davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

In XXXX XXXX, I applied for Income-Based Repayment plan with monthly payments of {$0.00} from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, I received an email stating that a new education loan document was available online. It was approval notice from XXXX XXXX for my IBR plan. I kept receiving monthly notices about my payments with amount due of {$0.00} and due date. 
All of a sudden, on XXXX XXXX, XXXX, I received an email no longer from XXXX XXXX, but from Navient stating that my amount due was {$2900.00} with due date XXXX/XXXX/XXXX. I called Navient asking for an explanation. Customer rep told me that most likely the information was n't correctly transmitted from XXXX XXXX to Navient when Navient took over servicing my loan. The rep asked me to submit another application with Navient online instead of via fax like I did with my original application for XXXX XXXX. I also explained that I had my original approval notice from XXXX XXXX. The rep reassured me that the new approval notice would retroactively cover the original period with {$0.00} amount due and no late payments would be reported on my credit reports. To date, my XXXX report is still showing incorrect payment history. I have contacted Navient and forwarded all my original documentation. Several representatives reviewed my documents and agreed that although they could not locate my XXXX XXXX original documents, the loan is showing as always {$0.00} amount due and therefore no late payments should be reporting. On XXXX/XXXX/XXXX, I received a notice from Navient that they had reviewed my documentation and the late payments are accurate. When I contacted Navient again on the same day, another rep told me I should have forwarded my original documentation which I did. On XXXX/XXXX/XXXX, I received a call from XXXX XXXX, who was rude I told me that Navient does n't have any documents showing that my IBR was approved in XXXX and the late payments are accurate. 
The level of incompetence of Navient and its employees and representatives is without precedence. I have yet to get 2 Navient reps who will provide me with the same information. And the individual representatives admitted that lots of information was lost or mishandled when Navient took over servicing loans for XXXX XXXX in XXXX. If the late payments were truly accurate on this account and I had never made a single payment towards the balance, there would be a passed due balance showing, but there is none. Fortunately, I have kept all my documentation from XXXX XXXX and furnished it to Navient, but Navient will go to any lengths to admit and correct its mistakes. A sorry excuse for a national student loan servicer!
Consumer complaint received 2016-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. ()

When my loan was transferred Navient, I soon lost the ability to sign into my online account. I live and work overseas so paying online is the primary way I make payments and check my balances. 
They say there is a 'fraud ' alert on my account, but do not say why. The only way I can remove this 'fraud ' hold is to make 6 consecutive ontime monthly payments. If I miss one, the 6 month clock starts again. These might not seem like a huge hurdle, but when you live overseas and can only pay by calling them during business hours, it actually is onerous. Further, if I do n't persist in having the fee waved each month, Navient charges a phone payment fee. I think this is an unfair business practice that creates a situation where their poor customer service is likely to gain them revenue in the form of late fees, phone payment fees and the like.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I have been paying my student loan off for XXXX years, on time and in excess of what was due. Recently after hearing about Navient complaints I asked for a balance of my loan. I received a statement stating as of XX/XX/XXXX my balance was {$3300.00} and could be paid in full if paid within XXXX days. I thought that after making regular payments, since I do not receive a paper statement, my loan would soon be paid in full. I checked my balance on line, called to confirm what I thought must be a mistake and found that I now owed {$5700.00} as of XX/XX/XXXX. The representative stated that since the interest was accrued XXXX, blah blah, all of which made no sense..I asked for a written accounting of my payments and balances. What was sent to me was the same information I could have gotten on line which does not include where my payments have been applied, nor does it state, as requested, the original amount of the loan taken over by Navient from XXXX with running balances of the amount due. I checked the account number of the loan ( XXXX ) and they are the same. My loans were consolidated at XXXX point but there is only XXXX account number and XXXX total balance. I ca n't understand using any accounting method how my student loans can be increasing while making payments in excess of minimum payments due.
Consumer complaint received 2016-11-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

Being laid off from work has led me behind on a few payments. Everyday I receive a call every hour on the hour starting at XXXX spanning to XXXX. I have requested that my house number not be called because it wakes everyone up. Even after requesting my house number not be called, I receive more calls.
Consumer complaint received 2016-10-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

About 11 years ago I consolidated my student loans. I think it was with XXXX XXXX. At some point they were transferred to Navient. I have been working for a qualifying non-profit for nearly 10 years and was looking forward to the Public Service Student Loan Forgiveness program. Unfortunately, I have been informed that the past 10 years worth of payments do not count because I failed to consolidate under a XXXX Student Loan. I would just like to participate in the forgiveness program. Is there any way I can get the government to honor my 120 payments? If I consolidate now and start paying my new Direct Loan, I will be paid off before 10 years is up, since I 've already been paying for 10 years. It hardly seems worth it.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I have received billings from multiple servicers. Not one has been able to provide with me a history of payments made on the loan since I took it out or provided me any information as to how the balance has increased so much. Additionally, being billed by XXXX different servicers at the same time I also had XXXX different amounts owing. 
I have asked repeatedly for loan documents and payment history to try to determine the true balance owing, but have not received anything. Additionally, I have tried to settle the matter and set up some plan to resolve this, but am getting no where.
Consumer complaint received 2017-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I sent the following instructions to Navient : " I am writing to provide you instructions on how to apply payments when I send an amount greater than the minimum amount due. Please apply payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the loan that is accruing the highest interest rate. 

2. If there are multiple loans with the same interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance. 

3. If any additional amount above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the loan with the next highest interest rate. It is possible that I may find an option to refinance my loans to a lower rate with another lender. If this lender or any third party makes payments to my account on my behalf, you should use the instructions outlined above. 

Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified or please provide an explanation as to why you are unable to follow these instructions. 

Thank you for your cooperation. '' Navient did not comply with the standing instructions provided, stating that the instructions must be submitted on a separate piece of paper with each and every payment. This is not consumer-friendly as I use a third party payment processor, XXXX, which does not provide the option to send a separate piece of paper with the check. 

Navient states that they do not have the technology or infrastructure to have the payment instructions automatically apply to every extra payment without further instructions. This is not acceptable for an organization of the size of Navient, which has the resources to make the payment process transparent and straightforward for consumers.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CT)

I would like a thorough audit conducted on my student loan account. I asked Navient to conduct an audit few years ago because I believe I was being charged a ridiculous amount of interest. I also submitted a complaint to the attorney general of the state of Connecticut which is where I reside. I have been out of school for almost 10 years and my student loan balance has almost tripled because of interest. I have no problem paying what I owe but I do n't think I should owe more in interest than the actual dollar amount that I borrowed.
Consumer complaint received 2017-01-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (GA)

I have been contacted regarding an account for a debt that is not mine by XXXX, representing Jefferson Capital for an account associated with XXXX. This account is not mine. When I informed the representatives that the debt was not valid and in the process of repeated attempts to get verification of the debt, XXXX/ Jefferson Capital committed the following violations of fair debt collection practices : 1. Representatives from Jefferson Capital, XXXX, or XXXX contacting my family members ( I am assuming you got this information from social media ) attempting to reach " XXXX regarding a business matter '' for a debt that is over XXXX XXXX XXXX. - When I returned their call with my daughter, a lawyer, on line and she requested verification of the debt and an end to the calls, we were given a fake name for the person they were looking for regarding this account ( XXXX ). 

2. Calls to my cell phone regarding this account where, after I denied the account was valid, I was told that they would serve me papers at work, at home, " or wherever '' by the district court which was an implicit threat to sue me on a debt that is not only not mine, but well past the statute of limitations for debt collection lawsuits. 

3. Representatives from XXXX repeatedly refusing to provide account information to my authorized legal representative despite my giving verbal authorization for such communication and be being on the phone line during the conversation. - XXXX also repeatedly denied being in possession of the account to my authorized legal representative despite sending me requests for payments. - Requests for verification of this debt were repeatedly denied to my authorized legal representative with XXXX insisting they did not have the account despite having sent me a bill and attempting to call me regarding this account that same day! 

4. Reporting of a debt that is over XXXX XXXX XXXX to the credit bureaus. - This needs to be removed immediately as this is not a valid debt. - This needs to be removed immediately as this debt is over XXXX XXXX XXXX. 
These issues will be reported to the consumer finance protection bureau. Any further
Consumer complaint received 2016-04-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CO)

When I first signed my student loans, all were under XXXX XXXX. I was told by my college, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, that I would need several more loans to in order to graduate. I did not qualify for another federal loan, so it was recommended that I apply for a private loan. That was in 2009. Once I graduated and began making payments, I was told by XXXX XXXX that all of my loans qualified for Public Service forgiveness if I remained in a public service job for 10 years and made 120 on time payments during that time. I also applied for income based repayments ; I make FAR LESS than what the Department of Education thinks I do. For some reason they have decided to make their income based repayment plans based on what someone makes BEFORE taxes ; not after. I honestly do n't know how the people that work there can sleep soundly at night after making this decision. but I make the payments. I have been on this plan for three years. Each year I reapply for my income based repayment plans. Under XXXX XXXX this was not a problem. My loans have now switched over to Navient my problems have gone from bad to worse. They have decided to inform me that my private loans do not qualify for public service forgiveness, nor do they qualify for income based repayment. After THREE YEARS of being told otherwise. I make {$1600.00} a month after taxes. Navient takes around {$560.00} ( both private and Federal loans ) of that. that 's XXXX % of my monthly income. I 'm XXXX years old and have to live in my parent 's basement. I make more than what I ever have, and yet I still live from paycheck to paycheck. It 's humiliating and degrading. The one hope I had, The public service forgiveness program, has now been ripped away from me. It is unfair of the Department of Education and of Navient to demand such unreasonable repayments. I have all the desire in the world to get these paid and yet no one is willing to work with me so I can regain my dignity and actually feel like an adult while making these payments. If this continues, I will continue to be stuck in the same situation I currently am in.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NY)

I called Navient to change the date of a scheduled payment I make with autopay. The person I spoke to agreed to move my payment from XXXX to XX/XX/XXXX. 
As we were concluding the phone call, he asked me to call back after XX/XX/XXXX to switch it back for XX/XX/XXXX. I said that that was a waste of my time, and asked if they could just toggle it back after this month. He said that was n't possible. I asked to speak to his supervisor, as I wished to see if all of this could be handled in one call. He got defensive and said that was n't possible, that supervisors do n't take calls. I insisted on speaking to someone hire up. 
He put me on hold for forty minutes, and then told me he could n't find a supervisor. He also told me that he could no longer change the date of my payment, and that it would proceed on the original date! 
I asked if he could make the date change if I withdrew my request to talk to a supervisor. He said that he could. I pointed out that this was really unfair, that he was clearly trying to use my perfectly reasonable request - a request he had claimed to already have fulfilled at one juncture - as a bargaining chip to prevent me from speaking to his boss. I begged him to just put the date change through and volunteered to hang up without speaking to his boss if he did. He agreed. 
At this point I had wasted over an hour of my work day. My time is valuable, I have this loan to repay after all! 
When I called back later, I discovered he had n't even put in the date change! I also noted that I was able to get a supervisor in under five minutes on the callback.
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. (VT)

I have contacted Navient many times trying to release and ex husband who refuses to help me with the student loan. I was told they would not help me and that they could do nothing to help me out and release him even though the divorce decree says I am totally liable for the loan. I am a single mom with no support and they will not help me get onto the income sensitive payment. My loans with the educational loan have a payment of {$0.00} based on income sensitive repayment but Navient refuses to help me and I can not afford the {$370.00} they want per month.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (PA)

I have had Navient since I received my loans to complete my XXXX beginning in XXXX and finishing in XXXX. I find it incredibly difficult to find statements/summaries of my loans, since I have XXXX, and the website is very confusing to follow. I also can not find out how my loans have nearly doubled over the past 2 years, and when I call Navient to speak to someone regarding this issue, although the customer service team is very friendly, they do n't have any answers. They direct me to the website to look at my account details/summary but in this window I am still not able to find the information needed. I also was offered the Income-Based Repayment plan last year, which seemed like a positive option since my standard payments are nearly all of my take home pay per month, but by choosing this option my loans have actually gone up over the past year. I make payments of nearly XXXX/month, and to see that I have not paid off a penny, instead have incurred more cost, is very disheartening. I am not sure how I am supposed to tackle my student loan balance, but want to be sure that Navient has applied all payments correctly, and that it is truly possible for my loans to increase so drastically. It is incredibly disheartening and confusing to deal with Navient, but it feels as though I am trapped in this situation with not many options to get out. Thank you for your time and concern!
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. (CA)

Loan rates have become so high that the loan is difficult to pay. Even by making a good wage, the interest rate has stacked the payments so high, it becomes difficult to find alternatives other then deferments in order to pay for rent or food. The lucrative appeal of deferment is the only option I can work with but in only tacks on more to my loan. Even through working with repayment plans, the monthly payment was no different to my current payment plan and it did n't impact any part of my interest rate significantly.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ERC (FL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2016-08-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I took out a private loan in order to attend XXXX XXXX XXXX. I did not know there was a difference between private and federal loans. I graduated ; however, I have not been able to work in the culinary field as the pay was lower than I expected to receive Also, now my payment is {$700.00}. When I was on an income based repayment plan, the payment was only {$320.00}. This is hindering me from a lot of things right now. 

Also, our class went 1.5 weeks of no instruction for a 3 week course. I tried to get the class to come together and complain about it but they were not willing to. So I submitted a letter to XXXX XXXX for them to dispute it on my behalf. When I wrote my initial letter, I stated to them that I would like a refund of that portion of the tuition and that did not have time for tutoring as I worked after school. They denied the request for the reimbursement and offered me tutoring. I reminded him I stated in the letter that I had to work and did not need tutoring. They ended up giving me a store credit for the amount they owed me in tuition. Now I am stuck with a {$63000.00} private loan student loan debt at {$700.00} a month. I am unable to live in better living conditions with my family. It is the biggest bill in my house.
Consumer complaint received 2017-03-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

This is the second time this has happened. I successfully reapplied for my Income Based Repayment through XXXX, and thought that I was all set to stay on my Income Based Repayment plan. For a reason unbeknownst to me, I have been removed from that plan and told to reapply, and so my accrued interest has been immediately capitalized, and I have been moved to a flat payment where the payment amount is so high and causes a financial hardship. The first time this happened, in XXXX, the customer service representative put me into forbearance and told me that they never received my income documentation that I had sent. It then took Navient 3 months to get me back on the plan ( original complaint filed XXXX XXXX, finally placed on plan in XXXX XXXX ). This time, I have not been able to speak to customer service, and do not want to go into forbearance, so I will have to make this payment while trying to get back on the plan. But I will have had the interest capitalized, which ads to the hardship.