davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (GA)

On XXXX XXXX I called Navient to get my XXXX XXXX payment drafted out of my account on XXXX XXXX because that is when I got paid. On XXXX XXXX they tried to draft my account and left me with a {$32.00} Non-sufficient Funds fee. I called them and let them know what happen and one of the reps name XXXX said that she can either refund the money or skip XX/XX/XXXX 's payment. I chose to skip XX/XX/XXXX 's payment. So, on XXXX XXXX {$50.00} came out for the XXXX XXXX payment which was fine. So, on XXXX XXXX I received a letter from Navient stating that a payment for the {$50.00} would come out XXXX XXXX. I called Navient again and explained to them that I am now receiving a letter stating that in XX/XX/XXXX a payment would be coming out XXXX XXXX instead of XXXX XXXX. They said everything is OK on their end, and that my payments will come out on XXXX XXXX. All of a sudden Sunday Morning XXXX XXXX I look into my account and see that my account was overdrawn the {$32.00} Non-sufficient Funds fee again. They tried to take another {$50.00} dollars out on XXXX XXXX. So, I called and Spoke with a representative by the mane of XXXX XXXX, I explained to him what happen and he told me that he does not see where a payment came back to them, I told him I would email you proof that Navient drafted my account for XXXX 's Payment after I was told by XXXX that they were skipping XX/XX/XXXX payment. I email him the same day : XXXXXXXXXXXX and gave him my bank statement showing proof what I Navient did. And also, when I was explaining to them what happened from the beginning, XXXX act like there was nothing in the notes from when I spoke with XXXX from the beginning. No one looked at the notes to see what was going on. He just went back in forth with me about what he did not see. So, I emailed him Monday and called him back Monday to see if he received my email. I was told by a rep that he would call me back with in an hour on Monday, XXXX the XXXX. XXXX never returned my email or call. It is now Thursday and XXXX has not interacted with via email or phone. 

THE ATTACHMENTS THAT YOU SEE ON PRODUCT INFORMATION ARE SHOWING WHEN THE TOOK ON THE XXXX XXXX PAYMENT XXXX XXXX AND THEN THEY TURNED BACK AROUND AND TRIED TO TAKE OUT ANOTHER PAYMENT ON XX/XX/XXXX-THE ( XXXX CHECK ) SHOWS THAT NAVIENT TAKES THE {$50.00} OUT EACH MONTH. THE WEIRD PART ABOUT IT THAT IF YOU LOOK AT MY NAVIENT ACCOUNT IT SHOWS THAT THEY TOOK OUT A PAYMENT ON XXXX XXXX BUT I DID'NT PAY ANYTHING XXXX XXXX, WHEN THEY TOOK A PAYMENT OUT XXXX XXXX THAT PAID XXXX XXXX. THEY BILLING SYSTEM IS FISHY TO ME, AND SOMEONE NEEDS TO DO AN INVESTIGATION NAVIENT. THEY ARE BEING SUED OR HAVE BEEN SUED AND HAVE MULTIPLE COMPLAINTS FROM THESE PEOPLE. 

I HAVE ATTACHED THE COMPLAINTS FROM OTHER CONSUMERS AND A SNAP SHOT OF WHEN I PAID THEM AND HOW IT SHOWS THAT I PAID THE XXXX XXXX. I PAID THEM XXXX XXXX FOR XXXX XXXX, BUT NO PAYMENT CAME OUT FOR XXXX XXXX.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

Since XX/XX/XXXX I have been participating in the XXXX program via my MasterCard through XXXX to repay a portion of my student loan balance. To date everything has gone smoothly but today when I logged into my account I noticed that over {$190.00} that I earned in cash back was no longer showing in my account, nor was it applied to the balance, in fact Navient says that have no record of it. I immediately contacted them and they were less than helpful, in fact the floor supervisor told me they are no longer participating in the program. I asked since we and he told me for many months, i challenged him and told him that was untrue and all you had to do was look at the cash back that was applied on XX/XX/XXXX as proof that the program was still in effect. 

I am looking for help in resolving this discrepancy and to have the money I rightfully earned in cash back immediately applied to my outstanding balance and to have any and all interest charges related to their failure to apply said funds to be immediately removed from my balance.
Consumer complaint received 2017-05-25
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (VA)

A perpetrator falsified my personal information and influenced the office of inspector general. The perpetrator claims that the ring of defrauders are researching on a complaint or complaints. The perpetrator particularly evaded  XXXX  after th e OIG and  whistleblower office knowingly or unkowingly helped a retaliating bully abuse authority and fund a plagiarism and ring of malfeasance abuse fund from  XXXX . I suspect malpractice or simply dirty.
Consumer complaint received 2017-03-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (UT)

There were several times that I could not afford to pay off my loans. I was told about the forbearance option which I found out later that they were adding the accrued interest to my principal balance which led to me paying much more than the actual loan. I am paying now interest on top of interest from taking the forbearance option.
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: HOME BANCSHARES, INC. (FL)

Some woman alleging to be XXXX called several times from a number in XXXX, TX ( XXXX ) XXXX. She alleges to work for Centennial Bank. She alleges to be calling regarding a dispute. The number from which XXXX calls is an unmanned mailbox and is directly routed to a switchboard notice. There is no extension provided. There is no last name provided. There is no operator to speak with. This is a fraud scheme carried out by Centennial Bank. They do not investigate disputes in compliance with federal law. Instead they knowingly engage in these scams with the intent of evading compliance with federal law.
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (OR)

Our family has been going through financial difficulties due to my employment loss and my  XXXX  veteran husband having many health problems and  XXXX  in a las t 4years. W e have made attempts to get loan modification from our le nder ( Chase Bank ) but  have n't got anywhere with it. So we have decided to short sale our home and try to start new chapter renting out. We got short  sale specialist  realtor/agent helping us with a short sale transaction. We have signed sale contract with people that gave us cash offer for purchase of our home. Appraisal has been done alone with all other required details by lender. And suddenly couple weeks ago we received Notice with  XXXX   XXXX ,   XXXX   foreclosure sale date. Lender has send communication to our short sale agent last Friday  XXXX   XXXX , that they have submitted file for approval/decision on a short sale offer. However they are not postponing the foreclosure sale date. We are very worried about what will happen to our family. We have  XXXX    XXXX    children living with us. My husbands health been declining and he is dealing with a possibility of another  XXXX . He has served 25 years in  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   and had     XXXX  - XXXX      XXXX   in a last 4 years due to   XXXX   he received in tours in a  XXXX   XXXX . Our Lander well aware of our family been military family and my husband been   XXXX   XXXX    XXXX  veteran. It 's beyon our understanding why they are not trying to help and do n't postpone foreclosure date, especially since we are at the last stage of short sale pending approval.
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc. (PA)

I 've been fighting foreclosure on my home for several years. The current mortgage servicer is Seterus. I retained  XXXX   XXXX   XXXX  to avoid foreclosure without bankruptcy. That 's another issue.      XXXX  was trying to get the sale dismissed while we were going for a modification. He informed me via email he 's just spoken with Seterus and their attorney and they said they 'd consider it if I made some changes to the  P & L in m y modification application. I had a month of losses. they requested that I   XXXX    out the loses and expenses.     It turns out submitting false information on a bank loan, which is what a modification is, is fraud. In PA this is soliciting fraud. Und er US la w this is bank fraud on the part of Seterus and their attorney. That my lawyer,  XXXX  went along with it makes him an accomplice. There 's a story behind that as well.     I had a sale date on my home coming up the following week. Seterus was obviously trying to run out the clock so I could n't do anything about the sale.  XXXX , again, there 's a long story behind this, was backstabbing me and wanted to charge me for a bankruptcy.      XXXX , if he 'd been acting in my interests, could have recorded the call confirming what Seterus wanted and used that as leverage against them to come to a settlement on my home. Instead, he chose to help them for his own gain. So there are problems with the servicer Seterus, their attorney 's  XXXX   XXXX  and my own attorney,  XXXX   XXXX   XXXX .     The email sent by   XXXX   representing the request of Seterus and their attorney was  X/X/14    at  XXXX   XXXX . He 'd claimed to had just gotten off the phone with them.     I have much more in the way of documentation how my own lawyer was backstabbing me but this is the biggest and most important. Representing me properly when they made this request could have completely resolve the issue of the foreclosure of my home just by it 's criminal nature and how serious a crime it was. it 's my understanding that bank fraud is a minimum o f 5 y rs in prison..     I 've attached the first email of  XXX  requesting on behalf of Seterus and their attorney to falsify the P & L in my modification application. I have more emails in support of this.     Before you contact Seterus, you should contact  XXXX   XXXX   XXXX . Seterus has a way of disappearing information. they later claimed they did n't have recordings of our conversations. Before that, and everyone I spoke to since has substantiated that Seterus records and saves every conversation.     By giving Seterus advance warning, they can make it impossible for you to gather proof that you 'll need as they move to conceal it.
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have  XXXX  liens showing on my report. I contacted the city of  XXXX   XXXX  and they stated that it was not mine and that another person 's file was mixed up.  XXXX  other credit reporting agencies have already deleted these  XXXX  entries but Experian still shows then and addresses and names I have never gone by or lived at. I file disputes and nothing has changed. I logged in and went to the online dispute page and was able to begin but then was kicked out of the site for inactivity? I was actively filling out disputes. I tried to reenter and was denied access. This happens repeatedly making resolution of my issues impossible and doing me irreparable harm credit wise. These inaccuracies were the reasons for being denied credit.   I 'm tired of being the consumer denied access to my own report.
Consumer complaint received 2017-04-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

I took out a {$10000.00} student loan from XXXX in XX/XX/XXXX. I finished school in spring XX/XX/XXXX. After I graduated, I was unable to find a job to begin making payment on the loan. After being harassed starting 3 months after I graduated, the loan was finally defaulted on after a few months. Eventually after finding a job, I still was unable to make payments, but the loan had been handed over to navient. The company was unwilling to do any type of forbearance or deferment to help reduce the payments. Currently, I 've tried again to help fix the issue but I 'm completely unable to even speak with anyone from navient. I 'm automatically transferred to a 3rd party for collection. The collection agency offers settlement options that are competent unrealistic. They offer me a settlement ranging from $ XXXX {$8000.00} or a payment plan to reduce to the interest rate. As they said he current interest rate, the monthly payment would go only to interest and never touch the principal balance. The issue with the payment reduction plan is that it requires too much month up front ranging from $ XXXX {$2000.00} and then followed by monthly payments that are unaffordable. I just want to clear up this debt or get help with repayment from NAVIENT because the 3rd party collection agency ca n't even negotiate the terms of the settlement. No one would benefit. But on the other side NAVIENT is completely unwilling to communicate with me to discuss options. And they still currently service the loan.
Consumer complaint received 2015-07-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MN)

In either XXXX or XXXX my amount due on my private student loan went up almost $ XXXX/month. I paid it, but it was causing financial hardship for myself ( between my private loan and my federal loan both owned by Navient I end up paying nearly $ XXXX/month, not to mention another loan from XXXX XXXX for $ XXXX/month ). 

I was advised by XXXX customer service representatives that they were unable to assist me, but if I let my loans go into default, there would be options available to me. Against my better judgement, I did n't pay my loan last month as advised. 

When I called today to see what options were available to me, I was told that they were able to lower my payments by $ XXXX/month ( great, awesome ) ONLY if I signed up for automatic debit. I had signed up for automatic debit in the past and had so many issues with it -- from payments being unequally applied to loans, incorrect amounts being debited to unauthorized payments taken out. At this point I asked to speak to a supervisor to see if I could explain that to them and see if they would agree to waive this stipulation. 

Beyond the supervisor being completely rude, I was told the same thing - there is nothing that can be done unless I set up automatic debits. I asked if there were any guarantees or assurances that issues that I 've had in the past would n't happen again if I signed up for automatic debits, and the supervisor got very insulting and surly. I am so disappointed in this company, I am willing and actually able to pay my loans, and have been for the past year or so BUT I can not pay this amount right now. I am feeling so despondent and hopeless after this call with your company. I just do n't know what to do with these loans anymore.
Consumer complaint received 2016-08-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NE)

Could CFFB and Navient please provide a ruling or further explanation on the Auto Debit Repay Benefit for Student Loans? 
From the XXXX website : XXXX " Direct Debit ( ACH/EFT ) Discounts : Interest rate reductions of 0.25 %. Require that all payments must be paid on time ( usually defined as within 10 to 15 days of the due date ). Even if you sign up for automatic direct debit of the monthly loan payments from your bank account, you can still lose these benefits by having insufficient funds in your account. If you are late with a single monthly payment, you lose the benefit permanently. '' Could you please clarify " can lose these benefits '' as it is written? Or " will lose '' these benefits ''? 
My reading of the rule is that the Auto Debit Benefit is lost forever if a payment is late ( incurs late fees ), but I find nowhere the language that states specifically that an instance of insufficient funds from an ACH payment automatically disqualifies the Auto Debit Repayment Benefit, unless of course those insufficient funds are a reason that a payment ends up being late and thereby incurring late fees. 
I have never, ever, not once been late with a student loan payment, but one time I did have insufficient funds from an {$120.00} Auto Debit on Private Loan -XXXX on XXXX XXXX, 2014. However, I was never late with a payment. 
Once I realized the insufficient funds, I made payments towards Private Loan -XXXX both through my bank and within the Navient website, so that within the 15 days from the due date, I had made two ( 2 ) payments, XXXX XXXX, 2014 for {$120.00} and XXXX XXXX, 2014 for {$120.00}, which is actually twice the amount that was owed. I incurred no late fees, which is the definition of a late payment. 
Navient removed the 0.25 % Auto Replay Benefit from XXXX XXXX in XXXX 2014 ; however, I have never been late with a payment.
Consumer complaint received 2016-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: The CBE Group, Inc. (NC)

I have never been contacted by this group. The only reason I knew of debt was when I applied for a mortgage in XXXX 2015, and it had impacted my interest rate. XXXX XXXX XXXX XXXX re : bill, and asked for an invoice/bill, which I did n't receive. Paid debt anyway in hopes it would n't continue to negatively impact my credit. It is still being reported by XXXX credit agency XXXX, and not XXXX. When revieing the record it is still noted as unpaid although there is a XXXX balance. I believe this should be removed due to the fact that I was never made aware by XXXX, nor CBE of the debt in any manner ; therefore I was never able to pay the bill in a timely manner.
Consumer complaint received 2017-03-30
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)

This is a followup to my complaint against Navient filed on XX/XX/XXXX in regards to late payments on my student loan accounts. The previous case number is [ Case number : XXXX ]. Upon speaking with them on both yesterday & today, their response was that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how the lender is to handle a situation when subsequent information updates a report that was allegedly accurate in the present time ( i.e., the identical situation I am currently in. ) https : XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' Navient representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX to XXXX XXXX that any subsequently initiated deferments or forbearances would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in forbearances. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my Navient accounts that were part of the XXXX XXXX to XXXX XXXX late payments show forbearance status effective as of " XXXX XXXX. '' Also, I was on an unemployed deferment up until XXXX XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with Navient, both as they actually existed and as Navient has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the XXXX accounts showing a total of XXXX 90-180 day late payments from XXXX XXXX to XXXX XXXX be updated and/or corrected and removed.