davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

I attended a school called XXXX. At the time i had no XXXX, XXXX diploma or nothing to that sort. They admitted me by claiming i had the relevant paper work. I left the school after only 6 weeks due to how unprofessional they were. I later found out that all the schools had been closed due to them committing fraud which included admitting students who did not have the relevant paper work. 
My credit has always been in the high XXXX to early XXXX. I have never in my life missed a payment on anything. I have only been in the country for 6 years as a permanent resident and am very vigilant and mindful in my credit. 
At the XX/XX/2017 Fed loan reported to the credit bureau that i had missed several payments. I believe they entered XXXX different types of loans and one of the payments they reported was {$1.00}! 
On my side i thought my account was still in deferment. I had also told them i had moved but im assuming the file was not updated. 
I am wondering where i stand with this. I wrote to them to get this loan discharged but have heard nothing to date. 
Are they allowed to report XXXX different entries for XXXX loan AND an amount of {$1.00}! 
They took my credit from XXXX to XXXX for a loan that i should be considered for discharge AND due to mail being sent to my old address. 
Please let me know where i stand. 
Thank you XXXX
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (TX)

SYNCB inquired on my credit report without my permission. I contacted them and asked why they were reporting an inquirie on my credit and they could not give me anything I have ever applied for or signed for with them. I have never signed anything with their bank.
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (FL)

I have XXXX different retail credit cards managed by Synchronicity/GE. All of them with decent limits. I was running balances on all XXXX, with perfect payment history. I paid XXXX of the cards in full and 80 % of the other card. Suddenly, the limit on that card was lowered to {$300.00} with no explanation. The other XXXX limits were then raised. This is fraudulent. How would a bank determine they want to dramatically lower your limit on XXXX card and then drastically raise your limit on the others? When I called, they said they did n't have access to the reason, and that I should be receiving a letter explaining why. I received a letter that in so many words stated they re-evaluated my credit and made the determination. This is unjust and I would like to see some action take to bring my limit back up. Closing these accounts would severely damage my credit that is important to me as it is to all of us. Please help.
Consumer complaint received 2015-08-29
Product: Credit card — 
Issue: Cash advance fee — 
Company: COMMERCE BANK (MO)

The complaint is in regards to a full payment that was made on the same posting day of the amount charged to a credit card account that incurred a debiting transaction initiated by overdraft protection tied to that account. The initial charge was {$100.00} plus a {$10.00} fee for utilizing the overdraft service. The {$100.00} charge was paid back to the credit card account on the same posting day it was debited via direct wire transfer from an account housed at the same institution. As a result the credit card/bank has applied an outstanding finance charge although the balance was not carried over to the next day or accrued in a " daily '' manner. The result of a small finance change appearing on the statement illustrates an interest charge that accrues by the " minute '' pursuant to a cash advance and not one that accrues daily per their Terms of Service. The institution was not without the funds for a period of 24 hours so daily accrual is non-applicable in this situation.
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (CA)

Received multiple offers from Ditech ( who currently holds my mortgage ) for a re-fi at a lower rate. Called them and was approved, received papers, signed and returned. 

No word for several weeks. Contacted again and was told I was denied because there was a " business '' on the property, which was there when we re-financed through XXXX, which got passed on to XXXX XXXX XXXX XXXX XXXX, etc., and then wound up with Ditech. How can they turn me down as they hold the mortgage? I am currently at XXXX % and need a lower rate to continue.
Consumer complaint received 2016-10-06
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: GMA Investments, LLC (ID)

I have been dealing with Summit Receivables for almost a year now. They claim I owe on an online payday loan. I have requested proof of the debt two or three times. I did have some debt so I took their word for it and set up payments. They would only take payments by me giving them my account information and making automatic deductions. Immediately I had issues with them taking payments at times that were not agreed on. I have tried to work with them several different times. I would not set up any more payments with them until I receive proof of debt. As of last month, they attempted to pull funds from my account XXXX different times, even though I have not given them permission to access my account. I have been told different things in regards to proof of debt. At first, they said they do not send anything through the mail, only email and then later said the account states I have been mailed proof. I did receive an email giving me their business license. I have never received anything in regards to the actual debt. If this is a legitimate debt, I 'm sure payments have been applied and it seems I should have a right to know what that account looks like. I 've asked them to not call me at work as I am not allowed to take personal calls at work. They have continued to call me over the months at my job. Today I received a call at work telling me that I owe money. When I explained the situation, I was told because I have made payments, I do not have the right to receive proof of debt. I was also told that my employer would be contacted. The representative was very rude when I asked for my right to receive proof and reminded him that my account should be noted that I have asked to not be called at work. He said he was turning it in as a " failure to comply '' and to expect a lawsuit. He also claimed they have called my phone several times but I have not received any messages from them in a few months. I have paid off debt with other agencies and I have never dealt with anything like this. I have looked them up and they seem to be a real company but their practices are very questionable and seem to disregard my rights time after time. I filed a complaint with the XXXX several months ago and they would never respond to my actual complaint of them disregarding my rights. Instead they responded saying they would stop contact on XXXX of the loans. They claim to have XXXX separate loans.
Consumer complaint received 2016-07-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SD)

I have a mortgage with Ditech and have been overcharged {$1900.00} for a monthly mortgage payment. I notified Ditech of the overcharge right away and it has been two weeks now and I still have not been refunded the money. {$2000.00} is a lot to me and I need to live on. If I am overcharged I expect the money to be retuned within a couple of days.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Ditech allows mortgage consumers to make biweekly. I have for 7 months been making biweekly payments and they are NEVER applied correctly. The extra funds are not being applied to the principal as indicated on the biweekly application. Every month I get notices that I am behind because my payments are held in suspense. This month XXXX XXXX I get a call that my payment is 27 days past due. WHY? because once again the payment has been posted incorrectly. I have spoken to manager after manage and they cant get it right. I have been told that their system can not handle biweekly payments, SO WHY OFFER THEM THEN? I have been attached late fees almost every month. No one at the company can get it right. Enough is Enough. This company is a scam and incompetent. Every person that you speak to has no idea of ANYTHING!!
Consumer complaint received 2016-09-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO. (IL)

I have told Chase numerous times that I do not wish to communicate with XXXX, I called to make sure a payment on another loan posted and then they asked me about the Chase loan, I had advised Chase that the due date does not work and not sure why it was changed. I advised them that last year, Chase changed it for me but this time they are claiming they ca n't, this is a problem and I told Chase that I have issues with XXXX because they do not know anything and will use scare tactics. I have also told XXXX numerous that I will not do any auto debit with them because I do not trust them but I keep getting offered it any way. I do not want any contact with XXXX at all, I hate dealing with me because it is a nightmare to get answers from them. They are similar complaints against from other people.
Consumer complaint received 2016-06-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (FL)

JP Morgan/Chase has decided to eliminate an Overdraft product which allowed consumers to attach their ( Chase ) credit card to a checking account - see attached document. This product protected the customer from inadvertent overdrafts and also allowed immediate access to uncollected funds by utilizing the credit line to cover any insufficiency in funds availability. I have had this product since XXXX ( Chase predecessor Bank : XXXX XXXX XXXX ). 5 weeks ago Chase communicated to me that this product would be eliminated in XXXX of XXXX and advised that Overdraft Protection/ Funds Availability coverage would now only be provided if I fund and associate a Chase personal Savings account for that purpose. 
I am a Chase retiree and a Account holder since XXXX. My checking account has had Overdraft/ Uncollected protection through my associated credit card for 35 years. It should be noted, I have several Chase credit cards and spend $ XXXX on the Chase card that also provides my OD protection. I have reached out to Chase customer service and their response has been to advise me they will start charging me {$34.00} for insufficient funds unless I " gift '' them a personal Savings Account. I say " gift '' because Chase is n't really paying interest on personal Savings Accounts ( 0.01 - 0.03 % ) - see attached copy of those communications. 
I believe this is a predatory policy change affecting all Chase customers. However, more critically I see this change impacting senior citizens who - like myself, have been long time Chase account holders. I estimate conservatively that this change could impact XXXX to XXXX XXXX US senior households with a Chase Banking relationship ; this estimate is based on the following facts : 1. ) JPM Chase has relationships with 50 % of US households ; 2. ) The XXXX Census reported XXXX XXXX US citizens XXXX and over. 
As a senior citizen myself, I know my fellow seniors are resistant to change, have money, are good credit risks and in many cases not in the practice of monitoring Bank originated communications. 
In closing, I want Chase to grandfather this protection for existing senior citizens. Maintaining this service has no cost to Chase as the infrastructure is in place. I need your help to get this done!
Consumer complaint received 2017-03-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: JPMORGAN CHASE & CO. (PA)

My wife and I worked with XXXX back in XX/XX/XXXX-XX/XX/XXXX to help us get rid of and negotiate some credit card debt. This was completed in early XX/XX/XXXX and we felt wonderful about it. Last week, we went to our bank looking into refinancing our house and one of the XXXX negotiated accounts is still showing up on our credit report showing we owe {$10000.00} when in fact we received documents that we graduated their course and all debts were settled. I 've been on the phone for hours today with XXXX and Chase Credit Card Services and have not had any satisfaction in getting this resolved and the debt removed from our credit statement. I ca n't afford a lawyer to fight this and hope that the Bureau of XXXX will able to make this right. Thank you for your help. Please advise.
Consumer complaint received 2015-04-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (WI)

Deposited a paycheck in a chase checking account. 
My employer showed that the money was withdrawn from his account onXXXX XXXX,2015 and our account showed that the money was deposited but chase locked the account and we were unable to withdraw, wire transfer or use a debit card to access the money.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (MI)

The bank said they could not find any record of where I authorized them to refuse any NSF after this consumer law passed. They had to get each depositor to sign yes or No. I said No. At least once since this law passed this bank refunded my fee on a NSF they paid without authorization. I looked in the email for it and apparently they have another policy of deleting emails after 6 months. Prior to this illegal fees theivery, all my emails were available from the day I opened the account. Several Years. Apparently so they could prove that had n't refunded with their own messages. Make them give me my money back. It 's XXXX. # XXXX Chase Bank XXXX XXXX.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (KS)

When I transferred schools Navient took my student loan off of deferment. I was not notified until I received rude phone calls that my payments were several months late. When I told them I was still in school they promised to remove the fees and charges and put my loan back on deferment. They put it on deferment but left the late fees which they are now charging capitalized interest on. Not acceptable.
Consumer complaint received 2016-02-21
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

I found a lost XXXX Chase Visa debit card on XXXX XXXX in XXXX, California ( XXXX XXXX of XXXX XXXX ) while riding my bicycle on the afternoon of Saturday, XXXX XXXX, 2016. The card was on the side of the road. The card looked relatively new and clean. The card is now in my possession. 

On the morning of Sunday, XXXX XXXX, 2016, at about XXXX PST, I phoned the telephone number on the back of the debit card to report that I had found it. I phoned XXXX. I spoke to a woman named XXXX in the call center. XXXX told me that the card would be " closed. '' I asked XXXX to please notify the card owner, whose name " XXXX XXXX XXXX '' of account number " XXXX XXXX XXXX XXXX '' with expiration date of " XXXX '' was printed on the card. XXXX said that she was not required to take such action. I explained that it 's possible that the debit card owner does not know the card account number and therefore might not know how to reclaim any funds on the card. I also told XXXX that it 's possible that more than XXXX card might exist for this account, so closing the account might cause inconvenience. I again asked that XXXX Chase Visa debit card operations inform the account owner of the lost card. XXXX replied that all I needed to do was to cut up and discard the pieces of the debit card. I repeated my request that debit card company contact the card owner. She said that XXXX other action that I could take is to take the lost debit card into a local Chase bank branch and ask that bank branch to try to track down the card owner " XXXX XXXX XXXX. '' I then asked XXXX to tell me the procedures in place for reporting lost debit cards and informing the account owner. XXXX said that the procedure was just as she had reported to me. Then I said that I needed to report this to the Consumer Financial Protection Bureau so that the XXXX Chase Visa debit card " lost card '' procedures and policies could be re-examined.
Consumer complaint received 2016-06-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OH)

We are desperately trying to stay in our home, but we feel that Chase, as our lender, is not honoring our very drastic circumstance, not properly evaluating our evolving situation, and privileging their profit over our welfare. 

We do not have enough space here to explain our very complicated situation. Our explanation keeps being " truncated '' by your system. Therefore, we have added our explanation of what happened in Section # XXXX, " Product Information '' as attachments.
Consumer complaint received 2017-02-03
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (MT)

XXXXProvidian National Bank requested a garnishment judgement on a time-barred debt. The credit card debt is from XXXX/XXXX/XXXX they filed a law suit for garnishment of my wages on XXXX/XXXX/XXXX past the statue of limitations of 10 years. I contacted the XXXX XXXX XXXX XXXX in the State of XXXX. They indicated that the Law offices representing Providian National Bank did not request an extension on the Judgment therefore they did not have grounds to file a judgment for garnishment.The original judgement was in the State of Tn they requested a foreign judgment in XXXX State. I was never notified of this law suit so that I could file an objection. The notice that they sent was sent to an address in XXXX State I did not and do not live there. I was never served so that I could appear in court. They received a default judgement for a debt that was too old to collect on. I do not believe this debt is mine so I contacted the Law offices to get validation of the debt on XXXX/XXXX/XXXX I still have not received debt validation. I believe this was a case of identity theft.
Consumer complaint received 2016-09-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

I filed a complaint with you in XXXX against bsi financial.i have a letter stating they corrected the informations and corrected my mortgage payment. I paid per the letter XXXX for XXXX as I have an adjustable rate which changes in septemer the letter that was sent to you to correct the problem seams as if it was just to correct the problem of the mortage payment for XXXX month. I just received a statement showing I know owe XXXX per month.it seams to me they are looking to make me default on the loan .I cant understand why this has changed .this is a company that is very deceptiver ceptive with the practices on my mortgage. I am tired of trying to be taken adva antage of .I will continue to file complaints with you .as you do get results from this company. you can not just call and try to resolve anything with their custom er service..this is such a unprofessional co to deal with.how could they owe me XXXX check # XXXX and then up my payment XXXX $ per month.this com pany should not be in business. 
service.
Consumer complaint received 2016-05-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Foreman Financial Inc. (CA)

I received a vehicle which was a lemon. I was paying thousands to fixed car which caused me to have to file XXXX for this vehicle.i owed under {$12000.00} dollars when I filed bankruptcy. I finally gave up car and went to court with foreman financial over never receiving any mail letting me know the status of car and how much they received from the auctioning of car. They have added fees totally over XXXX and continuing to add fees even though my credit report saids charge off closed now open / charge off.
Consumer complaint received 2015-04-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

We recently received our escrow analysis from Green Tree Mortgage and were informed that effective next month, our mortgage payment will be increasing by {$300.00} per month. They claim that there was " glitch '' in their system last year, such that while they paid our insurance premium, the amount had not been escrowed. As such, they are now raising our rate to compensate for this glitch to make up for a significant shortage. We were told that nothing could be done to rectify this, that it 's " simple math '', and to simply be thankful that they are spreading the shortage out instead of collecting it within 30 days. Even if we paid the $ 2500+ shortage out of pocket today, our monthly payment would still raise over $ 250/month to accommodate their " glitch ''. Needless to say, we are extremely disappointed & frustrated.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

*THIS IS NOT A DUPLICATE* I believe that my mortgage account is being serviced as an adjustable rate mortgage instead of a fixed rate mortgage. My amortization schedule is a " Step Rate Loan Amortization '' which is a type of adjustable loan. My billing statements are inconsistent as to what is stated to pay and what is actually paid. The company acknowledges adjustments taking place in the account. The company sends documents and letters that do not accurately represent my account.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Innovis (DC)

CBCINNOVIS has pulled my credit report unauthorized a number of times. This company has abused my rights by pulling my report 2-3 in the same week. I have written letters to CBCINNOVIS as well as the credit bureaus to have these items removed and I have not received any results.