davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

In XXXX, because of a bank problem, I ended up paying my mortgage holder, ditech, XXXX payments. I requested they return XXXX of them. The amount was {$1600.00}. That is my mortgage plus extra for additional principal each month. I documented my calls, and had my Bank conference with me on at least XXXX of these calls as witness. Ditech agreed to return the extra payment. My bank sent written confirmation and review of these calls and agreement to ditech and myself. They have not returned the payment. Thy have ceased to send me my written monthly payments since this problem occurred. Ditech has repeatedly indicated they would have someone call me back about this, but never did. I would like them to send me my written monthly bill/statement. I would like to see what they have done with the {$1600.00} overpayment in XXXX. We checked my address and it was confirmed correct. They claim statements have been sent. The customer service agent told me that my mortgage has been " flagged for foreclosure ''. She could not indicate why. I have paid this mortgage since 1998, never late, and for the last year, always over the amount due to be applied to additional principal. The agent told me this would be explained to me by the supervisor who would be calling me to follow up on my inquiry. This has happened with this company before, and no one calls me back to follow up.
Consumer complaint received 2017-02-05
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Crow Creek Sioux Tribe (NJ)

I applayed for Loan on internet the amount I applied was {$770.00} with My LoanSite.com phone # XXXX Lender XXXX XXXX XXXX SD XXXX At the time agreement and disclosure was not visible. I was not informed about APR that will be XXXX % and finance charge will cost me {$3800.00} and total amount I will pay after I have made all payment as scheduled will be $ XXXX feel that I am victim and this Loan company taken advantage of my needs by exposing me to procentige rate that is astronomicaly high.In my opinionthis practice used by the lender is unfair.I never receive any paperwork with details of the loan, no any email explaine the loan, no any phone contact. I believe that I am victim and loan company take advantage of my needs.The loan company widraw from my account every Friday {$230.00}. XX/XX/2017 my balance is {$1000.00} this amount I am paid them.I have no doubt that this Lender violated a FCP law or regulation. The Lender never explaine agreement, never contact me by email, by phone by mail I never review the agreement my family member found on internet information about this lender. I contact XX/XX/2017 by phone and spoke with representative XXXX. I request to speak with supervisor or XXXX she promise that supervisor will call me and I will have shance to resolve the problem with the loan. However untill now no any contact at this time. Amount given to me direcly is XXXX {$770.00} I am paid {$1000.00} ... but I am not agree to pay them {$4600.00} I need help and asistance and I am requestung this loan to be closed imediately, hope so that some XXXX will be loked into my problem and here will be solution and this loan company need to provide on time information about the loan, rate , %, term by mail, by email or by fax.
Consumer complaint received 2016-07-06
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: JPMORGAN CHASE & CO. (CA)

I believe I open XXXX inquires against Chase Credit Card XXXX is : XXXX and the other XXXX : XXXX. 
You agency put this XXXX complaints as a duplicate. 
I believe I asked your agency to ask Chase to stop any communication with me until they Proof a signed Card agreement. 
As the Letter I 'm attaching the copy of the letter dated XXXX XXXX 2016 also I 'm attaching the ongoing Monthly Statement Chase Trying to still collect these Illegal Late charges they still want to collect from me.
Consumer complaint received 2016-04-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (SC)

First contacted XXXX XXXX and XXXX XXXX XXXX in 2006 about daughter needing money to finish XXXX quarter. Before I signed as a cosigner on XXXX XXXX loan, I had a three way conversation with XXXX XXXX, the school and myself. Found out what she needed and expressed my wants to have the school paid directly with the monies, not to XXXX, XXXX XXXX Rep told me on the phone, it would be done. The following fall, XXXX my daughter did n't return to school, stated she did n't get enough financial help. Two years pass and I get a late notice on monthly payment, then I was told by her brother the reason of not returning to school was that she requested the loan to be sent to her after the original agreement and spent the monies. To verify that I call the financial aid dept. and they said that from the phone conversation in the beginning they waited on the funds but never got that check from XXXX XXXX as agreed. Since that time XXXX, because of being primary has put loan in forbearance, change email addresses for contact and not paid on the loan just to cause issues with me and my credit. I have take her to court 3 times, won the decision that she owes the money and she has told the judge 3 times she does n't owe it and spent the money and I owe it. Because of her owing money to everyone she does n't have anything in her name, just her husbands name. They have a new home, she drives a XXXX Chevrolet Tahoe, her husband works for XXXX, she bragged about how much money he makes and she works and gets paid cash so nothing shows up. She graduated from XXXX, and still pays this payment irregular so it messes up my credit. This last XXXX from what I was told when Navient, the new servicer contacted me in XXXX, she was 90 days late on the payment. They waited 90 days to contact me and it knock my credit rating down almost XXXX points to XXXX. XXXX does n't care because this is a game she plays knowingly that effects my credit because now since I had to retired, by monthly taxable income is {$190.00}. 
Navient calls me 3 to 4 times daily and sends me emails. When I talk to them and tell them that I cant afford to pay this amount and why do n't they contact her they say they have but contact me more because I am cosigner and then start making threat to me what they are going to do to me financially. XXXX does this to ruin my credit, I should have listen to my son back in 2006 and not signed this. I have tried to contact the Ombudsman department at Navient to resolve this but not response
Consumer complaint received 2015-06-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase approved me for XXXX of their credit cards, Chase XXXX XXXX. Upon receiving the card, I began to use the card. After a few transcations, I get a phone call from Chase regarding a fraud alert. I return the call and answer the appropriate questions. I was told to then go visit a local Chase branch. I went to the local branch to prove my identity. The branch personnel called the Chase security team and verified who I was. One week goes by and there is no contact by chase. I call daily to check the status. I eventually find out that my Chase credit card has been cancelled because of fraudulent activity. Meanwhile, there was no fraudulent activity.
Consumer complaint received 2017-04-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

On  XXXX / XXXX / 17 , I used Venmo to accept funds from  XXXX  people.  One  transaction was for {$1400.00}, and another transaction for {$1000.00}. I received notifications when the funds landed in my Venmo account, but in fact the money was never received, and I was the victim of fraud, and lost {$2400.00}. Within an hour of the fraudulent transfers, I received an email from Venmo explaining I was the victim of fraud. I appealed to Venmo 's customer service team, but they covered their  XXXX  with the legalese in their ToS. I think Venmo should be held accountable for knowingly administering a compromised system and exposing their users to unnecessary risk.
Consumer complaint received 2016-12-01
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (OR)

I have recieved a letter from XXXX. In this letter they claim that Providian bank is the creditor as well as XXXX XXXX. This is FALSE. Providian was sold in XX/XX/XXXX to Washington Mutual inc which continued to run it as wholly owned subsidiary. Class action suits began in XXXX, They settled with the governmental agencies and this constituted the largest settlement ever against a credit card company for widespread unlawful business practices. I received a check as part of this settlement. In XXXX, Washington Mutual was seized by the federal government and then sold to J.P.Morgan Chase. I have spoken with a Chase executive named XXXX XXXX ext. XXXX. She assured me that Chase does not collect on accounts that are as old as this. So, with that said, XXXX and XXXX are committing several crimes in trying to collect this debt. Fraud, violation 's of both Federal and state law 's. They obviously have no right to try and collect any debt from me as neither company posses a state license to operate as collection agency in my state. Chase bought up the bank that bought Providian. They do not have Chase 's permission to try and collect this debt, I have spoken with a Chase executive They list Providian as the creditor and that company no longer exist 's. This is fraud as far as I am concerned. If either of these collection agency tries to put this on my credit reports then I have no other recourse but to bring legal action. for violation of the Fair Credit Reporting Act, violations of the Fair Credit Reporting Act, various state law 's and Defamation of character. They even sent coupons for me to make payments with, how nice of them. This company obviously PREY 'S upon people that do not know the law. They are continuing to try and collect a debt that I do not owe or is not mine. 
I am pondering the avenue of legal action against these companies at present.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (MO)

XXXX 2013 Nelnet took over my student loan. They split it into XXXX different loans with the same account number to charge interest rates twice. After 7 months they raised the current payment amounts by 225 % with no notification. A couple of months after that they raised the current payment again. They put me in a forebearance that I did n't ask for. They reported inaccurately to the credit bureaus and had my student loans reported XXXX times. They also re-aged this account which is illegal. When asked for validation of the debt I was given a computer printout with in accurate information.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (VA)

I have a credit card through Chase. On about the XXXX of XXXX I logged on to the Chase website to check my account and noticed there was an additional credit card listed which I had not signed up for. I sent Chase card services a message through the website asking about the card as it was not requested. They spun up their fraud department, asked me a bunch of questions, told me to let them know if I saw any activity on the account, etc. I responded that they should simply shut down the card immediately as I did not order another credit card. They indicated they did this. On Monday of this week, XXXX XXXX, my new, unrequested XXXX rewards card showed up in my mail box, with a host of " welcome to your new credit card '' material. I called Chase customer service to ask how this could happen and they indicated this was an identity theft modus operandi. I should immediately inform XXXX of the credit monitoring agencies and be diligent with my statements. 
To me, it feels more like someone at Chase is trying to solicit more business by sending out unrequested credit cards in the hopes that a few will not be cancelled. I find it odd that someone would steal my identity ( Chase indicated they would only issue a card with the appropriate SSN ), only to send the card and all the documentation associated with the card to my home address.
Consumer complaint received 2016-11-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC. (MD)

On XX/XX/2016 I was going to settlement on a beach property. My daughter and son work in XXXX and this would be my wifes XXXX summer there. Suntrust XXXX XXXX at XXXX we went to XXXX XXXX And XXXX XXXX was third party to over see signing. XXXX. XXXX told my wife an I we would not be going to settlement. XXXX said she did not have a disclosure from sale of my condo, taxes were not pre paid approx XXXX, and we owed XXXX XXXX XXXX and XXXX XXXX from were XXXX funds were coming from. After XXXX hours of calling XXXX XXXX in the Suntrust XXXX office she told me right away she was calling her legal dept. At Approx XXXX XXXX her boss and XXXX in XXXX Va did a XXXX way conference call. XXXX XXXX XXXX explained it was a problem. I needed XXXX approx in XXXX cashiers checks to close that no one told me about. Went I brought up the word Attorney Suntrust Bank XXXX XXXX and her boss hung up. XXXX at XXXX said XXXX XXXX I know who you are and Suntrust did you wrong. XXXX XXXX at XXXX XXXX said I have never seen anything like that. I then reached out to XXXX XXXX at Suntrust who offered me XXXX to close this issue. XXXX XXXX of the Suntrust resolution team offered me a XXXX in writing to drop it. I am out XXXX and XXXX at XXXX dropped her loan fees saying this was wrong. XXXX XXXX at Suntrust told myself and XXXX XXXX my partner they were wrong. XXXX XXXX phone XXXX. Also XXXX XXXX was my loan processor at Suntrust and on Tuesday at XXXX. she said she would have XXXX XXXX call me which never happened. This was the Tuesday prior to the Friday XX/XX/2016 settlement date. I found out later about the 72 hour no changes to loan law. Suntrust played me like a fiddle. 
I need your help XXXX XXXX XXXX Suntrust offered me XXXX then XXXX to settle after this incident. They said I was approved to {$200000.00} and XXXX XXXX told me the settlement would be adjusted.
Consumer complaint received 2017-02-13
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NY)

JP MORGAN CHASE IS LISTED AS TRUSTEE TO MORTGAGE LOAN TRUST XXXX XXXX. THEY HAVE SENT TWO LETTERS STATING THAT THEY HAVE NO INFORMATION ON MY MORTGAGE LOAN NUMBER, NAMES ON MORTGAGE OR PROPERTY ADDRESS.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (UT)

A fraudulent charge was made to our credit card. Once we noticed the charge, we canceled the card, notified the credit card company ( Chase ) of the problem and filed a police report with our local police department. We sent in requested documentation to the credit card company, including a response when they provided additional documentation they received from the vendor ( XXXX ) where the purchase had been made. We got a letter back stating that since we did not respond, they determined that the charges were valid. At that point, we called back, said that we HAD responded and that the charges were NOT valid and resent the faxed documents. Heard nothing. Called back a month or so later to see what the status was and they said that they had closed the inquiry again. We said we still contested the charges and wanted them to follow up. They still have not responded. It feels like they are just trying to make it difficult enough dealing with them that we give up and just accept the charges. It 's been over a year since we started the contestation process and it is still not resolved.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

My wife and I refinanced a single family residential rental with Chase Bank XX/XX/2015, with the first payment having a due date XX/XX/XXXX. On,or around XX/XX/XXXX I received a telephone call at work from an individual representing Chase Bank telling me that my payment was over due and demanding specifics as to when the payment would be made. I informed the gentleman that although the payment was due XXXX, that it was not delinquent until XXXX and I would be making the payment prior to that date. We had a considerable discussion during which I informed the gentleman that I was self-employed and my cash flow was such that I could not promise payment on any certain date, but it would be paid prior XXXX. This did not satisfy he gentleman and I finally told him that I would make it by the following Friday. Once again XX/XX/XXXX I received a similar telephone call at work and had a similar discussion. XX/XX/XXXX I again received a telephone call, this time at home in the evening, from a young lady representing Chase and we had the whole conversation again.

Each time I was told that the loan was due XXXX and that if I did not make the payment prior XXXX I would receive a "courtesy reminder call". This is nothing courteous about these calls, the callers are not rude, but are so relentless that they verge on threatening. I spoke to the loan officer at the Chase Bank where we arranged the loan and was told that he had never heard of this type of behavior.  All of my payments have been timely and I do not intend that they will ever be made on a date late enough to allow the bank to charge me a late charge. I consider the repeated, unnecessary telephone calls at work and at home in the evening to be nothing but unjustified harassment.
Consumer complaint received 2015-07-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: JPMORGAN CHASE & CO. (CO)

Hello, these credit cards debts i owed are over 7 years ago, when i was young n stupid make mistake to let my friend borrowed. If an collection debts is over 7 years, it should n't exist on your credit report any more right?
Consumer complaint received 2016-07-08
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

My wife and I became behind about a year ago due to loss of income. In XXXX of this year Chase offered us a repayment plan based on both mine and my wife 's income. Unfortunately, circumstances changed again due to my wife losing that job and we could not take the repayment plan. I called Chase on XXXX/XXXX/16 to find out if we have time to submit a loan modification package before the sale date of XXXX/XXXX/16. The agent advised me that if we submit a complete package 7 days prior to the scheduled sale date they will postpone the sale date until they review the package and make a decision. So I collected all the documents I was told to send and faxed them to Chase on XXXX/XXXX/2016. I called on XXXX/XXXX/16 and an agent by the name of XXXX said she found the documents faxed and the sale date is in the process of being postponed. She advised me to call back today XXXX/XXXX/16 to make sure it was postponed. When I called today and spoke to an agent name XXXX, she was really short with me and said she does n't see documents and the sale date is not being postponed. I immediately requested a manager and I got XXXX XXXX on the phone. He started reading the account notes aloud to me and stated that as of the XXXX/XXXX/16 the notes say they received documents however the modification dept denied the request to even review for assistance because it is not within 7 days of the sale date. I then tell him that it wrong because the sale date is on XXXX/XXXX/16 and that note was put there 11 days before the sale date. He immediately realized his mistake by reading the notes aloud and was stuttering. He then began to blame it on the investor which is FHA. I said to him did FHA deny the request, he said no because they never even saw it since Chase denied it. I told him that Chase told me I have 7 days to submit before the sale date and his notes confirmed it. He said there is nothing he can do. I feel like I 'm being discriminated against specifically on my loan. Chase over and over again stated that they are willing to postpone sale dates if a loss mitigation package is submitted 7 days prior to the sale date and I submitted 12 days prior and they are confirming they received package on XXXX/XXXX/16 but lying and saying it 's not within 7 days to so they can take the home instead of help me. Please, please look into this matter and help. There was other options available to me but Chase lied to me and now the window for those options is not available. They did this on purpose and the notes in their system prove it.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I want to a chase branch to open a bank account for myself the lady started to open the account she ask me did I ever had a account with chase before I said no. She told me there was a account in my name in that account was abuse that someone deposit bad check in my name I told her no I do n't do that so she told me I can never open a bank with chase again so I would like this to be investigated I was a victim of identity theft before so I want to my local police department to file a police report.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/XXXX, I received an email offer which stated if I used Visa Checkout with my Chase Freedom Card, I would receive a {$15.00} credit if I spent at least {$15.00}. I registered with Visa Checkout and made a Best Buy purchase through them on XXXX XXXX, XXXX. It posted on my statement on XX/XX/XXXX. 

I have never received the {$15.00} credit. I have called both Chase Credit Card services and Visa Checkout directly to try and resolve the issue, but I keep getting the runaround from the customer service of both companies. Each company tells me to call the other. I even direct messaged Chase about this on XXXX/XXXX/XXXX and I think even earlier in XX/XX/XXXX or XXXX XXXX. 

This issue has not been resolved, and I do not want to get the runaround on a simple matter anymore.
Consumer complaint received 2021-11-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

I advised XXXX debt wasnt mine and advised them that i never had the company and that my wallet got stolen in high school with my social inside, sent Jefferson capital system a debt validation letter over XXXX+ days ago and the debt still havent been verified, and Im trying to take care of this once for all and disputed with XXXX after not receive debt validation request and was advised information was accurate