davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (GA)

Hello I am reaching out because I have lost my car, home, and I 'm losing my health due to me not being able to purchase my medication. I 've been banking with Chase since XX/XX/XXXX and have been receiving my same deposits with no change being made, but as of recently someone restricted my account due to what I believe was a error of {$1200.00} through some type of remote deposit. I spoke with Chase and told them that had to be a error and the payment would be resent via direct deposit and they said okay but my account would remain restricted. I waited on my next deposits to come in and they were on time to meet my bills, but Chase said they decided to close my account so I said cool just give me my funds. I updated my direct deposit with my employer so no other funds would come to that account but {$23000.00} of my dollars still managed to go that account and here is where the problem begin. I was told my account was restricted and that a thorough review are done over each transaction going in and coming out so I had a ACH come in my account that was looked at carefully before being accepted. Chase took the {$1200.00} dollars that I owed them and said they are not giving me my funds because they are in my publishing and stage name instead of my government name but it 's been that way since I opened my account. I did everything I was asked to do from the back office to the branch but I ca n't seem to get chase to understand the illegal part of holding my funds for no reason so I spoke with my employers and they said well if Chase had a problem with the deposit why did n't they just send it back to us to reissue it and I told them what the XXXX told me which was it 's to late to recall the money once it 's in the account and it confused me and my employer for a XXXX to say if some money is incorrectly sent to a bank account it ca n't be recalled I 'm sorry but I 'm lost and had no other choice but to reach out to you or file a lawsuit and discrimination claim against these chase executives please assist me with this matter if you can.
Consumer complaint received 2017-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (SC)

I filed numerous complaints against NELNET to no avail. I have submitted multiple correspondences to their corporation asking them to please submit validation and verification of the debt they stated that I owe ; and as of to date, they have failed to state a claim in which relief can be granted and they are still reporting numerous accounts on my credit profile. I have ask them to cease and desist all communication with me until they have provided me the original document with my wet-ink signature and they have yet to provide any documentation to me. If they claimed that they loan me any " money '' than it should't be this hard to provide me with the documentation but the truth is they never loan me any money it was my signature on the promissory note that created the funds and why are thy reporting numerous accounts on my create profile when there was only XXXX promissory note. I am tired of the fraud that have been committed against me and I am coming to you for help on this matter.
Consumer complaint received 2017-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

In  XXXX  of  XXXX , I received an invitation for me to apply for the  BarClay Luxury Gold card from Mastercard w hich offered me as an  XXXX   XXXX  service member 0 % APR and 0 % interest with the additional perk of waiving the annual fee of {$990.00} per year for the duration of my  XXXX   XXXX  service. Due to my high tempo life style in the  XXXX   XXXX , this card was attractive in that it gave me more options and more attractive rates than anything I was able to find. I applied and was approved in  XXXX  and received my card soon after. After I received the card I made a phone call in about late  XXXX , early  XXXX , to the customer service to line to ensure that it was in fact 0 % APR and 0 % interest and no annual fee for the duration of my active service. They informed me that in order to ensure the Service Members Civil Relief Act  ( SCRA ) was   followed, they required me to send a copy of my  XXXX , my orders and a few other things to prove I was in fact an  XXXX   XXXX  service member, which I had no problem doing and did the next day. A few days letter I received a letter in the mail thanking me for my service and " I would be able to maintain my benefits of the duration of my service ''.     In  XXXX  of  XXXX , I received another letter stating that I am no longer eligible to receive the benefits they promised initially when I first signed up and charged me the annual fee of {$990.00}, but kept the 0 % APR. I looked on my account and they charged me for the annual fee. I 've mad e 2 phone call s to their customer service department and although when I initially signed up they promised me to never retract their offer, they now have. This was a very attractive offer for service member 's, however the fact the company has promised in writing to waive the annual fee, they are basically going against their promises and really putting it to the service members/users of the card.     I have turned a few friends onto the card, because again, as a service member it 's attractive due to our lifestyle.
Consumer complaint received 2016-06-20
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (TX)

The information given to me when I originally was offered the loan, that I would be charged {$100.00} finance fee with a {$300.00} loan. The information was misleading and I have been charged {$100.00} for the past four months and nothing has gone to the initial balance. When you log onto your account, they do not show your payment history or balance owed. I had to call and talk to XXXX different people before I got a straight answer. Now they are offering me to settle my account but still pay way over the amount I originally was led to believe. I requested to get written documentation of the original agreement and was sent a spreadsheet of interest fees that did n't match up to my loan and had no account number or name included.
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

Disputed incomplete report information. Provided court copy of Master Satisfaction and Release of Mortgages recorded by the Clerk of the Circuit Court of XXXX County, Florida. 
Response received stated, " Unfortunately we are unable to honor your request to place credit information ( i.e., Satisfaction of Mortgages ) into your personal credit file since we would be unable to verify the data. We only receive public records information from our vendors who collect it from the courts. " The court record provided should be all the verification needed and can be easily verified online on the Clerk of Courts XXXX Co., Florida website. 
Thank you.
Consumer complaint received 2016-02-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MD)

I sent letters to Equifax about XXXX XXXX XXXX hard inquiries date of XXXX/XXXX/2015 and XXXX/XXXX/2015, which I did not authorize and I never received a response. Neither have the inquiries been removed from my credit report.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. ()

I was Denied Credit by XXXX XXXX XXXX, based on an EQUIFAX Credit Report I am in XXXX But have a US Phone Number XXXX I have contacted Equifax MULTIPLE TIMES requesting a copy of my credit Report, as required by Federal Law : The Fair Credit Reporting Act. 
EQUIFAX Continues to send me NON RESPONSIVE messages rather than Providing my Credit Report. Normal mail takes 5 1/2 weeks to arrive, therefore I have requested that my credit report be E-Mailed to me at XXXXXXXXXXXX. 

I have Provided them Every Piece of Verification Information Required to establish my Identity, Including my US Passport, My Current Philippine Drivers License ( Showing my Address ), A billing statement from XXXX, showing my address and Letter from XXXX showing Denial of Credit My contact info is as follows : US Phone in XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Phone : XXXX XXXX XXXX XXXX Cell Phone XXXX XXXX XXXX XXXX Sound is not good on Cell. 
XXXX : XXXX Email XXXXXXXXXXXX XXXX XXXX : XXXX XXXX
Consumer complaint received 2016-09-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MI)

my loan is serviced through american education services. I have a co-signer on my account totally around {$90000.00}. my loans have been sold and resold over and over again and i pay XXXX seperate accounts. XXXX i pay {$220.00} monthly for my XXXX student loan now services through american education services and i also pay {$550.00} to my National collegaite trust accounts serviced through american education services. I then pay XXXX $ monthly to XXXX XXXX and also {$55.00} monthly to wells fargo. Overall if you have added this up it totals to a {$900.00} per month. I have kept current barely by working XXXX jobs and begging my co-signer to loan me money non stop to make such a large payment each month. i cant buy a home, nor a car and i can barely survive and feed me and my son. I am drowning in this debt and i have tried to consolidate numerous time buts all the banks tell me is that I have to high of a debt to income ratio to get a new loan. I contact American education services every month being that they hold the bulk of my loans and every month every time i call they give me no help. they say i have no other options an di need to make my payment or they will sue my co-signer who is now retieing and cant afford to take on my XXXX $ worth of debt on a fixed income. I have literally begged for help because i am paying out a MAJORITY of my entire monthly income just in student loan debt causing me to live a extremly poor quality of life. i am begging for someone to work with me and lower my payments. this company wont help me at all and when i try to get help from a XXXX party they all say to default on my loan and then American education services and National collegetie trust will work with me. I should n't have to default. i want to pay i do my best, im trying to maintain my credit score as well as my co-signers. I should n't have to default to get help these companies should work with the consumer to make payments that are fair and reasonable. private lenders are ruining peoples lives although these big banks received bailouts, im asking for the same kind of help. this is america, im XXXX and a first generation college student whose parents made to much for me to get federal aid in my XXXX years but not enough to save and pay for my college. please help me someone. i have tried everything this company is ruthless. my americann education services account number is XXXX please help me get them to lower my payments. i want to pay just not almost XXXX $ per month when i have no car and dont even own a home.my american dream has been destroyed all beacuse i went to college.
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (WI)

Our condo association of XXXX members approved an amendment to our XXXX. In order to file in Wis you must have approval of mortgage holders in addition to the owner 's consent. There are XXXX banks who refuse to sign and or have thrown up many road blocks to their signing. XXXX saying they have nothing to do with the loan after it is granted, the XXXX asks for information and when it is sent they ask for more info plus several times ask for same paperwork they already have.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CO)

When I consolidated my loan with Nelnet, I was told I was on the correct standard repayment plan ( phone conversation ) to receive Public Service Loan forgiveness, however I was recently informed that after making 105 payments, I was on the incorrect " standard '' repayment plan since 2010. Each time I have talked to Nelnet, I informed them I was XXXX XXXX military and intended to use PSLF however was never advised that my payments were not qualifying.
Consumer complaint received 2015-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NY)

My mortgage lenders Green tree servicing place force place insurance on to my mortgage payment every month without my consent.they harass me on before the XXXX of every month, call me day and night demand payment quick and a {$12.00} XXXX XXXX they change my mortgage payment from {$1900.00} to {$2000.00} without explain why, the denial my loan modification XXXX time, the give the run around
Consumer complaint received 2022-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Intent to file lawsuit, no response for Validation documentation. 


Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor Sears. I have received no response from them and/or no proof to validate their claim. 

They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor Sears. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. 


Sincerely
Consumer complaint received 2017-01-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (VA)

I purchased a vehicle from a used car dealership XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX, 2012. Westlake Financial Services XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. The car was a lemon. It broke down completely and I returned the car to the dealership on XXXX XXXX, 2012. The car was towed back to the dealership. Westlake Financial has been reporting to all XXXX credit bureaus that I still owe the full amount of the loan with wrong information and refuse to remove this or the debt. Truly a horrible nightmare experience dealing with them, the dealership involved, and the credit bureaus. I 've been disputing this for years with no resolve. This is making a negative impact on my credit reports and life. It 's preventing me from having any credit from other lenders or even my own bank because it reflects the entire balance as a charge off. I want others to be aware and stay away from them.
Consumer complaint received 2017-03-02
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (WI)

My account was marked 30 days past due. I never received a past due notice and never got a call from the company to notify me that my payment was missed. The company told me at some point I opted out of contact. Having worked in XXXX for 10 years I have NEVER missed a payment and would NEVER opt out of communications for reasons like this.
Consumer complaint received 2015-12-13
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NY)

We 've had a Synchrony XXXX account for three years. In XXXX of 2014 we moved to XXXX and had to change our bank from a local credit union to XXXX Bank. We changed our payment info online with the credit card company and the payments were withdrawing from our XXXX bank every month for the next year with no problems. In XXXX of this year, we got a letter saying that our XXXX payment had been returned because of insufficient funds at our bank, we were now delinquent in our payments to Synchrony and they had cancelled our account. According to our XXXX bank statements, we had over {$6000.00} in our bank account, and according to Synchrony, a roughly {$100.00} payment was being rejected. Bear in mind, there was no returned or rejected items showing on our checking account. We went into the Synchrony account to make sure nothing had happened to the auto-payment, and it was fine. This month, they have done it again. On the phone, they said that they started to charge our old credit union account from over a year ago, despite the fact that it was deleted from their system when we moved, updated to the new bank and charged automatically each month since then ( with the exception of the past two inexplicable months ). This is hurting our credit, no one is willing to help and reverse what they have done. 

We do n't know why, after a year of auto-payments, the credit card company suddenly changed the auto-pay to a bank account that 's been closed for over a year.
Consumer complaint received 2016-10-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc. (NY)

I cant repay this I asked for lower payments, when filing for this I was told something by the school which ended up being different I filed Bankruptcy and that was supposed to help but really did not I have tried to work more and XXXX jobs with no luck. Can you help??
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (IN)

I have XXXX FFEL Stafford Subsidized Loans in default. Both loans were for {$5500.00} and I owe {$3200.00} on XXXX ( {$88.00} outstanding interest ) and {$3200.00} on the XXXX ( {$100.00} outstanding interest ). I could only find out this information on the federal student loan website. XXXX apparently owned both loans at some point, but they show XXXX loan as transferred and XXXX loan as paid by XXXX XXXX. On the federal site, one shows that Nelnet has it, but when I login, there is no information and no payment due. The other shows that it 's all still with XXXX, but XXXX website shows it 's not. I moved in 2011 during an economic hardship forbearance, and I never got any more information on repayment. Since then, I 've been trying to track them down, and I STILL ca n't figure out how to repay everything. I need some sort of straightforward information, and when I logged on to Nelnet, none of my information comes up or any amount due or how to repay it.
Consumer complaint received 2015-10-16
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: DISCOVER BANK (CA)

My late husband and I had a Discover credit card, which we used and paid faithfully on. My husband died unexpectedly on XXXX My deceased husband was the main income producer in our household. My house is being sold on a short sale of which I will derive no income. I want to pay my outstanding debts, and have contacted other debtors and all have allowed me to pay the outstanding balances, without interest accruing. XXXX, Discover Credit Card Company. I contacted Discover in XXXX of this year, XXXX, explaining my financial hardship to a representative of Discover, and I had a program worked out to pay a minimum balance each month with no interest charged. The representative indicated as such. But, as the monthly bills came, I noticed that the interest charge was still being added. I called Discover and was told, they understood that an agreement had been made between a representative and myself, but the computer program could not be changed, that charged the interest. The Discover representative said that I would have to call each month to have the interest taken off the monthly bill. This practice worked for several months, until this month, XXXX, when I called, dutifully, and was told that no valid agreement had been made and no interest would be deducted. I was on the phone with Discover Card representatives for XXXX hours, talked to XXXX representatives, was shuffled from one department to another, kept my composure, as I was told that no programs existed for me, no hardship program would be considered as the Discover Card company offered no such program. Disappointing ; yes. Frustrating ; yes. I do want to pay this bill. Without cooperation from Discover CreditCard Company I am faced with not paying and letting this account go delinquent. My depressed income will not allow me to pay this bill, with interest.
Consumer complaint received 2015-10-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

Chase bank consistently mismanages the Escrow and engages in fraudulent practices of incorrectly assessing escrow. Without a significant change in county/ city taxes or insurance they just increased the mortgage payment by about {$1000.00} per month after 5 years of regular payments. Chase bank does not provide visibility or an option to pay taxes separately.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

I have been paying my student loans through XXXX XXXX then Navient since XXXX. For approximately the first 12 months they applied more to my subsidized loan than the unsubsidized loan that had a higher interest rate. Navient eventually did start applying more to the unsubsidized, but only recently. Since the beginning of my repayment, the interest that I pay each month varies dramatically, in return the amount that is applied toward my principle also varies wildly. My concern now that the recent lawsuit has come against Navient, considering they have been my only servicer, that I could have been misinformed of the most efficient and quickest way for me to pay off my debt. I have been paying far more than my minimum payment since late XXXX and have seen my balance hardly decrease over that same time. How can I make sure that I have n't been mislead? How can I trust that what I am going to be told if I call Navient is honest? Can you help? 
I work for a company that was recently bought by Navient. PLEASE DO NOT GIVE ANY OF MY PERSONAL INFORMATION TO THEM.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I co-signed for a loan taken out by my Daughter who suffers from   XXXX   XXXX  . At a certain point she could no longer work or pay the loan. I am also  XXXX  and suffer from  XXXX . We both recieve our sole income form Social Security. We applied and subesuently recieved releif under hardship but the lender continues to report " missed payments '' on both of our credit reports with all three credit reporting agencies. The lender ( formerly  XXXX   XXXX  )  XXXX , had been informed of our desire to seek relief under hardship. We deny the late payments. I am also siting this corporation of re- aging the loans to keep reporting the late payments and continue multiple reporting.