davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-12
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: Williams & Fudge, Inc (FL)

I have a long history of dealing with Williams & Fudge. 
They have impersonated police officers & lawyers, and threatened me with arrest. 
As such I have sent them letters - plural - instructing them not to contact me by phone, and filed prior complaints with the FTC regarding these practices. 
Tonight at XXXX I received a call from their office in XXXX XXXX, South Carolina, phone number XXXX. 
When I pointed all of these facts out to their representative XXXX XXXX, she responded that they had never communicated with me before, and then hung up when I asked to speak to her supervisor.
Consumer complaint received 2016-12-11
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Williams & Fudge, Inc (WA)

On XXXX XXXX, 2016 I recieved a notice on my credit report that the Debt Collection Company Williams & Fudge Inc. had posted a collection account on my credit report. I was never notified by phone or mail that I had a collection account with Williams & Fudge Inc. as required by law. Because I was n't notified about this collections account I did not have the opportunity to resolve or verify the accuracy of the account to respond on whether the account belongs to me or not.
Consumer complaint received 2017-04-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

My stepdad cosigned a private educational loan through XXXX for me. Years later I was making minimal payments to XXXX on the private educational loan. When I filed for bankruptcy, I was informed that my student loans including the private educational loan with XXXX would stay as they were. After I my bankruptcy was discharged, I learned that Navient had taken over the loan. However, Navient changed the private educational loan to a personal loan with just my stepdad 's name on it. We spent almost a year trying to understand how an educational loan could be turned into a personal loan with Navient management. Navient management could n't find the source of how an educational loan was turned into a personal loan but refused to correct it. My parents finally just made a repayment plan that I could afford. We have been making payments every since.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WV)

I have called several times to work out a payment plan that would work for my budget. I have been repeatedly told/forced to take a forbearance rather than allowed to set up a payment plan that would work for my budget. I would like to pay on my loans but feel that because I can not pay the outrageous {$800.00} a month payment, I 'm being forced into deferring or forebearring my loans to get more interest out of them.
Consumer complaint received 2017-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CL Holdings LLC (IN)

Jefferson Capital Systems attempted to collect a debt from me on a XXXX XXXX account from 2013. We have repeatedly explained that this is not my account, but no one will remove it, including XXXX. We 're getting more and more angry as time progresses as the tactics get insane and obscene. They 're now harassing my father as a result.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (SC)

Chapter XXXX bankruptcy was filed in XXXX XXXX. Navient was one of several creditors notified of the filing. On XXXX XXXX, Navient reported to the XXXX major credit bureaus, XXXX, XXXX, and XXXX from XXXX - XXXX XXXX. In XXXX, they reported it as 90 days past due with the addition of 30 days up to and including XXXX which has me at 240 days past due. I 've had several conversations with Navient reps and have filed multiple disputes with Navient and through the credit bureaus. On XXXX/XXXX/XXXX, I spoke with two floor supervisors XXXX and XXXX. Both informed me that I would need to speak with New York XXXX XXXX XXXX XXXX XXXX ( XXXX ) to have them make the necessary updates in their system to reflect the bankruptcy back to XXXX XXXX so that they, Navient could reverse the negative reporting filed since per Navient, they do not have jurisdiction to remove the erroneous reporting because XXXX has to make updates to their system, in turn Navient will mirror their report. XXXX/XXXX/XXXX, I contacted XXXX, and spoke with a gentleman in the collection department, he informed me that Navient does have the jurisdiction and ability to reverse their report to the credit bureaus and that under the bankruptcy guidelines, they should not have reported the account as delinquent. XXXX rep shared that there is nothing that they can do on their end to reverse the negative reporting because it was Navient who was reporting to the XXXX bureaus monthly despite the bankruptcy notice. When I contacted XXXX, they directed me to you, the Bureau of Consumer Financial Protection for assistance. I am requesting assistance with having these two entities work together to have the late payment, past due payment, and balance amounts corrected with all three credit bureaus as soon as possible as reporting should not be made to credit bureaus while in bankruptcy.
Consumer complaint received 2015-06-16
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (DE)

I spoke with someone in XXXX regarding my private student loan through navient. She was very rude and was not helpful at all. I attempted to correspond through mail and asked that they stop the phone calls and contact me by mail. They have continued to call me, sometimes XXXX times a day, and have told me they ca n't correspond by mail. I spoke with someone in XXXX and again that was not productive. He was again rude and threatening. I just spoke with someone who was again rude and threatening. I am tired of being harassed when i have been corresponding with their company. I have requested documentation in terms of the loan in question and they only sent me half of it and i was told they ca n't send the rest i have to find it online. They have now begun calling anyone that may be associated with me, including my brothers mother in law, who has no part of this situation at all. Even after my mother asked them to stop calling this is being handled through the mail, they continue to call repeatedly.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

My student loans are with Navient I applied to have payments reduced via some sort of repayment plan back in XX/XX/XXXX ... I later found out that all my loans were reporting separately as individual loans even though I had consolidated them years ago while they were under XXXX I called navient and I was told to do a request to have them consolidated again so that they report at XXXX loan instead of XXXX separate loans ... so I did ... then areond XX/XX/XXXX I received a letter about my repayment request saying I did n't turn documents in which I did and then I called and the rep located them and said she was forwarding them over. A few weeks later I received a letter saying I had a payment due XX/XX/XXXX even though my loans were in defferment until XX/XX/XXXX. I called and was told the loans were paid off because of the consolidation but my application for repayment plan was still being processed and there was nothing I needed to do .... now weeks later the loans are still reporting to the credit bureaus as XXXX individual loans and as personal loans ( even though they are student loans and were previous reported as such ) but on navients site they show as XXXX lump some with XXXX payment ... I also have not received anything further regarding my repayment options or application .... this has been the worst process ever and I have been patient yet getting no where with them..
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

After graduating from law school, my stepfather was helping me make my loan payments. I never missed a payment or requested my monthly payments be reduced. My stepfather unfortunately passed away unexpectedly XX/XX/2015, and all of our family 's assets were tied up in his estate. I was no longer able to pay my loan, which at the time was over $ XXXX/month. I applied for a forbearance based on financial hardship, and maintained my forbearance for six months. When I came out of forbearance, I requested an income-based repayment plan, which was granted, but brought my payment down to $ XXXX/month, which was also an extreme hardship for me. I was told this was the lowest possible rate. However, after only a couple of months later, Navient increased my payments by over {$400.00} per month. When I called to try and reduce these payments, I was heavily encouraged to apply for another forbearance. I was instructed that the payment rates had been bumped up by the Department of Education. I tried once again to apply for income-based repayment, and then Navient told me that they had to calculate my payments based on my combined GROSS income with my husband. Mind you, my husband also pays {$1000.00} a month to Navient for his own loans. That means they were calculating my payments based on combined, pre-tax, pre-Navient payment income. When I tried to point out how wrong this is, I was just told that was policy. Then, they told me that the {$400.00} bump ( now a $ XXXX/month payment ) was actually LOWER than the rate would be if I had elected IBR. This was the ABSOLUTE LOWEST they would go. Any time I requested a reduction, I was encouraged once again to apply for forbearance. Again, I have never defaulted. I have never missed a payment unless on official forbearance. I am an attorney with a good job, and I have not been able to save to buy a house with my husband or put anything away for retirement. Half of my income goes toward my loan payments, causing extreme financial hardship for my family.
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (AZ)

This complaint is not as much about the servicer of my private loans than my college whom forced me to take the loans. 
The college which I attended, Illinois XXXX XXXX XXXX - XXXX, used deceptive practices to minimize the effect of taking private loans versus federal loans. Additionally, they were not transparent at all about the total costs that tuition would net. As a result of their deception, they offered a XXXX course leading to a XXXX XXXX XXXX but offered very limited assistance with finding a job after graduating! Their major courses were too broad and did not allow for enough focusing of education and since they were only a XXXX program, also did not give enough time to adequately learn enough about the industry to adequately get a career in one 's chosen field ( while at the same time costing WAY more than a typical XXXX program in other colleges ). 
All of this happened to me, and in the end, I was stuck $ XXXX worth of loans, and very limited prospects of being able to pay them back since I could not land anything but minimum wage jobs with my near-useless degree. I have since been able to have sopme of that debt removed, the federal parts of the loan, but I am still deep in debt with about {$65000.00} in PRIVATE loans that must still be repaid. I STILL do not have a job in my chosen field, and my degree has still yet to come into play. 
I urge you to investigate Illinois XXXX XXXX XXXX 's corrupt For-Profit business practices and see to it no one else is deceived and screwed over by them.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

I was given a loan payment amount that was above what I could afford. I advised as to what I could pay and they would not accept it, rather they suggested that I either defer my payment or get the income based repayment plan which put my payment at XXXX which means that interest is compounding which will make it impossible to pay back. I cant afford to pay them back and they provided information that is hurting me more than helping me. I even inquired about lowering the interest rate and I was told that could not happen. I will be in debt until I die due to the unwillingness of this company to be honest about the way payments, and options and billing are handled. They manipulate us by telling us that there is no other option available. I have XXXX children at home, XXXX that will XXXX in 2 years, so I will be trying to pay for his education along with paying for mine which is ridiculous.
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

I am part of the population who has been taken advantage of by Navient and want to be supported by your suit. I had been pushed into for a fence during the economic crash in 2009 and have more debt now ( 9 years later ) than I did when I took out the initial loan. Even after paying on time for years! ). I feel like a helpless victim who had tried on numerous accounts to get help but to no avail.
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Torriere Holdings INC (TX)

I am a consumer and consumers have the right to privacy. Privacy is defined as the right not to have ones personal matters disclosed or publicized ; I am a living man and I have the right to be left alone. In addition to consumers having the right to privacy your company is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. '' Which is what SPIRE RECOVERY SERVICES is doing by demanding I owe an alleged debt. I do not have a contractual obligation to SPIRE RECOVERY SOLUTIONS as I have never signed a contract with them nor gave them consent to have any of my private information. SPIRE RECOVERY SOLUTIONS are not compliant with the GLBA because they failed to send me the required notices.
Consumer complaint received 2017-02-05
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 had my accounts in deferment and then forbearance before refinancing them to XXXX XXXX then turned naviennt solutions reported to all credit bereaus that XX/XX/XXXX to XX/XX/XXXX my student loans were XXXX days late. For XXXX those do n't even equal XXXX days late and I was in forbearance and then deferment and then refinanced them to XXXX so nothing should be showing late on any of these student loans with XXXX which is now naviennt solutions. I want this fixed asap
Consumer complaint received 2017-02-13
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: The CBE Group, Inc. (OH)

I receive a monthly credit score report furnished by XXXX. I noticed that my credit score dropped from XXXX ( XX/XX/XXXX/XX/XX/XXXX ) to XXXX XXXX XX/XX/XXXX/XX/XX/XXXX ) on my most recent statement. I have no outstanding debt outside of my student loans and all of my bills are paid on time. I obtained my equifax credit report on XX/XX/XXXX and there was nothing outstanding, but there was a collection reported. The company CBE Group had a collection for {$49.00}. The report did not provide anything other than the date assigned ( XX/XX/XXXX ), the date of first delinquency ( XX/XX/XXXX ), date reported ( XX/XX/XXXX ) the last XXXX digits of an account number, and a creditor classification : retail. I have lived at the same address and have had the same phone number for 6 years. I NEVER received any type of communication from CBE. I 've NEVER received any communication of any sort saying my account was going into collections. There were no outstanding accounts on my credit report. I have tried repeatedly to contact CBE Group by phone and through their website ( I ca n't write to them because they did n't include a mailing address on the report and I never received a letter ) and I have n't been able to get to anyone. I try to call the phone number on the website XXXX, I can get through the first prompt and then the second prompt disconnects the call. This is EXTREMELY frustrating. The first thing I need is to know who the creditor is and I ca n't even get that. This mistake is causing a negative impact on my credit and I ca n't even get information on who I did n't pay. Just an aside, when I tried to look up CBE I noticed a number of pending lawsuits for fraudulent reporting. Please tell me what to do.
Consumer complaint received 2016-11-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (LA)

I am located in a place where there is a natural disaster lost my job and requested a forbearance. My Loan was changed from XXXX to Navient. However, Navient will not allow me to file for a forbearance until i give them a checking account number which is wrong. Why should i have to give them a checking account number into order to file for a forbearance that 's illegal. My account with Navient is Account # XXXX. I have refused to give them a bank account number so they are reporting negative things towards my credit score. I really wish Navient would be shut down their tactics are disgusting
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NJ)

On multiple, yet separate occasions, I have submitted online payments towards my monthly bill for Navient. Although paying before the due date, I seem to get an email stating that my account is past due. When looking at my online statement, I see a notice stating " payment not processed ''. Of course, I called my bank to see if it was an issue on their end, and it was n't. I made another payment, and instead of cancelling the second payment, Navient has accepted the payment, and continued to charge me for the next month. I can prove, mind you, that I have not been late on any monthly payments. I also had to consolidate my loans after XXXX XXXX closed, causing my balance to double. I can not defer payments, they will not lower payments, and they keep insisting on forbearance for a year, paying only what I can. I have done this once, and noticed that my interested doubled. No thank you. Let me also add that you can no longer make payments online using a credit card. You have to call and use a debit card to make a payment over the phone, and customer service is not the easiest to deal with.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

I feel as if I was over charged and constantly harrased with letter and phone call from Navient. Why was my loan even sold to another company I 'm still so Unsure of that also? Then the late fee 's and interest are just way to high this is not what I started off with when I had XXXX. I am on fixed income ssi every month there is no way I can afford these interest rates they are NOW applying on my account.
Consumer complaint received 2015-09-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

navient refuses to work with me in repayment, I was on an IBR plan and was able to maintain my monthly payments for a few years, then when I tried to reenroll in the program I had to submit pay stubs and bank statements, then was told I did n't qualify for the program and the only other option I have is autopay of {$420.00}. I can not afford this and repeatedly told them and a manager, only to be told " it does n't affect them '' I am able to afford up to {$250.00} but they refuse to do anything to help. over the last 8 years they have added an additional XXXX to my loan because they have refused to work with me during difficult times and unemployment. I am ready to just default and say forget it rather than, give them all of my money and live in poverty due to student loans. I NEED HELP!!
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (RI)

XXXX XXXX, RI XXXX JEFFCAPSYS XXXX, MN XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2800.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.