davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-01
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Real Time Group, Inc. (NV)

Thank you for providing a copy of the NOTE. This copy is surely diffrenet from previous versions that I have ever received On the last page it has a blank endorsement from countrywide official. Unfortunately this is a rubber-stamped signatures of XXXX XXXX XXXX which were surrogate signed onto UNDATED endorsements, meaning signed outside the presence and control of the authorized signor XXXX XXXX XXXX XXXXXXXX XXXX 

I am uploading a case against defendants XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. and XXXX XXXX XXXX. ( Collectively referred to herein as the dkDefendants '' ) for their violations of the False Claims Act ( : kFCA '' ), 31 U.S.C. jj 3729 - 3733. this case was settled in favor of plaintiff as serious charges named STAMPS and wrong doings were accepted by defendents. The foreclosure case against plaintiff was brought by XXXX but XXXX accepted the flase claims of " robosigning '' of endorsing promiossory notes by XXXX XXXX XXXX. surrogates. Such is happening on my NOTE.
Consumer complaint received 2016-04-06
Product: Mortgage — Reverse mortgage
Issue: Credit decision / Underwriting — 
Company: AMERICAN ADVISORS GROUP (MI)

I have been helping my sister apply for a reverse mortgage. I bought a home approximately 16 yrs ago through a mortgage and sold it to her on a land contract to help her out. Difficult times costs her a second job so it got tough for her to make the payment these past few yrs. When she turned XXXX she applied for a reverse mortgage ( XXXX 2016 ). At that time she stated she had a land contract and asked if there would be any issues-we were told no. Now after three months and {$450.00} in an appraisal fee, there are issues. They are accusing us of trying to get money falsely. I am not sure where this is coming from. I owe {$11000.00} on the mortgage, she owes me more and the funds she would get from the reverse mortgage were {$22000.00}. I would be taking a loss on the home but one does what ones has to when helping family. Main goal was to get her out of a mortgage payment. Our issue is the timeline this has taken and the guarantee she qualified for this mortgage-paid out {$450.00} and then told no.
Consumer complaint received 2017-03-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MIDFIRST BANK (NC)

My name is XXXX XXXX I am the heir to The Estate of XXXX XXXX XXXX and I have tried to get the loan placed in my name since XXXX XXXX and continued to pay by money order for the home for XXXX and due to medical reasons moved out of the home XXXX of XXXX my sister 's children was still in the home at the time with God parents who did not make payments to midland mortgage so payments got behind. I moved back in home because midland assured me that I could take over loan if I moved back in. I have moved in on XXXX XXXX and have sent multiple times hardship affidaviate and everything that they needed to try to help with getting the home placed in my name and assume loan and modification because of my low income. Now they are putting the house in foreclosure and I do n't think that it is fair because they have not done what they said they were gon na do.
Consumer complaint received 2017-02-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: MIDFIRST BANK (TX)

Left Job due to personal reason, mortgage loan was paid until then to XXXX which set up bi-weekly payments to be drafted from my account. MidLand Mortgage is now trying to foreclose on my property without showing me a valid international contract between them and myself.
Consumer complaint received 2016-06-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (OR)

I had a private loan and then graduated XXXX. After I graduated I knew I had to start paying on the loan within six months. However, when they called I explained my situation ( no job, no income ) and they said it 'd be fine. I called now that I can catch up and they 've turned it over from AES to XXXX. 
I called and the only option I had was pay in full or arrange a settlement. I ca n't pay that much and fee very misled on my options. I feel trapped by this loan now and do n't know how to get out.
Consumer complaint received 2016-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

My student loan servicer, FedLoan Servicing, took nearly two months from the time they confirmed receipt of my Income Based Repayment plan recertification ( XXXX XXXX ) to process my recertification ( on XXXX XXXX ). As a result, I have been billed for a " level '' payment of nearly twice my usual student loan payment. I confirmed on the phone with them that I made no errors in my application and that it was their inability to process the paperwork in a timely manner that has resulted in this large bill. They recommended I make the payment or receive a one-month foreberance. I do n't think I should have to pay extra, or extend the time until I reach my XXXX payments for loan forgiveness, due to their inability to process paperwork.
Consumer complaint received 2015-08-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

JP MORGAN CHASE and XXXX are DUAL TRACKING MY MORTGAGE XXXX sent me papers to help me work out a modification plan. While I was trying to work out the modification plan JP Morgan Chase was processing a foreclosure. I did not know who I was supposed to contact who I was supposed to work with to get help with the mortgage. XXXX told me that I have to work with them. So I completed applications sent forms and yet JP Morgan Chase has foreclosed without any notification to me. MY HOME IS SET TO BE SOLD XXXX XXXX, 2015. How can they lead me to believe I am getting this preapproved modification while they are foreclosing on my home. I received no court papers only the papers XXXX sent AFTER I FILED A COMPLAINT. I am at a loss what steps to take, the Attorney for Chase said that it did not matter that I was working with XXXX on a modification that JP Morgan Chase was foreclosing anyway. According to what I have read on the National Settlement they are restricted from doing this. 
The National Settlement stated that to .stop this illegal practice that I had to immediately file a complaint with you.
Consumer complaint received 2016-02-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO. (IL)

In XXXX I co-signed for a private student loan for my nephew to complete his college degree. He graduated in the middle of the financial crisis and had difficulty finding a job. Because of the financial crisis my husband lost his job, suffered a myriad of issues and I ended up declaring bankruptcy in XXXX. 

All debtors were duly notified and ALL debts were discharged in bankruptcy except my own personal federal student loans form XXXX school. 

In XXXX I started receiving collection calls from Chase for the loan that I had cosigned for my nephew. I sent them the discharge papers from Bankruptcy and the calls stopped. They then sold out the loan to someone else who not only started the collection efforts against me but against my nephew and reported it on my credit report. I again sent the information to the company and disputed the negative reporting on my credit report. XXXX removed it but not XXXX or XXXX, which caused my score to be weighed down significantly, caused credit declines and continues to report on my report. 

XX/XX/XXXX my nephew paid off the loan. Last year when I tried to purchase a home, part of the issue of decline from various mortgage companies was student loan reporting on my credit as a charge off. I requested a copy of my credit report from XXXX and noticed that it was reporting that I owed CHASE XXXX approx. {$8800.00}. 
I contacted my nephew to get evidence that he paid off the loan from the bank. After much back and forth, they eventually sent him a letter this year. While they had received payment, they kept reporting it on my credit report even though it was discharged already in Bankruptcy in XXXX! And the fact that I had to keep disputing this on my credit report and these morons keep telling me the balances are reporting correctly is exceptionally infuriating. They have cost me in thousands in high interest payments and declines in access to credit!
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (GA)

I got into some financial difficulty a year ago when I was laid off from my job. Now, I 'm trying to dig myself out, but XXXX of my credit card companies is trying to keep me from doing so by lowering my credit limit when I make a large payment. This means my credit card utilization rate will remain over 90 %, which is a major hit on my credit score. The low credit score then becomes an excuse for this bank and other creditors to give me increasingly less favorable credit terms. At this rate I will never be able to dig myself out of the hole I 'm in!
Consumer complaint received 2015-10-22
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

My complaint is Chase Amazon Visa did not address my issue in my first complaint to CFPB and Chase Amazon Visa is attempting to increase the charges to my account by adding additional interest and late fees to my account. ( See attached document. ) I have now given up hope for a charge-back because Chase Amazon Visa does not appear to care " XXXX XXXX '' XXXX XXXX XXXX tried to swindle me out of {$180000.00}. 

On XXXX XXXX, 2015, Chase Amazon Visa wrote me that they had notified XXXX credit bureau agencies ; XXXX, XXXX and XXXX XXXX that I disagreed with the resolution of the dispute. ( See attached document. ) As of XXXX XXXX, 2015, Chase Amazon Visa had not notified these XXXX agencies that I disagreed with the resolution of the dispute. 

Instead, on XXXX XXXX, 2015, I received a statement from Chase Amazon Visa which said my " new balance '' is XXXX and asked for a minimum payment of {$210.00}. ( See attached document. ) By sending me this new statement for my closed Chase Amazon Visa account ( for the original amount of the dispute ) and not alerting the XXXX Credit Reporting Agencies as Chase Amazon Visa said they would, it appears that Chase Amazon Visa is not going report me to these XXXX agencies as they said and end this horrible situation now. 

It would appear that Chase Amazon Visa is going to continue to send me statements which will incur late charges and interest indefinitely. Then Chase Amazon Visa will sell this new inflated amount to a collection agency. By doing this Chase Amazon Visa will only make this very bad situation much worse. 

Being the victim of the attempted swindle by " XXXX XXXX '' aka XXXX XXXX XXXX to take {$180000.00} from me has left me shaken and scared. 

I caught the scam before " XXXX XXXX '' XXXX XXXX XXXX XXXX could steal any money from me and alerted Chase Amazon Visa to the situation. 

Chase Amazon Visa has done nothing to stop what " XXXX XXXX '' XXXX XXXX XXXX XXXX is doing. 

On the contrary, Chase Amazon Visa is attempting to create an even worse situation by perpetuating this attempted fraud by " XXXX XXXX '' XXXX XXXX XXXX XXXX. 

I have accepted the fact that my excellent credit rating will be ruined by inadvertently becoming a victim to con artists. 

I realized what was going on in time and did not fall for the attempt by " XXXX XXXX '' aka XXXX XXXX XXXX to bilk me out of {$180000.00}. 

However Chase Amazon Visa continues to be a part of this swindle being conducted by '' XXXX XXXX '' XXXX XXXX XXXX XXXX by not ending this terrible situation and doing what they said they would do and report me to the XXXX credit agencies. 

Chase Amazon Visa continues to be a part of this attempted fraud by sending me statements asking for payment as if nothing ever happened.
Consumer complaint received 2016-02-11
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, 2015 I received a Chase mobile text stating I was below my normal funds. I went into my banking branch at XXXX XXXX XXXX where I presented both my id and debit card. I wrote and signed affidavits for unauthorized signature or transaction papers for amounts totaling XXXX. The bank allowed the thiefs to make XXXX different transactions at XXXX different banks in one day. And not once contacted me about this irregular activity on my account. Th
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

I have a Chase credit card with a few zero percent balances on it. They have not been crediting my payments to the balance with the soonest end date for the zero percent offer. On inquiring with them, I discovered that their policy is to credit payments to the balance ending first until the soonest ending balance is withing 60 days of ending. I believe that the balance ending soonest should be treated as the highest interest balance and be credited first. Their policy is in no way clearly stated.
Consumer complaint received 2017-02-17
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX requested a copy of the escrow refund check cashed on our Chase Mortgage which closed XX/XX/XXXX. Received the check around XXXX/XXXX/XXXX and it is shown that my ex-husband did a deposit via phone with only his signature when the check was drafted to him AND myself. Bank of America-his bank should have rejected the check by law as well Chase should have drafted funds back to XXXX and re issued XXXX checks for payee not as endorsed. I went to the XXXX branch in XXXX, filed their paperwork for Fraud and have been advised that the issue is with Chase. Working for a bank myself, I know that they are not following protocol. 

Chase is not following up after multiple requests and letter sent to them XX/XX/XXXX. Chase, the issuing bank, should have rejected the check for payee not as endorsed and has not resolved. 

I need assistance to get these banks to rectify their error and fraud on my ex-husband 's side in cashing a check without my signature for payee not as endorsed. 

XX/XX/XXXX XXXX with XXXX called and advised that Chase needs to resolve the issue. No area to amend original complaint, submitting updated complaint for Chase Bank.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (OH)

I had opened a Chase credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all XXXX credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what Chase has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me
Consumer complaint received 2016-05-12
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (IL)

Charged by XXXX for XXXX semester ( XXXX 2004 ). I was n't allowed to attend that semester by the XXXX at the time due to lack of finances on their record. Or at least, that what I was informed. I did not attend classes because teachers also did not have me n their rosters. When I attempted to attend classes when the semester began, I was directed to financial aid where I was then told I did not have the finances. Only to be charged in later years for the loan for that semester when I was no longer attending school. I have accumulated delinquencies & am now paying debt on a loan I never received.
Consumer complaint received 2015-09-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

I have a first mortgage with Chase, on a home in VA I bought XX/XX/XXXX. Thepurchase price of the home was {$490000.00}, I moved from VA XX/XX/XXXX dueto a job change. At the time, the value of my VA home had droppedbelow {$400000.00}, and I had a first mortgage with Chase and a 2ndmortgage XXXX. As a result, I was in a negative equity situation. 
I have NEVER wanted to walkaway from the home or myobligation. All I have EVER asked Chase to do was refinance mymortgage to a lower interest rate XXXX currently at 5.75 % XXXX to lower mypayments to enable me to better manage. Instead, Chase will donothing. I could 've walked away from the debt and forced Chaseto foreclose, but instead am doing my best to continue to pay them.
Consumer complaint received 2016-10-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I was contacted by Chase regarding suspicious charges on my checking account. After verifying that the charges were fraudulent, Chase automatically cancelled my debit card. The associate told me that, due to recent policy changes, I could not obtain a new debit card at a branch because I opened the account ( 3 yrs ago ) with my home state driver 's license but I have since obtained a driver 's license in my current state of residence. Per their new policy, the ID # has to match the ID used to open the account and I could not have submitted my new ID for record even if I wanted to. Even though the address on my new license matches the address that has been on file at Chase for 1.5 yrs., it was not enough to prove my identity. The associate told me that it would take 3-5 business days to receive my new card and did not offer to rush ship the card or make any accommodations. It has since been more than a week and I do not have a debit card. I have spoken to XXXX different Chase representatives ( XXXX at call centers, XXXX at branches ) who have all told me different things resulting in an enormous waste of time and unnecessary time spent at the branch. They cancelled the original card and have NOW requested a rushed card but, in the meantime, I am unable to pay many bills that only accept cards and not checking account information. I may lose promotional rates at gyms, entertainment services, and utilities. Other than this financial risk, I think this is problematic for other reasons. First, Chase told me that there is no way to proactively update my identification materials after an account is open, even though moving and obtaining new IDs is very common. I ca n't put this ID on file to help prevent this hassle in the future. Second, they did nothing to proactively problem solve around this until it had already been a week without a card ( they finally offered to rush the card ). Finally, it is clear that the balance between access and security is very much skewed since I ca n't access a new card regardless of the identification I provide. Obviously it would keep everyone 's assets safest if NOBODY can access the funds but that would totally defeat the purpose of a checking account. This policy COMPLETELY disadvantages the consumer and only recognizes the needs of the financial institution.
Consumer complaint received 2015-06-03
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (TX)

I have a few loans with Chase bank. I have been unemployed for nearly XXXX months, and have been actively trying to find a job. Chase bank handed over their loan servicing to XXXX XXXX XXXX ( XXXX ). Last week, I spoke with a representative of XXXX, and found out the what needed to be paid on the Chase loans, and I asked them when I would go into default. The XXXX representative was unable to tell me when I would go into default. This Monday, I contacted XXXX with money which I was able to scrounge up, and was shocked to find out that my loan had already gone into default. I was n't notified in any way that I was that close to default. It struck me as a complete surprise. I tried talking with XXXX about my options, and they sent me to Chase which sent me back again to XXXX - ultimately XXXX huge circle of no one knowing anything. I want to know how to fix this and why was n't I better notified of my default. I 'm barely surviving as it is, suffering from diagnosed XXXX, and I ca n't keep up with these loans in this horrible economy.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (TN)

I had about 12 late payments to report on my credit report because of an inaccuracy on their end. My student loans are deferred until XX/XX/XXXX so I am not sure why XXXX accounts state that there was a 90 day late payment back in XX/XX/XXXX. This has impacted my credit report in a tremendous way and I do not feel that it is right. I have tried contacting this business and was not able to speak with a representative.