davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (IL)

Jefferson Capital bought my XXXX wireless debt from XXXX XXXX collection campany - in XXXX XXXX. The original date of debt was back in XXXX with the original collector and the original company reported it correctly. After all these years I saw that the debt finally came off my report only to notice a couple months later that a new collection company put a new collection on my report. When I contacted this company I noticed that the amount was the same that I previously had on my report from the XXXX debt. Jefferson capital decided put on my report my old debt with a re-aged date of when they acquired my debt. When I spoke to the supervisor about this not being a legal practice and that they should n't penalize me all over again for my mistake that I made years ago they said that they reported the date that they bought the debt and that they are not re-aging or breaking any FCRA rules and regulations. I feel very hurt and upset that a collection company would lie and re-age my debt that I have already paid my price for. When I asked them to send me their prof of the documents that show exactly when I did n't pay this XXXX account that they put on all XXXX bureaus they said that everything is electronically done and they do n't have those files to send me. I asked them how that is possible to report collections onto peoples reports and not have the documents to support them. The supervisor said that if I have a problem then to dispute it because they did nothing wrong. I 'm disappointed Jefferson Capital is not following the rules. Please help me put this old debt behind me so that I wo n't be punished all over agin. Thank you, XXXX XXXX
Consumer complaint received 2016-04-23
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (KY)

I was a co signer on a Student loan with my nephew from XXXX XXXX, they sent the loan to Navient to collect because my nephew missed payments. They have never made any attempt to call him for payment. I gave them his name and address and number with no result, they continue calling me. Then my father paid ( XXXX XXXX ) the loan off and they are still calling and sending me bills, not from XXXX XXXX but from Navient. They have ruined my credit falsely.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

Navient, has never offered any solution into lowering my student loans currently totaling more than XXXX dollars making impossible payments with no forbearabce option, no income driven ( currently unemployed ) and putting payments to their convenience. As i was trying not to affect my cosigner they would apply payments to higher interest payments and would deny in the past the possibility of a cosigner release even when i had all the requirements. The amounts do n't go any lower and my work condition worsens as i studied in a for profit XXXX XXXX which also cheated on my expectations for my future. Basically ruined my future
Consumer complaint received 2016-07-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (PA)

I consolidated my loans maybe a year or two ago. I was so happy a weight was lifted off of me. Later i began receiving calls from Navient formally XXXX XXXX. i explained to the rep that i had consolidated all my loans and didnt know the $ XXXX that she was speaking about. come to find out, my mother ( and I ) took out a private loan with XXXX XXXX so that I could go to school. Sometime later i started a program to help me get on track with the payments, I was delinquent with about $ XXXX. I began paying {$200.00} a month. Shortly after that I learned that I was XXXX. About a month before I went out of work I called Navient to see if I could get a forbearance or deferment because it was unpaid leave. They told me I could not, subsequently I cancelled my payments ( that was scheduled for about a year out ) out of anger and frustration that they were not willing to hold payments for a month or two, and because I just could n't pay them while I was out. Anyway, fast forward to after XXXX. I finally spoke to someone about payments again. He was upset because I was ignoring Navients calls. Yes, because because I told them plenty times I could not pay anything while I was on leave. I offered to set up payments again, which was ignored and other payments on my consumer report were brought up. I hung up. If i am trying to set up payments again, why are you harassing me about my car payments. Anyway, I talk to two other people, the last person informed me that I was headed for default. I again told him I could pay {$100.00} a month and we could set up payments. He told me that even if I paid {$100.00} I would still default. I 'm so confused and angry. I do n't know what to do. I can not give them what I do n't have to give. Why will I default even if I am making payments. Navient has been a true nightmare. My fed loans are working with me. Navient is terrible.
Consumer complaint received 2017-02-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CO)

An agent approved me to use a credit card to pay off my students loan as long as it was paid off within 90 days. She stated the pay off amount would be honored for two weeks. I called one week later to give credit card info and the agent told me they were no longer accepting credit cards.
Consumer complaint received 2015-05-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MI)

I have a private student loan through XXXX XXXX, now Navient. My mother is the cosigner on the loan. I have been negotiating with Navient to reach a payment amount that I can actually afford. Today, Navient called my husband on both his cell and at his work number and left messages demanding I call them before XXXX or they were turning my loan over for debt collection. My husband is not listed as a contact for my account. I have no clue how they would have gotten his contact info, except for maybe a XXXX search. It seems like leaving a message regarding my loan is a violation of my privacy. Navient already calls me between XXXX times per day. In addition to that today, there was XXXX call to my mother and XXXX to my husband.
Consumer complaint received 2015-04-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (KY)

I have had financial set backs over the course of 4 years. I have modified my quality if life to relieve my debt ; but these private student loan interest rates have made it impossible for me to pay and survive at the same time. I have been harassed by callers and by mail. The proposed payment amounts are unrealistic. The problem is the steep accruing interest -- not the original loan amount. I have paid my other bills, controlled my spending, sold furniture and took my daughter out of private school. These loans not only affect me, but yet another generation. The berating from the company callers is incessant and demeaning.
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

With respect to the Income Based Repayment options offered through studentloans.gov, I have experienced issues, delays and problems every time I have applied or sought to renew or re-apply for Income Based Repayment through studentloans.gov. They make the application process over-complicated which I believe is intentional or at the very least, unnecessary. For example, I recently learned that my payment to Navient would double despite the fact that I filed for Income Based Repayment two months ago. The reason I was given was that I could not verify my spouse 's income which is laughable since my spouse 's income was imported directly into the application from the IRS ( I file jointly ). I would not have indicated that I could not verify my spouse 's income. This is the third time I have had issues related to my spouse and my application for Income Based Repayment. Rather than being reported in default and/or suffer the consequences of negative credit reporting, I recently paid the higher amount. This is a glaring example of how Navient and others extract money from borrowers and discourage income based repayment plans. I will attempt to discern how to rectify my current income based repayment issue through studentloans.gov ( I will have more issues next year without question ) but want to point out the questionable and deceptive lending practices. When I spoke with Navient today they were perfectly able ( through the " back office '' ) to determine the supposed problem with my income based repayment renewal application but did not offer to lower or adjust my payment for this month either now or when I rectify the purported problem. Rather, they point the finger at studentloans.gov and claim that my next payment will be lower if I go online and resubmit my IBR. Will see. Very convenient.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

I have been trying to make payment arrangements with Navient for months. Every time I call, I get that no one can help unless I guarantee how the payments will be made. They are rude and not understanding at all. Do n't they realize them bullying and belittling my situation is not helping the situation at all. I have been told that they will not place me in forbearance, not lower my payments and basically will not be working with me at all unless I can make the payment they are offering. I had a supervisor offer to take my interest rate to 1 % and extend the term of my loan, but he would not take payment unless I told him the method of how I was getting the funds to them every month. I told them that I was not sure but I would make sure the payment was made. He told me that he could not do it unless he knew for sure that I was going to make the payment on time every month. I feel like I am stuck between a rock and hard place. I want to make payments on my loans but I can not afford {$400.00} plus a month and be able to live and take care of my child. I explained that to them. They even told me that I am negative XXXX XXXX in my monthly income versus expenses. With them knowing that and still trying to increase my payments is ridiculous. I want to pay back the loans that I took out. Also, the loan amount that I actually took out from XXXX XXXX was a lot more with interest. I just wish at the time that the loans were offered to me that they really educated me about what I was getting into. The documentation that I read was a lot of jargon that was very hard to understand. The education that I got was not worth the headache that I am going through now.
Consumer complaint received 2016-03-16
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (FL)

Please Help! I believe I am being discriminated against by JP Morgan Chase while trying to refinance my home. 
On XXXX XXXX, 2016, I started the process to refinance my home. After checking my credit and sending all the appropriate documents to determine eligibility for the refinance loan, I was approved. I sent all the appropriate documents to the underwriting department ; each time I send the paper work that is being asked. The underwriting department comes back with something else that needed. 
The underwriting has documents and proof that prove I can afford the loan and will pay the loan promptly ; however the underwriting department with JP Morgan Chase bank continues to make the process difficult for me. I am not asking JP Morgan Chase for a favor ; I am just asking to reduce my interest rate through the XXXX program. With my credit score, equity of my home, and mortgage payment history, the interest rate for my current mortgage should not be 7.11 %. 
It has been almost three months since I have been going through this nightmare. I feel I am being discriminated against because I am XXXX. The Bank has proof I can afford the loan, because I have been with my employer for 20 years, and pay all my bills on time. For the past month, every time I check my XXXX XXXX it is above normal. The underwriting department is request information that does not pertain to me paying my mortgage. I have never encountered such discrimination in life. The underwriting department should not judge the consumer by XXXX their skin on the identification card picture sent to them ; but instead by the individual financial status and history of repaying a loan. 
Sincerely XXXX XXXX
Consumer complaint received 2015-04-08
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NV)

I was involved in an accident ( on XXXX XXXX, 2014 - Claim # XXXX ) while driving a vehicle rented from XXXX ( case # XXXX ). XXXX has, until now, not given the necessary quote for storage, towing and repairs to my insurance provider ( XXXX ). The credit card company ( CHASE VISA ) which was used to pay for the initial rental has rejected my dispute claim and is demanding that I pay the amount of {$3400.00}. My insurance provider has an incomplete quote from XXXX and is claiming that they have a request for the same amount that XXXX is billing my credit card company.
Consumer complaint received 2015-10-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Around XXXX XXXX, 2015 I went into the bank I usually go to, where I also go to XXXX. I then asked the representative to help me. XXXX helped me but then he said that my issue needed to be handled by a banker ; my banker XXXX. He then asked me to wait on the lobby, until XXXX was ready for me. Instead XXXX did not call me into her boot even though her boot was empty. Instead, she scurried in and out of her office several times to get XXXX to communicate with me instead of calling me into her office to speak directly to me. Almost three months went by. I did get XXXX calls from corporate to tell me that what I say is not true. Today, I went into the bank after making an ATM deposit. The representative from the XXXX booth to the left from the door, asked me if she could help me ; I do n't remember her name. I told her that I wanted to speak to the manager. She then tells me the manager is not in, and neither the assistant manager. She then tells me I can help you. I told her my story, but when I mentioned who discriminated on me, she gets out of her cubicle and tells me to leave and get out of the bank because I was making a scene. She called telling her my story making a scene. I waited for her to call someone to throw me out. She just went to the back of the bank and then came back and called a customer to her cubicle. I then asked the person at the XXXX cubicle next to her to help me. She yells out to him, do n't help her she is done here! He then tells me, he has an appointment. This is the excuse they were trying to make for XXXX, that she might have had an appointment. But then XXXX took the time to speak to the customers who were waiting, who came after me, but said nothing to me. The manager finally called me today XXXX/XXXX/15 at XXXX, but then at the end of the call, she tells me that if I do n't like the way I am being treated at her branch, that I should go to another branch. No wonder discriminations is main stream there, the employees cover up and protect, make excuses and deny for each other. I have emailed corporate, XXXX, and XXXX, but no one responds or mitigates my humiliation. I see that Chase has many legal law suites and many Chase hate websites, like XXXX. I see now why. There are so many complaints against Chase ; how shocking. I can see why, Chase adds fuel to the fire, instead of mitigating the complaints. Todays visit solidifies that if I had been a white person ; I would not have been treated this way. And having XXXX accounts with Chase, does not matter to Chase. I was very humiliated the first time ; however, today I have been deeply humiliated. I have been in XXXX California 60 years, and spent 29 years XXXX Count ; however, I never had these type of issues XXXX, but XXXX XXXX XXXX XXXX, it is a frequent occurrence, I am sad to say. Thank you.
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (LA)

paid my payment in XXXX for XXXX but paid before generating charged a late fee, called and complained late fee removed paid in XXXX apparently again before due date but will not remove late fee because already had XXXX removed, no one bothered to explain if pay before due date then it would generate a late fee, still confused.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank will NOT allow us to ReFi our XXXX condo mortgage, their underwriters use a " condo-hotel '' exclusion. There is NO " condo-hotel '' mentioned in either the developers plans on file with the county, nor in any of the individual XXXX condo buildings! We now have a 5.875 % 30 yr. mtg with Chase Bank & have NEVER been behind on any pmt. Recently Chase contacted us and said there was a good chance that they could lower the mtg. rate to 5 % ( still not a XXXX % rate but, better than we have now, ) & there would be NO closing costs pr other costs charged to us. We worked on all the necessary paperwork with a helpful Chase rep. in a Chase XXXX office.. He was encouraging even after we mentioned the prior " condo-hotel '' disqualification by Chase. Sure enough Chase killed the deal again - same " condo-hotel '' disqualification reason! FYI ~ We were able to ReFi with another bank, years ago on another exactly similar condo & our mtg. was reduced down from 7 % down 4.375 % with outta problem. Chase continues to be-devil us and disallow rate reduction. We willsoon be closed out as he ReFi & the ReFi HARP program deadline is fast approaching on XXXX XXXX 2015 ( I believe ). We need help!
Consumer complaint received 2017-01-10
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I filed a dispute with Chase for a covered situation, in which I ordered goods with a guaranteed shipping date and received them after the event they were ordered for had passed, due to the vendor shipping them 5 days later than was guaranteed. Chase accepted my dispute and then two months later on XX/XX/2016 sent me a letter demanding more documentation, due by XX/XX/2016, a federal holiday. I mailed XXXX pages of documentation in the prepaid envelope provided by Chase on XX/XX/XXXX. On XX/XX/XXXX Chase without considering that a federal holiday may have delayed their preferred method of shipping ( the XXXX envelope they sent me ) closed my case and ruled in favor of the vendor without ever speaking to me or reviewing the extensive documentation I sent. After receiving their confirmation that my dispute was closed and that they had rebilled my account, I discovered they had incorrectly classified my dispute all along ; despite my written statements and discussion by phone with Chase, they had filed my dispute as " merchandise not received, '' when I had submitted the dispute under " merchandise received too late to be useful. '' I called Chase to explain this and was promised a call back from the person handling my dispute within 24-48 hours. A week later I am still waiting. 

Chase therefore : 1. Misclassified my dispute and ruled against me under false pretenses by accepting merchant 's proof of the ( late ) delivery as proof my dispute was invalid ; 2. Required me to return documentation by mail on a federal mail holiday ; 3. Closed my dispute without waiting to receive said documentation for even one full business day after said federal holiday ; 4. Promised to communicate with me by phone and did not do so ; 5. Violated their own merchant agreement by failing to honor a valid dispute due to the mishandling of this matter.
Consumer complaint received 2015-10-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (NC)

I borrowed {$2700.00} on a title loan from Wilshire Consumer Credit XX/XX/XXXX, and added an additional {$500.00} XX/XX/XXXX for a total of {$3200.00}. I 've been making {$200.00} payments throughout. I 'm approaching {$6000.00} now and my balance is still over {$3000.00}. I 've recently learned that Wilshire was found guilty of unfair and illegal loan practices. I knew something was wrong with their practices but thought I was just stuck. I would very much appreciate your help in this regard.
Consumer complaint received 2016-07-31
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (GA)

I was being fraudulently charged for a gym membership that I had cancelled over 1-year ago. Throughout this year of additional charges, I had called Chase 6 different times to explain that I needed them to block the fraudulent gym membership charges from going through on my credit card. Chase failed to block these charges. As a result, I reported this to the CFPB. When Chase found out I had reported them to the CFPB for failing to protect me as a consumer, they raised the interest rates on my credit cards as retaliation. I just got a notice this week saying my interest rates went up. Chase provided no legitimate reason for raising my interest rates ; the company did this solely to punish me for reporting their previous behavior.
Consumer complaint received 2016-10-08
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

Chase does not allow customers to set up repeating payments in a specified dollar amount from a Chase checking or savings account to a Chase credit card account. The only option is the minimum payment due or the full balance due. This seems to be designed to prevent customers from paying down their credit card balance at their affordable pace without having to manually enter each scheduled payment thereby maintaining higher balances longer and making more interest income for Chase.
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (DC)

Chase keeps charging me fees that are erroneous. l 've complained over 20 times to Chase about erroneous fees. In XX/XX/XXXX, I reported fees that are not explainable. They gave a partial refund. They explained the fees were for auditing purposes. However, Chase from XX/XX/XXXX to XX/XX/XXXX mismanaged my account and did not accurately report the balances of my account. I ordered Chase through the CFPB to make my account balance transparent and current. They then charged me an auditing fee. I complained. They refunded partial payment for the auditing payment but not the full fee. lf Chase is unable to do basic math and balance their accounting books, those costs must be incurred by Chase no matter how large or small. Although the fees are small they are repetitive and they add up and it takes time to get the refund.