davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-17
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: E*TRADE BANK (CA)

Etrade Bank agressively marketed HELOC in XXXX. I replied and eventually signed loan documents for a HELOC on my primary residence. The line of credit was {$350000.00}. All payments were made thru the Etrade website, which was XXXX of their marketing tactics since the HELOCs were targeted for current Etrade customers. I already had a brokerage account, a XXXX IRA, a XXXX IRA, and a banking account. They sold me due to the fact that I could make payments/monitor the account online ... .all in XXXX place, with my XXXX user name, log in password, etc. I had excellent credit and was receiving many offers at the time. I went with Etrade for the convenience and because I knew Etrade to be reputable, responsible and had a well designed website and method for making payments, transferring money, etc. XXXX then took over the processing of the HELOC ; I was still able to use the website with the one username, password, and see all accounts in XXXX play. I did n't have any problems for the almost 7 years of making monthly payments thru their website. In XXXX XXXX, things changes drastically. I continued to make my payments the same way I had for years ; eventually I saw that my payment to XXXX had been put back into my checking account. I thought.. '' Well, that is strange.. '' However, by the time this had happened I had already made the next month 's usual payment in the same way I had for almost 7 years. Then, I get a threatening phone call from a company saying they were a debt collection agency, that they were taking legal action against me. I called the XXXX customer service number for Etrade and explained what happened. I was then told that a company called " XXXX '' was now " in charge '' of my loan. I said, " What does that mean? My loan is with you. '' He agent replied, " I do n't really know..I do n't really do HELOCS '' I said, " Okay, can you connect me with someone who DOES " do '' HELOCS '' He said, " Mamn..there is n't anyone. You have to call XXXX. '' I said, " Did XXXX buy the loan portfolio or are they just a servicer? '' He said, " They bought it. Well ... maybe they did n't ... '' I said, " Etrade is a reputable company. I 'm sure there must be somone who has been designated to oversee the transition for the customers. '' He said, " There is n't ''. I then called the corporate office, explained my situation to the person hired to funnel calls and she came me the name and number for an employee who would " know what to do ''. After more than 2 weeks of speaking with this person, my problem with XXXX continues.
Consumer complaint received 2017-03-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: RevSolve, Inc. (AZ)

I believe that this debt collector illegally altered my information so that I would owe a debt collections company I do not owe. 
Or they may have contacted my original creditor and asked to have me make payments to them. This debt collections company is reporting to the credit bureau that I am delinquent and I have not paid my debt to my original creditor when I have proof of payment to my original creditor. I have already disputed this debt collection 's company because I have been making my payment to my original creditor XXXX Hospital.
Consumer complaint received 2017-03-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VT)

XXXX NAVIENT ACCT # XXXX Exactly what you found with XXXX/ Navient in the press release happened to me. I was recommended to refinance in XX/XX/XXXX and XX/XX/XXXX, which I did. Also, with economic hardship, I was unable to make full payments, so the representative directed me which form I needed to fill out and submit so my loan would not go into default. I was told to pay what I am able to. There were no options given, just " this is what you need to do. '' and I follow their instructions. My XXXX XXXX School Loans were disbursed from XX/XX/XXXX-XX/XX/XXXX for XXXX totaling {$160000.00}. 
{$230000.00} TOTAL payments XX/XX/XXXX-XX/XX/XXXX ( current date ) {$200000.00} is my current balance. Mind boggling!
Consumer complaint received 2016-10-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

Navient took over servicing my student loans and did not notify me at all in reference to my account being transferred to their office. As a result I was hit with late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX. The reason why there is a break in the payments having been late is because I had enrolled in college which automatically placed my outstanding loans in deferment. When I finally realized that Navient had taken possession of my student loans I called and placed them in deferment/forbearance and have been in good standing since and Navient refuses to remove this negative reporting that only occurred due to their failure to notify me of them now servicing my loan.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (HI)

I applied for direct consolidation loans under Navient using the Dept of Education student loan website which linked to my 2015 IRS. I received confirmation that my direct consolidation loan requests with Navient were received with estimated payments under the REPAYE program ( which I also submitted the documents to apply for REPAYE ) of approximate {$220.00}. Despite confirming the processing of everything, confirming the accuracy of the information and receiving the paperwork with the REPAYE estimated amount, I now have a bill of {$1200.00} which is not based on the REPAYE amount. Further, my private loans under Navient with the standard payment of approximately {$720.00} now shows {$0.00} due, which would be great, if it were correct. In the end, my monthly student loan from Navient should be approximately {$950.00} not {$1200.00}. This is ridiculous, I had to call them so many times to confirm everything was received and processing correctly. Their practices are unfair and deceptive as they do not properly process the loan terms and put the consumer at risk of significant credit and financial harm. I can barely make {$950.00} and can not pay {$1200.00}.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I got a loan with Navient for school. When it came time to pay i had set up automatic payments with them from my bank. They stated it would be more easier that way and also save me a percentage on the loan through lower interest with on time payments. XXXX payment was made this way and after that they said i was late in paying which was impossible because it was automatically set up and the funds were there. I fully believe they manipulated the payment some how just to stick me with higher interest through FALSE/DECEITFUL business practices. Im very upset with them but stuck with Navient until my loan is paid in full. When i inquired about another copy of the letter they sent me telling me about my rejection from the program they were not forthcoming.
Consumer complaint received 2017-02-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

For years I have struggled with Navient. I 've had to pay monthly, at least {$600.00}, while I was in school. I recently took a year off of my graduate studies and moved to another city to support my younger brother with his living expenses through college. The payments to Navient have risen so incredibly high that there is no realistic way for me to pay them, my rent, bills and other necessities. They asked me to pay about {$1100.00} per month. I also have an elderly Cosigner, who is of no relation to me, just an old family friend, and he has absolutely no intention of paying for my loan for me. His credit was the only thing that would allow me to get into my XXXX school. I was never offered a chance or program to release my Cosigner. Recently, when I asked, due to the recent legal issues that have arisen against Navient, they only gave me two ultimatums. Either pay off the entire, approx, {$120000.00} or pay {$1100.00} for 12 months on auto pay without fail. I had just given Navient all of my income information, and based on the numbers they could clearly see I could n't afford that. They also requested the Cosigner 's credit and income information. He does n't want to have anything to with my payments and does n't wish to give the information to them. 
Since XX/XX/2011 I 've had to deal with Navient and through their rude and unhelpful customer service, ultimatum deals and negotiations, incessant phone calls and absolute lack of organization, I 've struggled to make end 's meet. They would call automatically, and blame it on the computer programming, myself, my cosigner ( who is an incredibly busy man ) and my parents at number of times called reaching as high as 15 times in one day to a phone call every 10-15 minutes ; with each call from a different phone number, while I 'm working. I 'm afraid to pick up the phone anymore. When I do pick up the phone call, customer service can barely help you and they just want to collect money and get you off of the phone as fast as possible.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX 2015 I requested an e-mail receipt from a vendor. Today after using the same credit card I used in 2015 at a business I had never been to before, I received an e-mailed receipt When I made the purchase today they did not ask if I wanted an e-mailed receipt, nor did I provide them with my e-mail address. 
After receiving the e-mail today, I searched my e-mail archives and found that the common link is that both companies use " XXXX '' for payment processing. 
It was a huge surprise to me that this business ( XXXX ) I know nothing about had linked my credit card number to my e-mail address. They clearly stored both my credit card number and my e-mail address to use over a year later without my explicit permission or knowledge that this was occurring. Since I am not comfortable with this business practice, I searched for a way to remove both my credit card and e-mail from their databases and could find no such option. It appears that in order to manage my information with them I have to sign up for an account which would require providing more personally identifiable information, which I am reluctant to do. They already have more information about me than I want them to have. 
This feels like an extremely inappropriate way to use my credit card information and my e-mail address. I will no longer be using any credit cards at any company using " XXXX XXXX '' for payment processing. However I also wanted to report this to you since I most definitely consider this a bad business practice, and possibly illegal since they did not obtain my explicit consent to capture and store my personal information. 
As I researched this company, I identified a separate inappropriate business practice from this same company. I receive a ton of e-mail spam from another of their brands ( XXXX ) at my work e-mail. I do n't believe I have ever provided my work e-mail address to this company so these two things may be unrelated. The common link is same company with multiple inappropriate business practices.
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

We have had a family student loan for my daughter for 17 years now and owe more than the original loan amount. We keep having to pay interest while in foreberance. We are on a strict budget in our XXXX 's. I work but my wife can not. She has n't worked for many years. I would like to see if we can get some interest taken off the loan and put towards the principle loan amount. Please help.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CO)

Hi, I suspect that my consolidated student loan with Navient is not being serviced correctly, which is causing me to pay more in interest. Specifically, the Navient website does not allow me to apply principle payments specifically to the unsubsidized portion of my loans. Also, I suspect that my payments on loans that are in deferment due to my graduate student status are being applied as refunds incorrectly. I do no know exactly how this is suppose to work, but I am noticing " accrued interest '' charges even though I am paying principle and interest on time. I have tried to contact Navient via the customer service feature on the website, but have received no reply. 
Thank you for your work looking into this!
Consumer complaint received 2017-03-11
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Neon Newco Corporation (VA)

My son received an UN solicited debit card in the mail today ( XX/XX/2018 ) from Netspend. 
( issued by XXXX ). The fine print says that that he received the card/ " We received your name and address because you indicated interest in receiving offers similar to this one. '' My son did not/ has not done so.The additional fine print says " To decline this card offer and/or opt out of future mail offers from us, call XXXX, e-mail consumer XXXX, or write to : XXXX, TX XXXX. Please allow 30 days for processing of your request. '' Please advise as to my son 's recourse in this matter. 
I want to decline/ ignore this UNsolicited " offer '' but we do NOT wish to " play their game '' of having these scammers continue to bother us. 
Thank- you for your prompt attention and action on this matter. 
Sincerely : XXXX ( fatherXXXX XXXX XXXX XXXX
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I was informed that XXXX had changed to Navient around 2010. It was at this time my loans was in default, with both the college and the Federal Government. As a result I was not able to request official transcripts from my XXXX and XXXX schools. 

When I had contacted Navient, to " bring my account up to date '', it was a verbal agreement ... agreement that was not made clear of how much interest would be accrued, nor alternative ways to get my account out of default. However, I was told I was not able to receive financial hardship because I was employed, and now that I have exceeded the verbal agreement, I am now responsible to pay an unreasonable monthly payment later this month. 

I tried explaining how the I paid my own college tuition, and how I worked 3 jobs to actually persist to graduation. I went to XXXX after earning my XXXX and began working in Higher Education. I am now a single parent, working in Higher Education at a XXXX, and am barely making ends meet with the cost of living and child care, let alone attempting pay off a {$93000.00} unpaid principal. 

If I was made aware of other options, I would have taken them into consideration without unknowing agreeing to have to pay so much interest, not the actual loan ( s ) itself, just to bring my account up to date. Please advise! 

Respectfully,
Consumer complaint received 2016-10-06
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I lease my vehicle with a company name Ally. I have decided to purchase my vehicle and I called them to get a payoff and I was told It would take two business day, to make the long story short ; in my credit report it has been reported that i owed {$23000.00} and in the payoff amount it said {$29.00}, XXXX, when I called them to get an explanation none of the employees can explain in details why im i been charge that amount. I feel that in some part they have violated Regulation M since I 'm not able to get a clear understanding and none of the paperwork explain what I 'm been charge. please help me get this square away.
Consumer complaint received 2016-10-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (OH)

The debt collector is attempting to collect a debt for an item that was disputed and resolved in my favor with my credit card company. The dispute was for services not rendered from XXXX. XX/XX/2016, I purchased a lawn service package from XXXX to plant grass seed & aerate my lawn because it had a lot of bare patches. I tried to order the seeding & aeration services by themselves, but the associate would only sell them as a bundle along with a monthly weed control service. The associate told me that the seeding & aeration would be scheduled that week in XX/XX/XXXX & that I would receive weed control & fertilization in subsequent months to maintain my new lawn. As of XXXX 2016, the seeding & aeration service was never performed. I called numerous times to inquire about the seeding & aeration, but the company continued to reschedule the service. They showed up instead to spray weed control product & fertilizer on a damaged/bare lawn. On their visits, they were only on my property for 1-2 minutes. That was not the agreement that I entered into. I tried to call & stop the other services until the seeding was completed, but the company would not stop them. Finally on XX/XX/2016 I began a dispute with my credit card company because XXXX had not been responsive or helpful. The amount was disputed and resolved in my favor. A few weeks later, I began receiving debt collection notices from Transworld Systems , Inc. for the amount of the services XXXX had delivered that were not in accordance with our agreement. These services held no value because they were delivered without the primary service. This was already disputed through my credit card company and resolved ; however, I continue to receive debt collection notices.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MA)

I have been subjected to high feed/rates since inception with XXXX ( now known as Navient ). I have also been declined all and/Or options to lower rate based on financial circumstances. I was also illegally reported late to credit agencies even though I was opted in their repayment program which was higher than fixed amount b
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I have asked this company Navient to provide me the proper documents in order to verify and validate a loan I allegedly owe. They sent me the wrong info and this will hurt my credit for something that I do not know its mine because the proper documents have not been sent. It has been over XXXX days and by law they have to remove it from my credit
Consumer complaint received 2017-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NV)

Navient is the servicing provider for my loan charged me for a loan that was paid off for over a year. When I submitted a payment in XXXX 2016 to clear XXXX sub-loans, Navient charge me over {$200.00} dollars on a loan that was already paid off, and tacked on late fees to my payment. I have been paying them off religiously trying to get them out of my life, but they have pulled this stunt an although they say that they have rectified it I do not trust that my account is in order. They have done this before with my account I was of the ones who received a settlement from the last mass lawsuit concerning XXXX XXXX/Navient, and would not be surprised if they have scammed me out of more money again. I have their statements that was sent to me proving that my loan was paid in full, and the statement far after the full payment status where they tried to recharge me on that loan. Every payment, every statement I have. Please help me.
Consumer complaint received 2016-05-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I went to XXXX for my personal training. My teachers for my classes were constantly switched, moved around etc. I did not receive what I signed up for at this college. I have been forced to find education within the body of my employer due to the college not teaching me.
Consumer complaint received 2016-09-30
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (IL)

Hello my name is XXXX XXXX I recently filed a complaint against Ally Financial ( please refer to complaint number XXXX.Their response to my complaint was updating the credit agency as paid in full to my account with them.They also advised me to contact the credit agency to assure account has been updated.I did contact the credit agency only to find out that Ally Financial did nothing they promised in the response to my complaint you all sent to them.XXXX did a reinvestigation on the matter and sent me a response saying when they contacted Ally Financial for an update and they advised them that the account is not paid as well as delinquent..The response to complaint number XXXX was decieving and they did not do what they promised.also they are reporting the account as {$2900.00} pass due when I was never late on any payment with them.Furthermore I should not have to contact the credit agency anymore to close the account as paid if Ally Financial furnished them with the correct info
Consumer complaint received 2015-07-27
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CHECK INTO CASH INC. (GA)

This is a Title Loan for my vehicle that I have a title for. I have the receipts of payments and the amount financed is not moving downward. I have never been late and paying more than the minimum amount due. I believe this title loan is a big rip-off. I just need another opinion.