davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Waterfall Revenue Group (NJ)

I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA.
Consumer complaint received 2016-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

Navient has changed the terms of my loan without my knowledge or consent 3 times over the last 5 months. When they do this, I am removed from my income-sensitive repayment plan and placed on a normal repayment schedule, which results in payment amounts that I can not even come close to affording to make. So, without my knowledge or consent, they have forcibly invalidated the 12 month income-sensitive repayment plan that I did agree to, resulting in late fees, damage to my credit, and a neverending financial crisis on my hands through no fault of my own. I make my income-sensitive repayments on time and consistently, but that does not seem to stop them from illegally invalidating the agreement which we both entered into ... .THREE TIMES. 
I am at a loss for what to do about this. I can not spend the next 30 years calling Navient every 3 weeks each time they illegally invalidate my income-sensitive repayment agreement. 
PLEASE STOP THESE PREDATORY MONSTERS! THEY ARE BREAKING THE LAW!!!!
Consumer complaint received 2017-02-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

In XX/XX/XXXX, after using my allotted forbearance, I was forced to begin repayment on my Navient ( formally XXXX ) private student loans. At the time, I was unable to find full-time work and I could not afford the minimum monthly payment. I called Navient numerous times in an attempt to find a solution that would n't result in default. None of the programs they offered at the time lowered my payment enough for me to afford. 

As the date was approaching where I would start missing my payments, I reached out again to Navient in desperation. The person I spoke to this time explained to me something I had not heard before. I was told if I do go ahead and default, other programs would become available to me through Navient. I questioned why I would have to default first to be eligible for other programs, but I was told this is the way it is. I also asked what the programs were so I could judge if it was worth defaulting for, but I was told that information could not be provided to me beforehand. 

With no other option available to me, I went ahead and missed multiple payments as instructed by Navient. I was then able to work with the Collections Department ( I believe that was the name of the department ) and they offered me a program called the " Interest Rate Reduction Program '' ( now simplified to " Rate Reduction Program '' ). With this program, my payments were reduced to an affordable amount by having all of my interest rates reduced to 1 %. Each year I have to reapply and my interest rate goes up, but I have been able to afford the payment and have not missed a payment since then. 

The problem is I was forced to miss multiple payments before being offered this program which is being reported on my credit reports. After I was on the program and making the payments, Navient continued to report my payment being late for another few months. It was described to me at the time as the payments having to catch up from the payments I missed. The date range that this is being reported is XX/XX/XXXX through XX/XX/XXXX. Since that time, my credit reports/scores have been negatively impacted by this information. 

I later found out from other people that I know who are also on this program with Navient ( including my sister ), that they were not required to default first. This program was available and offered to them without any negative impact to the credit reports/scores. I have attempted to dispute this information through the XXXX credit bureaus and with Navient with no luck.
Consumer complaint received 2018-12-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I am eligible for student loan discharge of 15 % under the National Defense Student Loan discharge program, which discharges portions of loans by certain percentages, on request, based upon time in a combat zone. I have served a year on a deployment and requested this benefit. I requested the benefit through my servicer, Navient, in XX/XX/2017. They denied the request saying it was for XXXX loans only. that is incorrect, it is for XXXX XXXX as well. See the actual code of the law XXXX XXXX XXXX ( 1 ) An institution must cancel up to 100 percent of the outstanding balance on a borrower 's Federal XXXX or XXXX loan for a borrower 's full year of active duty service that includes XX/XX/2008, or begins on or after that date, as a member of the U.S. Army , Navy, Air Force , Marine Corps , or Coast Guard in an area of hostilities that qualifies for special pay under section 310 of title 37 of the United States Code .

( 2 ) The cancellation rate is 15 percent for the first and second year of qualifying service, 20 percent for the third and fourth year of qualifying service, and 30 percent for the fifth year of qualifying service.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

Since XX/XX/XXXX I 've been autopaying {$63.00} on the XXXX-XXXX of every month to XXXX/navient. In XX/XX/XXXX the auto-pay abruptly stopped. When I contacted Navient about it they told me I had NEVER auto payed before and since I was late I needed to pay XX/XX/XXXX payment AND XXXX payment. They took {$120.00} from my bank account. The {$120.00} does n't equal the XXXX I was paying but that 's anther issue. They said the payment was for XX/XX/XXXX and XX/XX/XXXX. Then come XX/XX/XXXX I get charged again {$63.00} on XX/XX/XXXX. I have all the bank statements and my account payment history on the navient site.
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. (AL)

Navient has been messing with my accounts for years. I have been paying on my accounts and the payments do n't seem to be going toward my balances. Or some are and some are not. On top of that I have a loan that my mother co-signed for and they refuse to give us any options on that loan. We have a ridiculous interest rate and it is making it nearly impossible to pay back. This is by far the worst company I have ever. Had to deal with. I honestly wish that I never went to school because of how hard it has become to pay back these loans with this horrible company.
Consumer complaint received 2017-03-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (PA)

I was finally able to reach out to my borrower and set up payments. My payments were set at {$550.00} per month ... Steep but I agreed to pay. However each, time I would apply for income based repayment or the fact that I was working at a XXXX. My paperwork got lost or someone said it was never received. The next year I thought the {$550.00} per month would continue, but I was told I would have to pay {$250.00} more per month, even though I told them there was no way I could afford {$750.00} per month payment. They said it was not going any lower and the only way to avoid was to go into forebearance ... I feel I was forced into forebearance and I told them over and over that is not what I wanted ... I wanted to start paying. But I 'm in forebearance because they will not give me lower payments.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CO)

I paid my Macy 's credit card in full on XXXX XXXX, 2016. I also closed my account, requested and received a letter confirming this. On my XXXX 2016 statement, they showed my payment in full zeroing out the account, but they then assessed a finance charge of e of {$13.00}. On the XXXX XXXX statement, they assessed another {$2.00} fee, now totaling charges of {$15.00}. On the XXXX 2016 statement, they charged a {$17.00} fee, bringing the total to {$33.00}. I called on XXXX XXXX and asked that the total charges of {$33.00} be removed and a zero balance letter be sent to me. She assured me my balance was {$0.00}, and I received a copy of the zero letter. I checked my account on XXXX XXXX, 2016, and I still have a balance of {$19.00}. I called XXXX XXXX and was told they would remove the {$19.00} to zero out my account. I received the employee 's id # and name. I forgot to mention that they had a credit collection agency call and try to collect this amount from me. I have never had a collection agency call me, and I was very upset about this. I believe this is very poor customer service. I paid off several other accounts when I paid Macy 's off, and had no problems. I cancelled this card because of the poor customer service.
Consumer complaint received 2015-10-01
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Navient Solutions, LLC. (GA)

I work for a franchise. I received an message from a franchise with the same name, but not my office, that they had received a call for me and sent me the voicemail. I promptly called back, and verified my information with the company. They proceeded to tell me that this was a debt collection call. I have informed them multiple times to not contact me at work. They have my address, my cell phone, my spouses cell phone, and my home phone number on file.
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

After graduation I had a few months until I needed to start making payments on my private loans. When the time came I went to XXXX/Navient to ask for my options, they gave me two : 1. pay the amount or 2. give us about {$2000.00} and we will freeze your account for 3 months and then you can start making payments. Neither of these were feasible to me because I did not have a job! So I did the only thing I could do and not make a payment and ignore their calls, stupid I know but there was nothing I could do. After a while of phone calls, and emails I finally called they said I needed to make a payment before more damage was done we discussed my finances and I tried again to get a better outcome for myself. Throughout my whole experience XXXX/Navient has misguided, manipulated and straight out lied to me when I when to them for guidance and help from the beginning. I was trying to be responsible and asking if there were options for me and giving me two unrealistic options for a recent graduate at the time. Currently I am still making a payment each month but basically all I am paying is the interest each month and my interest rate seem to just be increasing. I have other federal loans with XXXX and they worked with me and put me on an income based repayment plan. I have no problem paying back my student loans when I can actually afford it. The problem is at this time I can not keep making these payments each month that are not doing anything in bringing down my amount owed. In the end I am simply disgusted with the way I was treated by XXXX/Navient and learning that so many others are going through the same thing as me.
Consumer complaint received 2016-12-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc. (FL)

STELLAR RECOVERY INC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you STELLAR RECOVERY INC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : STELLAR RECOVERY INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
Consumer complaint received 2015-09-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Comerica (FL)

Social Security deposited funds into US Direct Express debit card account on XXXX/XXXX/2015 and the same day someone used a web access to perform a fraudulent " money transfer '' out of that account into another account. US Direct Express refuses to cooperate and tell us where our funds are, to whom they were transferred to and has locked us out of our account. We can not get any information to file a complaint with the local police, social security can not assist us and the debit card company is refusing to cooperate.
Consumer complaint received 2016-10-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (MA)

On XXXX XXXX, XXXX an application was submitted to purchase a vehicle and according to Reference No XXXX, the loan was denied but somehow, the dealership was " able '' to get the loan approved however, I had to tell the bank that I already had the vehicle when they called when in fact, I did n't pick it up until the day after they called. Also, upon receiving the paperwork, I discovered that {$3200.00} was added to the original price of the vehicle but no explanation was given as to the amount, since the selling dealership never went over the paperwork ( but they 'claim ' they did ). The selling dealership claims that it is a " fee charged by the bank for a high risk credit loan ''. I did n't find out the payment until I spoke with someone from the finance company. When I make a payment, it does n't show up in my account until the entire payment is received and there is absolutely no indication as to what the payments are being applied to as it just shows the payment received. I have made the XXXX & XXXX payments and nothing has gone toward the loan, so where is the payment actually going? There was no option for XXXX Insurance given at the time of purchase. 

Under the key factors that adversely affected my credit score : XXXX - ( 1 ) is from XXXX and ( 2 ) has been disputed with the collection agency but they have not removed it from the record, as nothing is owed. 
XXXX - the only revolving account I have is my credit card, which I am trying to pay down XXXX - the only loans that I have are my student loans, to which I graduated in XXXX XXXX and those are in income based repayment, with the current year 's payment being {$0.00} XXXX - There are n't that many accounts that are open on my account. Those listed from XXXX are being paid on a monthly basis, even though the payments are not being reported, just the balance being reduced. My credit card is paid on a monthly basis.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (NV)

I use chime for banking services. Woke up this morning to emails of my account closure. I had most of my money ( {$7000.00} ) in my chime credit builder card. About XXXX $ was in my checking account. All I did last night was transfer XXXX $ to my XXXX account for a XXXX XXXX subscription I have. Woke up this morning unable to access any of my accounts. Cant pay any bills or be at appointments that I was scheduled to be at. No communication with them regarding what the issue may have been.
Consumer complaint received 2016-04-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

On XXXX/XXXX/2016 I noticed on my online checking account a debit of XXXX I from an unauthorized source. I called the bank since it was pending debit and was told that they would file a claim to have it removed. My husband notified the company because it was a charge from a previous contract and had it cancelled. He provided the bank with the cancellation number. 
The customer service rep took the information and credited our account. 
When I checked my account the next day XX/XX/XXXX, the amount had been debited again causing an overdraft, and there was no record of the pre- vious debit or credit from the night before. I called the bank again, and the customer service rep transferred the call to the claims dept, and there wa no record of what had transpired, and I was told that we had to wait 15 days to see the money credited again. I asked for a manager, and was put on hold and then told I had to call back tomorrow. I asked for the address to write to the dept manager, and was told that they were in XXXX .... My concern is that there was no record of what transpired the day before, and this is a large financial institution.
Consumer complaint received 2016-01-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (IA)

In XXXX XXXX, after finding myself in financial difficulty, I retained XXXX XXXX XXXX XXXX XXXX XXXX, CA to negotiate and settle my debts ... which has gone well, except for the Chase Bank credit card account. 
In XXXX XXXX, after 2 years of trying to negotiate this Chase account, I received a XXXX IRS Form XXXX ( cancellation of debt ) with an event code : XXXX ( decision or policy to discontinue collection ). I filed this cancelled debt as income on my XXXX Income Tax returns. 
After waiting a few months for my credit reports to update and reflect the {$0.00}. balance, they did not change. I, then, filed disputes with the credit reporting agencies and I called Chase Bank and talked to a representative named, XXXX # XXXX. The representative told me that I still owed the full amount of this debt, even though Chase had filed the " Cancellation of Debt ''. 
I do not feel I owe this debt because, Chase chose not to settle this debt with my representative, but chose to file the " Cancellation of Debt '' instead. 
I am submitting pertinent info from a previous complaint on this issue against XXXX, dated XXXX/XXXX/XXXX. CFPB case # XXXX or Original dispute case # XXXX. 
I am asking for any assistance you can give to help me resolve this situation.
Consumer complaint received 2016-08-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

I am trying to process a shortsale. My client lost their XXXX year old son in their home and want to move. The buyer is pregnant and wants the house. My client as a result of Chase delay in this matter is not receiving the HAFA relocation fee they claimed last year the house was worth more but a subsequent dispute revealed that the price of the home was correct on the contract. They ask me to remove HAFA because deadline was XXXX/XXXX/15 which expired because of the banks handling on this matter. Now we have been waiting for months on what is the THIRD CONTRACT ON THIS HOME because CHASE needs to confirm that CHASE XXXX mortgage department filed a lien release. The delay in this matter has been extensive. My clients need money to move and this entire ordeal has been a debacle.
Consumer complaint received 2015-12-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX time is stressful especially on a fixed income. I answered an advertisement to become XXXX, along with many other ad 's at that time. However, when I arrived home, I had a Priority mail parcel. it and there were instructions on how to evaluate a few stores, XXXX or XXXX XXXX, XXXX XXXX and XXXX XXXX. I have all the instructions, and correspondence. 

Anyway, there was a Cashier 's Check included with the instructions, so the next day I took it to my bank, because it needed to clear. Meanwhile XXXX XXXX, sign up supervisor had emailed me asking if I had completed my first assignment. I explained I read through the instructions and deposited the Cashier Check into my bank and was told they could n't cash it and needed to hold it until the funds cleared. I felt confident and waited. The check cleared and the funds became available, so I proceeded to carry out the assignment. 

About two days afterwards I received a notice, on my phone that my account was in a deficit and I received a letter showing the Cashier 's Check Fictitious. I alerted the bank and took documents to show what happened to the branch XXXX and called and revisited the branch on broward and XXXX. The branch manager was very nice, unlike the first manager who just dismissed me and did n't want to listen. Still I had no luck because I stayed int he bank for at least an hour on their phone waiting for the Fraud department to assist. I was disconnected and called XXXX XXXX XXXX and left a message to make some type of payment arrangement to avoid not being able to pay my rent. She was indifferent. The bank basically gave me the run around and kept referring me back to different departments. 

I closing, I feel Chase Bank, had some responsibility for holding the check and not seeing this check was fraudulent, because it is their business. I trusted that if they had to hold the Cashiers Check, that it was standard procedure. I 've never had a problem before. I was told some arrangement could be made by the managers and the fraud department, but no one has assisted me. The XXXX told me to lodge a complaint here and I also submitted a complaint to the FBI, Police and Scam guard. 

I feel as though they are somehow enabling such unfortunate events and not even acknowledging this a XXXX crime. Meanwhile, I may end up on the street.