davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NC)

I would really like to know whynavient did not discuss all the options I had to repay my loans. I am XXXX XXXX XXXX this year and my life is just about over. I survived XXXX and XXXX for 5 years and only to have this worry me. M doctor has warned me that the XXXX will bring a onset of XXXX which is not good. I survived XXXX for this. If they had told me this long ago instead offering all the deferments and forbearance my loan would have been 10 years paid on. Now as a XXXX survivor, I have XXXX loans, a lot of threatening email, more than I have got before and I have no options Why was this not discussed with me before. I need to know this. why di they not discuss this with me. why did they just ofer the forbearance and deferment when they called and never try to explain to me how this would affect me years down the road. I want to know why they never offered me any options to manage my loans and now they are making it look like it was my fault.
Consumer complaint received 2016-09-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (DC)

Jefferson Capital System is reporting to all XXXX credit bureaus that I have an account with them which I do n't and that I made a payment to them which I did not which has now updated the account so that it does n't fall off. Is this legal?
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

I have been struggling financially for years to pay my loans. I originally called XXXX XXXX at the time, and was advised that I could either do a deferment or forbearance. But was advised forbearance was the better option. Since then I have continually filed forbearance. I have seen a lot of interest added on to my loans since then, and wonder if I will ever be able to repay all the debt, if at all. My loans originate from going to school at XXXX XXXX, and XXXX XXXX online.
Consumer complaint received 2016-07-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (RI)

In XX/XX/XXXX I requested through XXXX XXXX to lower my payment. I was told that the loan term would be extended out and would remain around $ XXXX monthly. In XXXX XXXX I was notified by the new Servicer, Navient, that my payment was increasing from {$69.00} to {$320.00} a month and that it was not going from interest only to principal and interest. I have been disputing this increase since I was first notified in XX/XX/XXXX. I also asked my cosigner be released as I have been paying timely for about 8 years and only 24 monthly payments are necessary to take off a cosigner. I was told because I was on interest only, I could not take my cosigner off the loan because the payments needed to be full principal and interest which again was never disclosed to me. Navient has sent me letters they are researching the matter but have not sent me anything in writing as to their decision. Finally last month I was advised that they listened to a call from XX/XX/XXXX and it was not clear I was explained the terms properly. On Thursday after being on the phone for an hour an a half they realized I should never have been on interest only but said they can not go back in time and only forward. They will not disclose their findings in writing. They offered to extend the terms of my loan only lowering my payment to {$200.00} a month. If i wanted a rate reduction my cosigner would need to call. He called and I was told they can not reduce me at this time because my expenses are too high. I am once again on a forbearance but interest is continuing to accrue. I was originally told in XX/XX/XXXX my payment would be {$69.00} a month because the terms were being extended out and once again the same thing in XX/XX/XXXX. I can not afford {$320.00} a month or {$200.00} a month and these errors by XXXX XXXX and Navient need to be resolved and my debt reduced.
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

attempted to pay off the highest interest rate and it was never allowed to. i deferred my payments due to being laid off. and the end result was they lowered my payments in deception as to prolong my loans being paid off.
Consumer complaint received 2016-10-12
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (OK)

I contacted Quicken Loans for a home mortgage loan and was quoted an interest rate of 2.99 % with no fees charged by the lender. Even though I could n't tell the Estimated Closing Costs contained a XXXX % origination or points charge, I signed the form anyway. I have complained to Quicken Loans that I was not informed of paying points. I have asked them to produce the recordings of my conversation with their loan officer where he fully explained that I was paying points. They have not provided such confirmation. I must pay it to close but want them investigated for predatory practices. If they do this to me, I 'm sure they do this to numerous individuals. Thank you
Consumer complaint received 2016-01-20
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

Well Chase is at it again. 

This relaters to XXXX of my bank accounts. XXXX ending in XXXX, the other in XXXX. 

On Wed XXXX XXXX at approx XXXX in the XXXX I checked my bank account and noticed a pending overdraw in my XXXX account in the amount of {$27.00}. This is despite the fact that I have overdraft protection which should have covered the overdraft. Perhaps since it was a " pending '' overdraft it had n't kicked in. So TO BE SURE TO AVOID OVERDRAFT OR FEES I got out of bed, put my boots on and walked through the snow to the bank ( at XXXX ) and deposited XXXX dollar to cover the pending overdrawn account. When I got home I checked online and my account was covered, no pending overdraw, no negative. 

My XXXX account was also in the positive. 

So I went to bed sure that I had avoided overdrawing my account. 

When I woke up this morning XXXX XXXX and checked my account online my account XXXX was overdrawn by XXXX which included a late fee. The amounts shown were totally different than they had been the night previous ( ie. the debits were in amounts exceeding what was shown only hours earlier so it was not an accurate reflection of anything in my account ) But even more disturbing, my account ending in XXXX, which only hours earlier was positive with nothing pending, was now overdrawn by {$130.00}. WITH XXXX LATE FEES and balances that bore no resemblance to what my account had shown only hours before. I know as a fact my account was positive only hours before. 



The check for XXXX that had supposedly overdrawn my account on XXXX XXXX had now mysteriously appeared, though I know as a fact that it had not appeared in my account on XXXX XXXX because I was at the atm and online at XXXX on XXXX XXXX checking my account. 

Chase has always had a " pending '' period during which I could cover a pending debit. Not only did this now happen, but transactions appeared a day later than they HAD SUPPOSEDLY POSTED. This is either a glitch or a purposeful way to cheat people. Either way, it 's wrong. 

My online and atm balances were not accurate and there was simply no way for me to responsibly keep my balance positive.. I WAS AT THE BANK AT XXXX to put money in and check my accounts!!! 

I now have XXXX dollars in unfair fees that clearly I ca n't afford. 

Of course Chase wo n't help. 'All my fault ' is all they say But this was not my fault or fair. Check the records and you will see that the information provided to me about my accounts was not accurate. 

1.My overdraft protection did not work right. 
2. Chase 's online and atm balances were not accurate and did not provide information to me to allowed me to monitor my accounts. In fact they were actually deceptive, hiding a transaction and then showing it a day after it had supposedly posted. 
3. But their fees work just fee ... as always.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I went to use my debit card and learned that all of my accounts have been closed. I went to a branch and they confirmed this. Chase bank has given no reason or is willing to reverse the outcome for me. They are saying it will take 7 days for me to get my money back, which, that 's all of my money.
Consumer complaint received 2016-10-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OR)

I contacted Chase Mortgage company to report I would have a difficult time paying my mortgage for that month due to family medical issues. There web site says contact us if you are going to have problems paying your payments so that they can help. When I called I was told there is no program for a person missing one payment and that it would hurt my credit but would not cause me to lose my house if I worked on paying it back. Due to the ongoing medical issue I was unable to make the XX/XX/XXXX payment and I called again, they said they could help once I fill out a packet they were going to send me and that I could lose my home if it 's not paid in 5 months. I got the packet and it was so overwhelming I thought I was buying a house all over again, not user friendly and for a man who 's wife has been in and out of the hospital during the course of this process it was next to impossible for me to get this done when I count on my wife to do this stuff for me when I 'm at work. So I have filled to have a chunk of my retirement released from a XXXX plan, I have since been trying to pay my XX/XX/XXXX mortgage payment and the first time on XX/XX/XXXX they provide a confirmation number and said it would be taken out. After about 5 days and the money not coming out I call to find out what happened and they told me it was returned for NSF but there is no indication of that on my account and the money was in the account, another payment was scheduled with conformation number XXXX, this payment did n't come out I called back and set up another after complaining that I feel my bank is setting me up to lose my home they assured me that 's not the case and that the money would come out XX/XX/XXXX confirmation number XXXX this money still has not come out of our account. I get a letter on XX/XX/XXXX stating that if I do n't pay my outstanding balance by XXXX that they will start the foreclosure process. I 'm doing everything I can to make this right and have tried from the day I found out I would n't be able to pay my mortgage payment, I am a professional who is employed with the same employer for 2 years and make XXXX a year I just need some help for the family issue we had. I owe the money and any penalties that go with that but I need to be able to work something out.
Consumer complaint received 2016-09-14
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

My primary bank is Chase Bank. On XXXX XXXX 2016 I made a " bill pay '' payment to a credit card that was issued by XXXX Bank. The XXXX Bank account had been closed for some time, as the payment was accidentally made to an older account still in my online bill pay records but not purged by me yet. Under normal circumstances the payment would " bounce '' and after a few days or a week, would be credited back to my account since the destination account was invalid. 

This has not happened. I have not received the funds back into my account. After many phone calls to both XXXX Bank and Chase Bank I am unable to get either bank to investigate this issue beyond giving me canned responses that it is n't their problem. XXXX Bank claims that the payment would have been automatically rejected. Chase bank provides me proof that the payment was made and not returned. I have implored them to actually INVESTIGATE the situation because obviously an error has occurred in the system. Neither bank will do so, placing the blame on the other bank. 

I just want my money returned to me.
Consumer complaint received 2020-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NJ)

I write this out to clarify why i am disputing. I dont dispute often at all. i ordered a carpet cleaning on the XXXX asked for ANALYSIS written on the receipt. of what made it dirty. i needed this. i also asked the supervisor for the same info as well. I did not get it. I then called many times week of XXXX with no response. this was needed for legal documentation purposes. i wish 75 credited for the lack of response i got an email with garbage that is useless. and not what i asked for. Had i been told this would be a problem i would not have made the purchase.
Consumer complaint received 2016-11-05
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (IL)

Chase bank held a $ XXXX HELOC on my house when I filed for Chapter XXXX. In the course of the Chapter XXXX the Chase lien was stripped. I am now refinancing my primary loan and received a call from the title insurance company who said they could not verify that Chase has removed the lien. I have since recontacted my attorney and collected the confirming paperwork. My attorney verifies in no uncertain terms that the lien was stripped. Chase has now agreed to a payoff of {$1.00}. So it appears to me that all this time ( about four years ) Chase has held on their books this lien on my property as an asset rather than having done the paperwork to write it off. If this a widespread practice at Chase, and I have no reason to believe it is not, Chase books are overstated and Chase is likely over leveraged. And though the {$1.00} is no big deal, why is it that there is any payoff?
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

Chase did not accept the payment of {$8300.00} that the Florida Hardest Hit program tendered on my behalf in XXXX XXXX. 

I am now making payments ( and my loan is current ) but, by failing to accept the Hardest Hit funds, Chase caused me financial harm. First, I should have over XXXX XXXX dollars off my loan account because Chase should have accepted the funds. Also, the modification was based off a default in the loan payments which the {$8300.00} would have corrected. The Hardest Hit funds would have brought my loan current, and given me the opportunity to avoid fees associated with further default on the loan. 

I only became aware that this money had not been applied to my loan in XXXX XXXX when the legal aid office made an inquiry with Hardest Hit, and Hardest Hit mailed me a letter stating that Chase had rejected the funds. 

I then wrote a letter to Chase 's Research Department ( on XXXX XXXX, XXXX ) to look into why Chase did not apply the Hardest Hit funds to my loan and they have yet to get back to me.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (FL)

I applied online for a Chase XXXX XXXX credit card, at the time I was purchasing a plane ticket on Southwest Airlines. The offer was XXXX bonus miles if I charged {$1000.00} on the credit card within the first 3 months of account opening. I charged {$1000.00} on the credit card in the first 3 months and they only credited XXXX points. I called Chase Bank and they refused to honor the XXXX bonus points.
Consumer complaint received 2016-09-20
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: CITIBANK, N.A. (CA)

I have made multi call to Citifinanical to remove a Lien-holder from my vehicle. I have never taken a loan out on my car, they do not have anything in their computer base states that I have a loan with them! no record of anything except for my Vin #. The company have transfer me over to many department, finally the Lien department still no records on file, but they will not release my vehicle until I have evidence that it pay in full!. I explain to them I have no document for this issues and I have never taken any loan out. I purchase my care in the year 2004, XXXX XXXX XXXX was my lien-holder, I am the only one who own this vehicle when I purchase it. so I went to the D.M.V and they gave me the the paper work that was requested from CitiFinancial. I need help to correct this issues. Attach with this request is my DMV paper work.
Consumer complaint received 2016-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc. (FL)

I received notification XXXX XXXX, 2016 of a collection account with this firm. I filed a complaint because I have never heard of this firm, or the debt listed on my credit report, I was never notified of the debt in writing. On XXXX XXXX, 2016 XXXX from the compliance department called and said they had the wrong address. He agreed to remove the debt from my credit report within 24 hours if I paid. Even though the debt was never verified, I agreed to pay the sum of {$300.00}, and paid with a credit card since the reporting of this collection account has a catastrophic impact on my credit ranking and banking relationships. Within 24 hours the account was removed from XXXX. However, the account was added to XXXX on XXXX/XXXX/16. Voicemails to XXXX at XXXX XXXX XXXX have not been returned.
Consumer complaint received 2016-09-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Knight & Hooper, PLLC (TN)

This debt is not mine. Someone opened a charge account with XXXX over eight years ago in my name and this company has placed a lien on my property. The owner is XXXX XXXX XXXX. I have contacted them and the person to talk to is XXXX XXXX. Her number is XXXX. The total of the debt is {$4500.00}. She is with XXXX and XXXX. They are managing the debt. I will be closing on my home in 30 days and need this removed and the lien taken off immediately. Also, I need it removed from XXXX and XXXX. I have offer them {$2500.00} at closing if they would agree but I really feel that they should just absolve the debt completely. I want you to contact her so you and her can figure out a solution immediately.
Consumer complaint received 2015-10-27
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Neon Newco Corporation (GA)

I was using a Netspend prepaid card. I had reloaded the card and within an hour after loading funds on the card, I noticed that funds had been deducted from my card via text messages, which indicated my balance had changed. 
I contacted the Netspend to report the matter, and after makIng numerous attemps to get someone on the phone, I finally got through to someone in customer service to handle my complaint. 
I explained that I had received text messages indicating that I had noticed unauthorized activity on my card. 
The customer servuce rep., put me on hold while he looked up account activity and told me that there were international transaction that had been made on card. I explained ghat I had not made nor authorized any such transactions. 
The agent explained that a block needed to be put on card immediately. 
I informed the ageng that I needed to withdraw what remaining funds from card and that it was urgent that I do so, because I needed the funds right away. The agent told me my options were : ,that I had an additional card availible or if I knew someone that had a Netspend card who could receive funds for me. 
I did not know anyone with a Netspend card, which I inform the agent taking the call. I asked could the money be sent via XXXX XXXX, or, if I could purchase another card and call thd knew card number in. I was told no, so I ask if I could draw my remaiding funds off card via an ATM since I was near an exit where one was located.The agent agreed that I could withdraw funds from ATM while he was still on the other end of call. I arrived at location and informed represengive that I had arrived. Atfter telling agent I was at location go withdraw funds, he hangs up the phone. I was under the impression that he would stay online until trasaction had completed, this did not occur. The agent had hang up on me prior go my even reaching the teller machine. 
After again making numerous attemps to get someone on the phone and having go repeat my delima over and over, I was told that the card had been blocked and could not be unblocked, even though I was still at location where I could make withdrawal of funds remaining on card.I at this point demanded that card and account be closed and that a check be sent to my residence. At this point I didnt trust continuing any futher relation with Netspend, as I inform customer represenative.I was told it would take 10- 20. business days to get my money.
Consumer complaint received 2016-10-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NJ)

Hello. My daughter went to XXXX, a for-profit school out of XXXX. We were given no financial aid right out of the gate so we took multiple loans in my name ( her mother ) -all Federal in the beginning. The school had defrauded us by saying they will place her in an externship making good money, she made $ XXXX/hr on her XXXX ... not nearly enough to start making payments on the loans. The school told us it had a XXXX % job placement after school. That was also a lie. The school also told us it was accredited. Upon her trying to further her education down the line, it is now known the schools accreditation is lost and her credits are not able to be used as a base for furthering her education. The degree that we continue to pay for is utterly useless as no one accepts these credits. We were looking into Loan Forgiveness from being defrauded by the school, but were told since our Federal Loans were consolidated into private loans and they could not assist-even though the loans originally were federally backed. I have asked about Income Based / Income Sensitive repayment, which works for a time being all the while not touching the total amount due and tacks on interest, etc. and is not a solution by any means. I have extended repayment already and as long as it goes just to get the payment down and even that payment we struggle to meet every month. There needs to be a resolution here and we did n't realize that going to a for-profit school would become this kind of a hassle.
Consumer complaint received 2017-01-25
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MO)

My interest rate has done nothing but go up and I feel I am being taken advantaged of at 12.12 % interest rate. This was for college. Navient has refused on previous attempts to refinance. As a student with no loan knowledge, things were not properly explained. Nor have I received any notification as to why my interest rate keeps rising.