davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CBE Group, Inc. (NJ)

I received a phone call from The CBE Group on XXXX/XXXX/2015 and this collection agency informed that they are collecting for a XXXX account in which I had removed off of all my credit reports to due ID Fraud. I told the collection agent that they are trying to collect on a debt that was created against me without my consent orknowlege. I told this young lady that I have a police report and FTC Affidavit that I have sent this to XXXX directly as well as the XXXX credit bureaus. She said that is impossible basically saying that people tell them all the time that the debt is n't there.s and basically we asked them to prove or pay. I hung up with her stating to check with XXXX because this account is no more and I am not liable for it. I have attached the same police report that was given to XXXX and he FTC Report.
Consumer complaint received 2017-01-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

original date of plus loan XX/XX/2007. paid for many years. I am a XXXX with limited income. I have called and spoke to several customer service agents. loan as been deferred many times. it seems like they like when I do that. the accrued interest on the loan is the same as the loan itself. when XXXX sold to navient, consumers do not have a clear print out of how much money you paid. its an upward climb. and the interest rate is so high. there is no one at Navient that can really advise you to help pay this loan, or write off some of it so you can set realistic payment plan.
Consumer complaint received 2016-04-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MN)

Good morning, I applied for and received a total XXXX discharge for student loans. Basically, some medical conditions got worse instead of better. NAVIENT called ( several times daily ) and said I have XXXX ' signature loans not covered by the discharge. Together the XXXX ' loans total nearly {$14000.00}. I 'm lucky to have {$14.00} much less the larger total. There are MANY problems that make me doubt these loans even exist. 
THEY ARE : -- The Navient website strongly seems designed to confuse the user ( student? ). It is not at all clear what is owed, or not. 
-- Both loans indicate consignors. One of the cosigners listed is a person about XXXX and has XXXX. 
-- I answered the phone twice from Navient ; they call 2 to 3 times a day at least. They act as if they do not hear people, and keep pressing for full payment ( s ), on loans that may not exist. 
-- They mention or skim over loan assistance, but never go into detail. Navient describes how XXXX does not affect these loan types. By seen evidence, it at least can have an effect. 
-- XXXX of the loans is structured so the interest now nearly totals the principal. I am not sure I an legally prove I would never want a loan where the interest rate would make the XXXX proud, but there is 'no way ' I ever approved this. 
-- I asked for written documentation, which Navient said they would send me ; I have not received this information. ALSO any electronic signatures should have a physical signature 'backing ' it, from some point in the process. I need to see that physical signature to believe ( at least ) I am not being scammed. SINCE : It is hard to think someone may have taken my identity to get money, but these loans do not vaguely match anything I would ever do. And I do not recall them at all. 
-- SO ; even assuming these loans are real, and that is not validated, I hope to get some assistance. I want to get proof of these loans ; that includes physical signatures I have made per these loans. 
-- If I had money to give these guys, I might do it just to get rid of them, but I do n't. I could maybe come up with {$100.00} a month which would also mean eliminating a supplement insurance policy. Which would also mean skipping XXXX, so not the favorite of plans, Please assist me with this issue. XXXX XXXX
Consumer complaint received 2016-05-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Sullivan & Terranova (OR)

Sullivan & Terranova and XXXX are continuing to threaten to garnish my accounts on a fraudulent Judgement. 
I received a letter in XX/XX/XXXX from Sullivan & Terranova demanding payment on a Judgement that I did n't even know existed, I had no knowledge of this Judgment, and XXXX with Sullivan & Terranova was the one to send me the letter. I contacted XXXX to find out more information ; it was then that he informed me that there was a judgment against me in California in XXXX. I explained to him this was the first time I was informed and asked who the company was that was claiming this debt against me, I explained to XXXX that I never had knowledge of this claim since it was never on my credit report nor had I received any letters to give me an opportunity to dispute the debt as I learned after calling and speaking with XXXX bank to get more information, It was then that I learned that this credit card debt they were claiming I owed was in fact a fraudulent account and this was not my debt. XXXX Bank told me they had no records nor any contracts for this claimed debt signed by me, XXXX bank informed me they sold the fraudulent account to XXXX. 
Sullivan & Terranova continues to ignore that fact that, this is a fraudulent claim and continues to threaten Garnishments and demanding payment. 
Recap, a fraudulent credit card debt placed for a judgement in XX/XX/XXXX, I was NEVER notified to be given the chance to dispute, account was never opened or signed any contracts by me. 
Sullivan & Terranova ignore this and continue to threaten garnishment.
Consumer complaint received 2016-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

I finished XXXX XX/XX/XXXX. I XXXX for forty years. Why am I not eligible for debt forgiveness? Because my loan is beforeXX/XX/XXXX!!! How ridiculous is that?!! XXXX University ONLY offered XXXX XXXX at that time. I retired and still owe approximately {$11000.00}. 
Recently, Navient lowered my monthly payment, but that just extends the time and ads on LOADS of extra interest. 
Please advise.
Consumer complaint received 2015-08-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

Navient automatically deducted {$230.00} from my Grandmother 's bank account on XXXX/XXXX/2015. My Grandmother never received a bill or notice that this deduction was to take place and neither did I. Her card was set up for automatic debit only for the approved $ XXXX/month. She called to have her card removed and the charge refunded and they refused. My expected monthly payment is {$390.00} on just over {$20000.00} in loans with Navient. Meanwhile, I have $ XXXX/mo due from other lenders ( XXXX XXXX, XXXX ). I do not think its fair to be expected to pay {$850.00} a month in student loans. You would have to Net over 60K in order to afford payments like that. I make $ XXXX/month.
Consumer complaint received 2017-01-31
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

My bank sent a payment to Navient for the amount of {$350.00} on XX/XX/XXXX The payment posted to my Navient account on XX/XX/XXXX The remainder of the amount due was paid on XX/XX/XXXX to the amount of {$490.00} $ XXXX+ $ XXXX= {$840.00} That number represents my total monthly payment. Navient has again failed to properly process my payments and is now threatening me with late fees, deliquency and default. They were paid in full. They are incompetent and incapable of properly handling payment and accurately recording payments.
Consumer complaint received 2016-11-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (SC)

A repayment agreement was entered into with Navient for all private student loans. Payments have been drafted by Navient monthly from our bank account and all payments have been timely. Despite the agreement and receipt of payments, Navient has continued to harrass me and my husband ( a co-signor ) indicating that the loans are past due. They have also continued to apply late fees to the accounts and reporting them as delinquent to credit bureaus. I 've asked Navient on numerous occasions to correct this and they have failed to do so. 

Additionally, I have been awarded Social Security XXXX and notified Navient of such. Although I have sent them the award from Social Security, they are still requiring a physician statement. My physician will not complete the statement because he feels that the finding of permanent and total XXXX by Social Security is sufficient. Navient has refused to adjust my loans under total XXXX discharge guidelines. My student loans payments are substantially more than my monthly XXXX benefits of {$1500.00} per month. There is no way I can repay the loans.
Consumer complaint received 2017-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

I have a XXXX degree and significant student loan debt. I am currently working with XXXX different lenders. I keep records, and I pay on time. While my balances are decreasing with XXXX of the XXXX companies, I am baffled by what I consistently see on my statements and the lack of progress that occurs with my Navient loans. The allocation of principal vs interest to each loan makes no sense. The lack of transparency and progress towards paying down loans with this company makes me fairly certain that fraud is occurring with this company. I have years of records and am happy to provide whatever is necessary to properly investigate this company and situation.
Consumer complaint received 2016-08-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Selene Finance LP (NY)

Selene Finance is committing mail fraud. I informed you prior that this company changed my address and claim they did it to send all correspondence to my lawyer. I informed them I am no longer being represented by an atty, yet they continue to send my mail to him. They also said they needed something in writing, therefore I sent them correspondence informing them I am no longer being represented, yet they claim they did not receive it. Attached is the USPS info letting me know it was received on XXXX XXXX, 2016 at XXXX. The letter should have been signed for, per my post office mailing instructions. I have contacted the postal service to find out why no signature was listed and no return receipt mailed to me. I plan to pursue Selene with legal charges if they do not cease from sending my mail to another address. I believe they are doing this to Foreclose on my home without serving me notice and giving me due process.
Consumer complaint received 2015-04-05
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (CA)

I have a Chase credit card with a reward program. I have accumulated XXXX rewards points on my account which worth cash amount of {$340.00}. But when I was trying to redeem the cash, Chase took away all my points without any notice in advance, and refuse to redeem any cash for me.
Consumer complaint received 2016-08-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (AZ)

Re : Chase Bank / Unlawful Credit Card Debt Collection Practices. Due to a loophole through the court system and a Chase bank credit card charge-off in 2009 for {$6400.00}, I have been issued a wage garnishment now totaling {$14000.00} through a debt company XXXX XXXX. After a long effort to prove unlawful judgements, deceptive affidavits, debt flipping and AZ interest rate violations, my motions to vacate the case have been denied. 
XXXX XXXX had failed to provide acceptable documentation and disclosures of debt ownership but it was disregarded and/ or ignored by the courts. Also, some spreadsheets provided by XXXX resemble " robo-signed '' copies of uncollectable debt transfers. The '' so-called debt '' was passed along through various debt collectors through incomplete bills of sale. 
I have also been affected by inaccurate and duplicate debt accounts by credit reporting agencies. This has affected my ability to obtain credit, financing and possible employment in the past years. Collection Information about the debt left an impossible burden of challenging the errors. Now, the {$500.00} a month garnishment has also caused financial hardship. 
The successful debt collection lawsuit against Chase bank proves wrongdoing by XXXX XXXX, debt buyers and the bank. The repeating many times over of resale of debt, often for pennies on the dollar, is excessive. 
I will include in this complaint, various court documentation, unsuccessful debt verification and credit report documentation. If any other documentation is needed, I can supply this on demand.
Consumer complaint received 2015-09-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

I contacted my bank about what I believe to be fraudulent activity on my account that I recently noticed. The banker is stating that they are unwilling to do their do diligence to investigate this matter further. They actually notified me of a security breach back in XXXX 2013 however the are unwilling to investigate that breach. Furthermore, the representative stated my banking is my responsibility. I believe my banking is the responsibility of the institution where my money is placed. Especially if my money is supposed to be backed by FDIC. The representative also stated that there are times when there are things they as a banking institution overlook. That does not sit well with me and I believe if there was something overlooked it is their responsibility to investigate what they stated was a security breach and possible fraudulent activity. The representatives I spoke to were XXXX, XXXX, and XXXX. They are unwilling to investigate because they claim I logged into my account and that I should have reported it sooner. However, they all stated I have a two year window in which to report fraudulent activity and they refuse to honor their own verbal and written agreement. Additionally, I stated that I did not want to get into my own personal/medically history but that their are reasons ( medically/personally ) why the charges may have been overlooked on my end. I but my trust in the institution where I bank to honor their agreement to keep my money safe. I do not feel safe with an institution that will not investigate fraudulent activity.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (NY)

I am on the REPAYE program but my servicer, NELNET, has formulated it so that the first 12 months are {$220.00} and then my payments balloon to {$650.00} a month until it is paid off, no matter my income. I can not afford this. And the only other options that allow me to pay less are NELNET 's program, which will incur a larger amount paid in interest over the life of the loan. 

The REPAYE program is quoted to be 20 years for XXXX loans, but NELNET has told me that my payments do n't take 20 years and can not explain why I 've been put on this particular schedule. 

Further, they will not give me a spreadsheet that itemizes my payments, interest vs principle payments, and note the interest paid by the Dept of Edu by way of the REPAYE plan 's feature.
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CO)

I opened a Chase XXXX Business Checking account with a coupon to receive a {$500.00} bonus when you deposit {$500.00} and maintain a balance of at least {$500.00} for 60 days. I deposited {$500.00}, waited 60 days and saw no bonus. I sent a secure message through chase online and got a response saying : 1 ) the original {$500.00} needed to be in " new '' money, 2 ) I should talk to the bank who could offer an exception to grant me the bonus as the original banker had promised. Firstly, the banker, who opened the account for me, told me at the time that I would get the {$500.00} bonus if I deposited the {$500.00} to open the account, he did not tell me the {$500.00} deposit had to be " new '' money. Thus, in front of him, I deposited {$500.00} to open the new account with other Chase money, not " new '' money. So I called the bank and the manager said her marketing manager would not honor the bonus as previously promised by the banker. I had just deposited {$600.00} in " new '' money to the account as a sign of good faith but the manager still said no to the bonus. I have been mislead and now seeking the {$500.00} bonus as originally promised. 

Thanks.
Consumer complaint received 2015-10-11
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (VA)

At the end of XXXX, 2015, my XXXX son moved from our home XXXX. I gave him my AARP Chase credit card to use in case of emergency. It had about {$800.00}. credit left on a {$4800.00}. limit. In the next few months, my son used the card until it was almost {$2000.00}. over limit. Chase approved all these purchases. When I called and then wrote them to complain, they replied that the overages were my fault because I had given my son permission to use the card. They said the issue was between me and my son and that I owed all charges and interest. I think that I made a bad decision in giving my son the card and I know that he acted irresponsibly. He and I are working through that situation. However, that is not the crux of the matter. I am questioning WHY Chase continually approved charges over my credit limit. At about this time, Chase had sent me information XXXX attached ) asking if I wanted to raise my credit limit. I never said yes. I believed that a limit meant a final boundary. XXXX My XXXX card emails me an alert when they reject a charge because I am too near to my limit. ) I am attaching XXXX letters I sent Chase which explain in detail my complaint and the reasoning behind it. I believe that what happened to me may be evidence of the existence of fraud against other consumers.
Consumer complaint received 2015-08-27
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (FL)

I have been working with Chase Bank, since XXXX 2015, in procuring a new mortgage for my home. My mortgage is currently with XXXX XXXX XXXX. My closing was targeted for XXXX XXXX, 2015, and the loan amount is {$100000.00}. It is now XXXX XXXX, and they continue to delay a YES or NO answer to me in regards to the Mortgage. In addition, they continue to contact XXXX for " payoff balances '' at a cost of {$30.00} each time, and my total due now is {$120.00}. They continue to advise they escalating the mortgage to their manager, which takes XXXX days, vs one week Underwriters, however, I do not receive a response, other than people are business, and they can not push their Underwriters. I have sent numerous emails to Chase, asking for the status on a YES or NO answer, and they continue to provide a run around, and continue to give me excuses which does not calculate to the real reason. All I am requesting is a YES or NO answer. I do feel Banks as Chase, give Banks a bad name, and adds to the reason why customers do not trust banks.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Loan # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXXAuthorization was faxed to Chase 3 times - XXXX XXXX, XXXX XXXX and XXXX XXXX. The representative we spoke to today said they ( Chase XXXX still has not sent the authorization to be validated. They can not give a time frame as to when this will be completed. This loan was supposed to have been reconveyed and it seems Chase does n't feel they have any obligation to provide a paper trail as to where the loan is.
Consumer complaint received 2016-10-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

Chase closed XXXX of my accounts and stated they had a right to close any account for any reason or no reason. The funds from the account and fees assessed upon closure in the amount of {$370.00}, have never been received or cashed. Chase continued to assess fees to another account I had and I chose to close the relationship with Chase and closed the account at a bank branch on XX/XX/XXXX2016. See attachment. Afterwards Chase has continued to process transactions on the account and has assessed further fees in the amount of {$200.00}, in addition to the {$34.00} fee which caused me to close the account. See Attachments.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2022, someone attempted to open an account with Wells Fargo using my personal information. The bank declined the application as they could not properly identify me with the information provided. Wells Fargo reported the hard pull to XXXX on XX/XX/XXXX. I contacted Wells Fargo, and they are investigating the situation. I have also, contacted the three reporting agencies as of today and placed freeze on all accounts. I'm not sure what else I need to do to protect my personal information or correct this fraudulent act from happening again. Please let me know, if I need to get a police report as I'm not sure if that is necessary. I do not have any accounts with Wells Fargo at this time and would like any fraudulent pulls removed from all of the reporting agencies that may have been affected. 

Thank you,
Consumer complaint received 2015-11-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

Was denied a purchase using my debit card. No notification was sent to my phone nor was any notification posted to my online account. The debit card transaction was at a store that I frequently purchase goods, 3 times in the previous two weeks. When I called Chase they indicated that they froze the account because they needed to verify a charge. If such urgent action is needed to verify potential fraud, then I should be notified and not inconvenienced of having my transaction denied and wasting an hour of my time shopping but coming home empty handed.