davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I have an IBR plan. My first payment was due XXXX XXXX or XXXX. 
I set my online banking to mail the payment so it got there by the deadline. I got an email on XXXX XXXX or so saying that my payment was late. I called and spoke to someone who told me she had located my payment and applied it to my account. Today, I got another call from Navient saying that my account is 20 days past due. They are saying that I have to get proof that the payment was sent from my bank because they ca n't find it, even though the woman I spoke to earlier this month TOLD ME SHE FOUND IT AND APPLIED IT TO MY ACCOUNT. Even if she had n't, they should have processed it by now anyway. Since this is my very first payment, I am very worried that Navient ca n't correctly process my online banking payments and that I am going to have to deal with this problem every month. I also do n't want to have to go through this rigmarole of phone calls and sending proof of payment every month just because they ca n't keep track of payments. They also offered to give me a forbearance until this is resolved, but that is really dishonest of them since I only am allowed a certain amount of forbearance during the life of my loan. I should n't have to use it to let them fix their mistakes.
Consumer complaint received 2017-02-02
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)

This company was unwilling to work with me when I was unemployed and They finally put me on an interest only payment plan when I asked to get my payment lowers. THey left. XXXX this plan for years and never offered me something better until recently. I filed letters with the bbb and contacted then numerous times. Everytime I got a different story and no one could give me correct information. Because of their lack of support my private loans have tripled the amount of what I borrowed. They told me at one point I could consolidate my loans to later be told I would have to consolidate them with another company as they no longer consolidate private loans. My interest rate on my private loans is 10 % on each theee loans. When I asked them for information on who I could consolidate with they kept giving me information for federal loans not private loans.
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

My loan servicer is Navient. In XX/XX/2016 I applied and was placed into an " Income-Driven Repayment ( IDR ) plan '' I recertified in XX/XX/2016. Instead of placing me back into Income-Driven Repayment ( IDR ) plan I was placed into a 12-month forbearance. This is not conducive in my path to repayment.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

Navient purchased my student loans from XXXX on XX/XX/2016 ( according to them via phone today at XXXX ). I received correspondence from Navient in XXXX regarding this change & called them to remit my payment. Not only did I make my XXXX payment on time ( prior to XX/XX/XXXX ) but I also paid XXXX during this same initial phone call. Today, I receive a letter from Navient advising that my account is past due since I did n't make my XXXX payment. I immediately call in and the representative tells me I never paid XXXX. I candidly went through the timeline with her ( XXXX Agent # XXXX ) and had her confirm that it is impossible for Navient to imply they notified me in XXXX to send my XX/XX/XXXX payment to them since they actually acquired my loan on XX/XX/XXXX. She verified that I had in fact called in XXXX and made 2 payments immediately. I explained that I did this proactively since the initial rep explained that I would need to set up an online account with Navient for future payments. Since I had never used their system, I went ahead and made the XXXX payment to avoid any issues. I am most upset at the deceptive practice of reporting my account late to the credit bureaus when in fact I contacted Navient and remitted payment not only for XXXX but also XXXX. I think it is also important to note that for the entire time XXXX held my account, I was only late once when I was in between jobs. Other than that, I always paid in advance of my due date. I do n't know the laws regarding account acquisition but I would have to imagine there is some sort of grace period put in place to allow for the transition of accounts. This absolutely ridiculous to me that my account is being reflected as negative.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OR)

I keep seeing different amounts that I supposedly owe on my credit report. I 'm also concerned about the fact that I see the loans reported multiple times on my credit report. I also have no clue who to contact because Navient and Pioneer both are giving me the run around.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CA)

I co signed a student loan for my nephew. It 's a small loan and he now has a job and has been making payments. Even though payments have been made, I am called on my work cell phone repeatedly. And when I say repeatedly, it can be up to five times in one day. I 've also received letters threatening legal action. This is despite the fact that my nephew, although is late on occasion, has been fairly consistent in making payments.
Consumer complaint received 2015-03-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MN)

Navient has not provided me with an accurate XXXX Student Loan interest paid statement for my private Student Excel loan. Account number XXXX. When requesting a XXXX by phone I was directed to a customer service representative specifically trained in Private loans and was assured I would receive it in my email. The attached form was received and is not accurate nor a XXXX. 

I received a notice on the automated phone system that a self certifying form to confirm the interest paid for my XXXX was sent to my mailing address was correct but I have not received it yet nor is it available online for download. This is an unnecessary burden mean to discourage borrowers from receiving tax benefits for private loans. The XXXX should be available and should have been mailed to me since i paid more than {$600.00} in interest and capitalized interest in the 2014 tax year.
Consumer complaint received 2017-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AZ)

I attended a school online. XXXX XXXX online. I applied for F.A.S.A I felt that I could handle the payments. When I stopped going to school, I was told the school closed. I called them the other day and only the online school I attended had closed. The people that I had received the loan from did not notify me of any bill or payment plan or management. A few months later, I received a paper from them saying this bill was paid in full. Then I was notified by Navient to pay up. My payments were XXXX a month. I had been on XXXX for seven years and was afraid I could not even get a job. i recieved threatening phone calls from Navient and told I would have my bank seized and would never be able to get another student loan. I was told where to find information about this bill. So I looked on their web page. They are charging me double what the school costs. They sent me a letter saying it was a federal crime to lie. So I am being cheated and do not know how to get out of it.
Consumer complaint received 2015-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Navient deducted a private student loan payment from my credit union checking account without any authorization from me. I have contacted them several times over the past 2 months ( XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 ), sent them copies of my bank statement via fax ( XXXX/XXXX/15 ) and email ( XXXX/XXXX/15 ), yet they fail to refund the {$23.00} insufficient funds fee I incurred as a result of their unauthorized bank debit.
Consumer complaint received 2016-10-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IL)

My husband has XXXX because of cost of XXXX we were forced into chapter XXXX Navient did not notify us that they refused the BK court ruling until XX/XX/2016. We contacted them they said we could pay {$50.00} to defer payments for 3 months to give us an opportunity to resolve the issue. XXXX 's credit report shows paid in XX/XX/XXXX then XX/XX/XXXX 60 days late??? So after a BK showing a late payment ( which I have sent them ALL supporting credit reports ) we have no chance to purchase a car, home or anything else. They refuse to correct their mistake on our credit. We were not late and the minute we were notified we contacted them and paid the fee to defer for 3 months. We would just ask that Navient removes the 60 day late off of Our credit as this is an error on their part. Obviously if we were current in XX/XX/XXXX we could n't be 60 days late XX/XX/XXXX. Please help us remove this from our credit! My husband has XXXX. He has been so worried about this. We only want them to report it fairly. Thank you so much I pray you can help us.
Consumer complaint received 2017-03-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I made a payment over the phone to Navient to my private loan account, which is the only one I 'm not in deferment for. They applied most of the payment to the deferred account and only {$9.00} to the account I 'm actively making payments on. When I was on the phone I was very clear on which account to apply the payment to.
Consumer complaint received 2016-10-11
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (TX)

I live in XXXX. I bought a XXXX XXXX van in XXXX online and had it shipped to XXXX. That was in XXXX 2016. Despite many hours on the phone and in person I have been unable to register my truck in Texas. Therefore I am paying for a truck I can not drive. It is financed thru Ally Financial. I need a copy of the original title to register in XXXX. I have made numerous requests. XXXX tax accessor has made numerous requests. The last time XXXX XXXX. Ally customer service has been rude. They never show that I have been calling. They refuse to send me a copy of the tittle which is now what XXXX is recommending. Ally claims no one has requested title. They did eventually send an " electronic title '' to XXXX on XXXX XXXX but this electronic title is not recognized by the state of XXXX. I have explained that many times. I do not know what to do. XXXX says they can not do anything else. Their phone calls have not been returned. It 's such a simple solution. Just send me, and or, the XXXX tax accessor 's office in XXXX a copy of the original title. Even the title company that Ally contracts with told me that they have the paper title from XXXX but Ally would not allow them to send it to me. In XXXX I have always had a copy of the paper title. It would show ally as the lein holder so I ca n't use it for anything other than to show ownership. 
Please help
Consumer complaint received 2015-10-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (TX)

Yes we my wife bought a car and in order for her to get the car I had to sign in on the note as well. Right now we are separated and have been for a year she got a rent house to stay along with my son and I 'm paying child support as state order we both had jobs that downsized which changed our income tremendously and I 'm staying with my sister and husband. Now I 'm trying to get a place for myself to live but GMAC has a suit on me and I was denied a place to live because of it with no idea of the suit.My name is XXXX XXXX XXXX, XXXX ... XXXX XXXX XXXX XXXX XXXX, Texas XXXX ... XXXX ... ssn XXXX. But the return on the automobile was vouluntarily on my wife part because she got a better car for the prices and it was stated to her to do that..my its affecting everything I want to do..it just killing me to get ahead here.
Consumer complaint received 2015-06-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

In XXXX, I lived in XXXX. I had never made enough money to be required to pay XXXX state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XXXX ; he XXXX shortly thereafter. I had no idea that XXXX was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew XXXX would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XXXX taxes, requesting my refund and that the lien be removed from my credit report. The XXXX FTB can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the FTB that stated the tax return I submitted on XXXX/XXXX/XXXX, XXXX days after the lien was filed, showed a balance due of XXXX. 

It is frustrating to see that the lien shows " paid '' on my XXXX credit report, as I never paid a single dime to have it removed, because I owed them absolutely XXXX, and they owed me {$350.00}. 

XXXX shows no status at all, not paid or released, just ... nothing. 

I do not know what Experian shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX Wife )
Consumer complaint received 2015-11-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CO)

I have paid my car loan every month on time and my car loan company has reported me 30 days late for the past 3 months. On my credit report it stated I was 30 days late for XX/XX/XXXX on XX/XX/XXXX. I am in the process of purchasing a home. I am unable to proceed because my credit score and report have been negatively affected by the false reporting. I have contacted the loan company and was on the phone for an hour and a half with no resolution. I was told it takes at least 20 days to research the problem. This is causing myself and my family major problems in getting a mortgage for a property that we want to buy. We risk loosing the opportunity to purchase what we want because of the negative reporting in error. 
As you can see in the attachment of my payments there is only XXXX late fee assessed and it is in XX/XX/XXXX. This was not late as you can see it was paid on XXXX XXXX.
Consumer complaint received 2015-07-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (GA)

The XXXX cadillac was wrecked XXXX/XXXX/XXXX. Ally was notified on XXXX/XXXX/XXXX that the car was total loss by XXXX insurance. At that time the insurance company requested the necessary documentation for the title. I completed my POA and returned to XXXX before XXXX/XXXX/XXXX. On XXXX, I received a call from Ally 's collections department. I advised the rep of situation and stated the check should be sent to pay off the debt. I called XXXX on XXXX, they stated all the documents had not been received and that Ally is known to send half of the information however the rep stated would request again. I received another call from collections and advised them again that this was to be taken care ... long story short - I have been on the phone with Ally and XXXX for several hours each week to get resolution. Finally on XXXX a check was over night to Ally. I get collection call on XXXX from Ally, I ask why are you calling a check was sent and signed by XXXX XXXX on XXXX at XXXX. Of course no body knows! Then I am finally told it takes 2 to 3 business to post payment. Ally 's customer service is horrible and this should not reflect by credit history negatively. I should not have to spend hours on the phone regarding paper needed to pay off a loan. This type of procedure should be common procedure that loan companies and insurances deal with all the time, but ever one just wants to point the finger at the other.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (MI)

I checked my XXXX today on XXXX XXXX 2016 and found that I have an unauthorized hard inquiry from XXXX XXXX on XXXX XXXX 2016 on my equifax credit report. This was not done by me I do n't know if there is something opened in my name because as of now it only show the inquiry. I do n't want to get stuck with something that I did n't do. This is fraud if XXXX have anything open in my name.
Consumer complaint received 2017-02-14
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (GA)

I visited a XXXX XXXX XXXX in XXXX of XXXX. They asked for my insurance information and submitted the claim to insurance. Apparently, my insurance company did not pay any amount of the claim, so they handed the bill over to a debt collector. I never received a bill from XXXX XXXX XXXX before it was given to a debt collector. The first time the debt collector called me in XXXX of XXXX, I still had not received a bill. The debt collector tried to bully me into paying over the phone. I told him I was uncomfortable giving my credit card information over the phone, especially since I had never received a bill. He was very aggressive and finally I had to hang up on him. The bill arrived to my house about a week later ( on a Saturday, XXXX XXXX ). The following Monday ( XXXX XXXX ), he called me 4 times while I was at work. I did not take the call. When I got home that Monday evening, I attempted to pay the bill online using the Transworld Systems , Inc. website. The unique code they gave me did not work and stated that I had to call them to pay over the phone. Instead, I placed a check in the mail. I do not believe it is appropriate to involve a debt collector before a patient has even had an opportunity to pay the bill. I never saw a bill from XXXX XXXX and only received the bill from Transworld Systems , Inc. after being harassed on the phone.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Other — 
Company: Colony Brands, Inc. (AZ)

I hired a law firm to help me with some of my credit issues. I have an account with XXXX XXXX and the law firm that I hired confirmed that the last time I made any payment was in XXXX of XXXX. According to my attorney, this account is past the Statute of Limitations and also past the reporting period for accounts to be reported on a persons credit report. They first sent out a letter via fax to inform them of what my attorneys stance was on XXXX XXXX XXXX. On XXXX XXXX XXXX I checked my credit report and the XXXX XXXX account still remains on my credit report. On XXXX XXXX XXXX, my attorney 's office called XXXX XXXX to follow up on the letter that they had sent. XXXX XXXX stated that they will continue to report it to the Credit Bureaus because the time started when the account was charged off in XXXX and not when I made my last payment in XXXX of XXXX.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I HAVE SEVERAL STUDENT LOANS WITH XXXX XXXX TO ATTEND SCHOOL AND WANT TO MAKE SURE THAT I AM PROTECTED DURING THIS ACTIVE LAWSUIT AGAINST NAVIENT FORMALLY XXXX XXXX
Consumer complaint received 2017-02-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I am receiving calls from Navient from XXXX until XXXX. They call up to six or more times a day and even call me at work when I have ask them many times not to do so. I have tried to work out arrangements but they want more than I can afford. I need relief.
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CO)

I have been repaying a student loan since XXXX the loan was consolidated in XXXX. After consolidation the loan amount was {$27000.00}. I had trouble repaying early on and the loan was put into forbearance. This happened twice. Interest capitalized several times to the amount of {$23000.00}. I have made payments over the years totaling {$60000.00}. I have looked through my account and I do n't understand how I still owe over {$34000.00}. I have reached out to XXXX ( now Navient ) many times over the years and the response has always been " oh well that 's just how it is ''. If I took out the loan in XXXX and repayment was over 20 years at 8 % and I never deferred payments, I would have paid the loan off in XXXX and total dollar amount of payments would have been {$54000.00}. I take responsibility for my lack of knowledge in how capitalized interest works but I was never counseled by XXXX ( Navient ) on how to manage this debt, even though I asked for help many times. I should n't have {$34000.00} still to pay on my student loan. It feels a lot like the government is profiting from student borrowers lack of understanding.