davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-04
Product: Consumer Loan — Title loan
Issue: Payment to acct not credited — 
Company: Sportsman's Credit, LLC (LA)

Lender Sportsman 's Credit, LLC agreed to drop my payment to {$350.00} due to me having to pay the IRS every month. I have been paying {$350.00} for almost an year know. Well lender XXXX XXXX had a real bad attitude on XX/XX/2016 and told me I have been paying partial payment and that I 'm {$1800.00} dollars in late fees. I did n't know anything about this. He also got mad and told me he did n't want my tragedy XXXX car and to go ahead and file bankruptcy like my friend did which I did n't not know.
Consumer complaint received 2016-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (PA)

Ive been working with a company called AES to help with my student loan paymebts to keep them current. I understand that my {$85.00} a month isnt going to make a dent in my XXXX student losn debt but i just found out that money hasnt even been applied to the loan then they offered me a student debt forgiveness program {$40.00} a month instead of {$85.00} and after 20 years of these payments the remainder of my debt will be forgiven?? Why cant i pay {$85.00} and make it 10 years or {$160.00} and make it 5 years why do i need that debt hanging over my head for 20 years when i couldnt even get a job paying XXXX a year???
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

Over 10 years ago my wife and I obtained a mortgage for our first house. Sun Trust administers our mortgage. We have a first and second mortgage. The first mortgage is 7.75 % and the second mortgage is 9 %. We have repeatedly over the years attempted to refinance this mortgage, but Sun Trust has stonewalled and frustrated the process at every turn. Even when we go to our local Sun Trust branch the teller and local reps always ask have we considered refinance. Our response is yes we have. The response is yes only to later hear that some policy at corporate prevents the refined. In 10 plus years we have never been late with a payment. We are seeking assistance in getting Sun Trust to work with its customers in getting a more reasonable and fair interest rate. My wife and I welcome your assistance. Sincerely XXXX
Consumer complaint received 2015-10-21
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Account Brokers Inc. (CO)

The representative from the agency named XXXX called me at work and told me that she had spoken with her legal dept and they were preparing a warrant for my arrest if the debt was not paid. I had already shown up in Court for a contempt citation and it was set out for 2 weeks. This threat was before the 2 weeks were even up. I had an attorney present when I returned her call and he heard the same comment and informed her this was illegal. She then put her manger on the phone who spoke with the atty that then explained to the manager the legality of her comments.
Consumer complaint received 2016-02-01
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: INVESTORS BANK (NJ)

Investors Bank, XXXX XXXX, XXXX NJ has continued to mail banking statements, XXXX Tax forms - to a former address despite my repeated requests. 
I have called their customer service line. I have met with the branch manager. I have met with the assistant branch manager. They have copied my license three times in the past seven months and assured me that they have corrected it ; yet they continue to send banking statements to an address that has been invalid for 2 years.
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

I submitted a complaint to this agency thinking that my problem would eventually be resolved, on XXXX. The case number is XXXX. The results are pathetic. The defendant is emboldened, still has NEVER responded to my original certified letter, when the interest charges were {$18.00} approx ... Now they are adding approx {$43.00} a month to this 0 % paid in full account, to a grand total of {$510.00}!!!! How is this criminal behaviour allowed to go on? You are supposed to be " protecting " the consumer from these criminal banking thieves, aka, CHASE .... Please do your job and rectify this travesty of justice ... .. they keep on laughing and laughing while the govt pretends to be helpful! I would be shocked if someone actually called me and told me that Chase has been found GUILTY of misleading, bait and switch, deception, and down right lies, and last but not least CLEAR VIOLATION OF TRUTH AND LENDING LAWS!
Consumer complaint received 2017-02-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

Update as of XX/XX/2017 : Hello..Today is XX/XX/2017 My Checking account by Chase Bank in XXXX California Has Inaccurate Charged and Fee of {$520.00} as XX/XX/2017 told me it was an Over draft fee for a transaction which is Incorrect! I disputed this charge and Still No Resolution. They took my whole Check with I receive from Social Security. I filed a claim XXXX regarding this error plus mistake that Chase Bank made on my checking account and I disagree with their response cornering my claim..Please keep in mind when I 1st Initiate This Dispute and Claim ... My account never was able to withdraw but 1 time Treasury Department and from my Social Security check, Which I have XXXX checks comes in monthly from Social Security and My Payday Loan from online company that I do business with. Chase Bank had my changed only debit card was changed.Basically Checking Account is still The same. Chase Bank stated I went to ATM and did a a transaction..By this it make it seems that I withdraw this particular amount {$480.00} from my account. I withdraw from my new card which Chase Bank deposited into my account from my dispute claim. I never withdraw my XXXX check from Social Security Check only withdraw my XXXX check in amount {$520.00} from my old debit card from Chase bank. This my Complaint with Chase Bank. They Treated me very Unfairly they Took my check on XX/XX/XXXX time XXXX California time zone when I called my Debit Card saying my account was negative {$520.00} and took my money when it posted from my Social Security Check. This is my Living expense income This how I pay for my monthly and This has Caused a me a Hardship crisis. As of XX/XX/XXXX-XX/XX/2017 Chase Bank Claims Department Contacted me her name was XXXX and Left me ... A massage stated they still denied my claim for refund of my money! and I spoke to XXXX on XXXX about XXXX and still claiming there was no erroron There part with My Checking account. I say they are not being honest and covering up for their mistake on my Account ... And took my check. Key point here.. Chase Bank # 1st Never Change my account number When this Issue 1st started with my claim for Social Security check on The XXXX of The Month which postes after midnight but I received myXXXX check # XXXX. Chase replacement debit card only which chase posted days later {$480.00} from The complaint I made to Claims department. On The same account which I complaint about. There focus was ... Its a chip card.
Consumer complaint received 2015-04-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (GA)

Chase markets a " Slate '' card with a no fee balance transfer and 0 % APR for 15 months. This is found via XXXX. Chase 's online application process walks you through steps that include a request for balance transfer. Chase 's process is to bait the consumer with a rate/fee available, to then take information for purposes of a credit check, then to step the consumer through a process of obtaining the card, and only then AFTER the card has been issued, to inform the consumer that they do not in fact qualify for the " premium '' pricing that is marketed for the card. In other words, Chase 's online process does not permit the consumer an option to decide whether to accept the card, given the actual pricing, before the card issues. I called Chase immediately and registered this concern, and they cancelled the account without charge. Nevertheless, this impacts my credit report and is deceptive marketing.
Consumer complaint received 2015-04-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NV)

I refinanced my loan with Chase to a new loan at a XXXX reducing theXXXX year fixed FHA loan to a XXXX year loan. The process went smoothly with the credit union but when XXXX XXXX XXXX XXXX sent the wire to pay off the loan, Chase Mortgage did not communicate with the title company for XXXX days and rejected the wire without anyone knowing. No one called to say we cant pay this off because ... XXXX Now I have XXXX loans and paying interest on XXXX loans. I can not get Chase to help me resolve the matter and title has n't resolved the matter. We are getting late payment notices after they rejected the wire for the loan amount. This is ridiculous and we need something to happen to Chase to make this work.
Consumer complaint received 2016-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (CO)

Student Loans.gov - I have a total of XXXX loans ( lines ). In XX/XX/XXXX - XXXX loans were consolidated with outstanding principal balances. The loans that were consolidated are still showing principal account balances. Nelnet said the loans were transferred to them and they ca n't make any changes. XXXX says they did not do the consolidation. Studentloans.gov says they ca n't help they only house the loans in a database. I attended XXXX XXXX College for on semester XX/XX/XXXX and Nelnet and XXXX show I owe over XXXX dollars for one semester. XXXX College of XXXX worked with me and Identified I owe them XXXX loans and Nelnet and StudentLoans say I owe XXXX loans over XXXX dollars, and XXXX XXXX College is over XXXX dollars. The schools identified there is an error, and studentloans.gov identified there is an error but nobody is changing it. I need help. Who can I call to help me. They are charging me XXXX in school loans. Nelnet is demanding payment but they wo n't correct the errors. They do n't have a promissory note for XX/XX/XXXX or XX/XX/XXXX for the consolidations.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase card services will not return my money or points. 

On XXXX XXXX 2016 Chase credit card services, redeemed XXXX of my points for {$2000.00}, without my authorization. The funds were transferred into an unknown bank account that has never been associated with any of my XXXX chase cards. 

At the same time, a small purchase was flagged as possible fraud, But the redemption of cash went through with no hindrance. 
I contacted chase on XXXX XXXX and was guaranteed that the points would be returned to me within 10 business days and this was an ELEVATED case. 
I called back on XXXX XXXX to check on the status of the points and was met by bewilderment, as if it was the first time calling. However, the case is elevated and I should still receive my points by XXXX XXXX. 
I called again on XXXX XXXX just find out by a supervisor named XXXX, that more time is needed and she has NO idea of what is going on. In fact, she was irritated by my call and frustration. Making me feel that I am the problem. 
I was then told by XXXX that someone would contact me in 7 calendar days.. 

7 days later. ( Today ) I spoke to another supervisor named XXXX, Same stuff different person. They still refuse to give me a time frame and feeding me the same information ( Escalated to fraud ).
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OR)

I work with XXXX on behalf of the seller to help facilitate their short sale. I have uploaded and submitted all the documents needed for this short sale months ago and the investor/Chase is holding this file without any viable update on this file. It has gone from negotiator to negotiator and nobody has any answers. They are stalling the resolution on this file for no good reason.
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

My personal information was stolen and used to open at least XXXX bank accounts and to obtain at least XXXX loans from the below listed companies. Apparently all fraudulent accounts were opened online with no confirmation in person. 
Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All companies were sent 609 ( e ) requested per FTC guideline by certified mail and were delivered no later than XX/XX/2016. None of the companies have responded with the requested information.
Consumer complaint received 2016-07-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

I am a single member LLC. I changed my LLC name slightly, but many of my business fees were still being paid by checks made out to the original name-my name plus LLC ( both the new LLC name & my name our on my business checking acct ). For several years, I never had any trouble depositing these checks to my account, until XXXX, 2016. XXXX XXXX of Chase 's XXXX, IL XXXX, refused to take my deposit, cause of " improper endorsement ''. I had to catch a plane, so I took the deposit back. 
While our of town, my office staff informed me that their payroll checks were denied. I called Chase & was told " my account was frozen. '' No one would tell me the reason. I was told by the bank rep that " our relationship was over. '' After making several inquiries & complaints to the bank, I was told that my account would be unfrozen in one business day. 
Upon my return, I met with XXXX XXXX ( branch mgr ) & XXXX XXXX, business banker. They dealt with me in an accusatory manner, for incorrectly endorsing checks. They stated that their actions were " not a mistake ''. Moreover, the XXXX, IL branch, ( where my billing service deposits checks sent to them on my behalf ) was told not to accept " improperly endorsed '' checks from me & this continued for up to 2 weeks time. The XXXX tellers were apparently told to watch out for me, as they alluded that they were aware I had discussions with the branch mgr .At all Chase branches I have used, I was allowed to make these deposits for years.These actions seriously impacted my cash flow ; caused embarrassment for NSF checks returned to me ; made me obligated to pay NSF fees ; had to pay wire transfer fees to repay my payroll service for covering my employees payroll. 
I had my business account with Chase, as well as XXXX personal accts. & my home mortgage. I am leaving Chase & moving all XXXX accounts out of that bank. 
Holding my hard earned money hostage without any due process is despicable. I have been a good, honest client with this bank for approx. 10 years. I want all of my out of pocket fees covered & I want to see XXXX XXXX & XXXX XXXX fired or reprimanded at the least, with a personal apology letter to me.
Consumer complaint received 2016-11-02
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Blitt and Gaines, P.C. (IL)

I would like to file complaint against Blitt and Gaines PC. This is a third party debit collector. I have a very old debit from 2009. I have proof and documents that I had a payoff and settle agreement with another collector. Blitt and Gaines decided to garnish my wages on the same account. When I recieved notice of the garnishment I submitted proof from the other collector the settlement prior to the court date. Blitt and Gaines advised that they will not except the documents I sent and that if I paid over {$13000.00} to them they will close the account. I told them I dont have {$13000.00} and they told me they were going to go ahead and garnish and there was nothing I could do. Of course I do not know my legal rights and thought that because this stamped paper I had no defense. I then proceed to get multiple calls from other collectors for the same account. One collector advised that they would garnish my wages and I had to send proof. This got me thinking how and why. I called the origional collector and they advised on two seperate occasions that my information can be put back into the system. I called Blitt and Gaines and I guess they have held on to this account for a long time letting it build interest. When I asked why they didnt contact me they said they sent a letter over a year prior which I never recieved. When I asked why they didnt except my proof they acted like they had no idea what I was talking about. When I asked who is collecting the interested they could not give me a answer, when I mentioned I was going to record our call they hung up on me. When I asked for verification they sent me a court paper with some other collector on it, nothing said Blitt and Gaines only the envelope it came in. I found out I can contact court documents and get the same thing, I can also print off a wage garnishment form online as well. I contacted the origional collector XXXX XXXX. I was able tosubmit the proof to them. I got a call the day after I submitted the proof and they advised that this account should be closed. I had a hard time but was able to get to the collector I had the settlement with for a payoff. I submitted this to XXXX and they still havent closed the account. I have now been garnished over {$8000.00} on a settlement of {$2800.00} I also had to pay over {$200.00} in fees. This is extorshion.
Consumer complaint received 2016-11-09
Product: Consumer Loan — Title loan
Issue: Applied for loan/did not receive money — 
Company: PLS GROUP, INC (WI)

I paid my title loan payment to PLS on XX/XX/2016 on XX/XX/2016 I wanted to upgrade my loan and I was informed that they are no longer doing loans and will close ALL the Loan Stores across the country effective XX/XX/2016. 
They have never contacted Consumers who have payday or title loans to explain how we are going to make our payments and they withheld the information concerning the closures when we made our most recent payment. When were they going to tell me or others that will be affected? All payments will be handled over the phone - out of state. Are they required to notify the State of Wisconsin or Consumers of a major change to the way the accounts are being administered? I went to the PLS website and there is no info or any notices about the changes and closures that have been issued or listed. It looks like business as usual but they have known for over 2 weeks. When were they going make an announcement? This is not the way business is supposed to be done and not the way consumers should be treated who are doing active business with the company. 
Please look into this issue for us. 
thank-you
Consumer complaint received 2016-07-20
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: PLS GROUP, INC (IL)

Did not tell me his name. Stated everything was being recorded and would be used against me. Told me if I filed for bankruptcy they would take me to court. Asked to verify the last XXXX of my social security number. Would talk over me as i tried to recall the debt. Would not let me think over the loan. Demanded I pay right now to keep me out of court. When I asked him if he could resend a letter verifying the debt, he told me " the company would not spent one more cent on me. ". Kept talking over me and arguing with me. I hung up the call.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

I tried calling them to get help with my private loan payment cause the amount they looking for me to pay is to high with the other household bills I have. The one person told me that I should n't have gotten a car and paid them but my car was XXXX and i needed a way to get back and forward to work and my kids to school. They are rude and not helpful at all.
Consumer complaint received 2015-07-13
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MS)

I have been trying to negotiate with XXXX XXXX - now NAVIENT - since 2011 to discharge my loans, based on my status as a XXXX person and, based on their standard requirements for discharge - which I have shown them I meet. I have provided ample medical documentation, including doctor 's statements and still, they refuse to discharge. They have not, as yet, put my loans into default. Despite numerous requests, they will not provide me with reasons for their refusal to discharge. There should be some reasonable recourse for me to get them to follow their own rules.
Consumer complaint received 2015-11-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MN)

was getting mortgage to buy a home. loan from navient showed up on credit report. 
says i owe XXXX dollars. they said it was for when i went to XXXX collage in 2005. 
i sent paper work to them showing i did not go there. was then taken off my credit reportwith not that is was not my loan.then when we went to close on house it was back on reportso my mortgage was canceled and didnot close on house.sent paper to navent show that it was removed from credit report and ask how this happened. it now says dispute is resolved and customer does not agree on my credit report. this is all messed up and should be gone. this loan was also listed on my bankruptcy and have been told that since it is a private loan it should have been discharged
Consumer complaint received 2015-04-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (GA)

Student loan co-signer paid off total loan amount of around {$39000.00} for a {$20000.00} initial loan. During the terms of the loan XXXX XXXX, now Navient did not submit loan statements and continue to accumulate interest. Loan no XXXX ( XXXX ) Navient has refused to submit close out papers on the total balance paid at the end of XXXX 2015 for XXXX XXXX XXXX. as a result they tried to start a new loan of which I have not authorized or approved. Now there is no access to the site to review the paid off balance for the total loan. In addition, Navient is trying to add interest of {$1.00} to extend the loan terms past some due date in order to state that the total terms of {$90000.00} is due. Therefore, not only has the original loan extended past the Federal Government Fair Trade Laws for Statue of Limitations of which I am due my {$39000.00} back, but they are refusing to close out the loan paid. This is consumer fraud, and violation of federal laws, and a form of violation of the XXXX statue for loan sharks. Please assist in closing out the account and repayment of my {$39000.00} for contract violations by Navient and XXXX XXXX. Thank you