davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

To Whom it May Concern : My name is XXXX XXXX and I 'm a wife and mother of XXXX children. I have paid my student loans every month since I graduated from college. After returning to school to get my XXXX in XXXX, I requested a payment plan that reflected my income, rather than the payments XXXX/Navient was requiring me to make. These payments were more than {$300.00} over my bi-weekly paycheck and made it impossible for me to pay other living expenses. XXXX allowed me to go on an income-based repayment plan for 18 mo twice. The payments were still very high, but I paid them every month. They did cause me financial hardship. I re-enrolled in the income-based repayment program again after the 18mo ended. I was given another 18mo and continued to pay on time each month despite having increased financial hardships from paying them. My account was then transferred to Navient at that point and each month, my payment was not distributed properly to my multiple loans. I incurred numerous fees and high interest rates on the loans that were not being paid because of this distribution error, and I called at least five times over the following months to have it fixed. Each time I was told they had fixed it and the fees, but then a few months later I would see that it had not been repaired and my loans were in default. At the end of the second 18 mo income-based repayment plan, I was told there were no more options and I would have to pay the full amount each month. This was now {$500.00} more than my bi-weekly paycheck and I have XXXX children to take care of. I am unable to pay this amount and have been in default since. My father is paying almost $ XXXX/mo towards the few loans he co-signed to keep his credit score from being affected, and it 's causing him considerable financial hardships. My own credit score is extremely low now, and my family is unable to purchase a house or a car. I have now been sent to collections. I am completely unable to make these high payments despite being employed full-time as a XXXX. I am out of options and feeling beyond frustrated with this situation. Thank you for your time and assistance. XXXX XXXX
Consumer complaint received 2020-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (PA)

I went to XXXX XXXX XXXX XXXX XXXX XXXX to open an account and was denied because the bank representative stated I had a charge off checking account in the amount of {$9600.00} with Citi bank from XXXX to XXXX. I am a victim of identity theft. I never open a bank account with Citi bank in XXXX to XXXX. I do not have Citi branch in my city of Philadelphia. I contacted their customer service department over 15 times and I have not received any help or nor have my problem been resolved. I dont understand why would they let someone open an account in my name. I never received any information from citi bank stating they had an account in my name.
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CT)

The loan balance never goes down. Whenever I phone them to talk about the balance they cant even provide me information on how the interest is calculated. 

When you log in to the account online there is no information on current balance, or interest applied to the current balance. My loan is 5200 $ ( aprox ) and when I calculate 6.8 % that is 350 $ roughly annually, this would be okay but I always pay more than 350 $ /12 - I think that the way they calculate their interest is slimy and not honest.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

On  XXXX    XXXX  ,2017 there was an inquiry on my credit report from  XXXX   XXXX  and I did not authorize this or sign any applications.
Consumer complaint received 2017-01-28
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)

I was not made aware that XXXX changed their name. They stop payments on my account and then out of no where after 1-2 years began with drawing unauthorized amount from my account. They do not allow me to log into my account online or send me statements. Raised my interest. Charged me for unnecessary late fees.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (DC)

Hi, my name is XXXX XXXX and I want to file a complaint concerning the day I was bullied by my " loan servicer '' & company on XXXX/XXXX/XXXX. On this day, a few days after I was asked what I would do if my family 's wages got garnished because of my inability to pay them, I told them that I could only pay them {$70.00} and that I was willing to pay that amount to them per month. Navient said that {$70.00} was n't an option and that I would either have to set up a monthly payment amount of {$130.00} from that day forward or pay {$200.00} to keep my loan out of pre-default. I pleaded to them that I was only interested in choosing a payment amount that I could maintain monthly, and not revert within months. ( Years earlier I was goaded into aceepting a payment plan with an outrageously large price point in regards to my income ). They said this was the best they could do for me. When I told them that I was only able pay {$70.00} they told me no because it would n't be enough to match their price point and hung up on me. I actually had to call THEM back just to pay them. 

My aunt, who consigned this loan, told me to mail it in to them but I was afraid that it would n't make it to them in time ( because they only count payments on the day it went through, not when it 's dated ), and that they would move my loan to pre-default status. So I called my aunt to explain the current situation with Navient. After the call, she sent me the following text : " XXXX '' This took an XXXX on me, forcing me to pull money from my other responsibilities to keep the loan out of " pre-default. '' So I called back and paid the extra {$130.00} with money that I had designated for other bills. This brought the final total to {$200.00} when I actually only had {$70.00}. To this date, we have not resolved this issue. I have had several other experiences with Navient that are similar to this one throughout my business with them, dating back to XXXX.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (PA)

Hello, I originally had XXXX private loans through XXXX which were transferred to Navient after the company split. I currently have XXXX remaining with Navient. The current student loan I have with Navient has been active for almost six years but I am still currently paying only the interest on this loan. To be clear, I have paid on this loan for close to six years and I am still not at the point where I am paying the original amount borrowed. They have not helped me when I called about this in the past, nor have they provided me with any sort of reasonable explanation as to why I am stuck with this terrible loan. In fact, I asked the women I spoke to over the phone if my race ( I am XXXX ) had anything to do with this seemingly suspicious loan and her response was " I do n't think so '' which I found for lack of a better word, insane.
Consumer complaint received 2017-03-11
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Navient Solutions, LLC. (NY)

Municipal Service Bureau ( MSB ), acting as a collection agency on behalf of XXXX, NY ( XXXX ) has requested a payment in the amount of {$1300.00} for a service that was never requested. 

XXXX. also acting as a debt collection on behalf of XXXX, has also made an attempt to collect this debt in the amount of {$380.00} for services that were never rendered. 

Please note, that supporting documentation can be provided upon request.
Consumer complaint received 2016-02-11
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP (NY)

Selene financed submitted a letter dated XXXX/XXXX/XXXX concerning Case # XXXX on XXXX/XXXX/XXXX ( Validation of Debt Notice ). This letter was never delivered to me. We were not given the opportunity to dispute this debt since Selene DID NOT send it to us. If it had been sent, We would have definitely disputed the amount. We were current on our mortgage until XXXX, XXXX, when we fell on hard times. We were granted a Forbearance from XXXX XXXX through XXXX XXXX, which we satisfied, therefore, how can Selene say we are in default beginning XXXX XXXX? XXXX! Now XXXX entities are Dual Tracking - XXXX & Selene Financing. Selene is in talks with us concerning various modification options and XXXX continues to proceed with foreclosure. We were not given our Due Process because we were not informed. We have found many documents recorded in the XXXX XXXX 's office claiming XXXX mailed or delivered documents to us, were NOT mailed or delivered to us. We will continue to notify govt entities and make them aware of these unscrupulous acts.
Consumer complaint received 2017-03-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (PA)

on XX/XX/XXXX, I meant to send a billpay payment to Citibank for a credit card account, in the amount of XXXX i accidentally send them a payment for XXXX, resulting in an overpayment of {$21000.00}. I have been promised a refund as of XX/XX/XXXX and as of today, XX/XX/XXXX, i STILL have received NO refund. It has been almost 60 days since i first called in for a refund. I have called 5 additional times over that timeframe, each time escalating the lack of refund and Citibank has done NOTHING except promise me a refund within the week and giving me no refund. Twice we have spent over an hour on the phone while they insist on verifying the payment with my bank, which just wasted my time and made me even more upset. At this point i do n't believe that Citibank will give me any refund. I believe that they intend to keep the overpayment. The lack of refund is unethical and can not be legal. How can they get away with treating customers this way?
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. ()

My relationship through Navient was a constant source of XXXX in my life. I contacted Navient several times in order to determine whether my loans were eligible for reduced payments without going into forbearance. I was told that because I was not residing in the US that my loans were ineligible for income based repayment, for both Federal Student Loans and Private Student Loans that were consolidated at an exorbitantly high interest rate, 8 %, in XXXX. We were advised ( threatened ) that interest rates would go up even further so consolidation was the only viable option. I was neither able to renegotiate later when interest rates went down dramatically nor re-consolidate at a lower rate. When I gave XXXX in XXXX and was subsequently XXXX, I communicated with the lender and was told I could defer payments and then was sent a bill for the months missed with compounded interest. When I was able to pay extra towards my loans, in XXXX, it was never put towards the prinicple. 
My loans were handled in a vile fashion. I never felt represented or helped, only taken advantage of and XXXX at every turn. We depleted our family savings in order to get this repulsive agency out of our lives every month.
Consumer complaint received 2016-03-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

XX/XX/XXXX, my ex boyfriend, took a school loan for truck career driving and he needed a co-signer. I refused and he asked me to speak with the career trainer at the school. I spoke with him and again told him no. The following week, my ex, told me that he was approved for the loan and going to school. I asked him how did he manage to do this without a co-signer and he said that the school didnt need me to sign anything that they would use my name as a reference only. I did not know that my ex, the father of my XXXX children, had literally lied and forged my name. He knew my name, dob, address, place of employment and social security number. 
Well, the first year of this loan ( he used my address for his mailing correspondence ), he stated he only had to make XXXX payments per month. He would ask me to make the payment by mail for him and he paid me back. Well, the second year came around and now he was receiving mail constantly from Sallie Mae and then I started to receive phone calls at my residence and they were asking for me, I couldnt believe it. I picked up the phone to find out that I was the co-signer. I tried to explain and they wouldnt hear it. I found out he was seriously past due and that they were gon na take me to court for garnishment because of course they cant find him and no place of employment. Thats because he is XXXX and even the IRS is looking for him for fraudelant tax returns for XXXX XXXX. Georgia dept of revenue is looking for him as well. I have been making the payments of XXXX a month for last 5 years and still owe XXXX dollars. I have had my place of employment for 15 years and my home for 12 years and they come after me because he is gone. He has fled to XXXX XXXX and refuses to help me with this nightmare. It isnt on his credit report as bad debt it is on mine and will remain till XXXX. Are u serious??? Please help me with this. I have tried to talk to them about this being a fraud and they just blew me off. Because of him being late and not paying, the amount due today, which is 8 years later, is the amount of original loan. I will not be done till XXXX and I feel that Sallie Mae or XXXX, isnt gon na help me at all. I have asked them for loan documents and they state I can get online, but when I double click on the loan documents there isnt anything there. I have never seen the loan documents only the invoices. I was told I am screwed because of cosigning, but i didnt cosign this loan. Also, my ex has told me that the school is no longer open, went under. I dont know the name of the school.
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I got a private student loan from XXXX XXXX, which has since been transferred to Navient. The original loan amount was for {$30000.00}. Since the first getting the loan I have paid over {$23000.00} in interest ( interest rate is currently at 12.125 % ) and I still owe {$27000.00}. I will never be able to get out from under this loan even though I have practically paid it off just in interest. Navient has been unhelpful on the multiple occasions that I have reached out to see what options were available to me for paying off my loan. I am XXXX years old and am trying to purchase my first home with no success as I have fallen behind on credit card payments over the years in an effort to pay off my student loan first. It has ruined my credit score, my chances of getting a home loan, and has caused tremendous stress in my life. Additionally, Navient is beyond unethical in how they post my owed payments each month. One month I will owe {$360.00} and the next month it will be {$54.00}. I 've searched my account for a monthly statement that would help me better understand how my money is being applied with no success of finding one. I was directed to put my loan into forbearance, have been denied tax deductions for the interest I have paid on my loan and am honestly at a loss for what to do. I have been in touch with Navient several times to try to negotiate the terms of my loan but they will not talk about repayment options until the loan has had a late payment on it and then that mark goes on my credit score. I do not have the knowledge or power to get myself out from under this loan. It is a huge burden with no relief in site.
Consumer complaint received 2016-10-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

I 'm receiving absolutely no assistance from the credit bureaus and I really need some help. I 'm specifically stating my disputes and I 'm receiving the same result each month when I am clearly pointing out where they are inaccurately reporting my accounts. HOW can they be verified when I am looking right at my credit report and getting the information from there? Please see the attached letters which clearly state where they are wrong. I need someone to help me because this is exactly why the FCRA was enacted - to protect people like me from people like them who do n't give a crap about anything and blatantly and willfully violation the law!
Consumer complaint received 2016-07-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: Comerica (MN)

My complaint is against US Direct Express. I had {$600.00} fraudulently withdrawn from my card on XXXX/XXXX/2016. I noticed the unauthorized transactions on XXXX/XXXX/2016 and contacted direct express @ XXXX XXXX XXXX and notified a rep of the situation. The rep canceled my card and sent me a new one and also sent me a fraud packet to fill out explaining the fraud that occurred. After completing and sending back the required forms weeks passed I had n't heard back from direct express. I called to check status of my dispute and a rep told me my case was closed because there was not enough info to determine if fraud had occurred. They never contacted me or notified of anything. I was then sent a letter from XXXX XXXX in fraud dept. days later with a bank statement explaining to me to circle the fraudulent transactions and return to have my case re opened. I returned the required document immediately and once again I have not heard back from direct express concerning my issue.. I 've tried contacting XXXX XXXX, the lady of the fraud department handling my case, and have got nothing but voicemail. I 've left messages that have been unreturned. It is now XX/XX/XXXX and I 've been {$600.00} short for 5 months, struggling to live with the small income I do have. I beg for help as I do n't know what else to do.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

I have a loan with navient who currently has a lawsuit against them. Also the school that I received the loan from also has a law against them. My original started with direct soi am also requesting verification of the amount of the loan. this matter has caused a lot of stress on me and my family. we can not get any help or loans any where!! navient make it really hard to do anything in life because of the reports they leave on your credit report. this lawsuit they have against them is for the same reason I am filing this complaint they over charging and imposing fees I never agreed to which has my loan more then {$6000.00} over the amount.
Consumer complaint received 2016-08-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

PayPal suspended my account and seized {$2500.00} in funds without warning. They provided no avenue for fund recovery other than to simply hold it ransom for a 180 period, which is simply inexcusable. They shut down my account and froze the funds upon a 2nd appeal.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (WA)

I have repeatedly been placed in forbearance when I asked about {$0.00} payment plans which has caused interest to accrue on my loans to over {$50000.00} on loans that were not nearly so high. I need help with these people. They call and call and call and call but wo n't give me the information that I need for income based repayment plans.
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Equifax refuses to correctly report my credit history. Equifax has deleted important credit information : My current mortgage and student loan has been deleted from my credit report, and they will not report XXXX account that was fraudulently used as closed even after I sent a copy of the letter from the creditor. What kind of investigations do they do when random things are changed without any request. This is very important to me as I am going to be buying a home soon so please help me get Equifax to conduct proper investigations and report accurately. Thank You
Consumer complaint received 2017-02-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

I have private loans ( over $ XXXX ) with Navient for my XXXX. I have been enrolled in school for 2 years ( a XXXX program with XXXX XXXX since XX/XX/2015 ). I requested that Navient put my loans into school deferment. It took approximately one year for them to do this. In that year, my loans accumulated, my past due payments continued, my credit was effected, my phone and my family members phones ( including XXXX aunts and XXXX uncles who are not on the loan ) were harassed multiple times about my loan. I had countless ( over 10 ) phone calls lasting sometimes over an hour long trying to manage this and change this status. I faxed documents of my in school status countless times. I spend a very long time on the phone multiple times trying to obtain this status. XX/XX/2015 I was told I was in school forbearance and had NO payments due. I was told they were updating my online system and not to worry. I asked for payments that my status be back logged to when I actually started school ( a year ago ) so that payments that were made could go to my principle. I was told they would look into it. Within 3 months, despite me still attending school, the phone calls started again, I had past due payments in my account again and my family members started receiving calls again. I was told the in school status was not correct, that I still had payments due. I work full time and go to school full or half time ( depending on the semester ). Managing the account with Navient has been a full time job that I can not afford to have. I would spend hours each day arguing with the members about my status that It became too much of a hassle and I stopped trying.