{"took":191,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":760,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"2959611","_score":17.786518,"_source":{"product":"Student loan","complaint_what_happened":"Ameritech was supposed to be helping to get out of default with my student loans. I was paying the {$100.00} dollars per month and my income tax check was taken for XX/XX/2017. My income tax check was not supposed to be taken and they harassed me about making the monthly payments. Ameritech / XXXX XXXX  made my bank account overdrawn of which I had asked them not to go into my bank account because they were not helping me. I have emails to prove it. I was so upset. I do not have the money to pay my loan off and I was under the impression that I was not in default anymore due to Ameritech was supposed to be helping me. \n\nMy first payment to them was for {$140.00}. XXXX in XX/XX/2017. The regular payments was {$100.00} per month. I was struggling to pay that amount. I want my money refunded and the amount of my income tax check and I had to pay XXXX XXXX {$100.00} dollars due to the check was taken and they would have taken their money out of my income tax refund check. I think Ameritech should give me back all of money. I am struggling to make ends meet and this happens to me when I am trying to pay student loan. My credit is destroyed when they reassured me my credit would be okay in a few months.","date_sent_to_company":"2018-07-11T15:57:45.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"19120","tags":null,"has_narrative":true,"complaint_id":"2959611","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"Ameritech Financial","date_received":"2018-07-11T15:37:25.000Z","state":"PA","company_public_response":null,"sub_issue":"Trouble with how payments are being handled"},"highlight":{"complaint_what_happened":["I want my <em>money</em> refunded and the amount of my income tax check and I had to pay XXXX XXXX {$100.00} dollars due to the check was taken and they would have taken their <em>money</em> out of my income tax refund check. I think Ameritech should give me back all of <em>money</em>. I am struggling to <em>make</em> ends meet and this happens to me when I am trying to pay student <em>loan</em>. My credit is destroyed when they reassured me my credit would be okay in a few months."],"product":["Student <em>loan</em>"],"sub_product":["Federal student <em>loan</em> servicing"]},"sort":[17.786518,"2959611"]},{"_index":"complaint-public-v1","_id":"4068209","_score":17.504816,"_source":{"product":"Student loan","complaint_what_happened":"wondering why I have not received any settlement from XXXX as I was a student that enrolled during the time period that was greatly deceived as far as finding a better job and helping me make more money. I am currently paying the loan and it seems I did not get any type of refund for this.","date_sent_to_company":"2021-01-14T16:58:51.000Z","issue":"Dealing with your lender or servicer","sub_product":"Federal student loan servicing","zip_code":"774XX","tags":null,"has_narrative":true,"complaint_id":"4068209","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2021-01-14T16:52:38.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["wondering why I have not received any settlement from XXXX as I was a student that enrolled during the time period that was greatly deceived as far as finding a better job and <em>helping</em> me <em>make</em> more <em>money</em>. I am currently paying the <em>loan</em> and it seems I did not get any type of refund for this."],"product":["Student <em>loan</em>"],"sub_product":["Federal student <em>loan</em> servicing"]},"sort":[17.504816,"4068209"]},{"_index":"complaint-public-v1","_id":"9023502","_score":17.469717,"_source":{"product":"Student loan","complaint_what_happened":"I CO SIGN TO SEND MY DAUGHTER TO XXXXXXXX XXXX OVER XXXX IN STUDENT LOANS AND 10 YEARS LATER MY WIFE HER MOTHER DIED AND IN THE SAME YEAR I HAD A MASSIVE XXXX THAT LEFT ME TOTAL XXXX. I HAD TO LEAVE WORK AND GO ON SOCIAL SECURITY XXXX MY DAUGHTER STOPPED MAKING HER STUDENT LOAN PAYMENTS TO NAVIENT. I TRIED TO KEEP UP WITH HELPING HER PAY HER LOANS BUT EACH PASSING YEAR IT GOT HARDER. SO I APPLIED FOR LOAN FORGIVENESS BUT NAVIENT SAID I AM NOT ELIGIBLE FOR STUDENT LOAN FORGIVNESS AS A CO SIGNER SINCE IM NOT THE PRIMARY LOAN SIGNER ONLY THE CO SIGNER. I ASK IF THEY COULD HELP ME BY CONSOILDATING HER LOANS INTO ONE WITH FIX INTEREST RATE AND AGAIN THEY SAID NO BECAUSE IM NOT THE PRIMARY. I TOLD THEM IF I BECOME UNABLE MAKE PAYMENTS AND SHE WANT PAY WHAT HAPPENS THEY SAID THEY WILL COME AFTER ME FOR THE TOTAL LOAN. I HAVE DELIGENTLY TRIED TO AS MY DAUGHTER TO HELP AND SHE HAS NO MONEY OR INTEREST IN HELPING ME MAKE HER LOANS PAYMENTS. IT MAKES NO SINCE THAT THEY MAKE NO EFFORT TO COLLECT FROM HER, BUT HAVE NO PROBLEM MONTHLY HARSING ME VIA TELEPHONE THREATING ME THAT MY STUDENT LOAN PAYMENTS ARE DUE KNOWING I AM XXXX  AND FAIL SHORT EVERY MONTH MAKING LATE PAYMENTS. \n\nPLEASE HELP XXXX CO SIGNER","date_sent_to_company":"2024-05-16T23:58:58.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"321XX","tags":"Older American","has_narrative":true,"complaint_id":"9023502","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2024-05-16T22:50:43.000Z","state":"FL","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["I HAVE DELIGENTLY TRIED TO AS MY DAUGHTER TO HELP AND SHE HAS NO <em>MONEY</em> OR INTEREST IN <em>HELPING</em> ME <em>MAKE</em> HER <em>LOANS</em> PAYMENTS. IT <em>MAKES</em> NO SINCE THAT THEY <em>MAKE</em> NO EFFORT TO COLLECT FROM HER, BUT HAVE NO PROBLEM MONTHLY HARSING ME VIA TELEPHONE THREATING ME THAT MY STUDENT <em>LOAN</em> PAYMENTS ARE DUE KNOWING I AM XXXX  AND FAIL SHORT EVERY MONTH MAKING LATE PAYMENTS. \n\nPLEASE HELP XXXX CO SIGNER"],"product":["Student <em>loan</em>"],"issue":["Struggling to repay your <em>loan</em>"],"sub_product":["Private student <em>loan</em>"],"sub_issue":["Can't get other flexible options for repaying your <em>loan</em>"]},"sort":[17.469717,"9023502"]},{"_index":"complaint-public-v1","_id":"2436532","_score":17.19062,"_source":{"product":"Student loan","complaint_what_happened":"I am currently paying between 7.5 % and 6.25 % interest on my loans. My home is at 3.25 % and I have an asset, what is the asset I received from college? I understand they need to make money, but they were given money at 0 % from the FED and charge me 7 % for something that is helping society if I get a job and pay taxes. This is an issue that must be dealt with.","date_sent_to_company":"2017-04-14T14:33:41.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"32205","tags":null,"has_narrative":true,"complaint_id":"2436532","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SLM CORPORATION","date_received":"2017-04-14T14:33:41.000Z","state":"FL","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Can't decrease my monthly payments"},"highlight":{"complaint_what_happened":["I am currently paying between 7.5 % and 6.25 % interest on my <em>loans</em>. My home is at 3.25 % and I have an asset, what is the asset I received from college? I understand they need to <em>make</em> <em>money</em>, but they were given <em>money</em> at 0 % from the FED and charge me 7 % for something that is <em>helping</em> society if I get a job and pay taxes. This is an issue that must be dealt with."],"product":["Student <em>loan</em>"],"issue":["Can't repay my <em>loan</em>"],"sub_product":["Non-federal student <em>loan</em>"]},"sort":[17.19062,"2436532"]},{"_index":"complaint-public-v1","_id":"5888341","_score":16.696262,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I currently obtained an auto loan through Hyundai Motor Finance in XXXX of XXXX. I am trying to pay my loan off faster. When I go online to make a payment there is no principal only payment or additional principal payment option. It will only allow me to make a payment. I called the company today and was informed that I am correct. They do not offer these options. The individual who was helping me at Hyundai Motor Finance call center said I can make a payment, then wait three days, call the finance department to then apply that payment to principal only. I will have to do this every single month, as I plan on making an additional principal only payment every month. Not only is this a complete hassle for the consumer, but I deal the company is making it hard to pay off the loan in a quicker manner. This in turn costs me more money and ensures they make more money. This is bad business practice and I find it cunning and unethical. I would like to see an option on the online payment screen to offer additional principal and principal only options. Thank you, XXXX XXXX","date_sent_to_company":"2022-08-18T00:09:04.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"89130","tags":"Servicemember","has_narrative":true,"complaint_id":"5888341","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2022-08-17T23:53:54.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["This in turn costs me more <em>money</em> and ensures they <em>make</em> more <em>money</em>. This is bad business practice and I find it cunning and unethical. I would like to see an option on the online payment screen to offer additional principal and principal only options. Thank you, XXXX XXXX"],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[16.696262,"5888341"]},{"_index":"complaint-public-v1","_id":"4041821","_score":16.434803,"_source":{"product":"Mortgage","complaint_what_happened":"In XXXX of 2020, the COVID-19 global pandemic began hitting the American economy hard. Wells Fargo decided to put it's customers on a \" forbearance '' many did not ask for this. Wells Fargo did this as a public relations stunt, to make it seem as if it was helping it's customers. \n\nFor me, I was told that they would pause my payment, and I could just make up for the payment at a later date. I was in a position to borrow money from a family member and continue my mortgage payments as normal, but Wells Fargo convinced me that they would simply pause my mortgage and that their \" forbearance '' was a better option. \nIn reality what they were doing was creating a new loan/debt in my name, so now i have a new loan to help pay for the loan I already have with them. I now own XXXX more than I did in XX/XX/2020. I have made 3 payments to my mortgage ( XXXX XXXX XXXX XXXX and I still owe more than I did in XXXX ... \nOn top of this misleading new debt/loan, they are now telling me that I can not pay it off until I pay off my entire home mortgage. \n\nWells Fargo, in an attempt to look humane, and decent in the face of an economic recession, while hard working Americans were losing their jobs and in some case losing family and friends to COVID, were manipulating their own customers into a new loan. While the economy crumbled, Wells Fargo ( the same company that created fake accounts in its customer 's names ) decided to trick people into larger debts by lying and manipulating us into believing they were just going to \" pause '' our payments. \n\nDuring a crisis, the company found a new way to squeeze money out of its customers, rather than actually helping us out. In the name of doing a good thing, under the guise of helping their customers out, they created this scheme. Deceiving and manipulations might be fraudulent activity, but it is absolutely unethical and amoral behavior by a very wealthy and powerful company that continues to break the backs of average Americans.","date_sent_to_company":"2020-12-31T23:20:35.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"902XX","tags":null,"has_narrative":true,"complaint_id":"4041821","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-12-31T22:47:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Wells Fargo did this as a public relations stunt, to <em>make</em> it seem as if it was <em>helping</em> it's customers. \n\nFor me, I was told that they would pause my payment, and I could just <em>make</em> up for the payment at a later date. I was in a position to borrow <em>money</em> from a family member and continue my mortgage payments as normal, but Wells Fargo convinced me that they would simply pause my mortgage and that their \" forbearance '' was a better option."]},"sort":[16.434803,"4041821"]},{"_index":"complaint-public-v1","_id":"5165661","_score":16.250994,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been an active responsible member of money lion since XX/XX/2019. Since then I have paid off 4 successful personal loans one of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. \n\nSince then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. \n\nNot only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self esteem in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.","date_sent_to_company":"2022-01-30T22:27:58.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07206","tags":null,"has_narrative":true,"complaint_id":"5165661","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-01-30T22:27:53.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have repeatedly reached out for them to <em>make</em> this inaccurate report right because it's affecting my credit score when it should be <em>helping</em> me."]},"sort":[16.250994,"5165661"]},{"_index":"complaint-public-v1","_id":"5165671","_score":16.242283,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I have been an active responsible member of money lion since XX/XX/2019. Since then I have paid off 4 successful personal loans one of them being the personal loan they have marked as payment status derogatory and charged off as ifI never paid the loan but I did and have evidence I will be attaching on here. \n\nSince then they have approved me for several personal loans that I have made right, made payments on time and paid back all of my loans. I have repeatedly reached out for them to make this inaccurate report right because it's affecting my credit score when it should be helping me. \n\nNot only that but it's also making harder to get approved for other loans and higher interest rate that would help me further my life because I have shown through my payments and my continuous loans they have given me that I can be trusted, I am responsible however this inaccurate report does say that and its affecting my self esteem in feeling like I can help my family being a co-signer on auto loans that would help them out but this stopping me from even helping my family and that really hurts me emotionally.","date_sent_to_company":"2022-01-30T22:27:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"07206","tags":null,"has_narrative":true,"complaint_id":"5165671","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2022-01-30T21:11:03.000Z","state":"NJ","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["I have repeatedly reached out for them to <em>make</em> this inaccurate report right because it's affecting my credit score when it should be <em>helping</em> me."],"company":["<em>Money</em>Lion Inc."]},"sort":[16.242283,"5165671"]},{"_index":"complaint-public-v1","_id":"2633406","_score":15.983716,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Loan comes out every Thursday last one came out  XXXX   XXXX  ,2017 havin g trouble being able to pay bills to live and eat as of this week my family and I will be in the hole  XXXX  by the time we pay rent as this loan came out plus we have rent this week and do n't have anyone to help us out make too money according to  XXXX  so I ca n't get help and my wife does n't get paid till another week and she had been out of work. We need help bad and having payday loans makes it worse for us we thought we were helping ourselves which really we are hurting bad we have  XXXX  kids and do n't know what we are going to do.","date_sent_to_company":"2017-08-15T11:37:52.000Z","issue":"Struggling to pay your loan","sub_product":"Payday loan","zip_code":"338XX","tags":null,"has_narrative":true,"complaint_id":"2633406","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Kashia Services","date_received":"2017-06-02T01:34:16.000Z","state":"FL","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["We need help bad and having payday <em>loans</em> <em>makes</em> it worse for us we thought we were <em>helping</em> ourselves which really we are hurting bad we have  XXXX  kids and do n't know what we are going to do."],"product":["Payday <em>loan</em>, title <em>loan</em>, or personal <em>loan</em>"],"issue":["Struggling to pay your <em>loan</em>"],"sub_product":["Payday <em>loan</em>"]},"sort":[15.983716,"2633406"]},{"_index":"complaint-public-v1","_id":"3791410","_score":15.968975,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have my auto loans with Nissan Finance and they are claiming that I not making payments on time, when that is not true. Every month I make the payment thru Nissan Finance website with one time payment. My complaint is if I have 10 days after my due date, why they are making my payments late when I scheduled my payments to be out on the XXXX of every months. Where is my money go. Can you please help me and try to trade my car for suv and this people are not helping me.","date_sent_to_company":"2020-08-19T21:58:08.000Z","issue":"Managing the loan or lease","sub_product":"Loan","zip_code":"19606","tags":null,"has_narrative":true,"complaint_id":"3791410","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2020-08-12T15:40:34.000Z","state":"PA","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["I have my auto <em>loans</em> with Nissan Finance and they are claiming that I not making payments on time, when that is not true. Every month I <em>make</em> the payment thru Nissan Finance website with one time payment. My complaint is if I have 10 days after my due date, why they are making my payments late when I scheduled my payments to be out on the XXXX of every months. Where is my <em>money</em> go. Can you please help me and try to trade my car for suv and this people are not <em>helping</em> me."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Managing the <em>loan</em> or lease"],"sub_product":["<em>Loan</em>"]},"sort":[15.968975,"3791410"]},{"_index":"complaint-public-v1","_id":"2807350","_score":15.871397,"_source":{"product":"Debt collection","complaint_what_happened":"MY BUSINESS BANK XXXX XXXX.WE RECEIVED A LOAN FROM XXXX XXXX.WE PAID IT OFF ON TIME FOR 4 YEARS STRIAGHT ON TIME EVERY MONTH, THEN IN TURN WE HAD FRAUDULENT CHARGES OF ABOUT {$80000.00} IN FRAUDULENT CHARGES IN WHICH WE THINK OUR BUSINESS ACCOUNT WAS HACKED ONLINE IN HOW THE MONEY WAS STOLEN WE HAVE HAVE ALREADY RECIEVED ABOUT WE WANT THE THE MONEY OF {$24000.00} IN MONEY THAT WAS STOLEN BACK FROM CITIBANK! WE WANT THE MONEY OF ABOUT {$2500.00} PUT BACK INTO OUR BUSINESS ACCOUNT DUE TO THE FACT THAT THEY MEANING THE COMMERCIAL LOAN DEPT OF CITIBANK DID NOT DO THEIR JOB BY OBTAINING OUR UPDATED NEW BUSINESS ADDRESS AND PHONE NUMBER THAT WE HAD ALREADY PUT INTO OUR CITIBANK ONLINE BUSSINESS ACCOUNT UPDATEDING THAT WE HAD MOVED AND WE HAD ANEW PHONE NUMBER WOULD EXPLAIN WHY WE NEVER RECEIVED ANY NOTICES OR WARNINGS ABOUT THE LOAN BEING BEHIND IN PAYMENTS OR ANY ANY HELP THEY COULD GIVE US OR TIME BORROWED BECAUSE OF THE FRAUD TO OUR BUSINESS IN HELPING US TO HAVE MORE TIME TO MAKE PAYMENTS ON THIS LOAN AND BY THE WAY WE SUCCESSFULLY PAID OFF ANOTHER LOAN 2 YEARS EARLIER IN FULL TO THEM!!!!!!","date_sent_to_company":"2018-02-07T16:49:55.000Z","issue":"Written notification about debt","sub_product":"Other debt","zip_code":"11757","tags":null,"has_narrative":true,"complaint_id":"2807350","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2018-02-07T16:28:56.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive enough information to verify debt"},"highlight":{"complaint_what_happened":["BECAUSE OF THE FRAUD TO OUR BUSINESS IN <em>HELPING</em> US TO HAVE MORE TIME TO <em>MAKE</em> PAYMENTS ON THIS <em>LOAN</em> AND BY THE WAY WE SUCCESSFULLY PAID OFF ANOTHER <em>LOAN</em> 2 YEARS EARLIER IN FULL TO THEM!!!!!!"]},"sort":[15.871397,"2807350"]},{"_index":"complaint-public-v1","_id":"1624566","_score":15.678558,"_source":{"product":"Student loan","complaint_what_happened":"I am struggling to make my monthly payments on my private student loans. When I asked my servicer for help I was told my co signer makes too much money for me to be given a lower payment. I explained that my co signer will not be helping me, the lady was quite rude and said there is a difference between ca n't and wo n't help. She told me that technically my co signer can help and they wo n't lower my payments. Now I feel stuck. I want to pay on time and in full but I 'm struggling and the servicer seems so unwilling to work with me. Help!!!","date_sent_to_company":"2015-10-26T16:32:00.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"80128","tags":null,"has_narrative":true,"complaint_id":"1624566","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2015-10-26T16:32:00.000Z","state":"CO","company_public_response":null,"sub_issue":"Can't decrease my monthly payments"},"highlight":{"complaint_what_happened":["I am struggling to <em>make</em> my monthly payments on my private student <em>loans</em>. When I asked my servicer for help I was told my co signer <em>makes</em> too much <em>money</em> for me to be given a lower payment. I explained that my co signer will not be <em>helping</em> me, the lady was quite rude and said there is a difference between ca n't and wo n't help. She told me that technically my co signer can help and they wo n't lower my payments. Now I feel stuck."],"product":["Student <em>loan</em>"],"issue":["Can't repay my <em>loan</em>"],"sub_product":["Non-federal student <em>loan</em>"]},"sort":[15.678558,"1624566"]},{"_index":"complaint-public-v1","_id":"1899705","_score":15.435322,"_source":{"product":"Student loan","complaint_what_happened":"XX/XX/XXXX I received a XXXX XXXX Tuition Answer Student Loan in the amount of {$20000.00}. I am listed as the Student Borrower/Co-Signer of the loan. I completed XXXX school in XX/XX/XXXX ( A long time I know ) and then went to graduate school. I utilized forbearance and in-school deferment options all I could but during my 2nd year of XXXX school I received notice that I no longer qualified for assistance and would need to start paying my loan immediately. The monthly loan amount was more than {$400.00} per month and as a XXXX student with a salary of only {$5800.00} a year this was a struggle. \n\nAfter finishing XXXX school the job market was less than ideal. I missed some payments and got behind. I contacted XXXX XXXX for assistance and they informed me that the only program I qualified for was a \" rate reduction program ''. In this program they reduce your interest rate to 1 % and you pay the interest on your loan ONLY. None of the money goes towards the principal which has now exploded to just over {$54000.00}. \n\nI now have a secure job and I have been making payments and each month I pay what I can and the principal NEVER goes down. As a young consumer at the time of this loan I feel like I was taken advantage of by XXXX XXXX. It is n't that I do n't want to pay my loan, it is more that I have made payments for XXXX years and my loan balance has n't decreased a cent. XXXX XXXX, now Navient, simply collects money from me every month and calls the program a way to help consumers. This does n't HELP consumers, it suffocates them. I am a teacher so I will never make enough money to make the monthly payments that they want from me and LIVE. \n\nI reached out to them to see if we could settle this account for a smaller amount and they declined. I filed a complaint with the XXXX about their predatory lending techniques and they sent me a letter with the promissory note included. According to a XXXX XXXX XXXX with the Office of Customer Advocate, the Rate Reduction Program, \" is a special modification program that is designed to assist customers in resolving delinquency and repaying their student loans ''. \n\nThe problem is, the Rate Reduction Program DOES NOT help consumers repay their student loans, it helps make the pockets of Navient thicker by collecting \" interest only '' payments from those who are financially struggling. Here is an idea Navient, if you really want to help consumers repay their student loans why do n't you take the interest rate down to 0 % for one year and allow them to make a pre-set payment that will ACTUALLY help them pay down their principal. \n\nAs I said before, I want to pay my debt back, but I do n't think it is right for me to have made payments for 3 years and still owe the same amount. This is n't helping me \" repay my student loan '' it is helping Navient MAKE money off of a person who ca n't afford the full monthly payment on their {$20000.00} loan that has EXPLODED to {$54000.00} because of a crazy high interest rate.","date_sent_to_company":"2016-04-27T15:08:49.000Z","issue":"Can't repay my loan","sub_product":"Non-federal student loan","zip_code":"370XX","tags":null,"has_narrative":true,"complaint_id":"1899705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2016-04-27T15:08:49.000Z","state":"TN","company_public_response":null,"sub_issue":"Can't get flexible payment options"},"highlight":{"complaint_what_happened":["This is n't <em>helping</em> me \" repay my student <em>loan</em> '' it is <em>helping</em> Navient <em>MAKE</em> <em>money</em> off of a person who ca n't afford the full monthly payment on their {$20000.00} <em>loan</em> that has EXPLODED to {$54000.00} because of a crazy high interest rate."],"product":["Student <em>loan</em>"],"issue":["Can't repay my <em>loan</em>"],"sub_product":["Non-federal student <em>loan</em>"]},"sort":[15.435322,"1899705"]},{"_index":"complaint-public-v1","_id":"7425129","_score":15.398728,"_source":{"product":"Checking or savings account","complaint_what_happened":"I was a victim of a scam. On XX/XX/2023 I became a victim of a loan scam. It was a company that was online, that was fraudulent. They were able to hack into my bank account and started reversing transactions, including my rent. I was then threatened to go to XXXX and send them {$1500.00} via XXXX transaction I I was told that if I did not do that, they would make it so that no bank or any other lender would ever borrow to me again because they could make it look like I was the one filing claims and reversing payments to all my monthly bills. When I went to XXXX to send the funds via debit card to my bank, which is JP Morgan, Chase, I called the bank immediately to report this. They assured me on the phone that they would stop all this, and that I would not be responsible for the money I lost. Now XXXX days later Im told from Chase Bank that its my fault that I was the one that sent this money voluntarily and that there was nothing else that they could do. I now am negative in my checking account of over {$1300.00}. After XXXX  years of banking with JP Morgan, Chase they are not helping me in this matter. I have filed a complaint with the XXXX XXXX XXXX and also filed a police report. They are still not helping me I am now worried about facing eviction and I have nowhere to go I know where to find an extra {$1300.00} because I live paycheck to paycheck.Please help. I have all the fake loan documents, and even contacted the company where they were informed that this person was using their letterhead fraudulently","date_sent_to_company":"2023-08-20T13:03:35.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"28210","tags":null,"has_narrative":true,"complaint_id":"7425129","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2023-08-20T12:46:52.000Z","state":"NC","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["They assured me on the phone that they would stop all this, and that I would not be responsible for the <em>money</em> I lost. Now XXXX days later Im told from Chase Bank that its my fault that I was the one that sent this <em>money</em> voluntarily and that there was nothing else that they could do. I now am negative in my checking account of over {$1300.00}. After XXXX  years of banking with JP Morgan, Chase they are not <em>helping</em> me in this matter."]},"sort":[15.398728,"7425129"]},{"_index":"complaint-public-v1","_id":"2872700","_score":15.258392,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Just last year I had my car repossessed. I was not able to pay my loan because I was unemployed close to a year. The only way I was able to make money was by helping a friend from time to time and it was enough for anything and could not afford the payments. Last year I was struggling with trying to get a job to catch up on my bills and could not was behind on everything not just the car. This all happened around XX/XX/2017. Since I got my car back I have been making my payments on time and have a great job now and able to manage my money better and stay on top of my bills. I have tried to work with the company to get my repossession moved after showing them that my payments have been good but they are not willing to work with me.","date_sent_to_company":"2018-04-11T12:49:07.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"30044","tags":null,"has_narrative":true,"complaint_id":"2872700","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"NISSAN MOTOR ACCEPTANCE COMPANY LLC","date_received":"2018-04-11T12:24:38.000Z","state":"GA","company_public_response":null,"sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["I was not able to pay my <em>loan</em> because I was unemployed close to a year. The only way I was able to <em>make</em> <em>money</em> was by <em>helping</em> a friend from time to time and it was enough for anything and could not afford the payments. Last year I was struggling with trying to get a job to catch up on my bills and could not was behind on everything not just the car. This all happened around XX/XX/2017."],"product":["Vehicle <em>loan</em> or lease"],"issue":["Struggling to pay your <em>loan</em>"],"sub_product":["<em>Loan</em>"]},"sort":[15.258392,"2872700"]},{"_index":"complaint-public-v1","_id":"2297326","_score":15.251425,"_source":{"product":"Student loan","complaint_what_happened":"I went to XXXX in NY and i was told that i was getting financial aid and money granted to my self to get my books and so on. Later in that year i saw i owed money and that it stated that I agreed to a loan when i didnt, I thought it was financial aid helping me since I have very low income. The school closed down for good and now I owe about an estimate of {$11000.00} when it had started off in XXXX and I still cant start making the payments and the amount will still go up because of the interest and im scared my credit will get damaged. Please help me and to everyone who is trying to make a career in life please read carefully and do research so that the same thing that happened to me wont happen to anyone","date_sent_to_company":"2017-01-19T15:38:19.000Z","issue":"Can't repay my loan","sub_product":"Federal student loan servicing","zip_code":"10034","tags":null,"has_narrative":true,"complaint_id":"2297326","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2017-01-19T15:38:19.000Z","state":"NY","company_public_response":null,"sub_issue":"Can't get flexible payment options"},"highlight":{"complaint_what_happened":["I went to XXXX in NY and i was told that i was getting financial aid and <em>money</em> granted to my self to get my books and so on. Later in that year i saw i owed <em>money</em> and that it stated that I agreed to a <em>loan</em> when i didnt, I thought it was financial aid <em>helping</em> me since I have very low income."],"product":["Student <em>loan</em>"],"issue":["Can't repay my <em>loan</em>"],"sub_product":["Federal student <em>loan</em> servicing"]},"sort":[15.251425,"2297326"]},{"_index":"complaint-public-v1","_id":"2712144","_score":15.123304,"_source":{"product":"Student loan","complaint_what_happened":"I contacted Discover student loans for a student loan for my daughter which I was going to co-sign. They asked how much I make, but also asked how much was in my savings and retirement accounts. \nI 'm a XXXX so I only make approximately {$15000.00} a year but my FICO score is XXXX ( which I would say is better than most ). \nThe form also proceeded to ask what my savings account had as well as my retirement account. I told them {$20000.00} in savings/money market and {$300000.00} in retirement. \nWell, it came back with a 8.990 % loan figure which is ridiculous. \nI proceeded to contact the bank at which time they basically told me that the only things they look at are the income and the FICO score. So I asked the girl that was helping me why they asked the questions about how much money I have and she did not know. She even put me on hold for a few minutes and came back and still did not have an answer. \nAt that point, I asked why do they even ask the questions about how much money we have in our accounts if you are not even going to consider them, and she did not have an answer for that. I then told her that the bank needs to take those questions off their form if they are not going to use them as a basis for the loan. She really had no comment except she said she would pass the suggestion on.","date_sent_to_company":"2017-10-25T17:36:43.000Z","issue":"Getting a loan","sub_product":"Private student loan","zip_code":"92808","tags":null,"has_narrative":true,"complaint_id":"2712144","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"DISCOVER BANK","date_received":"2017-10-25T17:16:09.000Z","state":"CA","company_public_response":null,"sub_issue":"Problem with the interest rate"},"highlight":{"complaint_what_happened":["I contacted Discover student <em>loans</em> for a student <em>loan</em> for my daughter which I was going to co-sign. They asked how much I <em>make</em>, but also asked how much was in my savings and retirement accounts. \nI 'm a XXXX so I only <em>make</em> approximately {$15000.00} a year but my FICO score is XXXX ( which I would say is better than most ). \nThe form also proceeded to ask what my savings account had as well as my retirement account. I told them {$20000.00} in savings/<em>money</em> market and {$300000.00} in retirement."],"product":["Student <em>loan</em>"],"issue":["Getting a <em>loan</em>"],"sub_product":["Private student <em>loan</em>"]},"sort":[15.123304,"2712144"]},{"_index":"complaint-public-v1","_id":"18084506","_score":15.119207,"_source":{"product":"Debt collection","complaint_what_happened":"Ally Financial with whom I was making payments to repossessed my vehicle after I was told by their representative to make a payment of XXXX so that my vehicle would not be repossessed. I was only behind 2 months. And I asked them to put the payments at the end of the Loan. I was told in order for the payments to be put at the end of my Loan. I would have to make a payment of XXXX to XXXX dollars.for an extention fee. These people are scamming consumers, and taking advantage of consumers by knowing full well once a consumer is behind on payments. No matter for how many months. The so called exorbitant extention fee can't be paid. Therefore leaving the consumer such as myself to end up with a repossessed vehicle. Then instead of helping me by putting the payments at the end of My Loan which I would have had to pay Anyway. They reported erroneous information to the credit Bureau. Stating that I owed XXXX  dollars and for this reason my vehicle was repossessed. I can't stand Liers. These people know what they are doing by scamming consumers out of their money. And I would like them investigated and Stopped.","date_sent_to_company":"2025-12-16T19:47:37.000Z","issue":"False statements or representation","sub_product":"Auto debt","zip_code":"70570","tags":"Older American","has_narrative":true,"complaint_id":"18084506","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2025-12-16T19:22:30.000Z","state":"LA","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["Then instead of <em>helping</em> me by putting the payments at the end of My <em>Loan</em> which I would have had to pay Anyway. They reported erroneous information to the credit Bureau. Stating that I owed XXXX  dollars and for this reason my vehicle was repossessed. I can't stand Liers. These people know what they are doing by scamming consumers out of their <em>money</em>. And I would like them investigated and Stopped."]},"sort":[15.119207,"18084506"]},{"_index":"complaint-public-v1","_id":"3168282","_score":15.081936,"_source":{"product":"Student loan","complaint_what_happened":"The issue started on XX/XX/19. I received a letter stating that my loan would be going into litigation because of the delinquency. Prior to this letter I had explained to Navient that I could not afford the {$560.00} a month payments. I begged them for lower payment options that I could afford. They only offered me the option of forbearance payments until I could no longer make them on the account. I was so afraid of my wages be garnished I sent in all of the required documentation to have the payments lowered to {$350.00} a month for one loan! I was told by the rep who was helping during the process that submitting all these documents would help get the loan reduced because I would be left with very little cushion for the month ; he lied. I literally have only a {$120.00} left per month after all expenses are paid.I have no money available in case of a financial emergency. I have no money saved because I basically live paycheck to paycheck. I have inquired for so long about lower payment options and I have gotten no assistance in the matter. I can not afford to make these payments for very long. The interest rate is outrageous. I originally borrowed {$18000.00} and I now have to payback {$45000.00}. I need help please. Navient has been of no assistance and I can not continue to make such large payments for that one loan when I have several others that I will have to start repayment for soon.","date_sent_to_company":"2019-03-04T06:24:12.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"30342","tags":null,"has_narrative":true,"complaint_id":"3168282","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-03-04T01:03:31.000Z","state":"GA","company_public_response":null,"sub_issue":"Problem lowering your monthly payments"},"highlight":{"complaint_what_happened":["I was so afraid of my wages be garnished I sent in all of the required documentation to have the payments lowered to {$350.00} a month for one <em>loan</em>! I was told by the rep who was <em>helping</em> during the process that submitting all these documents would help get the <em>loan</em> reduced because I would be left with very little cushion for the month ; he lied. I literally have only a {$120.00} left per month after all expenses are paid.I have no <em>money</em> available in case of a financial emergency."],"product":["Student <em>loan</em>"],"issue":["Struggling to repay your <em>loan</em>"],"sub_product":["Private student <em>loan</em>"]},"sort":[15.081936,"3168282"]},{"_index":"complaint-public-v1","_id":"2320552","_score":15.030257,"_source":{"product":"Mortgage","complaint_what_happened":"i am very very upset while i understand the right the bank has to file foreclosure i want a loan modification and to pay please. I do not have time though i will if i have to to write a formal answer to the complaint. or the money. XXXX of the barriers is is my ex husband refuses to help me wtih the income taxes 2015. so i can apply for loan mod. I do have income now and can and want to catch up. PLEASE help me. filing this while i know you have the right to makes me very upset, stressed and i want to avoid it. PLEASE. i have XXXX and XXXX payments and soon will have more. I have gotten letters previously not helping me. I need to know how to pay. Please call only after XXXX and only at XXXX PLEASE. work with me. I have reached out many times and your system of sending letters is not helping. I have no money for fees so despite them being valid please remove so i can stay on the right side. and avoid taking any legal protections i want to avoid. i am working XXXX XXXX to catch up. HELP how do i pay? what is escrow shortage? who can i pay? can we set up a forebearance plan. my issue is without the ex husband doing the taxes 2015 as only he knew how to do it i am stuck I care i will do anything please. help","date_sent_to_company":"2017-01-31T13:26:40.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"085XX","tags":null,"has_narrative":true,"complaint_id":"2320552","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-01-31T13:26:39.000Z","state":"NJ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["PLEASE help me. filing this while i know you have the right to <em>makes</em> me very upset, stressed and i want to avoid it. PLEASE. i have XXXX and XXXX payments and soon will have more. I have gotten letters previously not <em>helping</em> me. I need to know how to pay. Please call only after XXXX and only at XXXX PLEASE. work with me. I have reached out many times and your system of sending letters is not <em>helping</em>."],"issue":["<em>Loan</em> modification,collection,foreclosure"]},"sort":[15.030257,"2320552"]},{"_index":"complaint-public-v1","_id":"3152640","_score":15.024638,"_source":{"product":"Student loan","complaint_what_happened":"they call me 9-12 times a day 7 days a week up to XXXX even weekends and holidays it feels like harassment because I can't pay my loan back I have XXXX and XXXX and choose not to try for XXXX as I would probably be denied. I try to work but have a very unstable work history due to my conditions.and they keep telling me I have to be XXXX in debt or make these unreasonable payments or keep accumulating interest on this loan that I will never be able to pay. I have asked them to limit their calls and robot calls to me me but it continues from XXXX to XXXX 9 to 12 times a day. This is very stressful to me and is destroying my credit making it impossible for me to make my already difficult due to health reasons impossible. I understand I owe them money and they want it but calling me 12 times a day is not gon na fix my health condition it actually makes it worse and harder to not stress and makes the working condition worse. I need some serious help with this. They have called 3 times in the time it took to get this far on this complaint. XXXX from Navient has let 3 messages/ I do not have the money to pay and deferment just keeps making the debt bigger not helping me as my XXXX aren't going away only getting worse and can work less and less.","date_sent_to_company":"2019-02-14T21:27:30.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"30512","tags":null,"has_narrative":true,"complaint_id":"3152640","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2019-02-14T21:01:54.000Z","state":"GA","company_public_response":null,"sub_issue":"Can't temporarily delay making payments"},"highlight":{"complaint_what_happened":["XXXX from Navient has let 3 messages/ I do not have the <em>money</em> to pay and deferment just keeps making the debt bigger not <em>helping</em> me as my XXXX aren't going away only getting worse and can work less and less."],"product":["Student <em>loan</em>"],"issue":["Struggling to repay your <em>loan</em>"],"sub_product":["Federal student <em>loan</em> servicing"]},"sort":[15.024638,"3152640"]},{"_index":"complaint-public-v1","_id":"7167469","_score":15.015696,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"When I originally got the loan with OneMain Financial set up I had little to no interest in any add-ons or insurances. When everything was ready for signing it seemed like there were 1 or 2 small insurance fees added on. It was confusing and complicated but the person helping me forged ahead like everything was normal and expected so I went along with it. \nLater I decided to borrow more money and also said I want to remove whatever extra things are on my loan. However when it was time to sign the person helping me told me the monthly cost included the 3 add-ons I had already on my account. Again I was confused by this, but I felt pushed not to make the process even more complicated and went along with it. \nThe most recent time I have asked about possible loan increase I specifically stated at the beginning of the call I wanted to remove any and all extras tacked onto my account. I said it multiple times to 2 different people. Now I am no longer eligible for increases.\n\nA side note to this complaint : there is zero visibility in my online accounts whatsoever as to what all I'm paying for in my bill. I can not view any specifics for my account on any insurances or add-ons or even what percent of the payment goes towards interest.","date_sent_to_company":"2023-06-26T11:40:51.000Z","issue":"Charged fees or interest you didn't expect","sub_product":"Title loan","zip_code":"37919","tags":null,"has_narrative":true,"complaint_id":"7167469","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2023-06-26T11:06:32.000Z","state":"TN","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["When I originally got the <em>loan</em> with OneMain Financial set up I had little to no interest in any add-ons or insurances. When everything was ready for signing it seemed like there were 1 or 2 small insurance fees added on. It was confusing and complicated but the person <em>helping</em> me forged ahead like everything was normal and expected so I went along with it. \nLater I decided to borrow more <em>money</em> and also said I want to remove whatever extra things are on my <em>loan</em>."],"product":["Payday <em>loan</em>, title <em>loan</em>, or personal <em>loan</em>"],"sub_product":["Title <em>loan</em>"]},"sort":[15.015696,"7167469"]},{"_index":"complaint-public-v1","_id":"3248337","_score":14.976327,"_source":{"product":"Student loan","complaint_what_happened":"To whom it may concern, I graduated from college in XXXX. It is now XXXX and my loan has gone from XXXX to XXXX. \nI consolidated my loan to help me get all my loans in one place, this averaged my interest rate and actually make my debt load more. \n\nI spoke with someone recently at XXXX XXXX XXXX and inquired about lowering my payment. The problem is lowering my payment on a income based repayment plan isnt helping because its the interest that continues to accrue and then balance that continues To go up not down. \nThe woman I spoke to explained to me that my interest at 6.38 % is {$13.00} a day, which is XXXX a month. My {$290.00} monthly payment doesnt even get to the principal balance. If I choose to defer my loan when I have trouble paying the interest is capitalized onto the principal balance and again my loan goes up not down. \nI have a XXXX XXXX that I owe XXXX dollars on and have paid on for 7 years. The more money I make the more I need to pay so I can never get ahead. I cant find a job with my degree and cant go back to school because more loans. \nI am writing to try to get somewhere. Ive asked to lower my interest rate to refinance to potentially change companies ( although this companys customer service has answered my questions ) I do feel like I am being taken advantage of and really in a place of desperation as I have children and work as hard as I can and will soon need to retire myself. \nI dont understand how this company can basically add so much interest that the loan has more of a balance than when I started paying. XXXX more and it will keep growing not shrinking. She said if I defer to keep up on interest. I can not pay XXXX a month in interest when I cant afford my $ XXXX monthly payment. \nBoth my parents are deceased. I am the first one in my family to attend college. I would like to help my children with college. Is this the America Dream to die from student loan debt? \nI am a XXXX female. I am educated. This feels unfair. I wanted to be a XXXX. I wanted a career. I had a dream of helping children. I cant go back to get a XXXX   certificate because my student loan debt is to high. \nI feel sorry for our future generations of this is what they have to look forward to. Why cant student loan companies charge a reasonable amount of interest and not try to punish you when you struggle to pay or cant afford the maximum payment? Can something be done to make XXXX XXXX more fair to its borrowers? Isnt this company with the Department of Education? Why are they trying to make so much money off of us? What can be done? \n\nThank you for your time.","date_sent_to_company":"2019-05-20T23:33:26.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"55038","tags":null,"has_narrative":true,"complaint_id":"3248337","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AES/PHEAA","date_received":"2019-05-20T22:56:27.000Z","state":"MN","company_public_response":null,"sub_issue":"Problem lowering your monthly payments"},"highlight":{"complaint_what_happened":["Why are they trying to <em>make</em> so much <em>money</em> off of us? What can be done? \n\nThank you for your time."],"product":["Student <em>loan</em>"],"issue":["Struggling to repay your <em>loan</em>"],"sub_product":["Federal student <em>loan</em> servicing"]},"sort":[14.976327,"3248337"]},{"_index":"complaint-public-v1","_id":"3655719","_score":14.930052,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I opened a money lion credit builder account last year to help build my credit. MoneyLion as a company promised to help with a loan which you pay back to build credit of {$500.00}. you actually get a loan which is $ XXXX {$170.00}. i updated my payment option choice to there app and when it was time for the first payment to be withdrawn it never came out. i called customer service they said they would waive the fee and they updated the card and the one payment was forgiven the next month i added for an insta-loan, one of there other programs i told them to take both payments from the same card. Money lion choice to take from a moneylion card to make my payment arrangements instead of the one i requested an they had Technical difficulties for 2 months on my payment dates. they told me my account was delinquent but i could pay to have it in good standing. i was frustrated and agreed and paid i called customer and asked why is this reporting to my credit as late an collection they said that the system has already placed me in collections before my payment took process. there are numerous reviews on Trusted websites about moneylion messing up peoples reporting i think there a company just collecting data an no real purpose of helping rebuild credit.","date_sent_to_company":"2020-05-17T06:09:10.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"3655719","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"MoneyLion Inc.","date_received":"2020-05-17T01:33:07.000Z","state":"NC","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["<em>Money</em>Lion as a company promised to help with a <em>loan</em> which you pay back to build credit of {$500.00}. you actually get a <em>loan</em> which is $ XXXX {$170.00}. i updated my payment option choice to there app and when it was time for the first payment to be withdrawn it never came out. i called customer service they said they would waive the fee and they updated the card and the one payment was forgiven the next month i added for an insta-<em>loan</em>, one of there other programs i told them to take both payments"],"company":["<em>Money</em>Lion Inc."]},"sort":[14.930052,"3655719"]},{"_index":"complaint-public-v1","_id":"2721631","_score":14.864059,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"I had some emergency happen back to back. I 'm a XXXX XXXX and went to 2 different title loan centers. XXXX and XXXX XXXX XXXX. I 'd been a customer for years and never had an issue paying my loans. My bank account was overdrawn by them taking money when I could n't pay. Everything snowballed from there. I called the corporate office of XXXX and asked for assistance in helping me repay the loan. Was told no, I must make the payments or they are going to take my car. I ca n't catch up on the now 3 payments I 'm behind and need help to interview from the taking my only mode of transport to medical appointments in XXXX monthly. \nXXXX XXXX XXXX said the same thing. I 've tried getting a personal loan and applied to many times and my credit took a huge hit. \nAny assistance would be greatly appreciated.","date_sent_to_company":"2017-11-06T14:37:57.000Z","issue":"Struggling to pay your loan","sub_product":"Title loan","zip_code":"85730","tags":"Servicemember","has_narrative":true,"complaint_id":"2721631","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"COMMUNITY CHOICE FINANCIAL, INC.","date_received":"2017-11-06T14:24:19.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I 'm a XXXX XXXX and went to 2 different title <em>loan</em> centers. XXXX and XXXX XXXX XXXX. I 'd been a customer for years and never had an issue paying my <em>loans</em>. My bank account was overdrawn by them taking <em>money</em> when I could n't pay. Everything snowballed from there. I called the corporate office of XXXX and asked for assistance in <em>helping</em> me repay the <em>loan</em>. 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