davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I submitted a Federal Consolidation Application for all of my loans, however, Navient only consolidated some loans making the consolidation ONLY benefit the bank, Navient. 

They consolidated only my oldest loans, from XXXX they only ones I also had payment history on. They did not combine any other loans and so the recent loans with higher rates were not included. 

There was no benefit at all for me the borrower, despite the offer that consolidation would benefit me. Here 's what happened instead, benefitting just Navient, the bank : they capitalized {$22000.00} in interest to the principal of the loan, lowering my credit score instantly, and they changed the loan date from XX/XX/XXXX to XX/XX/XXXX thereby ensuring I will be dead before any loan is paid off. 

US Dept of Education sent me this consolidation under the guise I 'd have lower interest, one payment, more options to pay it off but instead this has benefitted ONLY the bank! Finally, when I 'm on the Federal Student Aid clearinghouse website there is no appication to review and loans from XX/XX/XXXX prior have no MPN. How could the application just dissappear? 

I appreciate your investigation into why borrowers are being scammed by US Dept of Ed and Navient into consolidation that harms the borrower. I 've mostly been unemployed so this truly hurts me multiple ways.
Consumer complaint received 2017-02-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

I have a large student loan now being serviced by Navient. When I first graduated from college they ( then XXXX XXXX ) had me go into forbearance twice instead of pushing me towards an income based payment plan. Once I got a better job, they had me start paying the loans off. I thought I was making a dent in the principal, but they had me in some weird interest only program. I was young and trying to figure this all out on my own, so I had no idea what was going on. For 3 years I was paying almost XXXX a month thinking I was getting my student debt down only to find out in year 4 that it was all for not. They cheated me out of a ton of money and here I am 9 years out of school with almost 9 years left of paying this loan off. These people are terrible and should be held accountable for their shady actions. They are stealing money from people and it makes no sense. I understand that I borrowed money and need to pay it back with some interest, but they way they conducted business is absolute fraud.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I had direct withdrawals for all payments, My loan was sent to collections because I was n't paying. When I called to address this issue I was told the terms of my loan had changed since navient took over my loan from XXXX. Since this change occurred they could no longer use my direct withdrawal information and since I was n't paying this put me in default. I was never notified, ever that this change was occurring. I would have gladly continued to pay with direct withdrawal. This was turned over to a collection agency to manage so now my credit is in jeopardy all do to their XXXX practice.
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. (CA)

I started repayment of my XXXX student loans in XXXX. In XXXX the loans were taken over by XXXX XXXX, in XXXX by XXXX, in XXXX by XXXX, in XXXX by XXXX XXXX, in XXXX by XXXX XXXX, then in XXXX by Navient. Given that the loans totaled a little over {$24000.00} It seamed to me that the balance was not going down as fast as it should be so I called customer service. I asked for the history of my loans from start of repayment to present day. They stated they do not have access to that data and they could only give me Navient payments. I had done a little research and found that Navient was the same company as XXXX XXXX and that they changed their name with the SEC. I told customer service that they should have access to all the XXXX XXXX records as well but they stated they did not. I asked for a manager and was denied. I have just finished recreating my payment history via old check registers and I found a {$2000.00} discrepancy in my favor. I had planned on creating a letter this weekend with all my documentation to send to their legal department. I was figuring on having to build a case against them. I saw the article today on the FED 's law suit against Navient and decided this would be a helpful avenue to help me deal with them. I would like to check more than 1 box below but your site only allows 1.
Consumer complaint received 2017-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

They have repeatedly advanced my due date when I made extra payments. And they take 3 to 5 days to " extract '' or " pull '' the payment from my auto pay account so every month when the payment is due, my account show it 's not been paid until 5 days later and I and my family freak XXXX out.
Consumer complaint received 2015-12-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (DE)

This phone number calls my work phone several times a day, early in the morning and late at night. If I pick up no body talks, it is suppose to be a debt collecting agency and I do n't understand how they can be calling to collect a debt if the phone number is associated with a corporate account
Consumer complaint received 2021-04-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (FL)

There is an account reporting on my credit report with Wells Fargo/XXXX for {$1200.00}. I never had an account with them. I have sent several letter through certified mail asking them to verify this debt belongs to me and never received a response from this debt collector. Also, I've made it clear that this debt does not belong to and but they insist that I pay the settlement that was offer to me for {$510.00}. I paid the debt and they still refuse to remove it from my credit history.
Consumer complaint received 2015-03-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I attended XXXX Illinois University in XXXX, IL from XXXX. It was difficult for me to find a full time position after graduating and my loans went into forbearance. In those XXXX years of looking for a job I gained {$30000.00} in interest on my XXXX loans. Sallie Mae/Navient is currently charging me an entire paycheck as a monthly payment and have screwed up time and time again on taking out my monthly payments after signing up for automatic debt. I am currently attending school again, and have notified XXXX XXXX to expire my deferment because I want to continue to make payments. They have not done so and have screwed up my payments while accumulating more interest on my loans. I have called XXXX times to complain/understand what is happening and they continue to give me the same excuse, that my payment for the month is past the deadline in which they can take it out, so wait till next month. I would n't have to wait if they would have done their job in the XXXX place. I even have documentation that shows that they expired my deferment. All I get is a " I understand '' " We are sorry you feel that way ''. Something needs to change, I am sure I am not the only XXXX they are doing this to. It is sad that I am regretting getting my XXXX, if I never did I would n't have to deal with such a XXXX company.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

Due to the large amount of debt that I have incurred going to school, I have not been able to pay on both my private and federal student loans. When brought to the attention of my company, they simply say they can not lower the payments in any capacity to allow me to actually make payments and thus I have had to use all of my forbearance that I am allotted. I will have none left come XX/XX/XXXX, and they refuse to work with me on lowering any of my payment amounts so that I am able to make any kind of attempt to pay the loans off. I am living paycheck to paycheck because of these student loans and see no reprieve or even attempt to lower the payments so that I can actually make them.
Consumer complaint received 2017-02-23
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NY)

An online order in the amount of Approximately {$2000.00} was placed with XXXX on or about XXXX, 2016. Said order was subsequently cancelled by the merchant due to the previously opened dispute stemming from defective merchandise etc ... I have never received said order or signed for the merchandise. 
Collection agency was requested to submit proof of purchase along with their DCA license number numerous times, however, failed to do so. Their correspondence was received in rapid ... less than a week between letters sequence ... that not only violated any and all rules and procedures listed in Administrative Code, but made it look like Debt Collection Agency did n't receive my response and/or did n't feel like responding to my correspondence ...
Consumer complaint received 2016-10-03
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: VW Credit, Inc (VA)

Volkswagen credit sent me a {$0.00} balance statement from my payoff of my lease XX/XX/XXXX. In that statement in shows that all Residual Value, Fees, Taxes, Scheduled Payments, Rent Charges are included and they gave me a payoff amount of {$26000.00}. I remitted that amount and they sent me my title. 

XX/XX/XXXX or XX/XX/XXXX VW Credit started sending letters asking for an additional {$540.00} for property tax that they say they paid XXXX. I provided the documentation of the final billing statement and the title that was issued and asked for some documentation of the property taxes. I especially pointed out that if they are claiming that the property taxes were paid XX/XX/XXXX, they certainly should have been on the statement that I received on XX/XX/XXXX or shown as possible charges on that statement. VW Credit has refused to provide any documentation showing an error whereby they did n't include the taxes, nor have they provided any documentation that they actually paid the tax. When I go to the City of XXXX to see the documents I ca n't get access to everything because I was n't the owner of the car when that bill was allegedly paid. So, I have nothing to go on. Further, when I have shared this with VW Credit, they have twice threatened to send me to a collections agency if I do n't pay their demand for {$540.00} - even though they refuse now to provide any documentation of the bill. 

I feel I am being harassed and threatened and according to XXXX at VW Credit ( ext. XXXX ) there are a bunch of consumers who are being harassed in the same way without documentation of taxes paid.
Consumer complaint received 2015-06-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

I have XXXX private student loans ( $ XXXX+ ) with Navient, formally XXXX XXXX from when I attended XXXX XXXX Universities XXXX Program. Nearly a XXXX ago I had to nearly default on the loan to get into a reduced rate program. While in that program my rates where reduced to 1 % and after tabulating my income ( family of XXXX, wife XXXX ) and expenses they determined the best payment I could get was {$310.00} a month with was 95 % of my discretionary income. To contrast I have an equal amount in Federal Student loans and my Income based repayment is {$31.00} a month! This program I am in has to be recalculated and I spent an hour today speaking with representatives at Navient XXXX XXXX XXXX, XXXX XXXX XXXX. And they told me that my interest rate would be increasing and that the BEST payment they could offer me is {$380.00} which is 117 % of my discretionary income!! My rent has gone up and my family of XXXX is living in a XXXX bedroom house! This is no way to live! I need help here!!!
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KY)

I 've had a student loan for about 8 years and financial squeezed for a majority of that time. For at least the first 5-6 years I 've had my loans in deferment because I was suggested it by my loan sevicer. Not until recently, because I 've been adament about repaying did I hear about the income based repayment program that is offered. Furthermore I have XXXX different loans all with drastically different interest rates. The repayment process seems convoluted and hindered with many obstacles. I 've made well over a years worth of payments and my loans have seemed to increased exponentially. I feel like that my loan servicer is clearly not interested in cooperating with reducing my loan balance and is clearly more interested with my interest %.
Consumer complaint received 2016-06-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

What 's up with these XXXX banks, forcing us, against our will, to use their flawed, chipped cards? On XXXX XXXX, 2016 I stopped to get some groceries on my way home from work. I bought XXXX dollars worth of food and was told at the check stand my card was refused. On XXXX XXXX I called my bank ( Chase ) and was informed that they de-activated my ATM card, which expires XXXX, and that I HAD to use the chipped card that they sent me. I told them that I never received a new card from them, that I did n't want to use a chipped card, and that short of going into the bank for each and every transaction that I had no access to my money. Their response was that they could direct me to a place where I could go to pick up an expediated card! their card is flawed! I 've seen Chase Customers go up to Chase ATM 's and walk away saying that the ATM was broken. I put my non chipped card in and the ATM worked just fine! Many stores are NOT or only partially set up to use a chipped card. A flawed system should not be foisted upon people who do n't want it. When they came out with a finger print option on your card, it WAS just an option. Now Chase and a few other banks are forcing customers to use a flawed system and I 'm unable to reasonably be able to access my funds! Ca n't Chase and these other banks be told to honor their customers valid ATM debit cards? Is n't there a way that they can be forced to give their customers a choice as to the service they want? XXXX shoe does NOT! fit all! I 've received absolutely no prior notice from Chase and they are denying me proper access to those funds.
Consumer complaint received 2017-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AZ)

I currently am the verge of defaulting on this private loan. I sent Navient XXXX and am willing to send another XXXX every month. The payment amount is XXXX per month and im 3 months behind. At this time i am unable to afford XXXX a month. A representative on XX/XX/XXXX took a financial statement from me and offered me a program that is for 15 mos at a interest rate of 2 percent of the loan and it only covers interest. The payment would be XXXX. I told her i am unable to afford the XXXX this time. I have a financial hardship what else can you offer me? She said nothing can be done. 

I need something else done with this loan. This loan is illegal it originated in my early XXXX. The interest rates are so high that its designed for me to never pau it off. 
The school XXXX that signed me up for this illegal loan had many lawsuits due to their bad business practices and has since gone out of business. I asked that this loan be forgiven. Ive been paying pure interest to this loan for 10 years and i now owe XXXX and i fear itll be XXXX by the time i reach retirement age. Again, since i do not meet any of your programs i ask for this loan to be forgiven.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I have three complaints 1. Three years ago my husband ran out of forebearances and deferments on his loan and Navient said that his repayment would be {$590.00} a month ( {$60.00} was to principle. ) He told them we could n't afford it and they checked his income again and said that was the best they could do. We made payments ( under extreme financial duress ) for 8 months. Then my loans went into repayment also - {$450.00} and we could n't pay anymore. Navient would n't help either of us. 
Finally when we came close to defaulting, I recieved a call from XXXX and the man on the phone told me about the IBR plan, which had been in effect this whole time. 
Navient NEVER mentioned it. 
My husband and I applied for an IBR plan and our repayments were set at {$170.00} and {$180.00}. 
During the two months that Navient considered our applications for the IBR they continued to charge us the former payment and claimed that we still owed it. 
2. I 've now been in the IBR repayment plan for 3 years. Each year though I begin the recalculation process and Navient screws it up, loses paperwork, stalls, takes two months or more, loses mine or my husband 's paperwork, or claims that we clicked a wrong button ( this year apparently my husband claimed that he did n't have a wife even though they service my loans, had already approved my request for an IBR based on his income, and every other year I am on his IBR request ) During the months that it took to get the IBR request reinstated Navient charges us for missed payments. 
3. Right now we are on a {$0.00} repayment because my husband was out of work. While the IBR was recalculated last spring it took 3 months to get his paperwork right. He was charged {$1700.00} during that three months and even though he does n't owe any IBR payment, they want him to pay the {$1700.00} while we waited for them to calculate my IBR. Navient calls him twice a day demanding payment, even on holidays. he no longer answers the phone.
Consumer complaint received 2015-06-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

When navient was still XXXX XXXX I applied to release my co-signor. They told me that I had to make XXXX consecutive ontime paymentsand my previous XXXX payments did not count because I had a forberanace after that. 
I made all XXXX payments, in fact, at this point I have made close to XXXX consecutive on time payments and now Navient refuses to release my father as the co-signor. My loan with Navient is the first thing I pay each month and it is in automatic payments from my bank account. XXXX XXXX agreed to release my father as co-signor and Navient should have to hold up the verbal promise that was made by XXXX XXXX. Navient is telling me it is in their discretion to release co-signors, but that is not what XXXX XXXX told me. Not to mention that is breach of a contract.
Consumer complaint received 2016-03-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

XXXX XXXX XXXX I am sending you the credit report number from XXXX. I am requesting the collection be cleared from all credit reporting agencies and my account be put in good standing and paid in full. I also am attaching Navient 's written correspondence indicating not to make any payments while the funds were being processed. I called at XXXX on XXXX XXXX asking about the delinquent status being reported on my credit report. I spoke with Christen ( XXXX ) and she gave me a request work number of XXXX. I am requesting immediate action on this request with follow-up.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

I do not understand why I am unable to get a lower interest rate because consolidation happened so long ago. Why is it that new borrowers receive lower rates while those of us that have had loans for years are not seeing any significant decrease because of the high interest rate.
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. (CA)

This is regarding student loan servicer Navient. I was granted in In-School deferment XXXX that was scheduled to end XXXX. On XX/XX/XXXX I was informed by e-mail that they had granted by deferment in error and that I would go into repayment immediately. I got over XXXX e-mails from Navient over the next 24 hours. One e-mail informed me my payment due was {$680.00} ( this is the amount that has been listed for several years and the payment I was financially preparing for ). When I logged into the Navient website, it informed me that the payment was now {$720.00} and that they had added over $ XXXX in capitalized interest. before this my total in loans was approx $ XXXX and now it has swelled overnight to $ XXXX When I spoke to the customer advocate, she said some interest was added because the in-school deferment was granted in error and I now owed interest for that time period. She also said there was another mistake by Navient and I was never charged interest for a previous forbearance so that was added as well. However, I have gotten no explanation and no correspondence explaining why $ XXXX in capatalized interest was added to my account with no warning. I requested that since this is Navient 's own mistake that they remove these interest charges from my account. I have not gotten a response, the only resolution they offered was changing to a different payment plan, but that would still make me responsible for paying the interest for their error.