davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MA)

For 6 months now I have been sending my financial info, along with my cosigners info, in to the office of the customer advocate. I am struggling financially right now to even put food on the table let alone catch up on late loans and pay {$450.00} a month. I keep being told different information about what is and is not an option. My payment was lowered at one point to {$200.00} for a month, I was told it would be permanent. I thought it was a miracle. Then a month later it was doubled and the person I spoke to fell off the face of the earth now Navient is calling me 6-7x a day demanding payment. Telling me to get a XXXX job. They are making my life XXXX. I 'm hoping the attorney generals office can help because no one at Navient seems to care about anything other than threats.
Consumer complaint received 2017-02-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (FL)

Navient is my loan servicer and they have been nothing but rude, unprofessional, unhelpful and harassing. I have tried on numerous occasions to settle the debts and they refuse. Then they offer me a forbearance -but never send me the paperwork - instead they report me to the credit agencies saying I did n't make my payment. I have been unemployed and called them to ask for reduced payments and they wo n't cooperate. They are calling and emailing me non-stop even though I ask them not to. All I want to do is settle the debt or get the monthly payment reduced and they play games and report me to the credit agencies as being delinquent.
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. (FL)

My private student loan has been going for approximately 16 years. I am the consigner. I am now XXXX XXXX XXXX and on social security. Very little. Naive to will not release me. My son is capable of paying and has been paying. Please help me. If I default it will ruin my credit and or they may take my social security. Thank you
Consumer complaint received 2017-02-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

Applied for a consolidation from XXXX Chase using a XXXX appraised property as collateral. 

I felt from the beginning they were doing things to undermine us getting the loan because of our age or ethnicity. 

First they underestimated our income so the debt ratio was over the limit. 

When we brought this to their attention they added the payment of XXXX plus XXXX that the say we are deficient in rental income to the debt again to put us back over the debt ratio. 

The debt we would have after the loan would only be our house note and the loan note that they calculated to be XXXX. 

As you can see we have sufficient income to pay the note based on the their debt calculation whether we collect rent or not.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OR)

Attended a XXXX school for XXXX XX/XX/XXXX. We were never given cost of tuition for the course, however the loan department frequently pushed grant and loan applications at us. In the second year of school were were working entirely at our hospital locations without any campus time, yet we were still summoned quarterly to sign loan applications or face expulsion. Facing that I dutifully signed the loan applications, and six months after graduation determined I owed {$12000.00}. It was several years before I could afford paying the loans, everytime XXXX XXXX would push for deferments on the loans, even when I asked to refinance the loans, XXXX XXXX denied me, stating I had to go through them first. Then XXXX XXXX suddenly stopped talking to me entirely, instead going after my parents, being co-signers on the loan. I had n't heard whether my parent made any arrangements with them, and it has been eight years since I last heard from XXXX XXXX. However, after my father died XX/XX/2016, I suddenly began getting notifications from a Navient group, stating I was over 6 months behind on my loans, and that they had added a whopping {$30000.00} in interest to my debt, even though I had never heard of these people, and the last I heard my parents were supposed to be managing the loan by at least making interest payments. After my mother died XX/XX/2016, a company called Student Assistance Corporation sent me a single letter saying my loans were overdue, with no balance, no payment history, no explanation as to why no one had contacted me in a decade. Navient had harassed my employer to the point our human resources officer had to get involved to stop them earlier this fall, and now Student Assistance Corporation calls my home phone a half dozen times a day and does n't leave messages, nor follows up in writing with their attempted communications, nor have they sent me any other documentation beyond the one letter.
Consumer complaint received 2015-05-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC. (CA)

Frequent or repeated callsCalled outside of XXXX-XXXXThreatened to take legal action It has called my home on at numerous occasions in the last 2 weeks leaving the following prerecoreded message. " My name is XXXX from the Municipal Services Bureau. I am calling about a serious court matter that maybe of direct concern to you, and I urge you to return this call as soon as possible. Please give this call your immediate attention! You may reach me at XXXX " No information about what it is regarding and I do not have anything outstanding anywhere.
Consumer complaint received 2017-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

I obtained a Navient ( XXXX XXXX ) Loan for my XXXX Degree from XXXX University, graduation 2010. I have been paying my monthly payment plus extra principal every month without default. I have inquired with Navient on multiple occasions as to why my loan balance does not change as expected with a 6.8 % interest rate. Once I was told after I paid the interest accrual of the loan interest my payment would be applied to principal, but that is not the case. I called another time and was told the interest was compounded daily, not monthly or yearly. I essentially pay 26 % interest on my loan. I have also been told there is no way for me to refinance my loan.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (MO)

On XX/XX/XXXX I received an alert that synchrony PayPal MasterCard had hit my credit I immediately contacted the phone number XXXX XXXX provided me with I called them and told them I did not apply for a credit card they assured me they would notify the credit bureaus and remove the inquiry I have disputed w all three bureaus and have gotten nowhere I also cant get any answers from the company
Consumer complaint received 2017-03-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MT)

I had a consolidation loan in 1997 with XXXX of {$84.00}, XXXX the loan changed to the current navient. In short I have paid a totall amount of {$150000.00}. Of the amount paid {$130000.00} has gone to interest, {$4900.00} has gone to fees and only {$11000.00} has gone to the principle of the loan. My current balance is {$94000.00} which is {$10000.00} more than the original amount. I do n't understand this loan and have always felt I 'm getting ripped off!!! I have an automatic withdrawal every month of {$970.00} and interest rate at 8.750 percent.
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (CA)

I received no written notice or reminder my payment was due on XXXX credit cards that were due today. When I remembered tge payment needed to be paid today, it was past their cut off time. Their app I use to pay my credit cards states to call them if you are making your payment past a certain time. I contacted them only to be told I would incur a late fee and that in future I might want to sign up for auto pay, I told them I wished that had been offered this service before today. No one had ever told me this. It just did not seem fair after talking to a supervisor also.
Consumer complaint received 2015-06-18
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

I opened a new mortgage with Chase bank, and I then tried to sign-up for the Chase Cash Back Advantage program which offers a 1 % rebate when setting up automatic payments from a Chase checking account : XXXX was told that I am not eligible for this program since my mortgage originated with a mortgage broker. 
The offer very clearly says " Mortgage Cash Back works with any new Chase mortgage or refinance. '' yet the bank referred me to fine print that says " This offer is only available for new, residential first mortgage purchase and refinance loans submitted directly to Chase. " Since my mortgage originated with a broker, I was told that I was ineligible. 
I believe this is deceptive advertising as the offer clearly states " ANY new Chase mortgage '' [ emphasis mine ], not " some '' or " eligible '' Chase mortgages. If a bank is able to clearly advertise XXXX thing, and then contradict itself the fine print of the terms and condition, there is no limit to the deception that would be permitted.
Consumer complaint received 2016-04-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CA)

I took out a title loan on my car. As of XXXX/XXXX/2016 it was paid off ( I had a {$0.00} balance ) but during the course of the loan the car had been repossessed for 'nonpayment ', but it was in error and they agreed to waive the reposession expense. I asked for my title once the loan had been paid off, but they claimed I still owed this repossession expense that they had agreed to waive. So I filed a complaint with that company and NOW they claim I owe over {$1000.00} past due and they have changed teh 'repossession expense ' from over {$500.00} to {$160.00}. I do n't know what they are trying to pull but I do not owe them this money. I have a letter dated XXXX where they claim I only only them {$0.00}.
Consumer complaint received 2016-04-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

we are behind on our mortgage payment and we are trying to keep the loan from going in Foreclosure. the bank says there is a Breach letter that expires on XXXX XXXX today XXXX i tried to make at least XXXX payment to keep the loan from going to fcl. they are not allowing me to make a payment even before Breach letter is expired. they are clearly in trying to take my house by not accepting any payments. we dont have {$7000.00} to bring the acoount current right now. but we can make XXXX payment.
Consumer complaint received 2016-09-01
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

We have a savings account that we have had for many years. Never really checked balance but when we did 3 or 4 years ago it was drained to XXXX. My wife contacted bank numerous times and customer service said they would get back to her. This never happened. My wife went into branch office and filled out a investigation form and representative would check and get back to her. She went to bank and representative left the back. Never heard back from bank. After our investigation we had found out that someone in the bank was using our saving account to pay their XXXX XXXX bill monthly. We checked our account and saw where withdrawals were happening. We call XXXX XXXX and they confirmed that our account was being used to pay one of there customers Chase withdrew 8 months and only gave credits for 3 months and after I put a claim in they allowed another withdraw which caused our account to be negative and they charged us {$25.00}
Consumer complaint received 2015-11-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

Simultaneously I applied for, and received, XXXX mortgage modification trial packages with the same bank. My first mortgage was {$44000.00} ( balance owed ), XXXX mortgage was a Line of Credit ( {$150000.00} ). I followed the directions for the trial period to the letter for both modifications. I paid on them for 8 months, then to my surprise the bank refused to accept any more money on the first mortgage and then I received a Intent to Acceleratate. The XXXX mortgage ( Line of Credit {$150000.00} ) converted to a permanent modification without further incident. They are now foreclosing and taking my house away after living here for 28 years. No one will tell me what I did wrong. THEY STOPPED ACCEPTING PAYMENTS THEN SUED ME FOR NON-PAYMENT AND ARE TAKING MY HOUSE. How can they do this and why are they doing this?
Consumer complaint received 2015-12-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NJ)

I incurred overdraft fees amounting to {$300.00} for XXXX online purchases totaling {$370.00}. The result was an overdraft of {$690.00}. The overdraft fee is 82 % of the total overdraft! I contacted the bank to ask whether the charges could be reversed and they said 'no ' because they had reversed XXXX charges already and I was at the limit for " courtesy reversal. '' I admit that I should not have overdrawn the account. However, considering that the average purchase amount was for XXXX charges was {$27.00}, it seems to me that the bank is gouging their customers. Instead of not permitting the charges to go through, which would ultimately benefit the customer, they allow the charges so that they can collect fees that are in some cases XXXX times the amount of the purchase price. This is unconscionable.
Consumer complaint received 2016-03-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

JP Morgan Chase keeps charging us for Inspection costs and they are not doing any inspections plus we are inquiring about these Inspection costs that are occurring frequently and whether it is legal per the loan agreement to charge Inspection costs especially when no inspections are taking place. We have tenants in the mortgaged home and these tenants will testify to the fact that no inspections are occuring at the mortagaged address.
Consumer complaint received 2016-02-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (NV)

Chase auto finance has repeatedly refused to report accurate information to the credit bureaus in regards to an auto loan that I have with them. Now they have decided to not report the loan at all and deleted the entire account from my credit report. This was done after I asked for them to report the correct balance owed to the credit reporting agencies. The loan was only being reported to XXXX of the XXXX bureaus and the balance they reported each month was the same XXXX, instead of the actual balance. Every call made to the executive office was ignored, until I finally escalated the issue to someone who made the decision to just delete it entirley instead of just reporting it as it should be. The entire duration of the loan I have encountered numerous reporting issues all that had to be escalated to be resolved, and dozens of phone calls made with promises of issues to be resolved and never addressed correctly. This loan was not included in a bankruptcy and they continue to treat it as such and are not following the laws and I have damages as a result of their actions impacting my credit history. My excellent payment history over the last 5 years has been deleted arbitrarily and this needs to be addressed as they are defrauding me as a consumer at my expense.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

I have had a XXXX XXXX with Navient for some time. Last year, I was laid off my work and called Navient for some kind of assistance. As a consumer, I was trying to get clarity on how to manage my loan the best way that will work for my situation. I was quickly advised to go on forbearance/Deferment. I was under the impression that it will only lower my payment till my employment situation is taking care of. 6 months later, I have accumulated more than {$3000.00} dollars in my account. If that was explained to me, I would have went a different direction on my decision. It seems like the loan will never go away. Interest rates are more than a mortgage loan. Please advise.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (WA)

I got a diploma not a degree from XXXX college. Been fighting them ever since 2010. I was charged XXXX dollars for a diploma and ca n't even get a job with it EVER!! No one would except the diploma or credits, they never even helped get the job interviews or internships they promised. Im on medical leave due to a health issue now with no money coming in. So I can not pay anything now. Live at home with parents just to stay alive. I dont think I should be paying that much for a diploma. XXXX college only wanted XXXX for theres over 2 years, not 2 years at XXXX. The teachers were n't even good they gave you the answers and open book tests so you could just pass through without fully understanding it. I dont even recall now anything I tried to learn so it was useless to go. 

XXXX XXXX
Consumer complaint received 2017-02-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

I attended XXXX University until XXXX 2016. I contacted my professor and cc 'd my counselor that I was having a hard time completing my coursework due to unforeseen circumstances at home and work. I called and requested to drop my classes ( which they have no record of ). So, in XXXX or XXXX I contacted my counselor about continuing my education and was advised that I had a balance of {$3200.00} to clear before I was able to continue. 

Almost, {$2800.00} for classes dropped ( i 'm being charged for the full classes ) although I called to drop a few days prior to drop date and ( {$500.00} or so ) for classes that I never authorized them to put me in for the following semester ( I never even logged in to them ) and I talk to the counselor prior to XXXX 2016 term and advised her I did not want continue until XXXX due to starting a new job. My counselor recommend that I request a Corporate adjustment, so I contacted the department and sent emails back and forth for over 2 months at which time I was advised I was already approved for partial credit due to the documentation sent from my therapist. Then I find out a collection agency has added the {$3200.00} to my credit file as of XXXX, when no decision has been made as of yet on my entire balance, I also found out the collection activity started 2 months prior. 

Once I found out about the collection being placed on my credit I emailed the person I had been in communication with for corporate adjustment and was advised my request was denied and to follow up with the collection agency directly. Then I asked why it was denied and was advised it was due to insufficient documentation and that I would need to contact Student Affairs if I needed anything else. I call Student Affairs and leave a message, then I receive an email stating they do not handle this I would need to file a grievance. After almost 90 days of providing personal documentation about my work, school, XXXX health and my dad 's illness they deny my request. 

I am currently in the process of getting a pre-approval for a home and this debt being placed on my credit is jeopardising me receiving my pre-approval and has dropped my credit score. Also, I am unable to continue my education at another institution and not able to access my transcripts to transfer schools due to the hold placed on my file for this debt. This amount is not owed by me. 

I would appreciate someone looking into this matter and reading all of the attached communication and documentation sent to the school.
Consumer complaint received 2017-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

The student loan company refused to allow income based repayments while in school. Furthermore they failed to adhere to proper income based repayment structuring. The company continually improperly advised the student such that they would collect the maximum interest thereby making it impossible to payoff. Finally they have reported the loans in delinquent status while on automatic payments are being bade and are in full compliance. With approximately 7 % interest on the loans the interest alone is {$25000.00} a year which is compounding into the principle is increasing yearly.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I am a co signer on XXXX private loans that was originally with XXXX but of course is now Navient. We are having all the problems you have descripted in this lawsuit. No way out and they have screwed us all and want answers Now
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: ACS Education Services (TX)

My son went to school in XXXX university XX/XX/2005, I have a student loan for {$40000.00} still paying for 10 years. I called several time to the company that Have my loan ACS to try to lower my payments and they keep telling me That they need my husband information to applied for the loan to lower the Interest rate, my husband is not the father I been married with him for 8 years. 
Last week I decided to call an attorney and they asked me if I have the note From the lender, I do n't have any note I called XXXX school and they do n't have any Record of my loan, I called ACS and they told me that they have the note and Request a copy I was supposed get it in the mail in 2 days i never got anything. 
I really need some advise with this I 'm XXXX years old and still owe {$40000.00} in student Loan. I will appreciate if I can get some help Thank you