davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

I cosigned a loan for a nephew which he defaulted on. I agreed to pay XXXX XXXX $ XXXX and have paid between $ 48- {$100.00} per month since XXXX 2010. When they switched their name to Navient they were no longer honoring our agreement and kept calling me daily to try to get me to bring the loan up to date for {$390.00} that I did n't have. They kept threatening to send my loan to a collector. I continued to pay monthly and send extra whenever I could. Last month my father was very ill and died on XXXX XXXX - I forgot to send them the XXXX} but on XXXX XXXX when I remembered I sent them {$100.00}. On XXXX XXXX I received a letter from a debt collector which was dated XXXX XXXX. The original agreement I had with XXXX XXXX was that I would send payment on the XXXX of the month, therefore my payment was n't even a month late. They did not send me a notice. Can they do this to me? I have been paying since 2010 consistently and did not give them any reason to think that I was not going to finish paying for my nephew 's loan. Also, my nephew had another loan that I did not cosign and he told me that he sent various payments and asked XXXX XXXX to apply it to the loan where I had cosigned. They also on several occasions applied some of my payments to the wrong loan. I asked them to send me a full accounting but they refused to send me any information on any payments my nephew made. Do I have the right to audit the XXXX accounts and should n't there be some protection for cosigners so that if the original borrower does make payments that it should go towards the loan that has a cosigner on it before going to the loan that is only under the original borrower 's loan? Please help me, this is n't even my own child and these people have been incredible rude to me. Calling me every single day when I was paying what they agreed I would pay every single month for the last 5 years.
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (FL)

My mother was preparing to purchase a home. She received an email from lender instructing her to wire funds to a certain XXXX XXXX XXXX account. She wired her down payment/closing costs totaling {$57000.00} on XXXX from our joint Chase bank account to a XXXX XXXX XXXX account. Two days later, at the closing for the house, she is informed by lender that they never received the funds and that they never sent us email with wire transfer instructions. That 's when everyone discovered that someone had hacked into lender emails and sent a fraudulent email in an attempt to defraud my mother of this money. We immediately report the incident to Chase and to the FBI. Chase opens up a case # and initiates a wire recall request. A few days go by and no word from either Bank or the FBI. I have yet to hear from the FBI and from what I understand, the amount is too small for them to get involved. So, I reached out to my local police department and continued to follow up with both Chase and XXXX XXXX XXXX. XXXX XXXX XXXX informed me that they had flagged their customer 's ( receiving ) account and successfully frozen the funds on their customer 's ( fraudulent ) account. They also inform me that they are willing to transfer the money back to our Chase account and that they only need Chase to sign off on a " hold harmless '' letter. I reach out to Chase again by phone a few days later and to my surprise, I am informed that they ( Chase ) have cancelled my recall request and closed my case. After my initial shock, I drive to a branch and ask a Chase banker to double check the status of my case. They inform me that case was indeed closed because they were not willing to sign off on the hold harmless letter. I plead with them to reconsider, stating to them that I am their customer and that the other bank is willing to cooperate and send the money back. Again my own bank refuses to assist saying they will not be signing any letter because there was no fraud on their part. At this point, I am in disbelief that my own bank dropped the ball on us and did n't even have the decency to reach out or call at any point to inform me of their decision. If I had not called them asking for a status, I am not sure they would have ever reached out to me. It seems that the receiving bank is more interested in working with us to prevent this fraud than my own bank is. XXXX XXXX XXXX offered me an alternative by having a police report sent to them ( which I 've done ), but still unsure that this will resolve the issue. I am deeply appalled by the treatment and lack of concern by my own banking institution. Chase would rather sweep the issue under the rug and needlessly avoid resolution than to take care of their own customer. Again, the receiving bank is willing to cooperate and send the funds bank, but it 's my own bank that lacks any sense of duty to assist or prevent fraud by leaving its own customer out in the cold.
Consumer complaint received 2017-02-22
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (GA)

Mortgage company ( XXXX ) is not reporting our mortgage on any of our credit reports. This is due to a bankruptcy that happened in XX/XX/XXXX tha they say was not reaffirmed. We have refinanced with them twice since the bankruptcy but they still wo n't report our mortgage on our credit. This has made our credit score really bad,
Consumer complaint received 2016-04-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (MN)

I was unable to make payments on my {$16000.00} private loan through Chase for several months. They are refusing to allow me an affordable payment plan. I am now in a financial position to make meager payments but because my loan is in default, they are demanding full payment or " deal with the consequences ''. They will not inform me of such consequences, refuse to set up a payment plan, and are threatening to go after my consigner. I am petrified of the repercussions I could face as a result of a private loan default.
Consumer complaint received 2015-09-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (IL)

I have been using Chase Freedom credit card since XX/XX/XXXX. However, my transaction on existing magnetic tape card ( without the chip ) was declined XX/XX/XXXX and was given the reason that I needed to use the chip enabled card which i have n't received from Chase neither have I received any communication for the closure of existing card. 

There are two points which I would like to highlight:1 ) When i called the chase customer service XX/XX/XXXX, I was told that I activated the new chip enabled card XX/XX/XXXX. However, i have not done that and which was later acknowledged by another customer service representative. I asked to formally lodge a complaint against why i was provided wrong information which was declined and was told a letter will be sent to me stating my existing card has been XXXX and I would not be able to make transaction when i use the new chip enabled card2 ) Until and unless I receive the new chip enabled card, how am I suppose to use the new card which should have been verified by Chase before declining transactions on my existing card? 

I was embarrassed today morning when i tried using my existing card which got declined and could not shop as i just had Chase Freedom card with me. 

I do understand the enhanced security function of chip enabled card but the customer be notified and consumer should have verified the receipt of the new before implicitly declining transactions. 

I would urge CFPB to look into it and take appropriate action against banks to implement the new chip technology in proper method where the consumer does n't suffer.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc. (MI)

XXXX and Nelnet consistently refused and steered me away from Pay as You Earn and Revised Pay as you Earn programs and instead steered me toward multiple, consecutive forbearances from XX/XX/XXXX to XX/XX/XXXX. They sited error after error and continue to deny my application and forced me into forbearance repeatedly, adding a fee of {$1000.00} to my loan for each forbearance. In XXXX XXXX sold my loan to Nelnet who continues to deny my application and steer me towards yet another forbearance. My last application for REPAYE through Nelnet was in XX/XX/XXXX, they denied my last application because they said they did not like my pay stub because it does not show pay frequency and they said I also did not qualify because by paying early, I did not make 3 consecutive payments on time. They suggested another forbearance. 

I am trying to avoid foreclosure and bankruptcy and protect my family. I just want my REPAYE application approved so that I can start paying my student loan without losing our home and my sanity.
Consumer complaint received 2015-08-17
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (NJ)

I have a credit card with Chase Bank. I set up automatic payment of full balance online. However, on XXXX XXXX, 2015, Chase Bank only debited my checking account for the minimum payment instead of full payment. I found out the mistake on XXXX XXXX, 2015. I paid the balance off immediately and notified Chase bank the mistake. 

Chase bank has charged me {$14.00} interest for six days for {$1000.00} balance. I informed Chase that it was its mistake not debited full amount of balance. I had more than sufficient fund in my checking account, and I had no reason not to pay the full balance. Nonetheless, Chase has refused to refund the interest it charged me in XXXX, 2015 and continued to charge me interest in XXXX, 2015.
Consumer complaint received 2016-06-02
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (GA)

On XXXX XXXX, XXXX a representative from Chase had pulled all XXXX credit bureau without my permission, and I had an associate and a supervisor to inform me that Chase has that right within their Terms and Conditions. However, Chase 's terms and conditions does states that Chase does has the right to pull all XXXX credit bureau. On the other hand, the terms and conditions do state that Chase must provide me with the credit bureau 's name, address, and phone number to which Chase is obtaining my credit score. Chase sent a letter on XXXX XXXX, XXXX only requesting to pull from XXXX and not from XXXX and XXXX. Thus, on XXXX XXXX, XXXX the credit inquiry for XXXX is perfectly fine ; however, I would like the inquiries for XXXX and XXXX to be removed from my credit report as a hard and soft inquiry. In addition, I tried to explain to XXXX XXXX with Chase that this wrong on the part of Chase, and Chase should honor their terms and conditions. Because Chase used the terms and conditions to explain to me about obtaining all three credit bureaus, but once I pointed out that their terms and conditions do state that Chase must provided me with all credit bureaus are pulling my credit score. Furthermore, XXXX XXXX with Chase is going to say " if Chase request to have inquiries removed from XXXX and XXXX that my Credit Limit would be lowered. '' Now, how is you threaten my credit limit for the Chase XXXX Credit Card when XXXX has the highest credit score in the first place. In addition, Chase sends a letter stating the inquiry process was invalid, and I still requested from XXXX XXXX to remove inquiries based on their research. Yet, again XXXX XXXX refuses to remove the inquiries from XXXX and XXXX ; however, The Georgia XXXX XXXX XXXX and as a letter from XXXX say that a consumer reporting agency must provide me with all credit bureaus to which they are trying to obtain my credit score. Thus, I am requesting to have the hard and soft inquiries from XXXX and XXXX, and to keep my credit limit at {$4500.00}.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (UT)

i paid a company XXXX on XXXX and XXXX on XXXX with my slate visa card.the merchant name was ap industries which was also operating as XXXX.when i realized i had been defrauded i contacted my slate visa card to dispute the transactions and was told it was to late.my slate visa would not even consider helping me.i repeatedly told them i received no services at all.there must be something that can be done.
Consumer complaint received 2015-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CO)

I was owed {$1300.00} from Loancare for an escrow payout. The first check I received they placed a stop payment on and I was charged {$15.00} by my bank. They now owe me {$1300.00} dollars. They continually send my check to the incorrect address, misspell my name on the check, make the check out for the incorrect amount. This has been going on for over 2 months. Their customer service is nonexistent. I have never experienced anything like this that has compelled me to file a complaint.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (OR)

Chase Bank is reporting inaccurate information regarding the date of last payment to XXXX ( Report XXXX, dated XXXX XXXX, 2016 ) and XXXX on XXXX accounts ( XXXX ) and ( XXXX ). The date of last payment is showing as XXXX 2016 ; however, the actual date is XXXX or XXXX 2016, according to my recollection. 
On XXXX XXXX, 2016, I called Chase to discuss the XXXX accounts, at XXXX XXXX XXXX XXXX XXXX, the number on my XXXX report. I spoke with XXXX ( no id number ), who transferred me to ( XXXX XXXX XXXX XXXX. 
I spoke with XXXX XXXX XXXX XXXX regarding this matter. She stated Chase is no longer reporting ; however, I advised that their prior reporting from XXXX is still showing on my credit reports. 
XXXX stated they could send an " update '' asking the credit reporting agencies to check the agencies ' own records to see if they were reporting the date of last payment correct. I advised that would not accomplish anything, as I had disputed this previously directly with the credit bureaus unsuccessfully. 
I asked if Chase could check their own records to see what date of last payment they had in their own statement records of the account, and they refused to do so, stating that the records had been provided to XXXX and I would have to contact XXXX. 
Either Chase has these records, but refuses to confirm the information internally ; or Chase is continuing to report information despite having no documents to support the information. 
I also spoke with XXXX, supervisor, Chase XXXX XXXX XXXX, who reiterated the same information that XXXX had stated. The connection was very bad and he stated he could not hear me. I advised I would file this complaint.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (KS)

When booking a flight on Southwest Airlines an offer was available to open a Chase Southwest Rapid Rewards credit card to purchase the tickets. It showed the amount of my ticket purchase and said I would receive a {$200.00} credit on my first statement. I opened the credit card and purchased the tickets. When I received my statement it showed the amount of my ticket purchase and the {$200.00} credit BUT it also had a {$99.00} Annual Membership Fee. The Annual Membership Fee was not disclosed transparently in the information first seen by me the consumer. I was told by a manager named XXXX at Chase that the Annual Membership fee is disclosed later ( obviously in the fine print disclosure ). I am disappointed that Chase is not following the transparency regulation and is sticking the annual fee to customers on the back end instead of showing it in the enticing advertising when consumers are booking/purchasing airline tickets. I want to be credited for the {$99.00} annual membership fee.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

Around XXXX of XX/XX/XXXX we were 2 months behind on our mortgage payments. We were told that we could apply for a modification and so that 's what we did. After being told we qualified for {$70.00} less on our normal payments for 3 months, we were also told to not make a payment until XXXX XX/XX/XXXX. Under this plan we would be protected from foreclosure. We were then told after these 3 months, if we paid on time there was a possibility it could be lowered more and become permanent. While {$70.00} was n't going to help us very much, we decided to accept this trial period in hopes of further help in the future. However, what we did n't know was that we would also be accumulating unpaid months and after our trial period was up we would be further behind and in worse shape than ever. We now are 6 months behind because of this so called " help '' we received. I do n't see how this was supposed to help us at all. We did everything were told to do only to find later that it has hurt us beyond help. We are now concerned about losing our home to foreclosure.
Consumer complaint received 2016-05-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AC AutoPay LLC, Denver, CO Branch (CA)

I applied for a refinanced car loan via AutoPay company. I was approved on XX/XX/XXXX and signed loan docs on XX/XX/XXXX. After signing I continue try contact the Representative that assisted me for the status o of my loan pay off. When I could not reach the Rep that assisted, I requested to speak with a Supervisor and I was informed that the Lender was behind in funding. I contacted the Lender XXXX on XX/XX/XXXX to actually find out if my loan was funded and I was informed the check was sent to AutoPay. During this time I was still contacting the Supervisor XXXX XXXX to find out when my loan will be paid off. 
I received an e-mail from the Rep for AutoPay that I need to pay my downpayment before my current loan is paid off and I need to give my credit card/checking account over the phone ... I contacted the XXXX XXXX and stated that I preferred paying my downpayment thru a secure website. I was told that I had to do it over the phone before the pa pay off check is sent ... I stated that I do not feel comfortable. XXXX XXXX stated he would send me overnight label for XXXX on the same day we spoke XX/XX/XXXX. He did not send the label until I spoke to another Supervisor on XX/XX/XXXX and it was a two day delivery for XXXX. 
My check for the downpayment will not reach AutoPay until XXXX XXXX, XXXX XXXX and my current loan payment is already late. When I spoke to XXXX and asked about the 2 day label ... I reminded him that I have to do a survey and due to the unpleasant treatment I do not have any nice comments. XXXX commented by saying if he sent me an overnight label would I change my comments. He was very unprofessional.
Consumer complaint received 2015-06-08
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Modified first loan with XXXX. I was told they would then modify my XXXX. XXXX sold the XXXX mortgage to Green Tree which now demands full payment of XXXX mortgage. Green Tree has entered into a temporary payment plan with us on the XXXX and demand full payment every XXXX months. The payment that we are making is XXXX times higher than the original loan payment.
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

On XXXX/XXXX/15 I authorized a mortgage payment over the phone to XXXX for {$650.00}. I had an electronic payment scheduled to them on XXXX/XXXX/15. Due to my mistake I thought I cancelled the electronic payment but it was n't cancelled. XXXX received XXXX mortgage payments from me and should have only received XXXX the phone authorization.I have been attempting to get the one for {$650.00} returned. On XXXX/XXXX/15 at XXXX central timeI faxed the information I was instructed to fax to a supervisor name XXXX. I was told to call Tuesday XXXX/XXXX/15 to checkthe status. As of XXXX/XXXX/15 I have yet been able to get a reply. I have called 3 times a day since XXXX refaxed the documents to XXXX XXXX/XXXX/15 XXXX On XXXX/XXXX/15 on my XXXX call of the day I was told they needed a letter from my bank stating the XXXX payments were paid and would not be returned by the bank for insufficient funds. The letter was faxed from the XXXX branch manager stating this and payment to XXXX was cleared and paid. This was faxed to XXXX at XXXX pm on XXXX/XXXX/15. I called 3 times today XXXX/XXXX/15 and each time all customer service did was continue to send emails to the supervisor on my behalf asking the status of the payment being returned to me.She does not respond and has n't since this ordeal started.
Consumer complaint received 2017-02-18
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PDQ Services, Inc. (GA)

I have been in previous communication with PDQ Services, a debt collector located in XXXX, GA, regarding a balance that the company claims I owe to a medical office, XXXX. Despite my disputing the validity of this balance and submitting substantiating documentation, a record of it has been placed on my credit reports. 

I visited XXXX on XXXX/XXXX/2014, at which time I was assessed total charges of {$1300.00}. Credits/adjustments totaling {$650.00} ( mostly from medical insurance discounts and benefits ) were issued on XXXX/XXXX/2014, with one additional credit of {$3.00} issued on XXXX/XXXX/2014. This left a balance of {$660.00} payable to your client, as documented on the statement from XXXX and provided to PDQ. This same balance was transferred to PDQ on XXXX/XXXX/2014, as documented by the same statement. This amount was paid via a mailed check, which cleared my bank on XXXX/XXXX/2014. PDQ claims that a balance is still owed, yet thus far has been unable to validate or even produce any documentation of it. As such, PDQ is in possible violation of the FDCPA. 

I will attach my billing statement from XXXX, which details all of the actions described above. I will also attach a copy of my XXXX 2014 bank statement from XXXX, which shows a payment of {$660.00} to XXXX that cleared the bank on XXXX/XXXX/2014.