davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I cosigned a XXXX study loan for my daughter, XXXX XXXX, in XXXX. It was originally with XXXX XXXX. She passed the XXXX just as the economy crashed and lawyers were not being hired but being released. She started taking court appointed cases in an effort to make some kind of living and has been doing that ever since but barely squeaking by. I have been paying on the loan for 6 years. When it was with XXXX XXXX, I paid {$75.00} a month which was fine when I was employed but once I retired I had far less income, approximately 40 % of what I had been making. Navient took over my daughter 's XXXX loan two years ago and continues to hold it. This past year they let me be in a rate reduction program where I paid {$90.00} a month and more of the money went to the principal. They informed me this year that I no longer qualify because I had opened new lines of credit. XXXX being, the purchase of the park model which we purchased to live in. The other was a credit card that I had opened at XXXX XXXX at XXXX because by doing that they gave me 20 % off of a XXXX gift. I have a small payment left to make to them and it will be completed and I did cut up the credit card. They also noted that we had leased a new car. We had a XXXX truck with XXXX miles on it that needed major repairs. The car dealership took our truck and used it as a {$2500.00} down payment on a car lease. Since we needed transportation we figured this was our best option. Obviously it was not a good idea but at our ages ( XXXX & XXXX ) we ca n't walk. My husband and I have always maintained separate checking accounts and we each have bills we are responsible for paying. My husband did not co-sign the loan with Navient but they told me last week his income needs to be considered in the new payment they are asking me to make which is XXXX. The original loan was {$15000.00} and now it is {$17000.00} and this is after I have paid over {$6000.00} in payments. According to them the loan accrues daily. I wo n't live to see it paid off I am quite sure. I am facing some XXXX with large co-pays, but they say that does n't affect my ability to pay them. I have been managing to pay them {$90.00} per month in a rate reduction program but that has been a struggle. At this point I do n't see that paying them and never having the amount reduced is reasonable.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (CA)

This is XXXX again. I just checked Chase Banks response to my complaint about my mail theft issue and the XXXX late payments that resulted from that dilemma and they are claiming that i was advised of the minimum payment over the phone, hence I am responsible. Yet I WAS NOT ADVISED of that and due to my statements going missing I had no knowledge of them minimum payments and therefore this is NOT my fault and Chase is refusing to follow the law and accept the Police report which I obtained. They are the only company that was affected that is giving me this hard time and falsely reporting to the three credit bureaus that I was dilinquent and this has tarnished my credit. I am a victim and they are being very difficult with me and they keep giving me the run around and refuse to do what is right. I advised them over and over again that the clerk at the bank simply took my payments a few times without advising me of ANY minimum. I do not bank online, so i had no access to that info. Which is why I paid the minimum as I was afraid ALL of my information was being compromised. Chase did not even care that my mail was stolen, they did n't even offer me condolences or a new card because my statements had my card numbers on it. They could care less! They have no respect of trust in their customers!
Consumer complaint received 2016-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (CA)

The loan servicer, NelNet, continues to make changes to the amount I am supposed to pay, in spite of a letter from them dated XXXX/XXXX/16 acknowledging that I have been approved for the income-driven repayment plan and that my payment will be {$130.00}. First, they deducted several XXXX dollars from my checking account with no notice, this deduction was not authorized and it was unwarranted and incorrect. Now they have for some unexplained reason put my loans into some sort of forbearance with no notice to me or explanation that this is happening. 

I work in a non-profit and all I want to do is make XXXX on time payments so that I can apply for PSLF. 

I think this company is shady and purposely is trying to extend the life of the loans and the capital balance so that they can charge the Dept of Education as much as possible and increase their profits. Some investigative journalist ought to take a look at it. I 'm sure plenty of loan holders and plenty of front line customer service employees will have lots to say.
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (CT)

The reason for the complaint is to try and cle The reason for the complaint is to try and gain clarity as to why Chase credit card services has continuous denied my request for a credit increase and interest rate reduction even though my credit score is currently above the XXXX 's. I have contacted Chase card services on more than one occasion and all I am told is due to my credit report however there is nothing negative on my credit report and I have recently purchased a home and have had my auto financed over five years and never a single late payment. I was informed by the representative that my request was being declined due to 17 late payments ; a shocker to me because I have chase setup on autopay for the due date and If they are having a difficult time with my payments why has no one ever contacted me. I asked a representative why has no one ever contacted me regarding the matter. The representative had no answer for that. I proceeded to tell the representative that I had paid Chase credit card services late on two occasions that I can recall and after that I enrolled in auto pay. so I am very confused where 17 times is comming from. My greatest desire would be to cancel the credit card without any damage occurring to my credit report. But I know that 's close to impossible and that is the only reason why I keep it. I feel obligated and frustrated with Chase credit card services and would not recommend them to anyone.
Consumer complaint received 2016-09-16
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Stewart, Zlimen & Jungers, Attorneys, Ltd. (MN)

I checked my annual credit report and I noticed something that seemed in error and disputed it with the XXXX agencies. Before I even heard a resolution apparently this collection agency filed a small claims for nearly double the amount owed and I had never received the court documents/summons. I am now got a letter from them in the format of court document demanding I give them all my finical information and only having one sentence saying this was " voluntary '' while making it look like a court order I do so for a garnishment.
Consumer complaint received 2016-01-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (OK)

On XXXX/XXXX/XXXX, I moved from my house in XXXX to a XXXX for two years. After the move, someone went through my trash and cashed a torn, fraudulent check. The check was dated in XXXX and was still cashed by a XXXX branch. I filed a claim with Chase 's fraud department immediately after recognizing the fraud. They refused to reimburse the money because the check was not shredded. I filed another complaint pointing out that the check had been torn and was dated two years ago. They refused to change their decision and said it would not be considered again.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I am an XXXX and my wife is an XXXX. I actually used to XXXX. We went homeless two years ago after my wife contracted XXXX and all our savings was used on copayments for care that ended up doing nothing. We live out of an RV. I can not get a bank in XXXX to open even the most basic checking account because I have no proof of a physical address. Can you assist? 
Thank you, XXXX
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

Chase has violated there own Terms and conditions. I have a current, open, and active Chase Premier Plus checking account. Chase offered me this account because of my Military service. Looking at the Chase terms and conditions from the Chase document, " A Guide to Your Account '' for Chase Premier Plus Checking account holders, Page XXXX explains Overdraft fees. In particular, it states, " IF WE RETURN THE SAME ITEM MULTIPLE TIMES, WE WILL ONLY CHARGE YOU XXXX RETURNED ITEM FEE FOR THAT ITEM WITHIN A 30-DAY PERIOD ''. 
I have had {$34.00} overdraft fees that Chase has charged me from the same returned item within the 30 day window. SEVERAL times I have called and given Chase the opportunity to reverse these outstanding charges and credit my account back. My requests have been ignored and denied. I warned them that my point is validated and advised that I would have to take next steps.
Consumer complaint received 2016-06-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2016, I Cashed a personal Chase check at XXXX XXXX XXXX XXXX Chase Bank. I have been a Chase member for many years. I currently own a Mortgage, Checking, and Saving Account with Chase Bank. 

This specific branch treats XXXX customers differently then XXXX XXXX customers when seeking and receiving bank services. Customers of XXXX race are specifically targeted with indifference, suspicion, dislike, when seeking or receiving bank services. 

Regularly, XXXX are intentionally denied bank financial services, because of their race. This is a prioritized business practice, by this specific Chase branch. 

XXXX bank customers are treated with great respect and superiority in comparison to XXXX bank customers.
Consumer complaint received 2016-05-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (WV)

I received a letter dated XXXX XXXX, 2016 ( the " XXXX XXXX Letter '' ) from JP Morgan Chase Bank , NA ( " Chase '' or " the bank '' ). A scan of the XXXX XXXX Letter is enclosed herein as Exhibit # XXXX. I have had a checking account with Chase for over 15 years. On XXXX XXXX, 2016 I checked my balance by using the bank 's text message service. The text message response from the bank indicated balance of {$1700.00} in my account. A copy of the text message I received from the bank is enclosed under Exhibit # XXXX. On XXXX XXXX, 2016 I went in person to the bank 's branch in XXXX XXXX XXXX ( the " XXXX branch '' ). The teller at XXXX branch informed that I have {$1700.00} in my account. A copy of the receipt the teller produced is enclosed as Exhibit # XXXX. On my request the teller withdrew {$1700.00} from my account. A copy of the receipt the teller produced after withdrawing {$1700.00} from my account showing the remaining balance of {$0.00} is marked Exhibit # XXXX. The XXXX XXXX Letter alleges that my account has been overdrawn. Evidence described above and presented herein demonstrates that my account has not been overdrawn. I disputed these allegation by sending the bank a letter via XXXX CERTIFIED MAIL No XXXX XXXX XXXX XXXX XXXX that included all Exhibits stated in this complaint ( the dispute letter ) and asked that the bank reimburses me for excessive fees the bank has charged my account for the allegedly overdraft. The bank has ignored my dispute letter and charged my account with numerous fees including allegedly Insufficient Funds and Extended Overdraft fees. My XXXX XXXX dispute letter clearly stated that I dispute these allegation and notified the bank that should the bank continue to charge my account with these unjust fees I will have no choice but exercising my legal options. XXXX XXXX XXXX, 2016 at about XXXX a bank representative made a harassing phone call to my cellular phone, demanded that I pay money to the bank, and threatened that the bank will report me to debt collectors and financial institutions.
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Please help me since CHASE HOME FINANCE has discriminated me and my family. IT IS OVER 3 years since i requested help to avoid foreclosure under a goverment program HAFA Short Sale, since then CHASE HOME FINANCE has been giving us misleading information, now they are manipulating the process and they declined my request for XXXX time. 

PLEASE HELP ME!!!! im tired and sick and tired of Chase Home Finance 's games. 

XXXX XXXX
Consumer complaint received 2016-08-28
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NM)

I was charged a foreign transaction fee of XXXX on XXXX/XXXX/2016. The bank explained that this fee was charged in relation to a ticket purchase I made through XXXX XXXX website because it was made through foreign currency. I advised the bank that I made the transaction through US dollars and that there were no indications on the airlines website or in the receipt I received that there will be any fees associated with the transaction. Since such a fee was not disclosed to me at the time of transaction, I requested a waiver of the fee. My request was denied.
Consumer complaint received 2016-04-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Altisource Portfolio Solutions, S.à r.l. (CA)

A company called XXXX was trying to charge me on a cancelled service. I tried to contact them few times and was told for a refund, but was never processed, so I contacted my credit card company which is XXXX. XXXX then stepped in and contacted XXXX. Everything was taken care but months later, XXXX filed a collection through Nationwide Credit Inc . I 've been trying to contact Nationwide Credit Inc for the past weeks, but they removed my online access, never picked up my phone, never returned my voicemail. What can I do? XXXX should 've spoke up when XXXX contacted them, but they did n't. They instead file me a collection, and the collection company does n't care to contact me at all. XXXX already wasted me a LOT of time. How come I 'm the person that has to waste my time to deal with XXXX 's mess. I ca n't just let them kill my credit and steal my money. Is there anything I can do? Thanks.
Consumer complaint received 2023-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have disputed fraudulent transactions on the XXXX account and disputed the inaccurate derogatory reporting to the credit bureaus for years, but none have done anything to correct the problem. Even now, 6 months after receiving an IRS Form -1099-C from XXXX Bank in XX/XX/2022, they are still reporting monthly derogatory and harassing statements and data to credit reports and inaccurate account date with an outstanding balance and severe delinquencies. 
In their letter to me they stated they will continue to report the inaccurate information to credit Bureaus until I ask them to stop. This is unacceptable purposefully harmful behavior and harassment that they intend to continue until the 10 year data cutoff. 
Their harassment and behavior can only be to continue to inflict more harm and more damage to my personal and financial security. 
Ive requested they stop and correct the record and issue a statement to me and forward the details of their harassing behavior and steps they are taking to resolve the emotional, financial, punitive and pain and suffering they have caused and continue to cause me so can restore the damage they have inflicted.
Consumer complaint received 2017-02-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: TD BANK US HOLDING COMPANY (CT)

I spoke with a supervisor/manager in charge by the name of XXXX at TD Bank today, XX/XX/XXXX, in regard to a debit card dispute previously filed in the amount of XXXX from XXXX of XXXX. I was told the dispute was closed out, TD Bank required additional information such as storage contract and receipt showing amount paid. This dispute is over fees charged for storage of my vehicle at dealership.. As I explained to XXXX, there is no storage contact as one was never signed or provided and I was not given a copy of receipt despite requests via email for one. I further explained that receipt, if one is provided, will show XXXX as paid and charged to my card. The reason for dispute is the fee ( s ) charged are questionable because they charged me XXXX per day for 45 days for storage of vehicle when I did not agree to the term or amount per day. Also, an item was also stolen out of my vehicle while in their storage, which I was not reimbursed for. I do not believe I should pay full amount, XXXX, when I did not sign any contract and had an item stolen from my car while it was in their possession. The item, a USB phone charger, was left in car until I could pick it up..It was not in car when I took delivery.. It has not been found, deemed stolen. I had to repurchase it, costing me XXXX I had to pay this amount,XXXX, in order to pick up vehicle from their lot, they were going to charge additional fees if not picked up. They were holding my vehicle pending registration, it could not be registered due to past due property taxes which had to be paid, this prevented registration. The Connecticut DMV, Attorney General 's Office, BBB ( Better Business Bureau ) are looking into this charge as complaints have been filed with them against merchant. I have not heard back from any of the agencies named as of yet. XXXX agreed to refile dispute with information provided, he was informed there is no storage contract and no receipt was provided. Please advise TD Bank this is all the information I have pertaining to this dispute, please try to recover funds from merchant.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

Received 3 emails today from Synchrony regarding a credit builder card that I never applied for. No text in the emails, the subject lines were A trial deposit has been successfully made to your Amazon Credit Builder, ( twice on that one ) and Action required on your application. I have an Amazon store card from Synchrony, but did not apply for a new one.  I don't need credit building. When I called Synchrony, after they finally transferred me to a person, the message came on that they were not able to help at this time and to call back at a later date. Then they hung up.
Consumer complaint received 2018-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

this orignal account was paid and agreed to be removed from my credit reports. when disputed with XXXX and XXXX,,, this account was removed from my account,,, however,,, equifax continued to continue reporting this as accurate information even though i had disputed correctly and given documents of proof.
Consumer complaint received 2018-01-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (ID)

On XX/XX/XXXX the company US Bank card services attempted to call me 3 times in less than 2 hours, called after XXXX XXXX and most calls were back to back. This was after I had committed to making a payment on the XX/XX/XXXX. Of {$300.00}. 
On the XXXX they called again several times in 2 hours and would hang up when I would answer. At XXXX XXXX i again received a call and made a payment. I let the man know I did not approve of the consistent calls and to not allow it to happen again. I clarified that they have notes stating when they talked to me and how many times they call and they said they did. Several times they asked why I went past due to which I let them know my Interest was supposed to be 0 for 6 months and it was applied after 3 months. They did not attempt to rectify the complaint. 
Today XX/XX/XXXX I again received 5 calls. One at XXXX, next at XXXX, next at XXXX, again at XXXX and yet again at XXXX. I answered the call and let the person know yet again that they need to stop calling so many times. She stated they have no control over the number of times they call or what times. I reminded her I had just made a payment and would not be able to make a second one right this minute and calling me several times wont change that. I then ended the call.
Consumer complaint received 2018-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have contacted and tried to resolve the issue with Portfolio Recovery Associates in the matter of credit card and other misc debt that has been opened under my name and information. This company states that they have sent mail in regards to this issue however I have yet to receive a thing. I tried contacting them directly via email to see if they can send the paperwork, however I am not getting any responses after their initial 'We need to make sure this email is secure ' email they sent where they had me reply back an 'I Agree ' to continue communications. Well this was sent on Wednesday and I have yet to hear back. I have sent an email to them on Friday stating " I need to know if youll be responding to my emails. Ive already sent an I AGREE response and havent heard a thing back. I can always open up a complain again but I decided to give you a try by contacting you directly. '' I need to dispute ALL charges that are tied with my social security number including but not limited to ( accounts ) : XXXX XXXX : {$990.00} XXXX XXXX : {$620.00} XXXX : {$340.00} XXXX XXXX : {$220.00} Total : {$2100.00}
Consumer complaint received 2017-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

I have been dealing with portfolio recovery is associates for quite some time now this is the second time since XXXX XXXX that they have close my accounts and then re-open them without my notificatioinhace proof I was not Notified of them opening my account back up after closing all of them