davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-12
Product: Prepaid card — Gift or merchant card
Issue: Fees — 
Company: TD BANK US HOLDING COMPANY (NJ)

This is regarding gift cards from TD Bank. I was given XXXX TD Bank XXXX Debit cards at various times as gifts. Both are unexpired. I put them away with some othe gift cards I had accumulated for a larger purchase. 
I attempted to make tis purchase with these cards recently. The other XXXX cards I had, XXXX XXXX cards and another XXXX Debit card from " XXXX '' worked without problem. The XXXX from TD Bank, I was told required a PIN number to be used, even though the sticker on the cards said that they were active and ready to use. My wife registered the cards and set PIN Numbers for both cards. While registering the cards, we found that the cards had depleted in value. The {$50.00} card was now worth {$40.00} and the {$150.00} card was now worth {$110.00}. 
The cards were brought back to XXXX for use, and again they were declined. 
I went to the TD Bank branch office in XXXX NJ and spoke with the " store manager '' XXXX XXXX. I told my story and asked that the cards be cashed out since they apparently did not work, several times, in a store. 
He said that there was nothing he could do, that company policy was that they could not be cashed out. He put me on the phone with the credit card office to discuss why the PIN did not work. 
I spoke with " XXXX '', a supervisor. He looked up the cards registered under my name. He said that they were registered, but that there were no PINS assigned. I assured him that my wife had done this, he assured me that she had not. He said that if I go through the process again, that PINS will be assigned and they will be fine. 
We have already been through this. I wont go through it again. If I do, and we again attempt to use cards that dont work we will look foolish, and probably with suspicion. I want the value of the cards in CASH. I want to know why fees of {$50.00} can be removed from these cards. I had XXXX other cards, from different vendors that worked fine. I believe that whats being done is fraudulent and predatory.
Consumer complaint received 2015-04-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (AL)

I have contacted XXXX XXXX now Navient about accounts that has been listen on my credit report same account under both names with the same account number. The have been reporting an account that should not have been open on my credit report and refused to investigate the account to see. I have asked them repeatedly to investigate the account. They are also reporting the wrong delinquency dates for other account as well.
Consumer complaint received 2017-01-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (IA)

On XXXX XXXX 2016 I took my son XXXX to the XXXX department in XXXX XXXX, XXXX, GA. At the time I paid {$150.00} in the XXXX department. We later received the bill from the hospital claiming that we had not made any payments to the at time of service. I paid the remainder of the bill ( {$100.00} ) and contacted the hospital sort out the missing {$150.00}. I sent them the receipts, backdraft copies where the payment was cleared by my bank. I received another 2 bills from the hospital claiming I owed {$150.00}, the hospital claimed the had not received the documents I had faxed them. This happened 4 times over the time of 3 month. The hospital then handed the matter over to Central Financial Control Debt Collector. Again I faxed tem the documents showing I had paid at the time of service. The first 3 times they claimed they had not received the documents, so on the XXXX of XXXX 2016 I faxed 20 copies from 3 different fax machines and 3 copies by regular mail. Central Financial Control then acknowledged that they had received the information and it had been handed over to their disputed claims department. Since XXXX I have been told that my claim is under review and they will get back to me shortly. However, I have had no information about my claim, the person in charge of my claim ( XXXX XXXX ) have not returned any of my calls.
Consumer complaint received 2015-11-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (CA)

I took a title loan out with Wilshire Consumer Credit, an extremely high interest, short term loan, for about {$2600.00}. The terms were 10 % per month. I intended to only have to make one payment before paying them off but I ended up making two, XX/XX/XXXX & XX/XX/XXXX but then I had the funds to pay off the loan XX/XX/XXXX. Because I had to wait for a check to clear I called in to provide my account information on XXXX XXXX, I was given a payoff amount, was told that the funds would be removed in the next day or two and my pink slip would be returned in about 5 to 7 days. on XXXX XXXX I started receiving calls from Wilshire. When I responded I was told by the lady who answered that they had not been able to take the monies owed because I had given them incorrect account information and that I now owed an additional $ XXXX. I told her that I 'd given the correct information and asked why I would intentionally give them an incorrect account number. I also asked why they had n't called me back and at least leave a message immediately upon realizing there was a mistake. I was told that I should 've realized the monies had n't been removed and since I wanted my pink slip it was my responsibility to contact them. I told the lady that I was happy to pay the payoff amount given on XXXX XXXX but no more. Her reply was that was n't going to happen and she passed me on to her supervisor, XXXX XXXX. XXXX initially i.d . 'd himself as being XXXX XXXX for some reason. XXXX then proceeded to intentionally mangle the pronunciation of my last name, XXXX. Then when he reviewed the matter, he also stated that I had given them an incorrect account number. When I rejected that notion he became very condescending and told me that there was a tape of the conversation, that he would listen to and then decided if I had given an incorrect account number or not. I told him that we should listen to the tape together. He rejected that and said that was n't possible. Through out the conversation XXXX was extremely condescending and very unprofessional in that he repeatedly cut me off and talked over me, many times being merely repetitive. He ended the call by saying he would listen to the tape & make his judgement. I did n't hear from XXXX until XXXX/XXXX/15, when I received a collection call. I checked my account & they still have n't removed the funds. I just went through the same initial call that I went through before but with a more polite and professional individual. The results have been the same, he attempted to pass me off to his supervisor but the supervisor was in the meeting. To me it 's very clear what they 're doing. They intentionally wrote down the account number wrong and want to collect an additional few hundred dollars. It 's probably a way they pay their employees.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (PA)

I would like to redeem my cash back of XXXX on my Citi card. However, I was told be an operator that I ca n't redeem something I 've earned. 
I was n't aware of a level that has to obtained before I can use them. 
I was n't told that verbally when I signed up for the card. 
My XXXX, XXXX XXXX and XXXX cards do n't have minimal cash back thresholds!
Consumer complaint received 2016-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

Loan Original Disbursement - {$21000.00} - Payments made towards Loan - {$14000.00} This loan has been on repayment and throughout time I have paid off {$14000.00}. However I still have an unpaid principal amount of {$32000.00}. The interest rate, fees and terms seem to be a scam. My remaining balance after interest should be hovering around $ XXXX instead it is nearly {$33000.00}. The loan is making around {$25000.00} if I pay off the loans currently OR if I continue to pay off the loans the company is making nearly {$36000.00} off of a {$21000.00} original disbursement. This is disheartening as the {$14000.00} payments that have been made seem to have gone no where except to a entities pocket. Please inform me what can be done to bring my remaining balance to a manageable number as I have nearly payed off the original disbursement.
Consumer complaint received 2016-02-26
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (PA)

I called Chase to refinance our mortgage since they currently held our existing mortgage. I received a rate of 3.875 % with no points. We started to receive paperwork, the initial disclosure documents the following week. The documents had 0.25 % discount points. I spoke with the loan officer who stated that the documents had to be signed to move forward as well as the discount points to be removed. As then process proceeded, I was told that the points were removed and showed XXXX in the system. The week before closing, we were provided disclosure documents again with the discount points still listed. It was n't until the night before closing that the banker called back ( not loan officer ) because I wanted to postpone the closing due to this discrepancy. At this point we were told that the points had to be added because our appraisal came back lower than expected. We were informed that we could dispute the appraisal if we felt it was necessary but we did n't because we were never told that it could affect our rate or mortgage. Even though the appraisal was lower than expected, the mortgage was only XXXX % of the value of the house. Plus we both had credit ratings above XXXX. Our appraisal should not have affected the rate. We were never given any documentation stating the discount points were removed or increased for any reason.
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (WI)

Chase Freedom Credit Card Special Offer Received in the Mail Regarding Balance transfer on XX/XX/2016, for {$14000.00} at XXXX percent interest, XXXX percent transfer fee which totaled to {$290.00}. 

I recently received a special offer in the mail for Balance transfer with the above terms. I do not have a problem with the disclosed information or the above terms. 
What I have a problem with, is the monthly minimum payment rate of XXXX percent of the monthly open balance. This minimum monthly payment of XXXX percent of the monthly open balance was NOT disclosed, which I find to be a deceptive practice. Presently, I am being charged over {$700.00} a month for the minimum payment. In my opinion, this is excessive, was not disclosed in the special offer, and when I checked the Chase Credit Card web site, I was unable to find this inflated minimum payment rate. 

My wife, XXXXXXXXXXXXXXXXx, with XXXXXXXXXXXXXXXXXt card ending in XXXX had a similar offer, that monthly payment rate is XXXX monthly of the open balance.
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

XXXX at XXXX XXXX XXXX on loan # XXXX chase # XXXX will not help. My wife and I have been dealing with chase bank for over XXXX weeks on a simply information request. chase issued a XXXX misc to the irs for XXXX for my wife and her ex husband as extra income as part of short sell on mortgage they had. The IRS adjusted both my wife and her ex husband tax returns to for XXXX each. there was only XXXX XXXX check. XXXX XXXX will not address the issue.
Consumer complaint received 2016-05-12
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

I recently applied for a modification with CHASE and I was given multiple different reasons for denial and was never given an exact reason. I was even told by a manager that they used a specific amount of income and then was told otherwise by XXXX different people. when I started this program I was only 1 payment past due. I am currently 3 payments past due on my mortgage and all I want is to continue making payments on my mortgage but I do not have enough to make up the past due amount. My complaint overall is that is nearly impossible to understand this process and not to mention CHASE never called me to advise of the decision on the loan they just pushed it back to collections and I had to call and check on why it was taking so long for a decision. I found out that the loan was removed from modification review days before my call. MY Representative promised me a call to advise me of a decision I never received one call from her. I am now 3 payments past due and having to reapply again, I live in Texas so I know after missing 4 payments my property is going to be in active foreclosure or probably already is. I am wanting to keep my property I just can not pay the past due amount. I am having to reapply since I was n't told the accurate reason for denial I finally received the paperwork ( almost a month later ) and I now understand why I was denied and I have to reapply this delay in a process that I believe CHASE should already be on top of should not be happening. I am falling more and more past due and I CHASE will not let me make a payment while file is in review.
Consumer complaint received 2016-01-08
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (GA)

With Chase a {$620.00} charge ( XXXX 2015 ) was originally disputed due to an obscure merchant name and the monies reapplied to the merchant who uses XXXX account. Chase then send us a our statement which was paid the full amount in XXXX. The merchant is indicating that XXXX is saying they have not been given the money. I have reached out to Chase XXXX times and in each case they say they are showing that the issues lies with XXXX. Regardless it seems they are not interested in solving a customer service issue with their backend payment process as they have been paid and the merchant has not been paid from Chase.
Consumer complaint received 2016-05-16
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

1. Bank of America has not allowed me any resource to submit proof of hardship. 
2. Bank of America has not provided me with a contact representative who can be committed throughout this and previous complaint process. 
3. Bank of America has yet to acknowledge wrongdoing in processing my loan. 
4. Bank of America has not had a representative stay in touch with me, other than the first XXXX or XXXX contacts. 

Since last few months, XXXX apartments have been damaged. My total repair estimates are upwards of XXXX. Additionally, my loan has increased from {$270.00} to over {$1000.00}. 

Every month or so, BofA responds to these complaints by assigning me someone new. However, after XXXX contact, it is difficult to stay in contact with them as they have not returned calls. The most recent incident to which the new contact person for BofA did not leave an extension number. 

Bank of America took over 15 months to only deny the first step of loan, then took days to re-deny the appeal. Bank of Americas only solution is to restart the entire process.
Consumer complaint received 2017-01-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: JPMORGAN CHASE & CO. (MA)

JP Morgan Chase made a hard inquiry on my credit on XXXX XXXX, 2016 without my authorization to do so. Upon notification of the change on my credit I investigated the matter and notified JP Morgan Chase. They sent me a letter dated XXXX XXXX, 2016 stating that they contacted XXXX, XXXX and XXXX and asked them to remove the inquiry from my credit profile. On XXXX XXXX, 2016 the inquiries was still not removed from my profile. I contacted the credit agencies who then informed me that JP Morgan Chase never contacted them and therefore the hard inquiry is still on my credit profile. I contaced JP Morgan Chase again and then proceeded to dispute the hard inquiry with all the credit agencies. I received a letter from JP Morgan Chase dated XXXX XXXX, 2016 which is identical to the first letter they sent which says that they confirm having contacted the credit agencies and asked them to remove the inquiries from my credit profile. This has still not been done and it is likely to affect a life-important transaction I am about to make with my husband. This is definitely not acceptable and this matter must be investigated by a higher authority since I am unable to do anything more than I already have. Both letters referenced above is attached hereto. 
Sincerely, XXXX
Consumer complaint received 2016-05-27
Product: Debt collection — Federal student loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: Navient Solutions, LLC. (FL)

Everyday I get numerous phone calls from Navient to collect on my loan. It normally begins at XXXX, sometimes as early as XXXX, and sometimes they like to wait a little after XXXX and right before XXXX. It 's a daily occurrence, they also call me during work, which I have stated to them before is not allowed according to the rules of the company I work for. Yet they continue to do so, using many different phone numbers from all over the country. I refuse to pay my loans when they refuse to show me respect and wake me up hours before I need to.
Consumer complaint received 2015-06-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (ME)

I attended XXXX XXXX College in XXXX, New Hampshire. My sophomore, junior, and senior year I handled my financial aid without the help of my parents. I was a good student. I got a scholarship, I was a XXXX, and was named XXXX team for maintaining the highest GPA on the team for two years straight. During the three years in which I handled my own financial aid I was advised by XXXX XXXX XXXX 's financial aid office to go to XXXX and to take out Signature Student Loans in order to cover the remaining costs that I had during the year. It was so easy and I had no idea what I was getting in to. Before I knew it I was {$100000.00} in debt to XXXX XXXX ( now Navient ) with 9.75 % and 9.25 % interest rates and very little hope for a financial future. Monthly payments have been over {$1000.00}. I work a full-time job, a part-time job, and serve part-time in the XXXX XXXX XXXX ( they offer student loan repayment on federal loans ). I am XXXX years old and am hampered by incredible debt. I 'm not afraid to work, in fact I work all the time just to afford my monthly payments. I am unable to save any money for a house or start a family. I feel like I was misled by my financial aid office and XXXX XXXX. I was XXXX, XXXX, and XXXX years old when I took on this debt. I did not understand the gravity of the decisions I was making. To make matters worse it was so easy! A loan application for {$30000.00} at 9.75 % interest took me XXXX minutes to complete! It did n't even require a co-signer. I am current on all my bills and have never missed a payment, but am getting very frustrated at not making any progress. I 'm concerned about my future and the burden that I put on my future spouse and my family. I 'm not XXXX to run from my problems, but I need help. Navient has recently worked with me in negotiating a lower monthly payment and interest rate for 12 months. I am very grateful for this, however the payments are still nearly {$500.00} a month and only offer a short-term solution to the problem.
Consumer complaint received 2016-05-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I was giving a check from my brother in law. He wanted me to deposit the check into my account. Since i know he does n't have any deposit account. Before I cash the check, i went to the person that wrote the check and make sure it was n't a fake check. Everything was good. I deposit the check into the ATM. My brother in-law sign the check, since its under his name. I did n't. A few days later i notice my account has been closed. First they accused me of FRAUD. When its not true. The check is 100 % legal. After a few days of investigation. They say they closed it due to me not signing the check as well. The owner of the check went to chase branch to face them that its okay for me to cash the check. I was n't aware i had to sign the check as well. I thought im already giving permission by depositing the check into my account. I very honorable lady. I asked them if they could give me the check back and i will sign it. I was n't aware of the signature. Im sorry of my .mistake but i did n't know i had to sign the check as well. Please help me. Im searching on possible ways to resolve this problem. im not a delinquent. That 's why im doing everything i have to do to clear my name.
Consumer complaint received 2017-01-04
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I began meeting with Bank of America 's mortgage loan officer, XXXX XXXX on XXXX XXXX back in XXXX, It has been a constant XXXX calling her and her never returning my calls. She has all my information and the customer service Bank of America gives is absolutely horrible. A common courtesy call saying she can not help me is something I believe you need to teach your customer service. I have also spoken with XXXX the branch manager who promises me I will get a call back but that does not happen. I am very dissatisfied with Bank of America and am sorry they hold my mortgage. I believe XXXX XXXX should realize how these people are representing the company.
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

I opened my checking account with Chase on or about XX/XX/XXXX and I paid extra to have a line of credit as overdraft protection. I 'm also in the XXXX and have had difficulties getting the automatic deposits on time so in the past year I have had overdraft fees because the line of credit had been near the maximum. Luckily after explaining the issue, Chase has refunded XXXX of the fees. In order to avoid this problem, I saved up and paid off the line of credit of my overdraft protection so that in case something happened and I went over the limit the line I would be protected. My line of credit has been paid off for 3 months now to protect myself. 

This Monday ( XX/XX/XXXX ) I made a credit card payment knowing that I would go over the limit but trusting that the line of credit was empty and would protect me. I was shocked to find out that chase had cancelled the line of credit overdraft protection without telling me. 

I called Chase and they told me that they discontinued the line of credit and that the only protection I could have was by opening another account with them. I told them I did n't want a new account but I wanted the line of credit I had paid for and have had for years. They said that I can only open a new savings account. I told them that they should not force me to get a product I do not need or want because that is what got XXXX XXXX in trouble. They told me it is company policy. 

I told them I was a military member and that I would file a complaint for this unnecessary upselling. They told me to do as I wished.