davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (CO)

Allegedly, the servicing of my private student loan with XXXX has been transferred to FirstMark Services. Prior to the transfer, I had been current with XXXX and was promised an interest rate discount for making all payments timely. At the time of transfer to FirstMark ( approximately middle of XXXX 2016 ), I had asked both FirstMark and XXXX for a copy of my promissory note ( s ) for which they seek collection on to ensure that my interest rate discount had continued and so I could review the terms thereof. XXXX said I should call FirstMark. FirstMark said they did not have a copy of the note and they were waiting from XXXX. I have continually asked FirstMark over the last 3 months for a copy of the note and each time they have said they are waiting on it from XXXX. Additionally, FirstMark has said that under the agreement with XXXX that XXXX has additional time to provide the note to FirstMark. I am not a party to the FirstMark/XXXX agreement. I have waited 3 months to simply receive a copy of my promissory note which FirstMark has refused to provide or even give me voluntary updates. I have continued to pay FirstMark on their representation that they actually have the right to collect under my promissory note. However, I am growing increasingly skeptical of whether they have the legal right to collect under my note. At this juncture, in addition to this complaint to the CFPB, I am evaluating all legal remedies under the FDCPA and related state consumer protection laws.
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

I was a student at XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX. The school was unable to help me finish, no one would answer the phone. A year later they sent me a certificate stating I graduated. I never received my diploma or stated I graduated. I never finished the classes. I could not get through to anyone. I left many many messages asking someone to help me. They gave me a lap top to use while I was a student but shut my lap top down so I could not even finish my work. I now have been fighting with NAVIENT to get these loans taken off my credit report. I am in a IBR and it is not showing on my credit report that I am on an IBR. It shows I need to make payments so my credit is very low and I am trying to buy a home but I can not bc they over charged me XXXX. Which is a whole other story linked to this awful school that has ruined my life. I can not find anyone to help me get these loans off my credit report. How should I be responsible for loans that I never finished or graduated from. Why will no one help me. Nobody cares I can not get through to NAVIENT they will not help me. I must get these loans updated that I pay {$0.00} am onth or taken off my credit and forgiven for the loans bc I never graduated and school shut down. PLEASE HELP
Consumer complaint received 2016-12-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

After completing rehabilitation, I talked to representative who set up payment plan. Because of my low income my payments were {$0.00} for a specified time. After the specified time elapsed, my loans would be forgiven. My application was accepted during this phone conversation. 

About a month later, I received a letter from Navient stating the above application was rejected because I did n't supply my income tax statement. I mailed Navient the necessary information. Although I supplied the necessary information Navient is sending " statements '' for approximately $ 400 monthly payments. 


Problem : I have not been able to resolve the issue with Navient because all Navient 's contact numbers are not in service. 
Problem : I ca n't resolve issue with XXXX because they claim to have no records since turning " everything '' over in 2012. 

After receiving another statement I spoke with XXXX who said the XXXX is handling my loan not Navient. When I called XXXX, I was told XXXX has not handled loans since 2012 and to call Navient at XXXX XXXX XXXX. This number was not in service. 

The numbers Navient has listed on its statement are not in service. Navients website also lists these nonworking numbers. 

Problem : I do n't know who is servicing my loans and how my loan documentation is being processed. The accuracy of my loan information and loan status are doubtful. 

Multibillion dollar companies like the ones involved should have working numbers and trustworthy reliable document processing. Every number I 've been calling is NOT IN SERVICE. Additionally, XXXX, XXXX and NAVIENT should know who has final authority to " service '' my loans. 

As a borrower I should not have to guess as to who is servicing my loan, my loan balance and if my loan payment status has been updated. 

The original plan should be in effect and I should not have to continue sending the same information repeatedly.
Consumer complaint received 2017-02-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

Navient created obstacles to the repayment of my loans by providing bad and misleading information. They also processed some of my payments incorrectly saying I failed to pay back loans when in fact I had. Another problem was they made it impossible to lower my payments. Always giving me a hard time about it.
Consumer complaint received 2017-02-03
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

The problem began in XXXX with XXXX XXXX. I left school and I was off traveling and the around the US and the world my loans became due. After 20 months of being gone and moving around, I finally forwarded my mail to my new address in California, where I currently reside. I really had n't used my credit for much at that point other than credit cards and those limits were low {$400.00} to {$700.00} dollars. I had some money troubles and went to get a loan and they said my credit was horrible. During this time I contacted XXXX to get on a payment plan and I said I would be able to pay XXXX to XXXX dollars a month and was told the company could n't do that. So they told me about deferment and I elected to go with that. Now my loans are with Navient and I am on my last deferment and in XXXX it is up. I have contact them a few times and I get the same answer. I would love to be paying on them but I just do not make enough to handle those payments. I currently have really low rates and does n't makes sense to me to restructure my loans at a different rate. If they would work with me I could start to pay more because my credit would get better and now expand my business.
Consumer complaint received 2015-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Markoff Law LLC (IL)

Markoff Law, a collection agency is contacting me about a debt from the city of XXXX that is A ) Past the statue of limitations and B ) was included in my bankruptcy. 

This is a very old debt from XX/XX/XXXX or XX/XX/XXXX. 

This company is attempting to collect a debt that is no longer legally collectible. 

I have worked had over the year so repair my credit and I do n't need some bottom feeder collection agency trying to strong arm me into paying a debt that is no longer owed with threats to place a negative entry on my credit report.
Consumer complaint received 2016-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: ACS Education Services (FL)

I have a FFELP Consolidation loan that was originally serviced by XXXX ( I think- it could have had another servicer before that but neither Navient nor ACS will give me a complete accounting or chain of ownership of the loan ) and is now serviced by ACS Education . I have been current for many years, paying as much as I possibly can, and the principle balance has not even budged! At one point I went into forbearance when I lost my job in 2009 and then when I got a new job making much less money, I offered to pay them half of the monthly payment and they said NO, it 's all or nothing. Flash forward a year or so and I began again making the monthly payments. My loan balance BALLOONED from the time XXXX sold it to ACS. I believe there may have been a prepayment penalty that I am now funding because ACS wanted to buy the portfolio. They also arbitrarily apply my payments to principal and interest- the last time they applied any amount to principal was 4 months ago and there is no rhyme or reason why. I never received a repayment schedule from them which is in derogation of Part 682 of the CFR. They REFUSE to give me an accurate and complete accounting of the entire loan from start to finish or a copy of the Promissory Note and assignment documents despite my repeated attempts to collect the same from them. I stopped calling them a while ago because the answer is always no. I am now XXXX years old and ca n't qualify for a home mortgage because of this debt. They also wo n't remove the delinquencies from my credit report despite the fact that they are false. I pay lexington law to send them letters and they never respond. At this rate I will be paying this debt forever until I die and the principal balance will still be what it is today. This is unfair. Just like a mortgage lender they should have the obligation under the law to produce all of the records to show me why I owe DOUBLE the amount of my original loan!!!!!!
Consumer complaint received 2015-08-25
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

Dear ChaseYour letters have been received and all contradict each otherI need your assistance in sorting out the actual facts straying with letters from XX/XX/XXXX letters say no modification was in place Chase is now confirming modificationLetters state I did not reaffirm property in bankruptcy file that is untrueI had a bankruptcy attorney that was not contacted by Chase at no timeWho was the trustee XXXX bank or XXXX XXXX XXXX - XXXX XXXX XXXX whom notary XXXX XXXX worked XXXX Bank put Motion from relief of stay in. Bankruptcy XXXX trustee was hired by ChaseCan Chase have XXXX trustee working on the same loan and property? 
The number provided to validate notary XXXX XXXX documents is not a valid number XXXX XXXX letterRegarding title challenges I provided the necessary documents to WAMU in XX/XX/XXXX XXXX the original fax sheet to WAMU and document is available for lien on propertyAs of XX/XX/XXXX XXXX XXXX documents have errors and mistakes regarding foreclosure XX/XX/XXXX ( XXXX ) as well as NO Journal Entry XX/XX/XXXX Record FoundDo you have proof of publication for XX/XX/XXXX foreclosure? 
The Motion from Relief of stay documents do not show pictures of my home presented to bankruptcy judge - please explain? 
Chase I appreciate your time in putting accurate details in date order and excluding incorrect information in all previous letters
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (NJ)

This complaint is related to CFPB # XXXX and CFPB # XXXX - Details of this complaint are the same as outlined in the other above referenced complaint file numbers. This Chase card is for our business ( XXXX ) and it was opened with Chase however it is not reporting on XXXX so we are not sure what the source document that was used by Chase to make the decision to reduce our credit limits on this card. It has been open for a number of years ( over 5 ) the business has been established since XXXX. We contacted XXXX XXXX XXXX and they have a file however the file is empty because no one has been reporting XXXX to them. 
We have requesting a copy of the credit source document from Chase however as of the date in filing this complaint, we still have not received it. We also have not received a letter in writing tell us they have reduced the credit limit on this credit card - they only told us verbally in a phone conversation from XXXX, XXXX and XXXX. 
The reasons for the credit reduction ( as we were told verbally ) are all the same for the XXXX accounts we have with Chase. 
Again, we feel violated and insulted over this action and feel it is not justified. THESE PEOPLE LIED TO US AND WE WANT THEIR PROOF OF A LATE PAYMENT HISTORY ON 1 OR MORE ACCOUNTS IN WRITING. 
When I reviewed my XXXX credit report - the Chase XXXX credit card is not even showing on the report - so where are they reporting the credit rating on this account?
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (FL)

I received an offer from Chase Bank to refinance my existing loan with them for no closing cost. I submitted all the necessary paperwork as requested by Chase. I received a letter dated XXXX/XXXX/2015 stating that they closed the loan application because they did not receive the additional information they requested. The loan officer failed to communicate with me on the steps to take for any additional information needed. I spoke to the loan officer on the phone on Monday, XXXX XXXX, 2015. He stated that he could reopen the loan but there would be closing cost involved. This is not fair because the loan officer failed to communicate with me concerning my loan, now they are wanting me to pay closing cost to refinance. Chase should honor the original loan application due to the failure of the loan officer inability to communicate with me in a timely manner concerning this loan.
Consumer complaint received 2016-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (SC)

After being denied a mortgage loan, I found out that EOS CCA ( collection agency ) was reporting on my credit report that I owed them {$620.00} for an unpaid cell phone account with XXXX XXXX XXXX XXXX. This is definitely a case of mistaken identity. To prove it I mailed EOS CCA a certified letter requesting validation of the debt. They failed to validate the debt, by simply sending another bill as validation. Also, the bill had an address on it that did not belong to me. I called XXXX/XXXX/16 to see if the account was going to be remove from my credit report, but was given the run around by a Manager name XXXX.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (LA)

The history of my loan going from here to there without my knowledge with numerous interest and added fees. Navient adding on Extensive extra charges Overcharging me and adding fees without any cause or prior notification to me. I also applied over a year ago for a program to help with some of these fees and expenses and never received anything back from Navient in regards to it yet I am still charged ridiculous amounts in interest rates and fees.
Consumer complaint received 2020-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OK)

I have now submitted and been subsequently denied teacher loan forgiveness about 6 times now for reasons that continue to baffle me. They will list things are not there that clearly are, or that something isn't correct, that plainly is. I will call, they will tell me that it looks correct, and they will resubmit. Then I get another denial, for the same reason or another one. I will make any changes they wish, then get another denial for a previous reason. This latest denial I received on XX/XX/20 listed most all information in section 5 was missing. I doubled checked what I sent in, and section 5 is completely filled out. I don't even think they are looking! These loan forgiveness applications have a 99 % failure rate ... .99 %!!! They are not doing their jobs and cheating people out of programs they clearly qualify for and were counting on! Please help.
Consumer complaint received 2015-08-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

Navient constantly calls harrassing over payments and wo n't release my co-signer on the private loans while I am in school, what can I do? I want to refinance the loans with another bank for a lower interest and am told I ca n't while in school, but this is a private loan, not a federally backed loan, why can I refinance and if I can, where I can find banks that do those types of loans?
Consumer complaint received 2017-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

Navient has charged me with bogus interest charges on XXXX subsidized Stafford loans that are currently in economic hardship deferment. I have been in deferment for two years and have always reapplied diligently for renewal at each interval where I needed to submit proof of hardship. My last period of deferment ended in XXXX XXXX, but the letter Navient sent me to continue deferment mentioned the upcoming date as XXXX XXXX, XXXX. I received no information about the time period between the end of the previous deferment period and XXXX XXXX, XXXX. I did receive a letter previous to that that gave the impression I was to begin income based repayment on XXXX XXXX, XXXX ( with no mention that if I was eligible, I could continue being in deferment ). I sent in my re-application materials and proof for the XXXX XXXX date. I then noticed that my principal balance had gone up and wondered why. I called Navient and they were unable to inform me what this charge was for or when it was from. They mentioned vaguely that it was from previous periods in repayment. They would not remove the {$70.00} charge. I had no letter or conversation with Navient about the time between the end of my previous deferment period and the reapplied for deferment. I did not agree to be in repayment, I had no idea they had put me in repayment. Indeed, if they had communicated with me, I would have gladly applied sooner and seamlessly continued my deferment to avoid the two month lag because I readily had my proof of hardship available. This is standard behavior for Navient! I have had many instances where they " lost '' applications for income based repayment and deferments and I had to pay larger bills and sometimes fines to keep myself out of default. This has been a regular occurrence. I believe this is willful on their part.
Consumer complaint received 2017-03-13
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (ME)

Due to an accident resulting in a total loss of my vehicle, I have been trying to get the auto loan resolved through the gap insurance coverage purchased with the vehicle. The week of the accident, I contacted the bank to advise them of the loss and to determine how to initiate the claim with gap insurance. I was told the gap insurance immediately kicks in when the claim payout from the liability insurance company is received. This was the week of XX/XX/XXXX. As of today, XX/XX/XXXX, the loan is still not paid off and the gap claim is still pending. After the bank received the payout from the liability insurance coverage the week of XX/XX/XXXX I waited for the gap insurance claim to initiate automatically. Upon calling the Bank a couple weeks later to obtain a status, I was then informed I had to cancel my service warranty first so the refund for that can be issued and then the gap insurance claim would be initiated automatically. I immediately contacted the service warranty company to request cancellation. They were supposed to send me a cancellation form which was not received and XXXX weeks later another phone call was placed. The form was received, it was returned immediately, and receipt was confirmed on XX/XX/XXXX. As a result of the delays of the three companies, the bank is now reporting my account as past due. The account should not be past due as based upon my conversation with the bank in XXXX, this account should have been paid in full no later than 30 days after the first payment was due on XX/XX/XXXX. There is no need for me to deal with this runaround to try to initiate a gap claim and then to have to wait 8+ weeks for the claim to be processed.
Consumer complaint received 2016-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I have been attempting to clear up old and erroneous information reported by Sallie Mae to the XXXX major credit bureaus for years, with the latest push starting in 2012. Many of the items were at least 10 years old, and some were over 20. 

Sallie Mae resisted investigating my complaints, citing a " frivolous complaint '' exception under the FCRA. In fact, I had provided explicit details on each negative item, and why they should be removed. Each time I sent an inquiry letter, Sallie Mae summarily dismissed it and refused to investigate. I believe this happened at least 20 times and is still unresolved.
Consumer complaint received 2016-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (IL)

I have a complaint regarding my education with XXXX XXXX XXXX. I enrolled in XXXX XX/XX/2014 in the XXXX course which is the longest and covers everything with XXXX. I have completed all of my prior classes until XXXX told me that they will no longer be able to cover my financial aid and that if I wanted to continue my education with them I 'd have to pay out of pocket with my own money. At the end of the last course XXXX XXXX XXXX XXXX XXXX I was told by counselor/admission advisor XXXX XXXX at the end of the course that the school made some kind of mistake and that FAFSA was not covering my financial aid and that she was suppose to notify about this issue at the beginning of the course not at the end. Then I was forced to pay cash out of the pocket. During the course I got discharged from my job and I wasnt able to afford payments these high each class is almost XXXX dollars and she told me that I have to pay this amount in 6 weeks. 

And if I wanted to continue the rest of the classes I would have to pay my own cash for the class and books. As of now I completed half of the XXXX education course and still have a little bit more than half left ( which is about halfway done ). So I because the fact that they couldnt cover my financial aid with schooling I was forced to wait a couple months until the issue was resolved. During this time nothing happened and they werent able to help me out financially, a couple months later I called back to see if their was any good news, unfortunately I was told that they did not know when they get financial aid back.