BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
a few weeks ago, I submitted the same complaint about Chase Banks delay tactics of deducting from out account the next day ( in the morning ), when, in fact, they place the deduction the day before so that they can collect XXXX of dollars a day for the NSF. They told CFPB and wrote me a letter, saying that they have changed their tactics on this NSF situation. However, they did the same thing again to me on XXXX/XXXX/15 ( or XXXX/XXXX/15 )! I always check my account around XXXX every night before I go to sleep and when I went to sleep on XXXX/XXXX/15 ( XXXX XXXX I had a positive balance! I felt that they had " fixed '' their collection method, so I felt that I would run down to Chase the next morning and deposit enough monies to cover my checks. However, when I check before the bank opened ( at about XXXX XXXX ) I found that they had delayed the deduction of my checks from my account until the morning of XXXX/XXXX/15 and deducted XXXX NSF fees. I ran down to my Chase ATM machine at XXXX and deposited the monies to cover the insufficient funds, but to no avail. 
This is a rip off from customers of over millions of dollars a day using this tactic. There probably should be a class action suit by customers of Chase who have unfairly been " ripped off '' by being charged NSF fees by Chase using this tactic.. They either had n't changed their method of collection OR they stalling to change, while they continue to collect the XXXX of dollars per day. 
They had written to me and CFPB saying that they had changed this tactic, but it looks as if they just lied, or they delayed the change until they continue to receive XXXX of dollars. 
My previous submission number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have informed collector of my new mailing address but yet collector still send collection letter/notices to my old address which my sister live. Collector seems to use the mailing to old address for important documents/court order to which I did not received and fail to report and result in a default judgement. I have letter written to inform collector with settlement check which the cashed and acknowledgement of my new resident/mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
Complaint is with Chase Bank. They 've never kept my notifications up when they promised they would, causing charges to come about unexpected. 
{$60.00} bill was taken out of my account at XXXX I deposited {$80.00} at XXXX Chase charges me an additional {$30.00}, claiming " Because of Time Zones we can charge you a late fee early ''. Account is now negative, at risk to MORE overdraft fees and I do n't have any more money to put in. 
Chase refuses to refund the money, stating " We 've already done it for you before '' Chase Bank is robbing people. Simply put. 
Chase is robbing people who do n't have any money. 
This stupid world is filled with crooked company 's shaking people 's pockets out and taking everything. 

My complaint is simple, but it makes a big impact on people 's lives. The quality of life which is stressed and burdened by scum bag companys is no longer acceptable. I 'm doing everything right and timely yet still being punished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-22
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Navient is just poor, all around. Poor customer service, poor loan servicing, poor plan options. I have submitted paperwork for a lower payment on two different occasions, yet they tell me they did n't receive it, or they tell me it 's processing. I can not afford the payment they are STICKING me with and they are not giving me any other options. I have submitted bank statements and all required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have had my checking and savings accounts with Bank of America for almost 20 years. I logged into my accounts today and see that they had a maintenance fee of {$12.00} per month on a debit card account I keep for my wife. So I called Bank of America to see why they were charging me for a service I 'd gotten for free for 7 years. When I called they said they changed my account. Without my consent??? Why does B of A have the right to blindly change my account ... ... then charge me for something that has been historically free? Imagine if mortgage companies could blindly change your rate just because they wanted to increase profit margins. This is an unfair and unethical business tactic. They said they sent me something but I did not receive it. Please stop this unethical practice from happening to others. Its a violation of the trust we bestow in the big banks. Please fight for my rights!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage modification with Bank of America which took about two and half years before it finally concluded. They took me throughseveral different partial payment which they never concluded. Afterseveral contacts and follow up they finally approved the modification. Butthe terms of the modification was not favorable to me but I have toaccept because of the frustration I had gone through within themodification period, ruin credit and many more inconveniences. 
The modification that I was offer saw my principal increase from theamount I was before the modification started despite the fact that I hadbeen paying the different partial payments they had offered. 
I made payment to the tune of {$32000.00} during this very strenuousmodification period but to my greatest dismay my final modification hadmy principal increased from {$240000.00} to {$240000.00} interest baringprincipal and {$3000.00} non interest baring principal making a totalPrincipal of {$240000.00} an increase of {$3400.00}. I accepted the modification and have been paying my mortgage regularly and I am upto date with my payment. I have called several times and even ask my lawyer to send letters to Bank of America in my behalf which they didabout four different times but have not got any reasonable explanation from Bank of America till date about what happened to my partialpayment of {$32000.00} that I made within these period. Taxes, home insurance premium and FHA insurance paid within this period amountto about {$15000.00}, so how did they allocate the {$17000.00} overage that non of it went into reducing my principal? And also how come I did not get any principal forgiveness despite the fact that my home wasunder water? And what does the law prescribe for the time a modificationshould take? And why did they have to drag me for this long ruining mycredit making it very difficult for me to get any loan. In fact during thistime I had to get a car loan which could only be granted to me for a very high interest rate of about 21 %.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Date : XXXX/XXXX/2017 The Navient representative states that I called in the beginning of XXXX to set up payment, and that the payment was drafted including a one-time charge of {$1.00}, which was reversed from the bank. This resulted in the automatic debit not working, and the forbearance to get the loan back-on-track failing. Representative states that I was contacted about the situation, but I never received any communication over the phone, in email or via mail by Navient or even my bank regarding the transaction.Because of this, my payments went back into a negative, past-due status. Today, I made a payment of $ XXXX to bring the account current again using the same methods used the last time. The representative stated that they will keep a tab on the {$1.00} charge to make sure that it is not reversed again, and will follow-up. I would receive a call from a XXXX XXXX XXXX mobile telephone # if this is the case. Otherwise, my next payment of $ XXXX will then be drafted on XXXX/XXXX/2017. **Please note that this is not the first occasion that has happened with Navient XXXX The above is XXXX of the documented cases that I have with the company. This has happened before as I needed to postpone a payment so that I could cover living expenses, and get caught-up on other important bills. XXXX XXXX and Navient has done very little, if anything at all to work with me. I 've had this XXXX private loan for 10 years now, and all of the money I paid has gone to fees and interest charges. The loan is exactly the same amount as when I had to take it out over 10 years ago. Nothing is ever explained well or documented and it is always a mystery game with them. It 's very unsettling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am XXXX from a XXXX in 2003. My income went from about {$4000.00} a month to XXXX ( social security XXXX ) My XXXX was severe enough for my Social Security to be approved in just 3 months. I have begged J.P Morgan Chase to forgive my private student loans as, my financial situation will not be getting better. I am XXXX years old, and certainly did not plan on my XXXX career to end as it did. My husband ( who is XXXX as well ) struggle each month with making ends meet. I have continually pursued this loan forgiveness, and they continually turn me down. The last letter I received said I did not meet the " destitute : criteria. My Loan is now being handled by XXXX XXXX services, who on their website it says you may be awarded a XXXX forgiveness if you are deemed unable to work. In the paperwork from the Qualified XXXX I saw for my XXXX it says, and I quote '' XXXX ( XXXX ) XXXX can not return to work as a XXXX requiring direct unsupervised patient care '' end quote. I can not lift, bend, stand, sit or lay for any prolonged periods of time. What exactly do I have to do to get J.P Morgan Case to realize I am XXXX and will NEVER be able to work again, and do not have the means to repay this loan. Would they like for me to send them one of my limbs??? I will continue to fight them and will not be making any payments of loan XXXX and XXXX until something is done. I will continue to make loan # XXXX payments only because my son co signed for that one. I need someone to listen to me and help me! Maybe its time for them to help others like they got help with the bailouts years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Second instance. 
I paid my mortgage electronically last night and checked my bank today and it had not been processed. I went to Chase.com today and it showed that the payment had not been made. I was in the process of paying again when I saw a button to review transactions. On this page my payment showed. The last time this happened I ended up paying my mortgage twice and several checks bounced as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: JPMORGAN CHASE & CO.
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 while checking my account I found out that there was an unauthorized XXXX $ withdrawal in my account, it was used to pay a Credit Card that was n't mine. I immediately proceeded to make a complaint and got a complaint number ( ticket ). I got my online account disabled. The XXXX $ were then added as a credit note while they made their inquiry. Then, while they were in inquiring, XXXX more unauthorized withdrawals were made ( XXXX $ and XXXX $ ). I immediately called again to report the situation and asked for a complete bank account and cards blockage. They made another XXXX credit notes. Those last XXXX credit notes are still waiting to end it 's process. 
Then, the Bank told me I HAD to travel back to the United States to open a new bank account. I made so and spent about XXXX $ on airplane tickets, hotel, food and transportation inside the U.S.A. to get my bank account back and being able to use online banking again. 
The problem is that I told the manager of the XXXX XXXX XXXX XXXX XXXX, XXXX, FL agency the situation about all the money I had to spend traveling to the U.S.A. and he told me that, according Chase 's Bank Policies, those expenses are on me, but the fraud or scam was n't imputable on me, it 's not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2007 my ex-wife and I divorced. I had XXXX vehicles under my name which were with XXXX XXXX XXXX as the cosigner, and XXXX XXXX XXXX which I was the primary. The divorce proceedings lasted almost two and a half years. On the last day of the court proceedings I communicated with both creditors trying to salvage my credit as best I could. Both XXXX and XXXX gave me no special treatment, their only advice was to pay both of the accounts in full by the close of the day, and the accounts can be removed from my credit bureau file after seven years has past from the first delinquent reporting which was XXXX 2007 for XXXX, and XXXX 2007 for XXXX. I agreed with both and settled both accounts immediately. The total pay off for both accounts was over {$30000.00}. The seven years has now past, and I have disputed the information with all XXXX credit bureaus stating the allotted time has past and the accounts were paid in full. The returning investigation shows that the derogatory information has n't been removed but only updated. The first delinquency for the months of XXXX and XXXX 2007 now have been blacked out and report back " NO DATA ''. I have contacted both creditors asking why they have n't held up to the agreement made on the last court date. I have suffered with this on my credit report for the seven years, paid higher interest rates on everything I borrowed, or saved until I could pay cash long enough in the eyes of the law governing the credit reporting process. They have now changed the information in my files by deleting the first delinquency, and therefor keeping me suffering with this on my file. Why and how are they able to do this? Are they able to do whatever they want regarding my information? They have to hold up to their end of the agreement and release me from my suffering. 

Please Help Me!! 

Equifax XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a FHA loan and this loan is serviced by Bank of America. The bank did n't fulfill any of the contractual obligations it made with HUD, specifically loss mitigation before filing a foreclosure lawsuit against me. I have been fighting this bank for nearly four years in court and it has still refused to do what it contractually agreed to do. I also sued the bank under the Illinois Consumer Protection Act for its unfairness. It 's my understanding that this bank has repeated this conduct with several XXXX of FHA mortgages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-26
Company: USA Cash Services Management, Inc.
State: NV
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
My bank said I had Id theft so my payday loan fee was returned in XXXX, happened again in XXXX. The loan company said they would put me on a repayment plan starting XXXX XXXX 2015 I said ok. on XXXX XXXX 2015 Usacashservices.com took XXXX dollars out of my checking account causing other items to bounce. I called them to ask why when the payment was to be on payment plan XXXX monthly ( XXXX way too high still XXXX they told me just to take out another loan. I do not have computer at home so I had to walk over a mile in XXXX de heat XXXX. I panic so I applied like a dummy. now I am back into oweing interest I can not afford since it will take months to recover from money lost from id theft. is there a way to make them let me make payment. what they would loan me was less than what was needed to pay the bills and the fees the bank charged me so it was very little help and left me another XXXX in debt. with them your loan does not go bad until you miss 2 payments so you owe 2 fees of XXXX plus 2 months interest. so basically double of what you borrowed. they knew a month before I was fighting the bank. the only way out is to freeze their interest I just keep owing them more than I can pay. 
I owed them almost XXXX a sec after getting loan of XXXX so they were just ripping me off. I XXXX walking to use a computer for them and have not been able to walk to a computer since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Navient is servicing my daughters student loans. We receive on average 8-15 calls per day telling us we are late repaying our loans. Navient has auto deduct from our checking accounts so there is no possible way we are late. We pay what they told us to pay and yet we are told its not enough. My credit rating went from the high XXXX 's to low XXXX 's. Whenever we speak with a Navient rep, they argue with us and trying to turn the conversation back to us making a payment over the phone. No help from them in any form.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My girl friend and I, XXXX and XXXX years of age, went to a car dealer asking for a cheap reliable vehicle that we could afford. We explained that we only had a joint income of {$800.00} per mo. Just having a baby XXXX XXXX XXXX and no real credit, we were at their mercy. After a protracted period of time, they talked us into a new last year model car that would be a year old the minute it hit the street. We ended up with a 72 month contact at almost {$600.00} per mo. They suggest that if we would make at least one years worth of payments, we could rewrite the deal and drop the payment in half. We are now in default. There is no way we could handle such a payment and are now looking at bankruptcy. We really got taken to the cleaners. It should be noted that we are not able to drive the car in that we can not afford insurance and plates. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Unbeknownst to me, my son ( XXXX XXXX XXXX ) took out a Parent Plus loan for online classes with the University XXXX XXXX. He attended class for a day and advised XXXX counselors he could not avail himself to attend anymore classes. XXXX ( or Sallie Mae ) sent him the remainder of the loan which he never returned. I reported the fraud to Sallie Mae and was advised to go to the police and file a report. I did so but for some reason, Sallie Mae representatives and the police department were unable to resolve the problem. Now I am getting the hit on my credit and made to pay the bill. FYI, the police has the fraudulent signature card which XXXX, my son, had submitted. Everything else was digitally signed. I have filed an affidavit to Sallie Mae stating the loan was not authorized by me. I would like this issue resolved and the loan taken off of my name. I will not pay for a loan I did not authorize, incur, or had knowledge of at the time it was taken out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Even after correcting past incorrectly applied payments in response to an earlier complaint to CFPB, Navient continues to apply payments to the wrong loan when the payment amount and loan number are clearly indicated on the payment slip. The company then charges late fees on the loans for which they did not apply the payment as indicated on the payment slip. Telephone representatives refuse to correct the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a letter from Quicken Loans dated XXXX/XXXX/15 indicating we were eligible for refinance through HARP. The letter had my loan number provided by XXXX. 
When I called the XXXX number, I spoke with a fast talking representative who told me several lies, including,1. Quicken was the sole provider who was authorized to refinance this particular type of loan. 
2. He would not be able to provide a quote for the refinance without pulling a hard credit pull - doing so he said would be meaningless. 

When I indicated I had gotten a quote from XXXX 2 months ago, he told me that was impossible - that Quicken Loans was the ONLY provider who was able to do this refi, and they were working with XXXX in a new partnership so they were the only provider authorized to do this type of loan. 
When he would n't provide a quote without a hard credit pull, I hung up. I received a call from XXXX, a few minutes later. When I googled the number, it shows to be a Quicken Loans number in XXXX, AZ.

Company response to consumer: Closed with explanation