davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OR)

I am the co-signer on my daughters student loans. There are XXXX separate loans for a total of app {$70000.00}. She was required to start paying them back six months after graduating from XXXX in XXXX. At the same time she was to start making payments I had to file a chapter XXXX bankruptcy. Navient immediately told her she did not have to make any payments while I was in bankruptcy ( they automatically put her loans into forbearance ) when my bankruptcy ended in XXXX they had tacked on a additional {$23000.00} in interest and immediately stated harassing the both of us for repayments. I do not think it was right for them to put the loans into forbearance because I was in bankruptcy. She never filed bankruptcy and was more than capable of making the payments for the past five years. Now she owes app {$93000.00} instead of {$70000.00}. I have been helping her make the payments for the last six months. My main concern is the extra {$23000.00} in interest. It seems what they did should be unlawful to automatically put her loans into forbearance and tack on that much interest which is going to make it even harder to stay current on these loans for the next 25 years.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CT)

Not only is it very hard these days to pay such expensive student loans with everyday living, but I feel I have called so many times since ive had my loans XX/XX/XXXX and it just seems impossible. The first couple times they were lowered but when I called XX/XX/XXXX they told me i could n't lower them and there was nothing i could do until i paid off my loans. I get it but a very high monthly payment on top of living in the US is not a easy thing. These company 's need to start working with the customers.
Consumer complaint received 2016-03-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (TX)

Ally Financial calls on an auto dial system, when I answer most of they time there is no one there, I have to wait for someone to answer ( as long as 15 seconds for a response ). If there is an answer it is a prerecorded message stating to wait for a very important message. They have called up to six times in a five hour period leaving three messages to return the call. ln that same five hour time they contacted my references asking for me, not giving me time to respond. I recently set up a deferment with them on a Friday ( made payment agreed upon on that same day ) and that following Monday morning they called me and asked me to make a payment in the full amount that I owed. Three days after that a received another phone call asking about payment. I informed them I was still waiting on the deferment paperwork and I had made the agreed payment and was told they would resend the paperwork. I asked when it was mailed the first time and the person would not give me an answer. He would just state that they would resend. I asked three or four different times and still would n't give me an answer. The crazy thing was that I received some paperwork from them dated the same day that I set up the deferment. But it was not the deferment info. I 'm still waiting on the second round of paperwork they sent and its been two weeks.
Consumer complaint received 2016-02-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MS)

I was told I had defaulted on my private loan with navient and I was in discussion with the loan recovery department. I spoke with a XXXX XXXX XXXX several times, in which I still have voice mails from, and she informed me that the only option I had was to pay a {$1000.00} down payment. Once that was paid I would be able to enter a repayment plan for either {$50.00} or {$100.00} each month. I proceeded to pay on the {$1000.00} payment and I was informed I could start my {$100.00} payments beginning in XX/XX/XXXX. Once XX/XX/XXXX came, I could n't no longer get in contact with XXXX XXXX XXXX and they said she had left the company. Now I was in talks with a gentleman named XXXX, whom said I could still begin my payments. So we setup the automatic drafts from my checking account. Now, on several occasions he continually told me my payments were being returned from my bank but my bank was telling me that there were no signs of the payments coming through. I would inform navient of that and at that point navient would send the payment again and it would be approved by my bank. Well my last payment was shown approved on my navient account but navient said it was sent back and my account is being sent to a collection agency now. I honestly feel my payments were tampered with on purpose and I never received the opportunity to properly start my repayment plan. I understand that the loan was in default but I honestly was trying to repay in the best possible way I could. I have my payment records which show I was starting to make regular payments and I stayed in contact with navient but it never seemed like they were interested in helping. I honestly want my loan to be brought of default status or at least be allowed to make the payment arrangements. If you all can help in anyway, I will greatly appreciate it. Thanks
Consumer complaint received 2022-10-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CashMax LLC (TX)

Boost Finance Loan now is transferred to XXXX XXXX XXXX. Supposedly a loan for XXXX was taken out. I have never taken a loan out for this amount for with these people. I have spoken with them many times and told them this is not me. Even though the loan was made with my SS #, I have never taken out a loan. Please report it as theft and stop pursuing me.
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. (IL)

I never even agreed to borrow money after my grant was lost, I did n't attend and have never used the money I am being accused of borrowing. I feel like they left enrolled and led me to believe it should n't hurt my credit. I can never get this off my credit record. I defaulted, now I ca n't secure a home as a recently getting divorced, ca n't secure a decent car and over all felt trapped by my credit score and this student loan company who targeted enrollment to the worst mistake of my life, XXXX steering me to them. I did n't even know about the loans or what is expected to pay back. I never consented torture this mess.hopeless new single mom.
Consumer complaint received 2015-06-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

When XXXX XXXX became Navient, 1 ) bills did not arrive in a timely fashion. 2 ) My payments were split between XXXX different loans thus making me short on both 3 ) When I called to inquire, the CS reps & their supervisors were kind but their info was not what I saw on line. 
4 ) The payment addresses for the borrower were never consistent. 5 ) I had tried to pay on line via bill pay & switched to a check in the mail. I was told by a rep the computer decides how to split the payment ( interest, principal, amt due ) so I should make my envelope heavier, pay the extra postage & the computer will XXXX it out so a human has to open it. 6 ) The paper bills that do arrive do not accurately indicate the borrower, loan id number or acct number. 7 ) When I finally get a bill, there is ALWAYS a past due amt and when questioned why a original bill was never generated, no XXXX can answer. 8 ) The bills do not indicate if the loan is federal or private. 9 ) if I print off my statement at Navient.com- I can see which loans are private/federal but when speaking to a rep, they insist the XXXX loans are federal. 10 ) I requested payoff figures for all loans & stopped paying since the payments were NOT being applied to the correct loan. As I tried to apply to another company to transfer the loans, Navient dropped my fico score XXXX points. XXXX ) The calls from XXXX, XXXX, etc.. begin a XXXX, continue all day including my cell at work ( in an XXXX ) and if I do pick up, it is a recording telling me this is XXXX- call another number. if it is a weekend, the office is closed. 12 ) Every individual I speak to I ask that the call be recorded and that I have every intent to pay but Navient has to be accountable to apply my payment to the correct loan. 13 ) When I printed off the payments applied to loans, there is no consistency of what is applied to interest, principal or balance. XXXX ) I have contacted the customer advocate directly & the CEO of Navient. The advocate provided me with payoff figures but can not stop the calls or explain the no bills & past due amounts. My husband & I are salary. He as XXXX XXXX, if he has a XXXX, we need to pay out of XXXX We will not allow navient to tap into out bank account, we expect bills in a timely fashion & we expect Navient to be accountable. The billing/computer system is confusing & vague. It appears to be a purposeful attempt to confuse, over bill, & ruin the credit rating of the customer. Thank you
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MA)

Wife and I consolidated Parent-Plus loans and other student loans for my wife into one loan. We subsequently were told we could take an " income sensitive '' adjustment. We were not aware that the interest kept compounding during the deferment period. The end result is we 've been paying on a $ XXXX loan and have paid nearly twice that amount so far ( $ XXXX ) and yet we still face a $ XXXX balance. Essentially, we have paid for the loan two times over. Also, the interest rate at the time of consolidation was 9 % and they wo n't adjust it at all when I inquired.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have a dispute with an incorrect negative reporting on my credit report from  XXXX   XXXX . Account it reporting paid charge off when it should have never been reported as I was in an active dispute with the company for overcharging me in energy charges. There is full documentation showing the amount they were charging me was incorrect and after the dispute I was provided an accurate amount which I paid. This was    XXXX    2016   , when I noticed they had reported the delinquent amount as negatively on my credit report I advised  XXXX   XXXX  this was incorrect and escalated it up to their  executive  level. After a review and despite the amount was in dispute and finally corrected they continue to report it as a negatively on my credit report.
Consumer complaint received 2016-04-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WA)

My Navient student loan reported me 90 days late in XXXX 2016 when I was not. When I called on XXXX XXXX, 2016 to dispute the 90 day credit marker, I was told I could do a forbearance and that Navient would show the account as current and report it to all three credit report agencies. 
I continued to check my report and nothing changed so I called on XXXX XXXX, 2016 to ask the status and the person said they were working on the issue and the removal would not be completed until the XX/XX/XXXX.XX/XX/2016, I checked again and this time they were reporting me 90 days late for two months, XX/XX/XXXX and XXXX 2016. 
Attached is my formal letter with further details regarding dates, times, who I spoke with. I am sending this letter in hopes that you will contact Navient and have these 90 day credit markers removed from my credit report as they promised.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (PA)

My experience with XXXX/Navient mirrors the current CPFB complaint. When I was unable to make full payments on my loans, both XXXX and Navient representatives recommended deferment and forbearance rather than income-sensitive repayment options that were also available. I did tell the reps that I could pay something but I was told that forbearance was a better option. This has led to a staggering amount of interest that continues to compound, essentially nullifying my monthly payment. The whole payment goes toward interest rather than principle, it does n't seem that the loan will ever be paid. Although I did apply for and was approved for an income sensitive repayment plan, it 's too late. 

A second issue I encountered was with the service provided when XXXX transitioned to Navient. I was told that I could continental to make payments online, however that was not the case. I thought I was making my regular payments and receiving email confirmations. However, I actually needed to call and have a rep set me up for online payments. I never received any notification that my payments were n't received, which meant that more interest and fees were added. 

When I read that the CPFB was investigating this, I immediately recognized my own experience and wanted to register my complaint. I hope that there is some relief in sight that does n't involve bankruptcy.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

This complaint is regarding the poor service that I 've had with Navient as my loan servicer. 
1 ) I was encouraged to opt for forbearance on my student loan instead of IBR for several ( 10+ ) years when I was unable to pay my monthly loan payments. My total student loan debt, as a result, has skyrocketed and now I can barely manage my IBR payments. 
2 ) As a XXXX, I should have been allowed to enter into the Public Service Forgiveness program when I asked about it over XXXX years ago. Instead, when I inquired about it, I was told they do n't do that and that even if I did use another lender to do it, I 'd have to claim any portion that was paid off as income and pay tax on it.
Consumer complaint received 2016-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

I was given an amount to pay each month of XXXX as payback on my student loans XX/XX/2015. 
This year they are charging me XXXX based on no changes in my salary or status. I simply ca n't afford XXXX more dollars per month. 
When I call they put me on hold or disconnect me,
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (VA)

i requested a copy of my payment history from the time i started paying back my student loans to XXXX/navient. instead they sent me copies of my statements. I have requested a loan modification on my student loans and they said that they do not do modifications. I was never informed about a income driven repayment plan. however, I have been paying my student loan since XX/XX/2000. my balance win i graduated was like {$25000.00} and now it 's like {$2000.00}. it doesnt seem like it will ever come down. I went on the navient website today to obtain info. they have deleted my email i sent them and they have added a payment history screen that was not there before.
Consumer complaint received 2021-09-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Armcon Corp (CA)

THIS IS NOT A DUPLICATE - Complaint XXXX-XXXX  - was in reference to XXXX, XXXX, and XXXX not reporting Judgments against consumers ' credit reports. This complaint is about Coachella Valley Collection Service not having the authority to start collection activities in XX/XX/XXXX per California Code of Civil Procedure 673 and Section 681.020 as the XXXX XXXX XXXX XXXX  did not file the Acknowledgment of Assignment of Judgement with the court until XX/XX/XXXX. 


On XX/XX/XXXX, XXXX and XXXX XXXX XXXX XXXX assigned a judgment to Coachella Valley Collection Service ( See attached Acknowledgement of Assignment of Judgment ) Coachella Valley Collection Service opened a reporting account with XXXX on XX/XX/XXXX, and started reporting a delinquency to my credit file and continued to report a delinquency through XX/XX/XXXX. XXXX and XXXX XXXX XXXX XXXX filed the Acknowledgement with the Superior Court of California , County of XXXX ( reference case number XXXX ) on XX/XX/XXXX ( See attached redacted Register of Actions ) Per California Code of Civil Procedure 673 and Section 681.020, Coachella Valley Collection Service did not have authority to start collection activities until XX/XX/XXXX, when the Acknowledgement of Assignment of Judgment was filed with the Superior Court of California , County of XXXX. 
Coachella Valley Collection Service is in violation of the Federal Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., Californias Fair Debt Collection Practices Act ( Rosenthal Act ), California Civil Code 1788 et seq., The Fair Credit Reporting Act 15 U.S.C. 1681, et seq, .The Consumer Credit Reporting Reform Act of 1966 ( Public Law No. 104-208 ( September 30, 1966 ) 110 Stat.3009-447, 2413 ) ( the Reform Act. )
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (IL)

Navient has only offered to give me a payment plan which would result in a payment I can not afford on a monthly basis. I 've tried to work with them to reset my debt back to what I took out. They only want a cash offer as a payoff. I pay them {$50.00} a month and my debt increase by {$1000.00} each month. What I owe is almost triple what I borrowed.
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Account Name : XXXX XXXX  Account Amounts : {$10000.00} XX/XX/XXXX I disputed this account with all three credit bureaus, XXXX, Equifax, and XXXX. There was an update XXXX reflecting a resolution, but my credit report still shows inaccuracies with the agency name and account numbers. According to the FCRA this account is not accurate. Please delete this account from my credit report.
Consumer complaint received 2016-04-22
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. (IN)

Repeated, daily phone calls, paper mail and emails. Calls made were repetitious and at inappropriate hours. Phone calls to family members, giving information about my debt when they were not given family member phone numbers or consented to give out information to them.
Consumer complaint received 2016-07-10
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BOK FINANCIAL CORP (NC)

My husband and I both received separate written letters from XXXX XXXX XXXX XXXX, XXXX claiming that they were collecting an unpaid debt from our mortgage lender, Bank of Kansas City. Our mortgage account is in good standing and has no unpaid balances or late fees and this has been confirmed by our lender. XXXX XXXX XXXX XXXX is falsely attempting to collect debt that does not exist in a predatory manner. It also appears that our mortgage lender sold information about our mortgage to this debt collector without contacting us and/or without our consent.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I contacted XXXX XXXX as Well as Navient to resolve as to why I was being called asking to defer or go into forbearance when I had been caught up on payment since Mid XXXX XXXX. When I spoke to XXXX they had no record of contact or loans since XXXX XXXX XXXX and that my loans were most likely transferred to Navient withot informing me. The gentleman then offered to transferred me to Navient. However when transferred I was Hung up on. Upon recalling Navient I was immediately told my account was over 100 days past due prior to even asking why I was calling. While trying to establish who I had been paying and on what loans XXXX ( the woman who I was speaking to ) continued to raise her voice and be unwilling to listen to what I was trying to resolve and told me my loans were most likely private loans and transferred me to that department. Upon transfer I was put on a loop with options that only left at the initial menu. I called again, after giving my social I was hung up on. Once again I called for a fourth time the person had no record of me graduating and listed as still in school even though I graduated in XXXX XXXX and had been making payment since XXXX XXXX. This person informed me they were going to transfer me to customer service to sort out why I was uninformed of my loan transfers to Navient from XXXX XXXX as well as how to straighten out " missed payment '' and " still in school status '' at which point I was once again hung up on and unable to reach a representative on call back. Since these calls I made on XXXX/XXXX/XXXX between XXXX EST and XXXX EST I reached out on XXXX on XXXX/XXXX/XXXX to consolidate my loans with another company to avoid the continued run around an lack of information from Navient as well as hits on my credit score and late payment fees.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

Navient is charging an exorbant amount in interest to their borrowers, making it almost impossible to pay off. Most of them will take 10+ years to pay off. I can not afford to pay that much interest simply because I chose to get a college degree. It is not fair to students to have to pay this much interest.
Consumer complaint received 2016-12-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

My current private loan payment is too high ( around {$310.00} per month. Some loans as high as 11 % interest rate! ) and they will not let me go into a reduced rate repayment program because I have a co-signer who refuses to cooperate. Instead I have to attempt to make this payment that I can not make and they will not accept a smaller monthly payment.