davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

On XXXX/XXXX/XXXX, I had received a phone call from a Navient Representative. .... He stated that my loan was late, since my automatic payment did not go through. He stated my account was not sent to the credit bureau at the time of the call. He stated that, if I paid a one month payment, and paid {$1.00} towards reinstating my IBR, along with just XXXX automatic payment deduction for the following month, then my account will be brought current and I will be in good standing. .... This was verified based on a phone conversation I had with Navient 's supervisor XXXX XXXX # XXXX in XXXX XXXX. The supervisor also stated my account still shows I was only 58 days late on XXXX/XXXX/XXXX. He also stated he could not provide the rep 's employee # because he was let go. I had then spoken with Navient 's Manager, XXXX XXXX on XXXX/XXXX/XXXX, and he advised me to make a request that my ombudsman dispute be reopened. .... All I am asking is for the voice recording on XXXX/XXXX/XXXX, be made transparent in a written transcript to verify what I am saying is true. .... Upon confirming my statement as being true, then I am motioning Navient to remove the 60 day late credit reporting on all three of my private loan accounts on XXXX. I am requesting Navient take ownership and liability for falsely or by misinforming me of inaccurate information as stated above. As I 've stated repeatedly, I work XXXX and my brother who is my co-signer, XXXX. The public stakes their lives on the quality and integrity of our work. I am requesting the same integrity from Navient. The harmful outcome of the false statements by the Navient rep has destroyed our relationship. Please make transparent a copy of the voice recording or a written transcript of the voice conversation to the ombudsman office and myself. Please accept responsibility and remove the negative reporting. I am asking Navient to do what is right.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I have contacted Navient Several times about posting my payment and then charging me again in the same month. They say they " Fix it '', and then the charge shows up again. I also keep getting emails about my account being defered. I did not request this, and they just tell me to ignore the emails.
Consumer complaint received 2017-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: A.R.M. Solutions, Inc. (CA)

I know newspapers are struggling to stay in business these days because it seems only old people read them. But they can not force you to take their paper. We had a 13 week subscription, for {$27.00}, that had ended. The XXXX sent a renewal for 13 weeks for {$55.00}. My husband decided it was too much money so he wrote cancel on the renewal and returned it to the XXXX. The XXXX continued to deliver the paper and send us bills. The XXXX called day and night to get us to renew. We kept telling them we did not want the paper to take us off their phone list. Then a women called from the XXXX to say we had to pay for the papers. I told her we had not ordered them and were not going to pay. We then received a letter from A.R.M. Solutions, Inc. at XXXX. XXXX XXXX, XXXX, Ca XXXX a collection agency. All this time the XXXX kept calling to get us to take the paper. Finally someone offered my husband the paper at a cheap price for 13 weeks. He said ok, then they told him he would have to pay the {$55.00} for the papers we had not ordered. He told them to forget it. My husband is XXXX years old. He enjoys reading the paper, but not at any price. I do n't like to be taken advantaged of. At the advice of the Consumer Financial Bureau we sent a letter to the collection agency saying we disputed the charge. This is very stressful.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

They have e been taking mine and my husband 's federal tax check for the past 2 -3 years. I feel that we have paid my loan in full. We have struggled every year, almost lost our home because of them taking our tax money. Never was sent no amount of what was due, or a statement.
Consumer complaint received 2017-02-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MD)

My repayment for the Parent Plus loan that was taken out through XXXX is not with Navient. The payment is XXXX a month. I can not afford this. My elderly Mom recently moved in with me and I am her sole caretaker. Please let me know if there is anyway I can get this loan wiped out or cheaper a month. The first installment was due in XX/XX/XXXX but I have put payment off through Navient until XX/XX/XXXX. Then I will be calling again to defer the payment. Meanwhile my interest is compounding. The Total amount of the loan is over {$42000.00}. Please help
Consumer complaint received 2017-02-28
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)

Navient has had a glitch in their system for 3 years, which I just found today, that shows that I owe {$0.00} each month on a specific loan. Where in actuality, I owe a specific amount each month and am being charged a very high interest rate and they are just sitting there collecting the accrued interest and money that I will someday have to pay back. I called and asked about this issue and they told me that it shows that I owe a certain amount each month and that it is in fact a glitch on their part. I asked them if they are going to waive the past 3 years of interest it accrued unbeknownst to me and he told me No, that it was my fault for not catching it sooner and that it specifically tells me each month on my statement that that amount is due. So I pull up the statement and it shows the loan, but everything says {$0.00} and every time I would go and try to pay on those loans as a group, it would always tell me there was {$0.00} to pay on it. I just assumed that it was the loan I paid in full a few years ago and showing that I owed {$0.00} on it. This is not the first time that something like this has happened with them. They have repeatedly wrongly allocated payments and charged me late fees, pushed me into forbearance multiple times, denied my release of cosigner after they told me I would be approved, caused confusion from their terrible user navigation on their website and automated phone system, locked me out online, and now this shady business of a " glitch '' in their system that they claim is my fault. I wish I would have never done business with them. It 's funny how easy they make giving you money and how hard they make it to repay them. They have caused so much stress to my life these past 5 years and I am currently seeking how to not have to do business with their company anymore.
Consumer complaint received 2016-02-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (PA)

I requested my checking and saving at chase bank to be closed. They closed the savings but did not close the checking. I had XXXX cents left in the checking account. 
An automated payment that had not update via XXXX of {$12.00} went to the checking account after I requested it closed. It should have been rejected, but I was charged {$34.00} " INSUFFICIENT FUNDS FEE FOR A {$12.00} ITEM '', again on an account that should have been closed. I took the hit and wired the {$46.00} total from my new account at XXXX XXXX to XXXX out the chase checking account. Between the time it took to get there and the time chase left the deposit " pending '', chase charged an " EXTENDED OVERDRAFT FEE '' of {$15.00}. I immediately wired {$15.00}. I wanted this account XXXX and close ASAP. 
As soon as they clear that transfer they charge " SERVICE FEE '' of XXXX. Total fees totaling XXXX, in less than two weeks on an account that was supposed to be closed. I need this to stop. I am on a fixed income and can not afford to be leeched by an unscrupulous company.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (TX)

I put in for the income based program, and was told that I did n't qualify, I then resubmitted months later after being late and defaulting and was granted XXXX payments. But, they also failed to tell me that my did n't cover all my loans through them after I had asked if all my loans were out of default now.. I recently noticed that it has happened again, only half of my loans were covered and I specifically asked if all would be .. With this being said I found out this time by a bill in the mail stating I had past due payments, so once again I am having to call them and get this corrected. I have late payments on my credit report because of this and my scores had dropped substantially. I wrote have written letters of goodwill to try and get these removed as a last effort to save my credit and have not received a response. Any help in this matter would be greatly appreciated.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

My student loan is through Navient. 
I calculated my minimum payment for my loan and I got {$830.00} but Navient told me I have to pay {$950.00}. I called them and told them there is a miscalculation but they would n't listen to me and tell me " its better for you, you will pay it faster ''. I told them that is for me to choose. If I want to pay {$100.00} more ill pay extra but I want my minimum payment to be the MINIMUM amount as the name suggests. I had to call XXXX people explain to them math and now they do n't know how to calculate until they agreed that they had miscalculated and reduced my minimum payment. For the past year I was paying over {$100.00} more on my payment when I should n't have.
Consumer complaint received 2015-08-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VA)

I have student loans through XXXX XXXX which is now Navient and last year they charged off my private loans due to non payment but still are showing I owe the entire amount and reporting me late to my credit report every month. I do pay a very minimal amount a month and have been for some time. Also the interest rate doubled the original amount I owed from {$60000.00} to {$120000.00}
Consumer complaint received 2017-01-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (IL)

I was told it would be good to consolidate all my loans. I asked for reasons why I would not.I had about XXXX different student gov. loans ( mine ) and XXXX Parent plus loan ( for Daughter ) They explained but left out the part about the Parent plus loan ( which was XXXX of about XXXX loans that I had been paying XXXX dollars a month on ) screwing me out of an income driven plan for ALL of the loans. They sent me a letter and told me I had 10 business days from the date of the letter to change which loans to go into consolidation. I got it on the XXXX business night. I called immediately seeing the horrible number I can not pay on the XXXX day. She said, and there is record of it, that she told the consolidation team to take the XXXX parent plus loan out. It did not happen. I get the notice by email that I will pay XXXX every month until I die. I am XXXX yrs old. 
Congratulations! You just screwed yourself. I called and they said they could bring it down to {$440.00}. That is 25 % of what I BRING HOME. I can not eat if I pay their new payment. I would like my payment to go back to the {$40.00} it was at. And the XXXX dollars the single Parent plus loan was at. OR since it has been consolidated, be realistic and make me pay {$200.00} a month. They mislead me, I asked and asked for a reason I should not do this consolidation and had they told me this was the outcome, at anytime, I would NEVER have consolidated EVER. It was never spelled out like I could understand.
Consumer complaint received 2016-11-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I have had my Navient student loan for approx 7 yrs. I have had a payment due of average XXXX a month, this has been this amount for years. I received my monthly bill and it was XXXX for XXXX. I called to find out why and was informed that it was actually supposed to be XXXX a month and as of XXXX it would be that amount. I have NOT received any kind of notice of the increase. I spoke to a supervisor who told me the same thing. She was willing to reduce it to XXXX a month. I have always paid my account, in fact I have made extra payments when I can. How can they increase the amount due without any kind of notice? I keep all of my statements, every single one of them. There is NO notice of an increase. I was told that this was their policy. She also told me that she can now mail the policy to me. I want to know where this policy is and why the consumer is not notified prior to the change. In today 's day most of the population are on a budget, I am on a budget, to receive a bill that is more than expected is hard. But to find out that it was going to more than double is ridiculous. I can not pay that amount, I have to keep a roof over my head and my childs. Yes I work but I also live paycheck to paycheck.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Experian has inquiries on my credit report that do not belong to me. I never authorized the following inquiries. XXXX, XXXX, XXXX, XXXX XXXX XXXX. I was unaware of the inquires until viewing my credit reports. I have attached a letter from XXXX Bank for XXXX. When I had them to send the letter to XXXX, I was unaware that it was a XXXX inquiry on my Experian report. The other organizations informed me to dispute directly dispute with Experian. I am asking Experian remove the fraudulent reports. Also, I noticed that one of the addresses that you have listed as XXXX # XXXX XXXX XXXX FL XXXX. This address is not correct, please delete.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OH)

I am submitting a complaint regarding my student loans with Navient. My student loans were switched from XXXX XXXX to Navient several years ago. My student loans stem all the way back to 2005 when I began my educational training for XXXX XXXX through XXXX XXXX XXXX in XXXX XXXX OH. My education was put on hold do to financial difficulties and within no time, I was being billed for the classes I had completed. XXXX XXXX made it very difficult to work out a convenient payment plan. I fell behind and my credit began to drop. Without notification, my loans were switched to Navient. Again, Navient made no attempt to work with me on setting up a reasonable payment plan. Instead, I was under the impression forbearance would be the best option. During this time, I began trying to register for classes at XXXX XXXX to complete the program and receive my degree. XXXX XXXX XXXX has since closed all it locations and I am now stuck with student loans for a degree I do n't have. 
I do not know who to talk to regarding this issue. 
I been unsure of who to contact regarding my complaint. I am paying a high amount for a degree I have not received. I am struggling to pay for student loans that have built interest while in forbearance and now the XXXX is no longer in service.
Consumer complaint received 2015-10-02
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (AZ)

This company, Net Spend sent me a debit card that I did not request. The card can only be activated by entering my social security number, not the card number. I tried to contact Net Spend and without activating the card I could not speak to customer service. I have filed a complaint with the FTC and Local Police. My name and address is listed with Opt-out Prescreen list and flagged with the credit bureaus. I had to email them to cancel card XXXX exp XXXX.
Consumer complaint received 2017-02-01
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Neon Newco Corporation (WA)

I CALLED NETSPEND COPRORATION AFTER BUYING A NETSPEND PAY PAL CARD, IN WHCIH THEY TOLD ME THAT THEY COULDNT ACTIVATE A XXXX WOMENS CARD I BOUGHT THE CARD IN XXXX PAID XXXX DOLLARS AND PREPAID FEE TO PUT THE MONEY ON THE CARD IN XX/XX/2017, THE SECOND TIME I CALLED THEY CALLED ME A XXXX WHEN I CALLED AND I HAVENT GOT MY MONEY BACK
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Multiple unauthorized credit inquiries. No response from credit bureau.     This letter is another formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below.       XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX    XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX .    XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX     XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX  Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter.     In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined above.
Consumer complaint received 2015-04-21
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Neon Newco Corporation (NC)

On XX/XX/XXXX I bought a prepaid debit card through NetSpend from my local grocery store ( XXXX ). I purchased the card for {$4.00}, and put {$130.00} on the card to pay my car insurance from my computer. Once I got home I attempted to activate it. I put in the necessary information ( SSN, birthdate, full name, etc, ). Once I completed this process and put the inactive card number in, I received and error message and was instructed to call the company. I did not see anything strange with this as I have had my identity stolen before. I called and attempted to complete the process over the phone and was directed immediately after entering my number to a customer service agent ( which I use this term very loosely as you will soon realize ) and was first informed about a previous charge on my card from five years ago that resulted in a negative balance of {$XXXX}. I was then told that until I cleared this debt, I could not activate my card. My only other options were to of course let them take the funds " owed '', or to get a refund on my purchase and wait 20 days for it to come in the mail. In addition to that I would be charged a fee for them to do this. In retrospect I did not react well to this news. I became quite the person to deal with and I ended up hanging up the phone because I was so frustrated. After I had calmed down just a bit, I called them to try to find out about their policies and where it stated that they were allowed to do this. I still have not gotten the answer to that. I was then told by a representative, that I would need to submit my ID, SSN, and proof of residency. I have done this countless times from this past Friday until now, but they keep saying different things like I did not receive a reference number, my copies were incomplete. Today I have scanned the documents in versus taking a photo from my phone, so hopefully this annoyance will cease. As for them taking my money, I have researched and researched. From what I have gathered, they can not legally do this, especially since they made no attempts to collect said debt from XX/XX/XXXX. Their response is that they treat me like any bank would when there is a balanced owed. My response was that a bank would attempt to collect said debt, through email, snail mail, or phone call. It is even more frustrating since I have told them they may collect said debt, and they still refuse to activate my card. I have repeatedly told them that I would no longer be bothered with their company or their services once this has been done. Why can I not have access to my own funds? Why am I punished for a debt I have no knowledge of from XXXX years ago? Please let me know if I have missed some legality.
Consumer complaint received 2016-01-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: ACCESS GROUP INC. (NH)

I cosigned a loan which was later settled. After settlement, the originator ( Access Group ) improperly put the account into collection multiple times. Collectors contacted my family members regarding the account. The collection account was put on my credit report. 
XXXX other Access Group accounts associated with the same student, which I did not cosign, were also improperly put into collection in my name and put on my credit report. 
I have been able to get the accounts removed from my credit report after informing the collection agencies, but these accounts should never have been put in collection or on my credit report in the first place.