davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (NY)

I had a series of student loans originally obtained from XXXX but which were consolidated and then serviced by XXXX XXXX. The interest rate was locked in for the life of the loan ( only XXXX loan since the consolidation took place ) and have thereafter been paying the loan off monthly and have never missed a payment. Some time last year ( I believe ) the loan was transferred to NAVIENT and I continued paying off the loan. Again, never missing or late with a payment. Since I have the loan paid to NAVIENT via my online bank XXXX I noticed that my last months payment had gone up {$30.00} per month. I contacted NAVIENT by email and informed them that since my loan consolidation was at a fixed rate of interest for a fixed time period, unless they could provide me with a logical and SPECIFIC reason for the increase, I had no intention of paying the increased charges. I received an email from NAVIENT stating " after a review of your loan, we noticed that the minimum monthly payment amount needed to be modified to allow the loan to be paid off in the agreed upon timeframe. As a result, we adjusted your monthly payment amount so that your loan will be paid off as scheduled. The interest rate on your loan has not changed. '' I so not find this to be a satisfactory response in that when the loans were consolidated the lender and I both agreed to a specific interest rate and number of payments to satisfy my obligation. 
I further understand that there has been an extremely large number of complaints filed against NAVIENT since they took over collecting student loan payments and I can now understand why this is happening. I also understand that the Government is considering, suing NAVIENT for their methods and operations if they have not already initiated such an action. My attempts to deal with NAVIENT representatives has proven fruitless. Their telephone reps are ill informed to say the least. Additionally, they call me daily regarding this matter but when I call them back, the reps are not qualified to discuss the issue. It seems that this whole effort on their part is a ruse to increase their income or profits. It seems I have no other option to file a complaint with your agency with the hope of ultimately getting these people out of the student loan collection business.
Consumer complaint received 2016-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

My father submitted a payment on my behalf to Navient in order to pay off XXXX federal student loans which were taken out under my name for college back in the XXXX timeframe. The intent was to pay off these XXXX loans in full, and we made sure that we included the loan numbers and explicit instructions on how the funds should be disbursed. 
Navient applied my payment in error across all my federal student loans, as I have since taken out XXXX additional loans separately. As a result, they did not charge me for the XXXX newer loans last month. Their website showed a XXXX balance due - no other loan details, but I figured everything was okay. However when I went to make my regular payment this month, they still showed XXXX due. At this point it became apparent that they applied the funds in error to all of my loans. This does raise an additional point of contention with their " new website '', which does not really show enough information to make informed decisions about my payments. 
I immediately called Navient customer service and explained the situation, and the service rep told me it would be resolved and there would be no past due amount. Later that week, I received notification that action had been taken. It 's currently Friday night - Navient is closed - and I logged into the website to find that I now have XXXX past due notices on my account. 
Furthermore, even though I am on a fixed monthly payment for my remaining, consolidated federal loans, they charge me an additional {$75.00} every third month for no apparent reason. The customer service representative I spoke to earlier this week explained to me that this had to do with the disposition of the loan, but could n't explain why the amount was different from the agreed upon terms of the consolidation. 
I 'm completely fed up with the servicer Navient at this point. I will continue calling them to straighten out the past due amounts and attempt to resolve the situation but I do n't feel that they are acting in good faith, in competence, and I 'm seriously concerned that they have been overcharging me even though I have never missed or made a late payment. Any help you can provide in dealing with them would be appreciated.
Consumer complaint received 2015-11-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

My identity was stolen in XXXX 2000 's. I have an open case with the department of justice and they have arrested the woman that opened accounts in my name. I have filled out an FTC Fraud affidavit and sent it to the credit bureaus however they have not done their jobs and removed XXXX items. 1. XXXX BANK 2. XXXX XXXX JUDGEMENT. 3. XXXX BANK. I Feel like Equifax is leaving these accounts on the credit report so they can make more money off of the negative reporting. This is not only wrong but very unethical and illegal. 
I have sent XXXX letters certified and the accounts are still showing. Attached are my documents and letters I have sent the credit bureaus. Please investigate and fine this company for violating my federal rights.
Consumer complaint received 2016-04-13
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (OH)

I attended XXXX XXXX which is part of XXXX. The recruiters pushed us to sign up for private student loans telling us that when it came time to pay back out student loans that we could re consolidate but Navient will not let me re consolidate my student loans and I have an interest rate that is more than twice the national average- I currently have a 13.5 % interest rate. And by the time i pay off this student loan i will be paying almost 3 times the amount i originally borrowed. I received a certification from XXXX in XXXX which i was told i could transfer those credits to other schools but not one school took the credits from XXXX so when i pursued my degree further the time and money i had already spent at XXXX was not able to be used and i had to start completely over with my schooling- retaking some of the same classes i had already taken and paid for through XXXX . The recruiters from XXXX tell you that you can get any job in the XXXX field after attending school and will start out making enough money to pay back the student loans. But after finishing this program I did n't even have enough schooling or experience to apply and take the actual certification test to become a XXXX to even get a job in the field. The school started out with a different name and switched about half way through my program.
Consumer complaint received 2016-03-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (UT)

I feel that the lending was predatory. At the time of schooling I was XXXX and making under XXXX per year and was being told that I would have to continue with XXXX XXXX because my credits would not transfer to any other schools. They made me feel like there was no other choice and sold me on the fact that my loans would not have to be repaid until up to 6 months after I graduated. After seeing how much student debt I had stacked up and being told of the extremely low graduate rate of my XXXX XXXX I had to stop racking up debt with XXXX. I stopped attending there to avoid the pressure that their finance team puts on you to take out more loans. I am now having issues repaying the debt I racked up. I checked XXXX XXXX 's website and found that they no longer even offer the multimedia degree I was attending for. I have both Federal and Private loans they had me take out. Looking over the statements that started in 2003 there are so many charges that I have no idea how those amounts were charged as purchases, etc.
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: M. G. Credit, Inc. (GA)

I have requested " VALIDATATION & Not Verification '' of this debt for on months ... Have yet to seen the proof as required by the Federal Law. These are not my accounts! 

There are accounts own my credit report destroying my credit report from : M.G. Credit account # XXXX account # XXXX account # XXXX account # XXXX My score was just an XXXX on XXXX and not XXXX because these accounts updated as " Late '' ; however the accounts are " Closed '' Please provide legal of lawyers to speak with about this matters as well.
Consumer complaint received 2016-02-24
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Navient Solutions, LLC. (VA)

For over a year, Representatives from XXXX XXXX XXXX ( A debt collection agency ) have been making threatening and harassing phones calls to myself and distance relatives ( giving these individuals personals and private information ) in an attempt to force payments for a Sallie Mae Loan that they claim that I owe but when I asked on numerous occasions last year for them to produce a promissory note and a copy of such information they never sent it. But, they harassed my terminally ill father via telephone calls concerning a loan that he had no knowledge of and is not responsible for. This harassment of my terminally ill father ( who passed away last year ) and his family continue all of last year and now. XXXX XXXX XXXX representatives were told several times that I did not live and have not lived with my father for over 44 years but these individual still harassed him and his family and they even gave them personal and privacy information about myself. They have also claimed to be family members and government employees in attempt to gain my trust and to collect this student loan debt. They have also claim that the interest and fees on this loan grows daily and legal action will be made to collect this so-called debt. They have been informed that several years ago all of my student loans were consolidated to XXXX Success and I do not owe a Sallie Mae Loan. I have also asked them to stop any and all contact with myself and family members but now they are calling me from XXXX every day and night and just hanging up or not saying anything on the phone when I answer.
Consumer complaint received 2015-11-11
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 knew that I was eligible to consolidate my student loans, half of which would come due 6 months later ( XX/XX/XXXX ), the other half immediately. I began calling Navient the day after I graduated to set a forebearance on the necessary loans so they would all be due in XX/XX/XXXX, allowing me to consolidate them all at once. Once they were notified of my graduation, they were happy to do this for me. 

Three months later ( XX/XX/XXXX ) I start getting notifications of payments due that month. I called again and spoke to a supervisor, and they said the agreement we made was only for my government loans, not the private ones. Even though they assured me in XX/XX/XXXX that ALL of my loans were included, they would not defer my loans as promised. 

My private student loans with Navient total roughly {$27000.00}, and the payments are roughly $ XXXX/month. Additionally, they wanted to charge me $ XXXX/loan ( XXXX ) to lower my monthly payment to a realistic amount. Since I could not afford an extra {$150.00}, they could do nothing more for me. 

After hitting my credit with a 60 day past-due notice, I called again to try to negotiate a reasonable payment. I was told that I could either pay the past due amount ( $ 1,000+ ) and request a lower payment, or allow them to take payments out of my bank account monthly. I explained that I do not get paid on the same day/date every month, as it 's a 2 week pay period. I was offering to make payments if they could make them reasonable, but they refused to help. Not only was the agent refusing to look at my account to see the previous conversations I 'd had with other agents, but he lied and told me no supervisors were in the building XXXX-XXXX. Roughly 20 min later, a supervisor called me back. She refused to apologize that the agent lied to me, or even acknowledge it. She then informed me that she will be referring my account for litigation and disconnected the call. 

I WANT to make payments, but they continually lie to me and refuse to accept any type of agreement that would n't overly benefit them. I do n't understand how this is legal.
Consumer complaint received 2017-03-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I was encouraged to defer my payment for three months by Navient. I told every financial counselor I spoke with from Navient that I was unemployed and looking for a job and that I could not afford payments. They told me I could take a deferment for three months once my account was up to date. I asked my Mom to help me make that payment and after the payment was received they told me I was unable to take a deferment. I received countless calls every day ( 3 or more times daily, at all hours of the day ) from navient financial counselors. Several months later I found out I was in a deferment for three months, and I asked why I was still receiving harrassing calls from navient workers. All the counselor I was speaking with did was apologize. I still am not employed full time, I work part time and it is difficult for me to make my payments every month ( although I do, about 50 % + of my income is paid to student loans ). I told navient counselors this and asked for information on other payment plans. I began asking this in XXXX and was told an email would be sent out to my mother ( these loans are in her name ) and that they would sent mail about repayment plans to our house. Nothing was sent and I have been asking them every month since XXXX about this. I am disgusted with dealing with Navient/ XXXX XXXX and I hope these circumstances change for the people who are indebted by them. If my payments were lower I could afford to do a lot more, but with the circumstance I am in now, I would have to make at least double what I make now to ever be able to move out and live on my own.
Consumer complaint received 2016-09-05
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)

Earlier in the year, addressee, XXXX XXXX aka XXXX XXXX, applied for XXXX ; upon approval many loans were discharged. Addressee, noticed that Navient possessed a few XXXX loans, which were not discharged. Addressee, XXXX XXXX aka XXXX XXXX, called Navient and requested to know why the loans were not discharged, and a respresentative from Navient stated that it was due to name differences. Addressee, XXXX XXXX aka XXXX XXXX, then went about to gather the necessary information to encourage and quick and speedly discourage, a Navient representative informed the addressee of the receipt of information, which the addressee has via email and other information. The addressee, that Navient has not discharged the loans in question. Addressee XXXX XXXX aka XXXX XXXX, is asking Naviet why the loans have n't been dischanged, to sent the addressee the origin of the loans and to expand why the loans, the year of which, is currently under federal question?
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

I have a loan thru Naviet and went to XXXX college that closed down few months after I finished but never got my XXXX. No one would tell me anything and I have this loan that I ca n't afford to pay back. They keep calling and will not help me lower my payments how I 'm I suppose to pay XXXX a month I 'm a single mom
Consumer complaint received 2016-01-08
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Navient Solutions, LLC. (VA)

In XXXX of XXXX I began receiving phone calls from Pioneer Credit in regards to student loan debt. I have not received written communication from them, although they claim to have sent it. In an effort to stop a possible wage garnishment I agreed to make XXXX good faith payments of {$100.00}. Those were done in XXXX, XXXX and XXXX. Since that time I have not had any communication with the company other then phone calls. Nothing written at all. On XXXX XXXX, XXXX I was informed by my payroll dept that Pioneer had submitted an order to garnish my wages. I have had no written communication from them at all. In my investigation I have found that they are not listed as servicers on my loans. I am unsure of who they are and until I get more information I do not want them to have the ability to take money from me. If the loans are mine I want to take care of them. I ca n't do that without verification and more information from them.
Consumer complaint received 2016-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MD)

I have had a federal student loan since I started college XX/XX/XXXX. Some of the loans are subsidized while the others are subsidized. I started going to school for my XXXX degree XX/XX/XXXX, and since then my student loans went into deferment. Without notifying me, the loan servicer, FEDLOAN SERVICING, changed my status from deferment to forbearance, in which case all interest that had accrued overtime, was added back on my student loan. These loans are already a burden and it is frustrating when federal loan servicing companies try to manipulate ways of repayment in order to make the max amount of profit. I am still in school half time and do n't understand why every semester I should have to re-report my status as a student. My loans went from deferment to forbearance XX/XX/XXXX and to date I have not been notified of this change. I only noticed this change yesterday, XX/XX/XXXX, on my online account at fedloan.org. I hope that something can be done about this matter so these issues do not keep occur again. Thank you for your time.
Consumer complaint received 2017-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (NC)

My coworker advised that a rep called in to my job. She asked her to verify information about me and she advised that the information was not her information. The rep continued with the call and asked her to pay XXXX that is owed in student loans. My co-worker then hung up the phone. The rep called back and the coworker picked up then hung up. She then called back again from a different number and was advised that I was at break. She then requested to speak to a supervisor. I feel that this is a FDCPA violation, because she verified with someone other than me and once she was hung up on she continued to call back not once but twice. Now they are harassing me and my coworkers making threats to them. I work at XXXX and out of all the XXXX in the USA they happen to know which XXXX I 'm employed at. The name of school in which I attended was XXXX XXXX XXXX XXXX, NC.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

I submitted a few complaints against Fed Loan Servicing. All of the complaints are denied by the company. Fed Loan Servicing simply uses copy and pasting from their rules/regulations and puts them into the reply section in the Consumer Financial Protection Bureau website. Fed Loan Servicing marks the complaints as being addressed / resolved, but what they copy and paste in has nothing to do with my case, and they never actually address my concerns. Those cases are marked as " resolved '' now, but they really are not resolved at all.
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (KS)

To whom it concerns if anyone, I have several DLPLUS loans through Fed Loan services. I have talked to several customer service representatives that have given misleading information. After talking to them about several different loan options like " Pay as you earn '', " income based '', and " revised pay as you earn '' programs all the income based programs that I have gotten quotes on. Then I called company to complete documents for these programs and was told I do not qualify for by another rep. I started talking to so called supervisors of these departments and they recommended that I consolidate my loans. I was told that if I consolidate XXXX of my loans online and consolidate the remaining XXXX loans on paper copy. Then I would have consolidate the XXXX consolidation loans. Then I would then qualify for the income driven plans. Which are much cheaper monthly payments. So then I had to go to another company " XXXX. '' Which has the online consolidation form I needed to fill out to consolidate the first set of loans. So I start the process and needed assistance so I contacted their support number. I talked to a supervisor in that company and she informed me that I only qualified for the income contingent plan that was ridiculously high. Like {$1600.00} a month. There is no way I am signing my name to that amount for just part of my loans through this company. I got on computer to inquire about FED Loans Services and there are thousands of people that experience the same kind of service. Meanwhile they stall and keep me on payment forbearance which accrues interest. This is the biggest scam I have ever seen. And this is a company that controls our kid 's educational future. And this is a Federal Program that should be an embarrassment to government officials that implement these programs. That being said I still have gotten " No Where '' with getting my loans consolidated and or gotten reliable information as to what loan repayment plans that I qualify for that are affordable. This is such a large problem that only thing I know to do is to contact a lawyer which is coming from a person that can not afford to pay these XXXX loan payments. Very upset. 
I am not sure if you can assist me in getting this issue resolved. 
Just to make you aware of how big this issues is here is a couple of links to look at about Fed Loans servicing. Which are not virus links. 
http : XXXX http : XXXX Sincerely, XXXX XXXX
Consumer complaint received 2017-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (PA)

I submitted a complain about the company, Case number : XXXX. The company responded by copying and pasting text regarding their policies. My problem was not addressed. I still have the same issues as described in the original complaint. No one called me. I am still being charged {$5000.00} as a payment. My case was marked as being complete with no further actions planned by the company.