trying to clear up a debt owed by myself for a  XXXX   XXXX  from  XXXX  ; wherein at that time I was in   XXXX   ; I never had a  XXXX   bill  and have just recently been released from  XXXX  on  XXXX   XXXX ,   XXXX  . I have tried to clear the matter up with both  XXXX  and the  Enhanced Recovery Corp ;   and after speaking with  XXXX   XXXX  and opening up a fraud report #  XXXX , still I am not able to have the issue cleared up. I do n't understand h ow one person  in  XXXX  could even be held responsible for a debt? Could you please contact me as soon as possible to try and clear this issue up?
Consumer complaint received 2016-02-15
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: HW Holding, Inc (TX)

I found out that the comapny was reporting to the credit reporting agency on XXXX, XXXX the company has not followed the federal law in regards to section XXXX of the FAIR CREDIT REPORTING ACT 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, 606 - 15 U.S.C. 1681d XXXX general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section XXXX.
Consumer complaint received 2016-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WA)

My student loan servicer, Navient, continues to have long response times to online customer service inquiries that require telephone follow-up calls. The response time to messages sent via their website has grown in excess of one month, and the last three messages have gone completely unanswered. Calling Navient by telephone requires navigating a complex IVR system that will not route you to an agent for the first five minutes of the call. This all culminates in a very time-consuming and frustrating customer service experience. 

I feel that Navient should be held to certain customer service expectations and staff appropriately to meet customer demand. Waiting months for a response via their website, which is the method of contact they repeatedly recommend, is simply unacceptable.
Consumer complaint received 2017-04-29
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. (AZ)

Issue revolves around Equifax refusing to remove a disputed account which originated with  XXXX  in   XXXX  . It has been reported by numerous collection agencies in the years since and has always been disputed, every time, and removed from every CRA because the debt was not valid. Suddenly, even though previously removed by Equifax, Equifax now claims that the debt is valid and claims to have " validated '' the debt twice, even though it has been disputed and ruled to be invalid by all three CRA 's for the pas t five years.
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. (CA)

I have been unable to pay off accruing interest on current loans to prevent capitalization of said interest. When I submitted payments, they 're considered " refunds '' of my loan and are taken off my principal amount. I 've called Navient customer service to complain about the issue on their site as I have made such payments before and I received no straight answer as to how to make an actual payment to be applied to my accrued interest. They appeared to have no knowledge of this and stated that any " payments '' made on current loans were considered loan refunds. I fail to believe I ca n't make payments before the repayment period to avoid capitalization. It appears that Navient is forcing me to pay interest on top of interest.
Consumer complaint received 2023-04-13
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: EQUIFAX, INC. (AE)

In accordance with the fair credit reporting act, this creditor, XXXX XXXX, has violated my rights. Under 15 USC 1681 Section 602 states I have a right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for any purpose. I was never late on these accounts and they are inaccurate on the months that I was allegedly late. The bureaus have inaccuracies and contradict themselves during the years of XXXX and 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. (LA)

As I approached my graduation date I called my loan provider to get assistance with consolidating my loans. The person that helped me took me through so many steps that I actually felt good about about the process and felt that the person was actually consolidating my loans. Well a year or two later I get a call saying that I owed all this money to all these different companies regarding my student loans. I explained to the person that that could not be possible because I had consolidated my loans already. The person told me that that was not the case. My loans were not consolidated and had never been consolidated. I began to feel angry and I wanted to cry. So the person on the phone began to yell at me about making a payment. When I explained that I was still trying to process that for nearly two years I thought my loans were consolidated and come to find out that they were not, I was lost for words. So I was told that I could get into some type of repayment plan for nine months and after that period I would be caught up. And my loan would come out of default. Well I participated in the repayment plan, they garnished my checks and withheld my tax refund from me for years. The student loan process is not worth the stress that people go through. Many people aspire to go to college, get a degree, and hope to become a part of society and positively impact the world. Well for many they live with worry about how they are going to make it from day to day. And then when these college graduates get married and have kids of their own they struggle with how will me child pay for college especially if I 'm still trying to pay off a large debit that I owe. I would urge people to save as much as they can to make a better future for their families. It 's much easier said than done. But do we really want our children to suffer the way many are suffering today? Something has to change. You ca n't build up hope and expectations with little kids about going to college if they wo n't be able to afford it or be able to afford to live after they have gone to college and graduated with a large debt chained to their legs. Something has to change. Build a better and brighter future, PLEASE!
Consumer complaint received 2016-06-07
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (NY)

Navient has made numerous phone calls to my place of employment. I have asked them on XXXX occasions to remove my employer 's number from their records and to not contact me there as it will jeopardize my employment. I also informed them of my rights under the Fair Credit reporting act and they initially, each time, agreed to remove the work number. I AGAIN received a call today at work. This continued harassment is jeopardizing my employment and I would like it to stop.
Consumer complaint received 2016-02-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CL Holdings LLC (MI)

I have made no payment on this debt since XXXX, so I believe that the debt collector, Jefferson Capital Systems LLC XXXX, MN XXXX XXXX, is in violation of the six-year MI statue of limitation on this debt. During the court session XXXX XXXX XXXX : Case No. # XXXX, on XXXX XXXX, XXXX, I attempted to explain to the judge that I believed the statue of limitations had expired on this debt. I was informed that this court proceeding was only to identify that the debt was mine. I would like the Jefferson Capital Systems LLC to stop any further court proceeding and/or any further actions for collection. Jefferson Capital Systems LLC was required to bring documentation concerning the debt, but the representation did not present any documentation for the judge.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

Navient had increasingly made it difficult to star a repayment plan to bring my account out of deferment and would only offer an agreement which I would not be able to read first, only have the terms dictated to me over the phone and give a verbal agreement to extend the life of my loan. I do not have enough liquid capital to overcome the thousands in interest that have accrued and they offered nothing except for threats that my credit will continue to be ruined until I paid. The loan was then being managed by XXXX ( XXXX XXXX XXXX ) which I was able to arrange a repayment plan to bring my account out of deferement however, after my first payment, the loan was returned to Navient. I am struggling pay check to paycheck without the means to overcome this debt, though when I was paying more than interest only payments for years, prior to losing my job and finding a new one. They offer very little and I have tried other means to refinance my loans but am always denied.
Consumer complaint received 2015-06-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CA)

I have been trying to modify my mortgage payments for sometime now. I XXXX started the process with a firm that later turned out to be fraud. They would charge people and then they disappeared with everyones money. I later found some other lady to whom I explained by situation and said she would help me. She started helping me but then stopped answering my phone calls. I went to look for her and that is where I found out she had been put in jail for a reason I did not know. I then found an organization called NACA. They have been helping me through this complicated process. I have been up to date sending the bank all the papers they request from me. They have denied my loan modification and we have appealed to their decision. Once again they denied my modification but they NEVER give me or the people helping me from NACA a legitimate reason as to why I am getting denied.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

Loan keeps increasing and sometimes automatically put in foreberance without agreement. Interest keeps accruing to high amounts that are difficult to keep up with payments. They do n't offer different payment plans based on affordability or income. I attended a school, XXXX XXXX, in XXXX AK, that was n't credentialed for the programs and went out of business shortly thereafter.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

When I got out of school XX/XX/2010 I paid Navient a check for XXXX to pay down my student loan debt and they never credited my account. I have hired an attorney and I made them power of attorney on my account. Navient refuses to send me copies of payments made to me or them and they will not accept the power of attorney that we have sent them several times. Please I need help on what I should do because my loans keep adding up and I cant afford to pay this debt because they will not credit me the right amount that is owed. I paid the XXXX to XXXX because that was who I was advised to make my payment to from the school please see attached.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KS)

My son contracted with XXXX XXXX ( now Navient ) for student loans. The first loan was originated on XXXX/XXXX/XXXX for the amount of {$10000.00}, and the second loan was originated on XXXX/XXXX/XXXX for the amount of {$15000.00}. I cosigned for the student loans at that time. I filed a complaint in XXXX against Navient because they refused to work with us in settling on affordable terms for the loan repayment. That file number with your office was XXXX. That complaint was closed because we thought we had successfully negotiated an agreement with Navient for a reduced interest rate and reduced loan balance. Specifically, we agreed that the interest rate would be reduced to 0.001 %, that the total amount of XXXX loans would be reduced to {$12000.00}, and that we would pay that off with an initial payment of {$2500.00}, 24 monthly payments of {$160.00} through XXXX XXXX, and then a lump sum payment of the remaining {$6100.00}. 
However, we were never able to get Navient to commit to the agreement in writing. We have been making the payments in accordance with our verbal agreement, but Navient has never modified the terms of the loans. The loan information in our online account still shows the original loan interest rates and balances. This means that almost 90 % of our monthly payment is going to pay interest on the loans, and the balance is barely decreasing from month to month. This is not what we agreed to. I called Navient on XXXX XXXX, XXXX, and spoke with XXXX, and then with his supervisor, XXXX XXXX. They both reviewed their records, and verified that the terms I stated were correct. They had no explanation as to why the loan terms in my online account had not been updated, and they stated that they would get back to me no later than XXXX XXXX, XXXX. It is now XXXX XXXX, XXXX, and I have not had a response from Navient. 
Furthermore, they have not updated the information on my credit reports to reflect that the loans are in repayment and not delinquent.
Consumer complaint received 2016-07-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

On XXXX XXXX, XXXX, I received a call from Navient, the entity handling my school loan. During this conversation, I was told they made a mistake in calculating the interest and in order for them to adhere to the ending date for my loan, they need to change the monthly payment from {$790.00} to {$1700.00}. The ending date for my loan is XXXX XXXX, XXXX. There is only 7 months left remaining on my loam, which I have been paying since XXXX. The {$1700.00} payment is to begin XXXX XXXX, XXXX. I requested a copy of the promissory note/contract, justifying their actions. Initially, I was told they would not be able to locate it because it was so old. I insisted they provide a copy and I was told they would mail a copy to me in 7 to 14 days. I have not received it. I also requested they terminate the Auto Pay feature. They agreed to do so. Yesterday, I received a letter from Navient stating I will be charged additional interest because I terminated the Auto Pay. The letter did not provide any information as to the amount of additional interest. In the same envelope, another letter stated there could be other options available to repay my loan by extending the repayment period up to 10 years. I also spoke with a supervisor at Navient, who confirmed my payment will change due a mistake they made in calculating the interest. Navient gave me less than 30 days notice concerning this drastic change in my loan payment and they have not provided any documentation to support their action. Their internal appeal process takes more than 30 days and can take up to 90 days, which does not allow me sufficient time to dispute their actions before the outrageous payment of {$1700.00} is due.
Consumer complaint received 2015-08-25
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (NJ)

Netspend on behalf of XXXX offers a Pre-Paid Savings account that offers a 5 % optional savings account that you get when you open a XXXX Prepaid MasterCard. In XX/XX/2015 I reopened my card and deposited {$2300.00} into my savings account. When I logged onto my XXXX Prepaid App, the savings account showed an interest rate of 0.0 % for the statement quarter, violating the agreement that netspend included in their terms and conditions. I kept the amount for a month hoping it would change, however it still remained listed as 0 %. I then pulled my money out of it on XXXX/XXXX/2015. When I went to close my XXXX Prepaid yesterday, I was told there was no interest to be paid out, again directly violating the legally binding agreement that I made with Netspend when I opened the XXXX Prepaid Account.
Consumer complaint received 2018-05-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I opened a private loan with XXXX in 2003 through XXXX XXXX XXXX. A few years ago unknown to me, I received a letter from a third party stating my account was in collections. I have been making regular monthly payments to the credit collection agency for the 2 plus years of XXXX per month. On my credit report, I have a charge off from XXXX even though I am still paying the account.