davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MI)

On XX/XX/2016 I called to request my payment to be increased to pay all my loans off in XXXX mo 's. The representative stated it will be {$790.00} in total. On XX/XX/2016, they pulled {$850.00}, a {$64.00} difference. On XX/XX/2016 I called Navient to request the correct payment and a refund of the {$64.00}. I asked the representative to recalculate my payment so that it could be paid off in XXXX years, and she stated that they miscalculated my payment before and she needed to correct it. She stated my total payment is now going to be {$750.00} .After a XXXX minute call and escalating the issue twice to a supervisor I was approved the refund for {$64.00} and they stated that it would put my account in delinquent status but that status will fall off in a few days. As of XXXX today, my account is still in red despite the fact it was paid. I was told the {$64.00} would credit my account on XX/XX/2016, and no such credit is received. Furthermore, I know the payment of {$750.00} is incorrect because the statement I was issued from them shows a payment term of XXXX months, not XXXX as I requested twice before. I also see on my statement they changed my repayment terms, which might mean I am no longer able to just pay the minimum if I wish to no longer pay my loan aggressively. 
My goal is to have a XXXX month payment amount but not have that be what my minimum required payment amount is. I do n't want them to change the loan terms, but to keep the original agreement I signed in my promissory note to XXXX XXXX before Navient started servicing it. I am increasing my payments to them, so I do n't see why they have to mark me as delinquent and lie to me and say that my payment is XXXX months when looking at my statement it is XXXX months. 
I am employed at a financial institution where I process loans. I am appalled by their behavior and their refusal to correctly calculate payments. They threatened to put my loan as delinquent when I asked for the {$64.00} back even though it was a servicing error on their part. Furthermore, when I faxed a request for a {$10.00} credit for the overdraft fee to my account that ensued by this {$64.00} discrepancy, the request was never addressed and no action was taken on their part to rectify the situation. 
I do n't believe that Navient is acting in the best interest of their customers. My hope is that with this complaint you can look into the company and instigate new regulatory procedures they should follow in order to better their financial relationships.
Consumer complaint received 2017-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

Navient maliciously does not allow you to pay off higher interest loans, even after bringing it to their attention. I called customer service after trying to pay off a 6.5 % loan and the customer service rep said " let me log into your account, it should allow us to choose which loan you would like to pay off. '' After he logged in he found the EXACT same thing as me, it automatically applies the payment to the lowest interest rate loan. All he could say to me was " that is really weird, it wont let me either but it should. Give me 24 hours XXXX and we will have it rectified. '' Well, I gave them more than a week and the website still does not allow you to choose which loans you want to pay off. With XXXX Americans in default you would think the US Govt would want people like myself trying to pay off their debt EARLY.
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (WI)

I took out a mortgage XXXX XXXX XXXX from PNC Mortgage. I received a copy of the Promissory Note, alone with the the State of Wisconsin NOTARY PUBLIC. The document that i have received is a forge document. It is not my or my wife signature. The names are spell wrong. The document state that i appeared before XXXX XXXX XXXX on XXXX XXXX XXXX and her commission expires XXXX XXXX XXXX this is not a real NOTARY FORM. I took this loan out on XXXX XXXX XXXX. How can i appear on XXXX XXXX XXXX. PNC NO RESPONSE
Consumer complaint received 2016-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MD)

My loan went into default, I received a letter from XXXX XXXX XXXX in XX/XX/XXXX I believe. I was n't sure why they had my loan, so I called and they explained they had my loan. I then asked if they would send out another letter. I received the letter XX/XX/XXXX. 
I then called to make arrangements. The women on the phone hung up on me when stated I needed to go to XXXX and get a card so that she can take the money from ( because my bank accounts are being garnished ) and I will call her back. I felt this was very rude and was n't sure if this was a legitimate company. In XXXX I sent Navient through fax my financial information and a letter stating I wanted to make arrangements. I heard no word. I then received a letter from Pioneer. I called them and mention I do n't know what is going on because I have letters from XXXX different companies. I called pioneer again today at first I did n't want to submit the information they were asking but I realized I called them and not them call me asking for disclosure. I then spoke with XXXX XXXX who transferred me to XXXX XXXX. When we got to the part about my phone number I stated I was not taking my phone number off the do not call list because I will sue if the call my phone to much. I also stated they could contact me through email or mail. She stated she could not make arrangements with me if I did not release my phone number. I am writing to you because I believe it is my right to have a payment arrangement without enduring the harassing phone calls. they are blocking me from paying my bill. Please assist me if you are able. 

Thank You XXXX XXXX
Consumer complaint received 2016-08-27
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 have a complaint with a company that is no longer in business, XXXX XXXX XXXX and with the servicer of my loan, Navient. 
I graduated from college in XX/XX/XXXX with XXXX fed loans totaling {$91000.00} at 8 % interest. 
First 2 years I had deferred my loan since I was starting out in practice and not making a lot. I started paying the loan for 2 years. In XX/XX/XXXX I was advised to consolidate and start in an XXXX ( income based repayment plan ). The XXXX is a plan you pay for 25 years and after the 25 years the remaining is forgiven. This was with XXXX. 
I started with this plan and was paying into this program. 
In XX/XX/XXXX a third party company contacted me XXXX XXXX XXXX ( XXXX ) and told me since I was a XXXX working in the public and providing public service I would be qualified to sign up with the PSLF program ( Public Service Loan Forgiveness Program ). 
This is an IBR program where you pay for 10 years and then what is left is forgiven. 
They connected me with Navient and both companies agreed and assured me that I was in this program and I was well qualified. I also contacted the Fed loans servicing department and asked if I would be qualified for this program and over the phone they told me yes so I signed up with this program with XXXX and Navient and paid XXXX {$1000.00}. 
Last year I contacted Navient to confirm I was in the program and how many years I have left and they told me I was not in the PSLF program ( I did n't qualify because I am not a non-profit ) and that I had started over with the 25 year IBR program in XX/XX/XXXX when I switched to Navient. They had never told me I needed to be a non-profit or a not-for profit, just that I had to be in the medical field working with the public in a depressed area. 
Even the Fed Servicing Dept had asked me several questions and assured me that I was qualified and never asked if I was a non-profit. They just asked my specialty and if I work with the public and provide public educating. 

Now I should have 13 years of 25 credit paying into the IBR program but I only have 2 years credit. I have lost 11 years of credit. 
I feel that I was tricked, misled and lied to about this program. 
When I tried to find XXXX they are out of business because of fraud and scams. 
I began with {$91000.00} in loans, I have paid close to {$90000.00} over the years and I still owe {$190000.00} right now with the 8 % interest. I feel trapped and with no end. 
I feel that Navient should be part responsible for agreeing with this XXXX and they should give me back the 13 years of credit I should have with the IBR program.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TN)

Navient ( when they were XXXX XXXX ) tried to send me to collections while I was attending school full time, and when I graduated, they immediately sent me to collections without mailing me any info about repayment.
Consumer complaint received 2017-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

Consistent misallocation of payments, resulting in frequent past due notices and late fees. All attempts at resolving the issue with Navient have failed. I have a year of statements proving our payments were made on time, and that Navient cashed every check.
Consumer complaint received 2016-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

Navient is unlawfully pursuing my client, XXXX XXXX XXXX XXXX, after being notified as far back as XX/XX/XXXX, that his alleged signature on the promissory note is a forgery. By letter dated XX/XX/XXXX, Navient sent XXXX XXXX a letter stating the account is now under review for litigation. Total amount owed is {$8500.00}. Forgery is believed to have been committed by XXXX XXXX 's ex-wife, XXXX, who took out student loans.
Consumer complaint received 2017-04-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (NJ)

I originally had XXXX XXXX as my student loan provider, but they were bought out by Navient. I never had issues with XXXX XXXX, but Navient has been one headache after another ... 
Ever since I used my savings account to pay a couple of my loans off, my account has been incredibly inconsistent. Even though I owed less, my monthly payment went up and I was bumped out of my income based repayment plan. I called numerous times to try to fix the situation since I was on automatic debit and I was not informed that my payments went up until they took more out of my account automatically. After speaking with someone, every month the issue was " resolved '', but it was never fixed. Someone finally had told me they would pause my payment for one month so I could get my finances back on track and that the next month my payments would automatically be coming out of my account again. This did n't happen, and I was actually taken OUT of automatic debit, so my interest rates lost the discount. I was so fed up with everything, I just used that motivation to pay the most I could each month to get my loans down. After doing this for about a year, I started realizing that the amount of interest they were taking out of my payments also was n't adding up. For example, I could pay {$200.00} and out of that payment, {$40.00} would go to interest, but if I made another payment 3 days later, they still put a large portion of it to go to interest. About a month ago, I realized that the interest rates they were using on my accounts were also incorrect. My interest rates are fixed, but they were charging me a variable interest rate. After dreading calling them, I finally did, and they had an " investigator '' look into my account. Turns out they " fixed '' my account, but all they did was finagle the numbers to make it look like a fixed amount was coming out of my payment for interest every month, but that was n't the case! I have no access now to the real numbers beforehand, and I still owe the same amount! It is absolutely ridiculous! For some payments when I payed {$20.00} in interest for example, the numbers when they " fixed '' my account make it look like only {$9.00} was taken out of my payment in interest. I just know something is seriously wrong and has been for awhile with my account and it 's very frustrating! The more people I talk to at Navient, the more inconsistent information and answers I get. I just want to feel like I am being treated fairly with my loans and that my hardworking money and my payments are being allocated correctly. I would like to get a copy of my payments before they " fixed '' the interest to compare the numbers from before to the numbers now.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (FL)

XX/XX/1998 I attended XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL. A few years later the school closed and I have n't been able to find out if that school was actually closed due to fraudulent activities or not. I have student loans in which I am required to pay ; however, if the school is closed am I still responsible for these loans. Sallie Mae was my original lender. Any help would be useful. Thank you.
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (SC)

Before going on vacation, I set my CitiBank credit card online account to pay my amount owed automatically on XXXX XXXX 2015. My bill of XXXX dollars was due the next day on XXXX XXXX 2015. When I returned from vacation on XXXX XXXX, I was shocked to see XXXX emails that had been sent to me on XXXX XXXX 2015 telling me my credit limits on XXXX cards that I hold with Citi had been significantly reduced XXXX XXXX card from XXXX to XXXX and the other from XXXX to XXXX dollars ) and the XXXX had been cancelled all together. I was also charged a XXXX dollar late fee and my APR was increased from XXXX to XXXX on my remaining cards. I called the company to complain about the situation and was basically told there was nothing they could do to help me. The representative did say he would ask them to remove the XXXX dollar late charge and any remark placed on my credit report, but they may or may not help me with that. I 'm sorry that their system was acting crazy when I tried to submit my payment and it might have not went through, but this being the XXXX time I have missed a payment deadline with them I would have expected them to call me ( seeing as they had my cell number already ) or send me an email ( since they apparently had that as well ). I am in disbelief that they could do this to a customer who has never missed a payment and payed more than the minimum amount most of the time for more than XXXX years. So basically, their website was acting up ( kept freezing up ) when I made the payment and I thought it went through and because of my error I triggered a credit downgrade, a huge credit APR increase, a XXXX dollar charge and a possible derogatory remark on my credit statement. By the way, I paid the entire XXXX dollars I was told I had to pay as the new minimum payment on XXXX/XXXX/15 ( the day I returned from vacation and saw the emails ). This from a company that had to be rescued by taxpayers just a few years ago for mismanaging their assets. I do n't think this is fair and it is abusive to consumers. I would appreciate any help that you could provide me. Thank You.
Consumer complaint received 2016-02-22
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

I had a direct payment on line issued on XXXX/XXXX/16 to Goodyear Credit Card/Citibank. My bank showed that payment was made and received on XXXX/XXXX/16, which was due on XXXX/XXXX/16. I received my Goodyear bill on XXXX/XXXX/16, showing payment was never made. I reviewed my on-line account and it showed payment was made and cleared. I contacted my bank and they are looking into it, as the account number is correct. I contacted Goodyear/Citibank and advised them of same, asking them to not charge me the late feel. I offered to show them my bank statement advising of same, but they refused to credit the late fee, stating my payment was late, apparently not even reading my email. I went on line to Goodyear directly, after talking with my bank and made a payment to avoid another late payment. Please assist me in getting my late fee reimbursed, as the payment was made timely, it was an issue with my bank sending the payment. 
I tried to attach my history of payment, but the website would n't let me attach anything
Consumer complaint received 2016-12-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Lending Club Corp (NJ)

In XXXX of 2016 me and I wife opened a roth IRA with lending club XXXX dollars each. Lending club has a promotion that if we keep XXXX $ min all fees associated with the IRA would be waived. The promotion is still available in the website for verification purposes. We keep the money in cash and after learning more of the investment options in Lending club decided to move our IRA to our investment firm XXXX for more conservative options. When I called up lending club to transfer the funds they informed us that we need to call up the IRA custodian account and there would be a termination fee of XXXX $ which could be raised any time and it was left to the discretion of the custodian. In other words the custodian would charge me and my wife XXXX $ to simply close the account and transfer to another IRA account. I have retirement accounts with XXXX, XXXX XXXX, XXXX and XXXX and none have termination fees to close accounts and I am shocked at not knowing. Lending club should have been fair enough to disclose termination fees upfront and the pricing of XXXX to close a account is shocking and close to price gouging. Keep in mind all the money is still in money market and not invested in any product. To simply move my money to another account and pay a fee of XXXX $ for that is simply a predatory practise.
Consumer complaint received 2015-11-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (OH)

a law firm filed a bogus credit card debt through XXXX while i was in texas and reieveid a default judgemenet. when a i returned i filed a motion that to set aside the judgement, the judge denied the motion. i called the aledged company and they in formed me that they do not issue credit card and had no records of any such transaction. i mailed the collection agency and their new law firm a debt validation and cease and dessit letter, their response was that the default judgement was thier proof. they are garnishing my wages with the courts help the court refuses to recognize federal and constitutional law, as well as ignored my request for due process.
Consumer complaint received 2015-05-30
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (GA)

On XXXX XXXX, 2015 I ordered several clothing items on XXXX under order number : XXXX. I only received some of the items ordered and when I called to inquire about the XXXX items that were missing, I was informed that instead of those items being sent to me as planned, the items were routed back to the distribution center inadvertently. I was further informed that I would receive a credit for the items that were not received and that if I still wanted the items not received, I would need to place a new order for the items that were not received. I informed the clerk that I still wanted the items not received and she told me that XXXX of the items was no longer available. She then proceeded to place a new order for the XXXX items that were never received ( minus the item that was no longer available ). The new order was placed under order number : XXXX. I was told that I would receive credit for XXXX items never received and that Macys would need to bill me again for the XXXX items on the new order. To date, my account still reflects a balance that includes the XXXX items never received XXXX the charges for the new order. As such I have paid for XXXX of the items from the old order XXXX and have also paid for the item that I was told was no longer available and never received. Each time I call Macy 's about my account, I am told that a credit back to my account for {$180.00} is being processed, but even now, nearly XXXX months later the promised credit has not posted to my account. In the interim, I am being forced to pay interest on a balance that is more than my original order until the issue is resolved. Thus far, Macys has been unable to offer a resolution and each time I call they promise a resolution in another 7-15 business days just to get me off of the phone. I feel that Macy 's business practices are unlawful and unfair to consumers and would like to have the matter further investigated.
Consumer complaint received 2016-01-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (DE)

I am questioning the way Citi calculate the revolving balance. I did not make a full payment in XX/XX/XXXX XXXX actually I made a payment a little less than the statement balance way before the due, but forgot to pay the rest part because there is no reminder from citi telling me i had a remaining balance ). So they charged an interest on me. Then in XX/XX/XXXX after the new statement came out I made full payment but Citi still charged interest on my account which i totally do n't understand. I called them. The customer service said once you have revolving balance, interest will be charged until the 2nd billing cycle even if I paid off the balance, which sounds quite ridiculous. I asked for waiving the interest charge which my other credit card company like XXXX and XXXX allows, but got refused by Citi. I do n't know how the balance was calculated and I was never told before this call. Just want users to be careful when using Citi 's card. Their rules are not clear to you until you got hurt.