davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WV)

I recently entered into a repayment plan with Navient. I was never informed by them that the payment was well below the required monthly interest assessed on my outstanding debt. This was very surprising to me, as I have been paying over {$200.00} per month on approximately {$25000.00} for over 20 years. Consequently, the repayment plan was adding to my overall principal because the unpaid monthly interest was being capitalized and thus, I was being charged interest on that unpaid interest. When I requested an amortization schedule, which I believe every borrower has a right to obtain, I was informed that the only documents available to me were linked on my account. None of those documents were a detailed accounting of how my payments have been distributed between principal and interest over the life of my loan repayment. They were merely summaries of my account which did not satisfy my request nor did it put my mind at ease that my loan repayment was, indeed, being administrated properly. Unknown to me, was the fact that Navient compounds interest daily. At an 8.25 % interest rate, I will never get this loan paid off. The company never ever provided information to me in order to gain some relief over this never-ending debt. If the government wants to bring down the debt, do n't penalize those of us that have paid our payments on time. Bring down the interest rates and do n't allow the loan providers to compound interest on a daily basis. That aside, I want an amortization schedule to review the accuracy of my payment distribution. Where can I legally obtain one? If the servicing entity can not provide it, who can? I think it should be unlawful to deny a borrower such information on money that he/ she has been repaying.
Consumer complaint received 2017-01-20
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 have had many issues with XXXX/Navient. When I was unable to pay due to financial difficulties, they refused to work with me nor help me to put me in a repayment plan that was reasonable. They have misallocated my student loans many time which has caused me to default on one of my student loans and the loan went to collections. I have since then paid off the loan which went to collections but it affected my credit score. XXXX/Navient has harassed me many times when I was unable to pay the full amount of {$1000.00}. They have told me to ask my boyfriend for money to help pay and that my rent is too high and I should move to a lesser expensive apartment. That is just 2 of the examples. The representatives at both companies have misinformed me many times and contradicted themselves with the information I was given. Because my credit score was affected, I am not able to consolidate my loans with another lender. 

I attended XXXX, California which is now closed.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

I have been trying to re-new my income-based payment plan for almost six months. My old plan expired. Six months ago, I mailed in the application with a signed letter claiming my income as instructed. When I never heard back after a few weeks, I called them and they said that I had " checked off the wrong box '' so my new plan could n't be processed. They told me to check off the right box and re-send the plan in. But, when they transferred me to another department, that department said that I had checked off the right box, but that they needed better proof of income ( which I could n't provide since I was an independent contractor at the time ). They said they could n't help me further, and I was really confused. Flash forward to three months after that, I got a new job with an offer letter that I could use as proof of income. My loans were in deferment this whole time ( as they hand out deferments like candy because it only means more money for them ). I decided to try to fill out the online income based application on the federalstudentloans.gov website. I fill out the form then get a series of conflicting emails saying that I both was and was n't approved, and that the next step should be to upload the proof of income. So i decide to upload the offer letter responding to the latest email, but it 's been like crickets since then, I have n't heard from them and this was over one month ago. I do n't know what to do because my hope that my plan will get processed is completely gone at this point. Why do they seem to have so many problems?
Consumer complaint received 2015-09-14
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (IL)

I went to XXXX XXXX about ten years ago little did I know that coming out of school that I would be making extremely high monthly payments. I could not make the payments with the current job I had so I completely stop making all payments. Years later it has affected my credit tremendously most of the loans are charged off or defaulted on which looks bad. At this point I can not get any type loan car home etc. I do not know where to look or how to get these loans off my credit report which has put me in a tight spot. I would like to finally get this resolved once and for all so I can have a secure financial future.
Consumer complaint received 2016-01-14
Product: Credit card — 
Issue: Bankruptcy — 
Company: DISCOVER BANK (VA)

I am writing to you because I have no other alternative. I can not stand for my rights to continue being violated by Discover Bank. 

The root of the situation is that Discover Bank is reporting my credit card opened on XXXX XXXX, 2011 as Status - Account included in Bankruptcy. THIS ACCOUNT WAS NEVER INCLUDED IN BANKRUPTCY. 

The Chapter XXXX bankruptcy that I filed was a business bankruptcy and the discharge did not include any of my personal accounts. 

The credit bureaus keep telling me that they ca n't change the " Status - Included in Bankruptcy '' tag, because they say that it was reported to them by Discover Bank. 

I have provided documentation to Discover for over a year, just to fall on deaf ears and not have any of my calls returned. 

Discover has treated me like a second class citizen and has completely disrespected me at every turn. Because of this experience, I feel like I have been maliciously violated and deeply wounded by Discover. 

Having this mortgage incorrectly say that it was included in bankruptcy is stopping me from getting a small business loan needed for my business to operate. This is like pouring salt into the wound. 

I am begging you to demand that Discover Bank send me a letter of apology for these violations of my Civil Rights. 

Additionally, please have them immediately remove any reference to Status - " Included in bankruptcy '' from my consumer credit files with XXXX, XXXX, XXXX and XXXX credit bureaus. 

Thank you VERY much for existing to help the " little guy '' in this world. I very much wish that there were more of you.
Consumer complaint received 2017-01-19
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (NY)

On XX/XX/2017 I received a called from I received a call from XXXX from XXXX, he called back to back three times, when I answered the he asked to speak to XXXX, I responded this she, he identified himself, Then he proceeded to as for my ss # and I said I 'm not going to verified anything with he then asked for my birthday, I repeated my self, he continue to asked for my address I refused. He became very upset with and his whole attitude change. I told him you do n't talk any kind of way. He snapped you have a great afternoon, I 've just got out of the hostipal and not supposed to be under any stress. 
My husband grab the phone he hung up this is the second they called and got smart. My husband explained to them that I have a serious XXXX XXXX and their respond was somebody have to pay the bill. If we had the money the bill would be paid nobody like to be harrass
Consumer complaint received 2015-12-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (NV)

Dear CFPB it has been a long time I been dealing with all XXXX credit bureaus for one I 've disputed items ( example XXXX I been late a few times my bill is due on the first but I use the grace period of XX/XX/XXXX to make my payment I 've skipped a few payments always notified XXXX and made my payment on XX/XX/XXXX there has been times when XX/XX/XXXX or XX/XX/XXXX comes around and I am being served with a move out notice or a rep of XXXX XXXX is at my door to see if I am or anyone is living there ) Now in 2010 I lost my job my mother had a XXXX I had to move to California but a year or two before that I lost my grandpa in XXXX and that is when XXXX XXXX got all kinds of lines under my name now between XXXX, XXXX and XXXX XXXX my life has been a living heck I 've disputed things with XXXX, Equifax and XXXX XXXX before I 've filed complaints with XXXX and not single company is willing to help My mother is undergoing XXXX XXXX for the last 3 years ( yes after the XXXX ) I am XXXX on XXXX and I do n't know what to do anymore I 've gone above and beyond to try to work with all the companies I 've mention but it is like talking to a brick wall I need my credit fixed I am trying to get at least a part time job and I am being turned down for errors of all the companies I mentioned My last plea is to hopefully get help from your organization please I am begging you to help me
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I was told by XXXX university that my degree was accredited and would be accepted anywhere, I have been turned down by multiple jobs due to not accepting degree from XXXX. I graduated in XXXX 2009, have attempted to find jobs to fit my degree with no luck. 
I am now stuck paying back the loans, with amounts I can not possibly afford monthly, and never being able to use my degree.
Consumer complaint received 2016-09-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

For over a year, I 've been getting a call every 2 months from Navient saying that my loans are past due. the first time I called with concern because my loans have always been auto payed to them. how can I be past due when they keep taking my money every month?! after being transfered to mulitple departments they finally " find the issue '' we set up a new payment schedule and I think we are all set, but they call the next month or so with the same song and dance. I 've tried to resolve this issue many times. I 've been patient with them but my patients are running thin. they are now calling my retired parents saying that I am not paying my loans and that they are going to send me to collections. I 'm getting multiple calls a day, sometimes every hour. they are harassing me. my loans are getting hit with additional fees and interest and when I call them to explain my issue they treat me like I 'm wrong and trying to avoid paying them.
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. (VA)

I requested a payoff for my XXXX federal student loans that had a balance, totaling approximately {$9700.00}, I paid that amount in full through Navients website the same day that I requested the payoff ( XXXX/XXXX/17 ). My auto deduction payment of approximately {$480.00} for Navient then was taken out on XXXX/XXXX/2017. I was told by various Navient customer service reps ( XXXX at the main line, and XXXX at the escalated number ) that it would take anywhere beteeen 4-8 weeks for me to receive a refund for my {$480.00}, I would also not receive any interest on the amount for the duration that it would take for my refund to be applied. None of the 3 customer service representatives at Navient could offer me a refund in any time that I felt was suitable for the auto deduct that should n't have occurred. 
I disagree with Navient pulling the auto deduction because they should have been able to calculate that my all of my loans were already paid in full, however, even if it was " in process '' ( or if Navients systems are n't smart enough to realize that the loans had no balance ), it should n't take close to 2 months for a refund to be given. 
I understand that I am likely in a smaller pool of borrowers who are actually able to repay their student loans, but I feel that it is completely unethical and unfair that my money will be held for a period of up to 2 months when I do n't even owe a penny on any of my student loans, and that I wo n't be given any sort of interest compensation for my money being held for this long. 
Furthermore, Navient customer service representatives suggested that I contact my bank and request for them to stop the payment of {$480.00} due to a unauthorized transaction. While I assume that going through my bank could be faster ( bc 2 months for a refund is absolutely absurd ), my bank should not need to be involved in this refund, it should be handled in a timely fashion ( which is much less than 2 months ) by the loan service provider, Navient.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (LA)

I need Navient Corporation to tell me how/why I have paid them over {$18000.00} in interest on a {$31000.00} loan and my balance has still not gone down. I was set up for automatic payments and was NEVER late for a payment ... I paid on time for years! I submitted a complaint a few weeks ago and Navient 's response was that they were " unable to speak about servicing that occurred on the loan after XXXX XXXX, 2015. '' I need to then to speak on what happened with ALL of my loan payments that happened PRIOR to XXXX XXXX, 2015. 
I am now in forbearance because I can not afford to keep shelling out money and my balance not go down. This is ridiculous and has to be illegal!!!
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

Navient has my student loan the loan was for XXXX I think not really sure now it is over XXXX now and I did n't even get to finish and the school is now closed XXXX XXXX which turned out to be a bust I need some kind of help to get rid of this debt I was making payments of XXXX a month until my tax check was being taken for student loans for the past three year but my loan keeps getting higher so I 'm guessing my payments were not being applied because I got a letter saying my tax check would not be taken as long as I was making a payment but it has for the last three years I really need my money I 'm a XXXX an hour At XXXX XXXX I went online at home you could never get help from the teachers my bill that comes in the mail says I owe XXXX and on the phone it 's over XXXX
Consumer complaint received 2015-04-17
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (GA)

I have been receiving harassing phone calls from Navient. They claim they 're calling to collect a student loan debt, but I am in school and all of my loans are in deferment. I have also asked them repeatedly to stop calling my cell phone, but they refuse to stop. I was also advised today by a representative that they will continue to call me and there was nothing I can do about it. They call me everyday at least XXXX times a day, and I can not deal with it. I have tried blocking the numbers they call from on my iPhone, but the calls continue.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NM)

I graduated with a XXXX XXXX in XXXX and began paying on my student loans shortly thereafter. As such, I was counting on having my loans paid off by the 20 year mark this year, XXXX. In XXXX, XXXX I called Navient who was my loan servicer to confirm my payoff date and was informed that I had consented to a " Refinance '' into a " Right Rate '' loan product in XXXX. As I could not recall doing such a refinance, I asked the representative to send me a copy of any and all documents relating to the transaction. Navient sent out a Promissory note with a signature that was not mine. It was my name on the promissory note, but the signature was not mine as I had never consented in writing or otherwise to a refinance. I called to dispute the details of the promissory note and the extended re-payment terms, but the representative said there was nothing he could do about it. In XXXX, XXXX I moved my loans to XXXX XXXX. I feel as though I was defrauded by Navient resulting in thousands of dollars more in payments and that the remainder of the loan should be dismissed or forgiven.
Consumer complaint received 2017-03-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MO)

Navient and XXXX split up my loans and encouraged forebereance when income driven repayment would have been a better suited option. Caused excessive fees and unrest, frustrating to get customer service to provide accurate information.
Consumer complaint received 2015-10-02
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

Claim number XXXX XXXX XXXX XXXX XXXX This complaint has been sent to you many times and last time on XXXX/XXXX/2015 XXXX XXXX but is still ignored! 

You have from me many documents which are proof that people from XXXX XXXX are cheaters and you as bank are doing bad job in XXXX cases with : 1. XXXX ( XXXX. XXXX XXXX - XXXX ( XXXX XXXX. 
You promised me that you will resolve XXXX cases within 30 days, but you lie to me. Now is 2 and you did nothing. I try to resolve it but they play with me. 
Now attached are document which I sent you few times already, but are new proofs that they lie and cheating me. 

You sent me documents with note that you do not discriminate me, but I have other filing. I sent you complain in this case that one of your baker called to your " specialist '' and he refuse to help me. 
Your work in these cases is also far from your duty. You should read my letters carefully. In next complains you will have proofs of discrimination. 
I want you to immediately withdrawal {$2000.00} from XXXX cheaters and send me the money back on my account.
Consumer complaint received 2015-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NJ)

I have been disputing the Public Record information with Equifax for about a month now. I received the disputed results back from Equifax on XXXX/XXXX/2015 stating that the disputed Public Record information was verified by the furnisher. I wrote directly to the US Bankruptcy court clerk personnel and the letters that I received back stated that the U.S. Bankruptcy court clerk never furnishes information to Credit Reporting Agencies. The letter also stated that those agencies go through XXXX party XXXX XXXX companies to gather information on the public. They do n't disclose this at all. Equifax refuses to tell me who thy verified this information with because they absolutely did not receive the information from the direct source which is the US Bankruptcy Court. By refusing to tell me where they received this information from and whom they verified it with and the contact information that I am suppose to receive in order to dispute that source is a direct violation of my rights as a consumer. Also, Equifax refuses to delete XXXX XXXX, XXXX XXXX XXXX as they both are apart of ID Theft and I have submitted to Equifax numerous of times and I have also sent an amended Police Report to them and apparently they continue to re-insert XXXX and XXXX XXXX XXXX back onto my credit report despite the proof to remove and block them so that the information can not be re-inserted. Again I have attaced all correspondence that I have received from Equifax , the police report, FTC Affidavit please remove all the information
Consumer complaint received 2015-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending (CA)

My name is XXXX XXXX, I attended XXXX in XXXX, ca. 
I believe I have genesis loans from XXXX colleges and would like to know if they were included in the CFPB settlement.
Consumer complaint received 2016-07-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: E*TRADE BANK (NY)

My ex husband and i took out a open end loan with Etade ( XXXX ) XX/XX/XXXX. the loan was for {$60000.00}. We divorced XX/XX/XXXX and had to put the house we took the loan out on has to be sold and is selling. We are waiting out the closing. I have called Etrade on this loan to find out information on the balance of this loan and they tell me they can not speak with me on this loan. I am on the loan and did sign all the paperwork. My ex husband XXXX XXXX XXXX submitted to the court this other document and is claiming this is the loan and it had been bought out by XXXX. I called and spoke with the supervisor and they too would not speak with me about the loan. I got the impression from him that is a entirely different loan. I need to know if the etrade loan was paid off is still open and what is this other lender. I the sale of the home I will have to pay half of this balance of this loan. After just shy of eleven ( 11 ) years the loan should not be {$60000.00}.
Consumer complaint received 2016-02-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Genesis Lending (NJ)

In XXXX of 2012 I inquired about obtaining a degree in XXXX. I was soon bombarded by phone calls from the XXXX XXXX and finally was scheduled for an in person meeting with a counselor in the XXXX XXXX, NJ location. I was XXXX years old and unsure of what I wanted to do with my life. My counselor convinced me that the medical assistant program was for me because I would be certified in 9 months and XXXX would help me secure a job after my graduation. Even when I hesitated and told my counselor I wanted to possibly start in XX/XX/XXXX, he insistent that I start by XX/XX/XXXX, meaning I had less than 3 weeks between my first introduction to the XXXX XXXX, to when I would start the medical assisting program. This was short time to make a decision. When I met with the financial services representatives at XXXX they quickly told me they could secure a loan with the Genesis Lending Services to cover the cost of school remaining after federal loans. Again, I was XXXX years old and did not have a parent or guardian present to help with my decision ; just the knowledge that I was now starting school in less than 3 weeks and needed the funds to pay for it. The interest of my loan or how long it would take me to finish payments was never explained to me. I feel the XXXX XXXX in XXXX XXXX, NJ pressured me into enrollment and further more encouraged me to make an irresponsible decision in obtaining a private loan from the Genesis Lending Service.