davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-02
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 (TX)

I have contacted Jefferson Capital systems LLC, several times to stop harrasing and falsely reporting an alleged debt with a company that I never did business with, XXXX. This issue was settled and dismissed years ago but they have continued to harrass and unlawfully report and list on my credit report time and time again, this was removed from my credit report they they continue to report it time and time again in the last 3 years, just constant harrazment. I have threatened to report them to the FTC for trying to collect on a zombie debt that passed all time limitations. They also when I have complained they have sold this debt to other collection agencies for collection and the harrazment continues thank you XXXX XXXX XXXX XXXX,
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. (OH)

Navient misallocated payments, steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release.
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. (MI)

I tried on several occasions to get on a reduced payment plan but they would n't accept anything less than {$150.00} plus even when I was homeless and only income was {$0.00}. The repeatedly told me that even if I had no income at all that {$150.00} was the minimum they could accept unless I was XXXX and even then I 'd still have to pay.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I have several loans with Navient. I always pay more than the minimum fee to take off more of the principal. Now looking at my account history for each of my loans, there are many instances where more interest was being paid than the principal. In fact ONLY interest was being paid on some of them for a period of time. After speaking with someone on the phone the amount of interest I have been accruing I believe is on a loan amount higher than it should be. She also advised me that my " account history '' was incorrect and that I needed to look at Account transaction history, which also did not appear correct based on the information she was giving me.
Consumer complaint received 2017-03-30
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (NY)

On several occasions, Home Depot ( Citibank ) was contacted because they did not apply my payments as instructed to my card account ending in XXXX. I contacted them a total of 6 times where I wanted the excess of my payments applied a promotional balance which is expiring in XX/XX/XXXX. In short, the payment was not applied that way even after escalting to several supervisors. After a lump payment of {$700.00}, i should have had a promo balance of approximately {$2.00} ( yes ... XXXX dollars ) and they consistently failed to apply the payment accordingly. After the XXXX time, I thought it best to go the CFPB route. Please do what you can to assist. 

Thank you
Consumer complaint received 2023-02-24
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

XXXX XXXX XXXX : XXXX College XXXX -- XX/XX/XXXX GraduateMy private student loans are being handled by Navient. I owe XXXX figures in student loans after spending XXXX years at XXXX College XXXX. I have not been able to afford my loan payments since losing my full time job in XX/XX/XXXX. Before that, while making payments and trying to catch up on missed payments Navient would call myself, my Mother and Father starting at XXXX sometimes more than XXXX times throughout the day. This went on for months. Even once having caught up to my loan payments and missed payments, they would still continue to call us daily to " remind '' us of the approaching due dates. 

Now, fast forward a few months ... they only call XXXX times a day, even though my work situation has not changed and I have informed them of this multiple times. I can not afford my student loan payments working a part time job and still continue to pay household bills. 

Today, Navient began calling family members and friends of mine I had n't seen in years telling them they had a " job opportunity '' for me and to get in touch with me to contact them. This seems absolutely ridiculous to me that they 're reaching out to people I rarely even talk to and bold face lying to them. If this is n't harassment, I do n't know what it is. 

XXXX XXXX
Consumer complaint received 2017-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

I have 4 Stafford loans that have been eligible for loan forgiveness for the last 12 months, but Navient never contacted me to indicate that I may be eligible. I, therefore, paid about {$3500.00} in student loans that could have been forgiven a year ago because I am a nurse and have worked in a XXXX hospital for the last 36+ months ( now 48 months ). It seemed as though Navient did not want me to learn this information. There were 4 steps to get to the link with the Care for XXXX Nursing Loan Program information on it. Also, unless a client were struggling to pay student loans, I do n't think that they would typically go looking for loan forgiveness programs, such was the case for myself. I feel as though Navient should reach out to its clients who qualify or may qualify for these programs to let them know.
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (WA)

On   XXXX   XXXX   XXXX   XXXX  , notification  ( via email on the loan servicing site ) was received that a private student loan serviced by Discover would be increasing in interest rate from 3.25 % to 3.5 %. When logging in on  XXXX / XXXX / XXXX  to make the required monthly minimum payment of {$230.00}, the minimum payment shown was instead {$370.00}. Called Discover, they explained that the 63 % increase in minimum payment on a loan with a {$3600.00} balance was due to the increase in interest rate. When challenged, I was put on hold and they came back to state the following : we noticed you were making extra payments on the loan, so we changed the terms of the loan. You now only hav e 10 m ore monthly payments to make. This increased your required monthly payment to   XXXX   XXXX  /month.     Is it legal to change the terms of a loan without notification and agreement from the customer? Making extra payments does not imply consent to decrease the loan term. It also does not imply that I will always have extra money to put toward the loan each month and am agreeable to these new terms. Telling a customer the increase is due to a 0.25 % increase in interest rate on a loan with a {$3600.00} balance and 8 years left in the term is not truthful or logical. When the interest rate went from 3 % to 3.25 % in    XXXX   XXXX   XXXX  ,  and the balance on that loan was {$9600.00}, the monthly payment increased by {$1.00}.
Consumer complaint received 2017-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA (TX)

Originally consolidated student loans in XXXX timeframe of 2016. All loans were transferred to fedloan servicing as requested. Received documentation that all was fine and all $ XXXX balance was consolidated and placed on an income driven repayment per request. In XXXX for some reason a portion of the loans were returned and sent to collections ; the total is roughly XXXX. We contacted fedloans and due to the original application being over 6 months old we had to resubmit a consolidation app for the loans to be reprocessed out of default. A few concerns : 1. Loans were originally consolidated and should n't have been reversed 2. Should n't be in default as the original consolidation rectified that 3. XXXX is n't reflecting currently in default but am receiving collections attempts from XXXX Ultimately want to have the original consolidation back in place to include all the federal loans. There was no reason for the loans to be removed an placed in default after the original consolidation. There seems to be a breakdown in communication between debt management solutions, XXXX and fedloans servicing. We have attempted to resolve this matter to no avail. They are now stating/attempting to garnish wages and there should n't be due to the original consolidation.
Consumer complaint received 2016-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NY)

Got a requirement to recertify for my Income Driven Repayment XX/XX/2015. Payments have been lost, payment schedule has changed a half a dozen times finally being put on a repayment profile that is far from the least expensive because half of my loans do not qualify for the new repayment strategy that they charged me fees to get on because they said that the lower repayment rate would pay back the rates.
Consumer complaint received 2016-05-13
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (GA)

My savings account @ Suntrust Bank in XXXX XXXX, Georgia was compromised in the amount of {$2500.00} on XXXX XXXX, 2016. It was transferred to my checking account without my knowledge or consent. The bank said there was nothing they could do. I am a XXXX, XXXX & XXXX in Origin. I reported the Fraud to the Bank & the Suntrust Fraud Division, and it is allegedly under investigation. I took out a Police Report in XXXX, GA. The Bank is taking a passive attitude towards my plight, because I 've worked so hard to save that Emergency Savings, and to see it all gone, and the Bank does n't care. I behoove anyone, especially XXXX to not use Online Banking, because your accounts will be hacked online. I am a living witness.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NV)

I have XXXX Direct loans from XX/XX/XXXX that I have been paying off. I went back to school in XX/XX/XXXX and accumulated more Direct Loan debt. After graduating in XX/XX/XXXX, I had to switch to an income based repayment plan from the standard repayment plan because I was not able to locate a job right away. The standard repayment plan period is 10 years, and I had been on that since XX/XX/XXXX. Then once I got a job in XX/XX/XXXX I switched back to a standard plan for all of my loans from the income based repayment plan. I was told that the repayment terms for all of my loans, which includes the older loans from XX/XX/XXXX in addition to the new loans that I started paying off in XX/XX/XXXX, was going to be 10 years. Instead of paying off my original XXXX loans in XX/XX/XXXX, which was the end of original loans ' repayment term, I will now be paying them off over another 10 year period until XX/XX/XXXX. I was never told this would happen if I switched my loan repayment plan ( it was never in writing or disclosed to me on the phone when I called to make the change ). It all seems unfair and deceptive. The loan servicing company is now making more money from me by collecting all that additional interest that comes with extending my repayment plan another 10 years for these XXXX loans, when I could have had them paid off by now if I had been able to keep them on the original repayment terms.
Consumer complaint received 2017-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUMMIT FUNDING, INC. (CA)

In XXXX of 2016, we sent a letter to our mortgage company, Summit Funding, requested the PMI be removed from our home loan. They responded with a letter stating we had to pay Summit FundingXXXX {$420.00} for an appraisal. We paid this in XXXX of 2016. No appraisal was ever done, Summit FundingXXXX cashed our check but never followed through with the appraisal. We were told by a XXXX XXXX employee in XXXX of 2016 that the money would be refunded to us. We have not been refunded our money. Our last contact with XXXX XXXX was a curt e-mail response to us : " Per the notes on your account there is no refund due for the appraisal fee ''.
Consumer complaint received 2015-10-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: General Financial, Inc. (AE)

I had some financial difficulties and decided to apply for a loan through Just Military Loans. Now I know it is my responsibilty to read everything and that I am responsible for my debts, but I do not feel it is right to charge 80 % interest rate on any loan. I know that throught the SCRA I could reduce it to 6 % if i accured the loan before active duty, but even after you enter Active Duty I believe there should be a cap on the interest rate a company can charge you. This should go for any consumer loan company.
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (FL)

My loan that was initiated with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and was serviced by XXXX. Due to family hardship, at the end of XXXX I fell behind on my payments for few months. After applying for a modification plan and being finally approved for a modification with specific trial amounts, my loan was sold few days later and transferred in XXXX XXXX by XXXX to a new servicer /Fay Servicing LLC . Right away, I made contact with Fay Servicing to start making those payments. Fay Servicing asked me to re-apply and re-submit all the documentation in order for my loan to be considered for a possible modification by the new owner -XXXX . The old modification approval from XXXX was void. However, they agreed to take payments from me every month from the moment my loan was transferred to them, while my file was reviewed for a possible modification plan.The review was extensive. They kept asking for documentation that I previously sent or new documentation, denied me for missing documents that I already provided but got lost and asked me to reapply again ... The way Fay Servicing has been applying my payments and extra payments to XXXX loan and escrow was very ambiguous and hard for me to understand on my statements. When I reached out to Fay Servicing to help me understand the customer service was able to only take my monthly payments but for issues they referred me to the account manager as the only person that I can discuss my account. The account manager was always very hard to get hold of when I was available, intentionally calling me back when I was at work and not able to respond and discuss. For many months, he denied me access to view my loan online because my loan was not up to date and he would not follow with any of my concerns. Eventually in XXXX my financial situation improved with my husband finding a job and I was able to bring my payments up to date. At the end of XXXX I called the account manager and informed him that I was refinancing my loan with another institution and asked him if there are any additional fees that I should be aware of besides the loan balance. After checking my account, he said no. The payoff included a charge of {$430.00} called corporate advance that I was never made me aware of. When I called and asked for details on it, the account manager said that it is related to foreclosure process they started even thou they accepted my payments every last day of each month, never missing one month since I was transferred to them from XXXX.
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. (MD)

In XX/XX/XXXX I attended college and with the help of my sister who cosigned for me, I was granted a loan for {$1100.00}. During the XX/XX/XXXX I completed an internship and this is when the harassing phone calls began. In the XX/XX/XXXX I was not working nor was I in school. I informed XXXX/Navient that I was unemployed and not in school, but they still harassed me and insisted that I pay. In XX/XX/XXXX I went back to school ( and informed them that I was in school but that did not stop them from continuing to harass me with the phone calls demanding payment. I had a struggle with attending school due to financial issues. I finally graduated in XX/XX/XXXX and they were not willing to lower my payments, nor offer the deferment, nor the forbearance. To this day they have been harassing and threatening me for payment. I informed them that I was only working as a waitress and could not afford those high payments. They literally had me in tears with the threats and harassing and unwillingness to assist me with the above. They told me that I had to give them my bank information for the high payments regardless if I could afford them or not. I felt as if I had no choice, even though I knew and told them that I would not have the money. This has resulted in late payments, which I never agreed to make, and in the process, has caused me to have delinquent payments on my credit ( and the credit of my cosigner - which they have been harassing as well.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Once again I discovered that one particular account on my credit report was incorrect when I reviewed it. I sent a letter previously to verify the misleading account and here I m again to complain again in order to verify this account Here is the aforementioned account : XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Grant Mercantile Agency (CA)

I am unable to get all reports EXXXX XXXX WILL NOT RELEASE MY REPORTS I HAVE CALLED THEM SEVERAL TIMES. 
XXXX  has information on the account unknown and inaccurate incorrect payment amounts on accurate accounts such as XXXX   XXXX  payments. Its preventing me from getting a loan and growing my business I would liked this information removes XXXX XXXX XXXX XXXX AND OTHER CREDIT AMOUNTS CHECKED FOR UTILIZATION AND THE BLOCKS REMOVED FROM MY REPORTS XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/333 XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2009 2009
Consumer complaint received 2017-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AR)

Dear Sir/Madam, My original loan was XXXX of which I only received a portion of books back in XX/XX/1990. Since then I have paid thousands of dollars, reconsolidated and the loan was sold again to navient which have added thousands of accrued interest to it making it a whopping XXXX. My school also violated terms of agreement by ( closing and not providing services as lifetime course entitlement ). If they closed and I 'm not getting what was promised why should this loan continue? 
I am considering a lawsuit as this is unjust and unfair interest practices during deferment and hardships.
Consumer complaint received 2018-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/XXXX, I was notified via email, texts, and phone calls that there were possible fraudulent purchases made on three ( 3 ) of my major credit cards. Of the three credit cards, XXXX, now Barclays, was the only one that rejected my complaint that the purchase, were not mine. The purchase on the Barclays card was for {$1500.00} at the store, XXXX, in XXXX NY. 
When I first received the notifications that purchases were made on my cards I believed that my cards were still in my possession. Unknown to me, at that time, my cards were stolen out of my vehicle. I confirmed to all credit cards that the purchases were not mine. Barclays initially made a refund, but then rejected my claim because that the physical card was used at the store, and stated that they have place the amount back to my card. I later spoke to a representative who told me that I had to make a police report. That is when I did and faxed in a copy to them. 
I also made a fraud alert report to all three credit reporting agencies. Barclays has continue to report my account as delinquent, with interest and late fees added each month. As a results, my credit score has  dropped from XXXX in XX/XX/XXXX to XXXX and dropping because of Barclays report.