davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MI)

I was recently charged {$74.00} on my Navient loans. The transaction detail only says " Rebate Reversal ''. The other thing is though this was a total of {$74.00} it oddly appears as {$30.00} on one loan, {$30.00} on another, and I ca n't even find where the other {$14.00} went. 

I called Navient to talk to them and ask them about this. This was 15 days ago. The person I talked to could not tell me what this was, why I was getting it or where it came from. He did some digging. It said that it looked like I failed to pay one of my loans on time. However, we both went through my transaction history and not only have I always been on time I make multiple payments a month in order to keep interest to a minimum. He said it does appear to be though a violation of an agreement. Which I asked, What agreement, he did n't know. I asked what other loans on my account had an agreement, which again he did n't know. He told me he needed to submit this to somewhere else and they would get back to me within 14 days. I have yet to hear from them. 

The only thing that I can think of remotely of me missing a payment would be XXXX of 2016. This is when Navient upgraded their website and corrupted thousands of peoples student loan information. I could not log in to the website, I could not make payments. I called multiple times, which they should have on record. Every time I was told that I would not be charged any penalties for this because the problem was their fault. They still to this day do not have the new website up and running and I have to go to the old one to do things. Which again, if this outage on Navients side back in XXXX is the reason for me getting charged this rebate reversal, then I should not be charged for Navients mistakes. 

What I want : 1 ) Why was I changed this rebate reversal? 
2 ) What other loans have some sort of agreement? 
3 ) If this was because of the website outage and Navient 's corruption of customer data, then this is not my fault and the money should be refunded.
Consumer complaint received 2016-10-24
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)

On XXXX XXXX, after receiving numerous harassing calls from Navient, I visited their website, Navient.com to check on a recent payment in the amount of {$140.00}. This payment was in response to I noticed that there was no payment in the amount of {$140.00} instead there was a payment in the amount of {$270.00}. I immediately called them and spoke with their representative, XXXX. She transferred me to XXXX. Her response was as follows : " The {$140.00} was split between account ending in XXXX ; {$130.00} and account ending in XXXX ; {$4.00}. The balance of the {$270.00} was to help keep your account out of default. {$45.00} and XXXX " I informed her that this was clearly fraud. Navient was falsely documenting the files. XXXX ( Navient 's representative ) continued to inform me that account ending in XXXX was a " charge off ''. Surprised at her statement, I clearly gave her the definition of " charge off '' and questioned : ( 1 ) why I had not been notified, ( 2 ) how is Navient still having this on the books as collectable and why have my payments been largely credited to a " charged off '' account. I then requested a supervisor. I was transferred to XXXX. 
XXXX responded to my inquiry into Navient 's irregular accounting practices. He justified it by initially stating that he did not see what I was seeing. When I went further about the defined columns on the Navient 's site, he disputed what I was in fact seeing. He stated that the {$270.00} was not a line item recorded as " received ''. Please see attachment. I informed him of XXXX 's clarification of the item and again, repeated that Navient had done irregular accounting practices. XXXX insisted on blaming the problem on XXXX XXXX, their local office. Upon questioning him on the " charge off '', XXXX had another tale. 
Navient is practicing irregular accounting practices on top of continuous harassment.
Consumer complaint received 2017-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (WI)

I filed my Employment Certification form for the Public Service Student Loan Forgiveness program, checking the box that states I am unable to obtain signatures from my previous employers. I faxed my materials with a letter explaining that I work for a foundation in a role that manages grants made directly to my former employer, creating an unethical conflict of interest if I were to request my former boss to sign a document that impacts my personal finances. This could create a power dynamic or be seen as an emolument because I make funding decisions regarding their organization, and this request could be seen as a favor that could weaken the professional integrity of my role. I expected to supply pay stubs to confirm my employment with this agency, but two separate communications with the agency say I am unable to do this, which seems wrong. 

Secondly, I was a XXXX member, working full-time as a salaried XXXX but not making monthly payments toward my federal loans because I was in XXXX and on deferment due to XXXX service. The XXXX awards I earned through this program are eligible to be considered qualifying payments toward the XXXX needed to meet criteria for loan forgiveness. But since I was an employee of the school, not of XXXX, I was told over the phone that I could not claim these awards as qualifying payments, which also seems incorrect. My phone connection was disconnected, no attempt was made to reach me, despite them requesting my contact information at the beginning of the call. I submitted an electronic request for assistance as well, and it has been XXXX days with no response. 
Thirdly, it seems very unfair that no matter how much my total XXXX awards amount to ( I received XXXX full awards ), I am only eligible to qualify for a maximum of 12 months of qualifying monthly payments, even if the awards would amount to more than 12 months of payments. This, coupled with the fact that I am unable to apply for loan forgiveness until after the 120th qualifying payment, and must remain employed at a nonprofit or qualifying employer until the forgiveness is actually processed, and there is no stated timeline for how long that may take on the documentation I 've reviewed, appears designed to minimize the value of this program that has been touted to me as a benefit and has been the basis of my debt reduction strategy for years ( I am paying lower-interest private loans first because they will not be forgiven ). 
Finally, I am recently married, and therefore my Income Driven Repayment Plan payments are now at their max, the same as a 10 year repayment plan would be because we are a dual-income household. But this does n't account for the private student loans I am also paying. Altogether, these amount to 20 % of my gross pay. And the student loan interest deduction credit I claim is XXXX per household, not individual, so my wife and I effectively forego {$2500.00} of tax deductions by nature of us being married rather than single.
Consumer complaint received 2017-02-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

This complaint is about a checking account in Suntrust bank ... ... On XXXX/XXXX/2017 I deposited a personal check from my brother in law for the amount of {$1200.00}. 
{$510.00} of that money was available in my account on Tue XXXX/XXXX/2017 morning. So I registered my car in the state ( I just moved from another state ) paid {$250.00}, paid my water bill {$65.00}, made a purchase of {$31.00}, so when I went to check the balance in my checking account around XXXX because I was in the process of insuring my vehicle, my account was overdrawn for {$370.00}. The bank put a hold on the {$1200.00} deposit until XXXX/XXXX/2017 I 've called numerous of times I even went to talk to XXXX, GA XXXX. branch manager an no one can do anything. The check I deposited already cleared my brother in law 's account, he gave me the name and phone number from a representative of XXXX Bank ( bank where the check is drawn from ) so a representative can call her so she can corroborate the funds were already cleared. I 've tried to have someone from Suntrust call XXXX and my message never gets forwarded. All I get is " your deposit is being held and it will be available on XXXX/XXXX/2017 '' it looks like the bank refuses to help. Oh before I forget I do not have a dime on me.
Consumer complaint received 2016-11-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (WA)

I would like to file a second complaint About my loan with Suntrust. In XXXX I had started the process of removing my PMI Insurance they had received a check from my on XXXX XXXX to schedule an appraisal. There letter said this would be done with 30 day of receiving my check. I spoke with suntrust on XXXX and representative told be an appraisal was scheduled ordered on XXXX. When I called on XXXX there was still no appraisal ordered. this has know been way past there 30 day window. The appraisal occurred on XXXX. on XXXX I call suntrust to see what the status of the appraisal was on and they said it take XXXX5 business days to make a determination of the report. on XXXX I then called again as I not received anything in the mail and had not hear a report. Today XXXX I was just informed that they mailed a letter stating the PMI was removed as of XXXX, ( I still have not received this report ). What I would like to happen is for suntrust investigate the delays in keeping to there time lines and reimburst me for 2 month of PMI insurance as if they would have done all this in a timely manor I would have only paid for XXXX PMI insurance. If I would not called over 7 times to make sure this process was still moving forward I am confident that I would still be waiting for them to start this process. As a consumer this has been an awful experience and I have had to expend a lot of time making sure Suntrust did there job.
Consumer complaint received 2016-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (IL)

I have been paying this loan since 2008. My original balance was XXXX and 8 years later i owe XXXX with an 8.5 % interest. I can only afford XXXX a month, of that XXXX, XXXX goes to interest. American Education Services is the worst lender in the world. Refuse to talk to me and told me to get another job. How is this legal? They are getting away with ripping people off!
Consumer complaint received 2016-09-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (CA)

I am a parent looking at what my husband and son signed to borrow for college. By the time he is done with school, we probably will owe $ XXXX. For the XXXX loan, we will be owing 6.31 % and the fees are 4.276 %. If the money did n't come in on time for us to make the payment when the fees are due, we have an option to make 3 payments to the school, at the additional {$35.00} charge each time for a {$840.00} payment ( 4.13 % ). This case scenario, my husband and I will be owing 14.716 % on a $ XXXX loan. Please explain to me how 14.716 % is acceptable for a borrower with good credit who is just trying to help his kid out?
Consumer complaint received 2016-06-16
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (IL)

I know the annual process of ibr takes time so I started my renewal three months early in XXXX of 2015 with fedloan servicing.. After 5 resubmitted applications and filling the last two out with the phone operator, and calling to make sure things were good they still say I 'm declined.. I believe my actions show I want to make my payments but they do not want to work within the government guidelines on ibr and pay as you earn.
Consumer complaint received 2015-05-22
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (FL)

Doctor was aggressive in pursuit to get us to come to his office for his service, which is a diagnosis of XXXX, i.e., XXXX. Multiple persuasive phone calls. Over the phone assurance to reduce the bill after I advised that I am a single mom and not able to pay for this service. I finally caved and took my son to see XXXX XXXX / XXXX, FL. XXXX XXXX was not there for the appointment. Instead, we were surprised to be taken in by a Technician. My son was given a pill ( I believe XXXX ). We were strong armed into taking a test. This test was advertised as {$600.00} over the phone by XXXX XXXX. I was concerned and researched the doctor after the test finding multiple complaints about aggressive sales tactics ; inability to be reached or not being present at appointments ; as well as inflated billing and collection practices. I opted to cancel the follow up appointment with XXXX XXXX. Numerous sales calls by XXXX XXXX followed, advising me that my son had serious issues and problems and that I needed to address same. I did not make another appointment with this doctor. 

I was billed {$1500.00} against verbal {$600.00} price assurance over the phone. 

The bill, supposedly consists of {$600.00} test ; {$100.00} cancellation of supposed XXXX appointments ; and a {$450.00} deductible sum for what I am not certain of. 

This breakdown by the office secretary named XXXX still does not mount to {$1500.00} sent to collection. 

This doctor is unethical and as a single mother, I am not able to cover this amount. I do not want my son to be pushed on medicine. 

Having given my son a pill for testing without first advising me prior to the test and without a consultation prior to the test is absolutely incredible. 

To make things worse, XXXX XXXX office waited until my son turned XXXX years of age to turn this manufactured bill into a collection against my son 's credit.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

In  XXXX   XXXX , credit unlimited requested on my behalf that   XXXX   XXXX   XXXX   remove a closed mortgage account that was dated last activity in  XXXX  on all  XXXX  credit bureaus. The last payment that I made on this account preceded  XXXX  which makes the account past the 7 year mark. I could never get proper documentation and the account can never be found by   XXXX   XXXX   XXXX   XXXX  when I was trying to short sale the property that the lien was attached to.   XXXX   XXXX    XXXX  could never find the account.      XXXX  removed the account. Equifax updated the account as closed in  XXXX .  XXXX  added a second account with a different account number in  XXXX   XXXX  saying it is currently active and reporting late and a foreclosure has been initiated.      1. The ti tle to the property was transferred  XXXX   XXXX  that the original lien was attached to.    2.  I do not own any property for Bank  XXXX   XXXX  to foreclose on.    3. Thi s loan was sold 3 times since opening in  XXXX  ; me and my realtor requested a copy of the promissory note. The original promissory note and the account could never be found.
Consumer complaint received 2017-02-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (ID)

Student loan originally was with XXXX XXXX, they changed it to Navient. My granddaughter went to XXXX school then became XXXX, had a XXXX. XXXX died on the XXXX. She was devastated, she became XXXX right away, thinking this would help them get over the situation. They could n't afford child care and she was unable to work, had to live with parents. They tried to pay but not enough money. Navient called and hassled me and bullied me frequently, threatened to garnish my XXXX a week job and am on social security but my name was on the loan. I finally got tired of the harassment and bullying, and per their suggestion put it on my credit card. I am XXXX and did n't need the bullying. With the high interest rate the balance remains unchanged from the original balance.
Consumer complaint received 2016-10-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (MI)

I opened a second checking account with First Merit bank to keep money separate from my main account for personal reasons. I was charged an " Inactive Fee '' because I was not using this specific account enough. This fee was half the money in the account. I was in no way made aware they were going to take this fee because if I was I could have made an extremely small purchase to avoid it, but instead they just took my money. I also have no way to close this account without incurring additional fees.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I have been trying to get financiallybstable and they keep making me go to a forbearance account so I can gold payments without telling me the consequences. Also, they have missplaced payments and my information is incoreect. I have successfully paid XXXX and XXXX which was the original loans and I ca n't keep track of what I paid and did n't because they kewp bouncing me around. I believe I have paid everything and they want to keep making me pay. They need to erase that debt out of my credit. It is affecting me to progress further.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AR)

My loans were formerly serviced by Navient. I have read about the recent filing by the CPFB against them and wanted to add my complaint to the list. I have been in repayment and on IBR since XXXX. They misfigured my payment mulitple times, when I was able to calculate it easily. My husband also has qualifying XXXX loans and this seemed to be confusing to them. I requested consolidation early in XXXX and they stalled for nearly a year. They claimed I had loans with another company ( I did not, they had all my loans ), they would give me differing answers as to the delay, and they would of course push me into forbearance. I accepted, as I did not want to make payments not knowing the amount or how they would be allocated. In XXXX of XXXX, I refiled for consolidation through the Federal website and this time chose my purpose as PSLF since I had started working for a non-profit. This automatically made my new lender XXXX. During the process, I was informed by Navient that they all of a sudden were completing my consolidation and I had 10 days to cancel. I called and canceled, but they completed the consolidation anyway. They argued with me on the phone that it was 10 days, not 10 business days, which it clearly stated on the letter they sent me, and I read it to them. They replied, well it will probably go through anyway, and it did. It took another 2 months to get everything consolidated and moved to XXXX. I am so glad to be rid of Navient, although XXXX has made a mistake or two as well.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (KS)

My loan was serviced by XXXX, they told me to take a partial payment forbearance. They did n't tell me that they would be taking the difference of the balance and adding it to the principal amount. Because of this, my loan which I took out in 1993 for XXXX dollars is now XXXX and climbing..the loan is now being serviced by Navient..the monthly payment would be almost XXXX for 15 years..I have been paying the loan for 22 years..I am a veteran of the XXXX..I am paying based on my income now..I will be paying for at least another 12 years..I 'm not sure how much interest in have paid..but surely I have paid the original XXXX dollars by now ... can anyone help me
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Step Group, LLC (NJ)

A company identifying themselves as FIRST STEP GROUP contact me through a letter dated XXXX XXXX XXXX about an alleged debt that do not belong to me, and is many years past the statue of limitations.The letter stated that they are collecting on behalf of XXXX, XXXX.This account fell of my XXXX credit reports about 4yrs ago.the company letter also stated ; THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT.BECAUSE OF THE AGE OF YOUR DEBT, XXXX , XXXX WILL NOT SUE YOU FOR IT, AND XXXX , XXXX WILL NOT REPORT IT TO ANY CREDIT REPORTING AGENCY.I contacted XXXX XXXX XXXX and was told by them that they do not have an account with my name on it on file.It is my belief that this company is trying to collect a debt that is way past the SOLand a debt that do not belong to me.I have disputed this debt with them and have not received any verification as of this date XX/XX/XXXX.This is a matter that dates back to XX/XX/XXXX
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MD)

My Student Loans from XXXX and Navient are almost at XXXX and I only have an AA degree. For years, I tried to make arrangements with my leander to make affordable payments but I was always talked into being on a forberance program. Because of this the interest on my loans have been astronomical and almost fabricated in my opinion. My desired resolution is for my loans to be completely forgiven because I have been taken advantage of for years. They would ask me for XXXX monthly payements due to interst. this has affected my credit etc for years.
Consumer complaint received 2023-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (PA)

In accordance with the fair credit reporting act this creditor ( jpcmb ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Consumer complaint received 2017-02-01
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

School balance was turned over to a collection agency. The agency was never in contact with me and the debt was paid to the school directly, who provided me with a receipt. The collection agency refuses to remove the collection from my credit reports even though the debt was not paid to them.