davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending (FL)

In 2008 I attended XXXX University in XXXX off XXXX and XXXX while attending XXXX University I was only known of the XXXX XXXX loans I had. While going to the school they kept telling me I did not have enough money to continue that I had to keep taking out loans just to continue. Right before I graduated they told me I did n't have enough money to XXXX that I had to take out another loan before I can XXXX an at that time is when I found out I had a XXXX lending loan. Then after XXXX i ask for my XXXX to find out they took more then XXXX loan out on the same day at the same time. I also find out that they XXXX about how much money my XXXX will cost it was suppose to cost about XXXX an when i XXXX it was almost XXXX. I was also suppose to XXXX after XXXX years and i did n't XXXX till about XXXX years. Then after XXXX and continuing XXXX i was told i can continue with my XXXX even if i had a XXXX record and it withhold of adjudication. well I just found out that i wasted my time at XXXX and XXXX college In XXXX to get my XXXX and almost my XXXX and XXXX wont even let me withdraw when i told them my situation. Even though they said i am not even suppose to be certified but they still wont withdraw me. I told genesis lending of my situation but they wont drop the loan. I do n't feel I need to pay any loans because it was more then what i was told and I was lied to just so they can get money I wasted my time when I could of went to XXXX for something else.
Consumer complaint received 2016-09-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (DE)

My discover it credit card account was closed by Discover yesterday without any notice. I realize this case by receiving email from XXXX saying my payment is not successful. I never missed XXXX payment and did not do anything improperly. I was wondering why this is happening and called the service center. The only reason I learnt is " BUSINESS REASON ''. Not sure if this will affect my credit score. After searching on XXXX, I realize this is not only for me. Many XXXX card holders experienced the same situation. Hope this is not a discrimination thing.
Consumer complaint received 2016-11-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (TN)

XXXX cell phones were ordered on my credit card by someone other than myself the phones were to be sent to XXXX, XXXX XXXX Phone XXXX He is connected to a group of people that scams the elderly out money .the number for this group is XXXXperson affiliated with this group is XXXX, another address XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX, Another phone number XXXX, XXXX XXXX XXXX. i do not know these people personally but i was scammed out of XXXX dollars by them if you need more information please get in touch with me.
Consumer complaint received 2015-04-09
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: URS Holding, LLC (NJ)

I paid off a debt I had to a college I attended, At the same time, I paid it off, I received a statement from a collection agency named Enterprise Recover Systems, XXXX, Illinois, that there was a current amount due. I explained that I paid it directly to the school and might have missed their correspondence, since I had just moved. They confirmed with the school and told me I was paid in full. I recently checked my credit report and notice I have them listed on my report and I called to discuss the matter. They claim that there is still a balance that is unpaid, I had asked them why did n't they send me any correspondence about a balance due. Instead they reported it and now it it listed on my credit report. She told me they do n't operate that way. How is it that I was professional enough to call them and address their XXXX letter and they are not professional enough to call me or send me a letter regarding a past due amount? Of which I already paid?
Consumer complaint received 2015-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (CA)

This collection agency, FOCUS RM, has placed a debt on my credit report that is not mine. I researched the company. Apparently they are scam artists that place false debts that do not belong, and they have done this to XXXX of people. The debt on my credit report, which has ruined my credit is not mine. I never even used XXXX. Please shut this scam company down!
Consumer complaint received 2016-04-08
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (GA)

I bought a washer dryer from a XXXX store on XXXX/XXXX/16. The washer was defective and flooded my cellar with water. On XXXX XXXX, 2016 the washer dryer was returned and a refund was promised within 2 days. Today XXXX XXXX XXXX, 2016 XXXX, I went into the store to demand my money. After 2 hours of waiting while they looked at their records, my XXXX debit card was swiped - once again an immediate refund was promised. 

When I arrived home I called my bank ( Chase ), as no credit appeared on my account. My bank will not help until a full 15 days have elapsed from the time of my complaint. So my bank ( Chase ) is participating in a scheme to hold over {$1000.00} for over a month for a product that was defective, damaged my house, and has been returned. They claim the 'XXXX rules ' demand this behavior. 

Imagine if I pulled into XXXX XXXX store and loaded up a washer a dryer and drove off with it without paying. Would I have 15 days to pay for it before I was XXXX? OF COURSE NOT! 

Start providing some 'justice for all ' instead of just cash holding for all your banker friends!
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX I made my XXXX mortgage payment ( XXXX ) on line with Chase Bank. On XXXX, I received a notice from my bank ( XXXX ) that my checking account had a negative balance of XXXX. I reviewed my account and Chase Bank had taken out XXXX payments, instead of XXXX. I contact them on XXXX and was told that XXXX could not be credited back the same day. But it would be back in my account on XXXX on XXXX the funds had not been put back into my account. I contact Chase and was told that, because the entire amount of XXXX was not being return, then I would have wait for a paper check to be sent out. I advise the associate to transfer me to a manager, she confirmed that her manager would speak with me, but she was ending a meeting and would take the call. She then came back and advise that her manager advise her that she would need to call me back. She provided me her manager 's phone number XXXX, but I did not understand the name. I then left a voice message for the manager, as she had requested. I called the manager back and received her voice mail again, I explain to her that my account was in negative and that I need to confirmed that funds would be credited back to me today. I then advise that I would be filing a complaint with the CFPB and that I would also being sending an email to the CEO.
Consumer complaint received 2016-10-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

I fell behind on my mortgage after my income was reduced because I was in real estate when the economy crashed and my income drastically decreased. I applied for a loan modification recently and I know I qualify for the Making Home Affordable Program after running my scenario through the online check my NPV web site it came up positive. I also hired an attorney to assist me with the process and they advise me that I qualify for the HAMP program. I am being told that the only reason I am being denied by Chase is due to the fact that Chase is refusing to accept a rate lower than 7.50 %. For this reason my loan is essentially being blocked from receiving assistance. My attorney states Chase can and should contact the investor or upper management to ask that the override that is evidenced by the " Y '' in box XXXX of my NPV chart ( Attached ) be removed on an exception. A rate of 7.50 % is excessive and to demand a modified rate of 7.50 % when the HAMP program offers assistance in subsidized rates as low as 2.0 % is truly excessive. I feel Chase only wants to take my home when I actually qualify for the HAMP program. I am also told that Chase 's participation in the HAMP program requires them to make an effort to get an exception to remove the " override '' attached to my loan allowing a lower rate than 7.50 %. My attorney and I both feel confident I will easily qualify for assistance if Chase did this and obtained an exception to remove that block. I feel Chase is basically blocking or evading the HAMP program approval
Consumer complaint received 2015-07-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (GA)

My business checks were stolen and I contacted the customer care department to request that I get a new account number. I was told that I need to pay {$30.00} for a stop payment on the checks that were stolen and that I had to go into the branch to get that done. I went into the branch on XXXX XXXX, XXXX, Georgia and was told that every member that is listed on the business with the XXXX of XXXX had to be with me when all of the members listed on the business are not listed on the bank account. I explained about the checks being stolen and was told that was the only way I would be able to get new checking account number.
Consumer complaint received 2016-11-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (NY)

Firstmark Services has incorrect information about my account on their website, including incorrect amount of accrued interest and incorrect monthly payment amount. The website says that I should be paying them $ 4000+ a month, when my monthly payment should actually be around {$500.00}. 
I contacted customer service to understand what is going on, and they were very unhelpful and just said that the website is n't working. 

This seems problematic because I assume the website would accurately display basic information like loan amounts. But it is n't. And this makes me think I need to go back and check every single number on there. Which is a hugely time-consuming prospect. Also, if my information is correct, that means may other customers ' information could be incorrect.
Consumer complaint received 2016-12-01
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

some bank credit cards have very complex incomprehensible interest rate system. i.e. different rates for different bank products on one credit card : i.e. Rates for purchase, cash advance, overdraft, linked to card, promotional interest rate. For consumers who pay less that the total balance, are hit with compounding interest @ 15 % 19 % or higher on other category on the same card. This is totally unfair, and equal to " lone sharking ''. No clarity is provided regarding allocation of payment to interest rate line item. The compounding aspect of this situation is totally unfair and greedy. Can your department help with this situation? Help!
Consumer complaint received 2015-08-28
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (MA)

In XXXX, I mistakenly sent a short payment ( by about {$20.00} XXXX to my Visa card company. This month, when I received my bill, I see interest charged on new purchases that were not due to be paid until the statement date. I called the company, who told me they are allowed to do this. If this is legal, I would call it highway robbery. The only interest due should be on the late amount and cash advances, and not on the new purchases that are not due for payment.
Consumer complaint received 2018-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

Approximately 2 weeks ago, I had been notified of suspicious activity with my Chase Bank account by phone. On this call I was notified that over a span of a day, a check deemed fraudulent was deposited in my account without my permission or authority. 
The check was issued to my name, however was unsigned, proven by photos of the check sent by Chase. The fraudulent check was immediately made available despite its obvious signs of being fake. The suspects then overdrew my account, withdrawing {$2600.00}. Leaving my account overdrawn by {$1600.00}. Chase denied to give me any information regarding the transactions to make a proper police report. they froze my account, leaving me unable to access my money and information regarding the incident. I was on the phone with chase daily attempting to reconcile the situation. Chase approved a fraudulent and unsigned check. Chase repeatedly denied my claim, for a week. I then received a letter in the mail deeming the check deposited fraudulent. Chase then closed my accounts without any warning, and sent me a bill in the mail for XXXX USC of overdraft fees. I am currently XXXX   and am now left with a bill of {$1600.00}, due to chase 's negligence, I am unable to pay for my medical expenses and vital XXXX care for my child due to chase closing my accounts with them after nearly 15 years of banking. 

Check copy sent to me in mail, i can provided upon investigation. 
However, I can not provide any other documents at this moment due to my account being terminated without my permission.
Consumer complaint received 2016-04-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

This company continues to call my unlisted phone number. I am on the do not call list. I do not owe any debts. They have been calling repeatedly. They did something similar a few years ago with a different number when I did not owe any debts. When I called them at that time they tried to obtain my personal information like my social security number. I would not give them the information and evidentially they quit calling. They have started calling again on my new number. They are probably calling the wrong person again but I am tired of this company repeatedly calling me when I owe no debt. I have a credit rating of XXXX. When they call it is a recording and there is no one to tell to quit calling. I would like to have the harassing phone calls stopped. They need to find the correct phone numbers when they are calling for a debt
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MD)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " XXXX XXXX ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2017-02-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NH)

Today, XXXX XXXX, 2017 is the 3rd time I have requested CHASE The MIP to be cancelled/terminated. 
Again, note : I have made LTV ratio and paid the Five years premium. 
Please cancel/terminate the MIP. 
Thank you. 
XXXX XXXX
Consumer complaint received 2016-08-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

Please be advised XXXX XXXX is reporting XXXX 30 day lates on my credit report for XX/XX/2016 and XX/XX/2016 that I totally disagree with! I made 2 payments in XX/XX/2016 on XX/XX/2016 and XX/XX/2016 yet they still counted me as 30 days past due! I have chatted with them several times and filed disputes yet and still they continue to report the lates which are the only late payments on my whole entire credit report! To put the icing on the cake they sent me a letter saying I was not late! Attached!
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

On XX/XX/2022, I applied for an Offer of credit with XXXX XXXX. XXXX XXXX ran a credit check on me with EQUIFAX. Equifax returned information stating that I was, '' DECEASED. '' As a consequence, I was Denied credit. 
I have made several attempts to having this incorrectly filed information fixed but Equifax continues to report me as, DECEASED. '' Please, I need assistance because Equifax will not report accurate information on my credit report and or File. I am Alive and Well and not Deceased as being reported by Equifax.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (VA)

I have cancelled XXXX of my XXXX Chase visa cards last XXXX and that there was activity or transaction in since XX/XX/XXXX. Much to my surprise, I received a statement from Chase stating yesterday that I am responsible for annual membership of {$75.00}. I called and spoke three different representatives today, including a supervise but that did not resolve the issue. I simply asked them to cancel the account and reverse the charge erroneously posted on my cancelled credit card account. I also told them I cancelled the account last year because of {$1500.00} credit that was insufficient for my law firm office expenses. Additionally, I have told that I have been happy to use my other credit card with Chase that gives me much higher credit limit. They billed me for the annual membership on XX/XX/XXXX and today 's only XX/XX/XXXX, and cancelling and reversing the charge should not be a major issue for them. They were unwilling to listen to my concerns and questioned my integrity that in fact I called and cancelled the account last XXXX. They have given me an impression to force me to keep this account open, which I am unwilling to do. I would appreciate your assistance with resolving this issue.
Consumer complaint received 2017-01-05
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (CO)

Prior to making some overseas trips, I consulted the chase.com website to determine if my credit card had foreign transaction fees. 

I logged into the secure section of the website to ensure I was accessing my information, and under my credit card account, under the things you can do area, the first item was view my card benefits. When clicking on that, I was taken to a page ( I have the screen shots taken afterward ) that clearly states that there were no foreign transaction fees. 

After using this card for purchases on my trips, I was charged secure transaction fees totaling about {$40.00} US Dollars. I have two other cards that also do n't have these fees that I could easily have used. 

I have since been working directly with Chase, via their secure message system, to reverse these charges. They refuse to acknowledge that their website directs me to this page ( which i have screenshots that it does ) and they claim that the agreement I signed calls for these fees. I asked for a copy of my agreement - they said they do n't have it because I filled out my application online. I have all of these messages. 

I asked for a payoff balance so that I could close the card and they refused to provide it. I have these messages as well. 

I would like help in forcing them to close my account, and ideally, to refund these foreign transaction fees, that they are falsely advertising on this card. 

Despite this, after several secure message exchanges with Chase, they res with Chase
Consumer complaint received 2016-10-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (OR)

The reason for this complaint pertains to Predatory Lending. XXXX has been be fraudulently misleading students. According to the CFPB it is believed that XXXX used high-pressure tactics to push many consumers into expensive loans destined to default. During the course of XX/XX/XXXX through XX/XX/XXXX I was encouraged to take out loans and continue my education from an XXXX degree to a XXXX. The Department of Education a student can receive loan discharge for this but this only applies to recent students and those who recently completed their studies within XXXX. This is an unfair process in that many prior students have a considerable about of debt because of this. Moreover, is that since the XXXX name has become tarnished it reduces the likelihood of receiving a new position. Employers may deem students not being well educated. Recent students at least get the opportunity to repair their statuses. While previous one have little or no chance. I believe if a discharge can not be granted for all students affiliated, then all students should receive a partial discharge of loans. We are victims too.
Consumer complaint received 2016-10-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (GA)

I have tried to open an account with Suntrust in conjunction with my XXXX XXXX Member Account. I opened the account online around XX/XX/XXXX. Suntrust Policy states that an account had to be inactive for 90 days to be closed for inactivity, says the Suntrust representative. Although, somehow my account was closed on XXXX fifth. I just received my Debit Card today, on XX/XX/XXXX. When I called to activate my card, I was transferred to the Representative that explained the earlier statement, and was told that my account had been closed due to inactivity. When I started questioning that decision and requested to speak to a manager, he became irate and ended the call. This is n't the first time I 've dealt with the exact same situation with Suntrust before. It has happened multiple times. This has to stop.