davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

JPMorgan Chase is a XXXX participating servicer. XXXX allows for full lien extinguishments I requested and was told that I qualified for full extinguishment of my second loan ( Loan # XXXX ) after I provided all requested documents to JPMorgan Chase including the XXXX Certification, XXXX XXXX and Occupancy Certification form. I have not received the full extinguishment as promised by JPMorgan Chase and have been waiting for two years. 
Under the Second Lien Modification Program ( XXXX ), when a borrower 's first lien is modified under the Home Affordable Modification Program XXXX XXXX XXXX, a participating XXXX servicer, in accordance with any applicable pooling and servicing agreement or other investor servicing agreement, the XXXX servicer may elect to partially or fully extinguish a second lien. 
My first lien XXXX XXXX # XXXX ) was modified under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Effective XXXX 2013, Treasury expanded the XXXX program to include qualifying first liens that have been modified under the XXXX XXXX Modification requirements. When a borrower 's first lien is modified under the XXXX XXXX Modification requirements and the first lien satisfies the XXXX eligibility criteria. 
Moreover, I was further told by JPMorgan Chase that through the extinguishment program, they would report to the major credit bureaus that the my second lien mortgage would show " paid and closed '' and reflect a zero balance.
Consumer complaint received 2015-10-28
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (OH)

A more extensive description is in the attached Word document. In short Chase Bank discriminated against me, a XXXX individual, by refusing to consider the cost and added value of the conversion needed to make a regular minivan XXXX since they claimed they could not verify the value of the vehicle because it was not listed XXXX, although there are numerous other sources on the internet to determine the fair value of these vehicles. They offered me significantly less than the amount I asked for at nearly twice the interest rate even though my credit score is over XXXX and I have many accounts with them. 

I spoke to many individuals at the bank who refused to budge on this policy that would only recognize the value of the vehicle as a regular, versus XXXX vehicle. I spoke to both the underwriter and personnel at their corporate office ( see attachments XXXX. It should be noted that after a very brief discussion with XXXX XXXX XXXX XXXX, I was given a loan for the full amount requested at a lower rate than Chase 's best rate.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-05-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I refinance my house on   XX/XX/XXXX  and opened mortgage with Quicken Loans. My monthly payment o n 30 years fix interest loan was  XXXX  On   XX/XX/XXXX  , QL against my knowledge and my wishes created an Escrow account that is attached to my 30 years mortgage. Since   XX/XX/XXXX   I made over 10 requests to close Escrow account. QL refuses multiple requests to close escrow account unless I apply for new higher percentage loan. For monthly payments to Escrow account QL charges me roughly double the amount of total yearly payments that associated with my property. Current  Escrow Balance is {$2000.00} Future p ayments in following 12 month are {$3800.00} x  XXXX  property taxes.    XXXX  x  XXXX  = {$7700.00} ; {$7700.00} -  XX/XX/XXXX  = {$5700.00} ;  XXXX /12 monthly payments is {$480.00} QL instead collecting {$990.00} to create financial problems.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (TX)

XXXX Issues with different schools. 
1. XXXX University did not apply unused funds to loans. I 've submitted forebarance forms and request for discharge because my son ( I 'm a single parent ) is permantly XXXX, he has XXXX. I did not qualify for government assistance then nor now, so my income has been limited. Despite obtaining a XXXX in XXXX, I was told by many employers that XXXX was not a recognized university, they were unable to verify my attendace at the school. I 've made payments despite this, not always on time due to ongoing medical issues. I 've had to stop due to XXXX and XXXX for my son. 

2. University XXXX XXXX enrolled me in a course/program that had nothing to do with finance, it was XXXX program. I requested XXXX XXXX, I tried to withdraw several times but was unable to. I spent XXXX years obtaining a degree in a program I have no experience or knowledge about. I do n't have any paperwork from them where I acknowledge my acceptance of the program. 
3. I received a letter from Great Lakes of XXXX XXXX stating that " debtor is hereby cancelled and released. From and after the date of this release, the employer is no longer required to withhold income from debtor 's pay. '' Release date was XX/XX/XXXX. On XX/XX/XXXX Great Lakes sent another request to garnish my wages. Said they never sent above release, when I called on XX/XX/XXXX. When I called again on XX/XX/XXXX I was told a different story in that the release letter is actually a confirmation of an address change '' I had my HR department call, and she was told the same excuse. Great Lakes has sent all correspondence to my employer despite me giving them a correct address.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (PA)

My Banking institution's is sharing my personal information with third party affiliates with no consent to do so. Under the Privacy Act this is a direct violation. Under 15 U.S.C  6801-6805 protects me as a consumer and allows me an opt out option and non disclosure options that was not provided. I never was sent anything in regard to an opt out prior to the bank sharing my personal information.  The bank was in direct violation of the FCRA  and Privacy Act. They gave information to XXXX XXXX XXXX without my consent. In the banking terms and conditions, it states no information shall be given to third party's or Affiliates and non affiliates. The report from XXXX XXXX XXXX  that is attached is evidence of the Bank sharing information. 


Wells Fargo Privacy statment. 

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
 Our affiliates include financial companies with Wells Fargo in their name such as 
Wells Fargo Bank, N.A., and Wells Fargo Clearing Services, LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
 Wells Fargo does not share with nonaffiliates so they can market to you.
Joint marketing A formal agreement between nonaffiliated financial companies that together market 
financial products or services to you.
 Wells Fargo does not jointly market.
Consumer complaint received 2017-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (MD)

I sent a payment using my XXXX XXXX Bill Pay service to Great Lakes much as I had for over the past year. Upon noticing that the payment had not been reflected in my account a few days later I called and was informed that they had changed the address of where payments should be sent from XXXX to XXXX without communicating to me in any manner. When asking what would happen I was told that even though I had electronically transferred my payment through Bill Pay that they would not return my payment for XXXX weeks. After two weeks passed I called and asked for an update where I was told the funds would be returned to my bank and then put back in my account. When I contacted my bank by submitting a claim they contacted Great Lakes and informed me that I should be getting my funds returned via check in the mail within forty days. I called as the 40 day limit was approaching and was told again it should be returned shortly so I made another payment in the same amount over the phone with the understanding it would be applied as attended and my original funds would be at my house soon in the form of a check. While they applied the second payment over the phone I still have not received my original refunded payment and have since made another payment to Great Lakes which has not been reflected in my account despite following their explicit instructions. I checked with my bank and they show that the latest payment was posted. Due to these events I now have several thousand dollars that are floating in Great Lakes accounts instead of either being returned to me or applied to my loan. When I called yet again this morning I was told they would look into the matters and get back to me within 48 hours. At this point I have no idea when I 'll get my original payment back and if I 'll have to wait just as long for my latest payment to be sent to me instead of being applied.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

Navient made it difficult to get ahead of my payments from the beginning. I began paying after I graduated in XXXX. What I did n't know is that in the first 2 years of repayment from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, only {$29.00} of my total {$1900.00} in payments would go to my principal. I essentially paid only interest for 2 years. 
On XXXX/XXXX/XXXX I began increasing my payments to around {$400.00} a month up from the {$100.00} minimum. When I chose to decrease temporarily to the minimum because of some life expenses, I was told that my required minimum monthly payment had been automatically increased without my authorization to the {$400.00} I opted to pay - and they would not let me decrease. It took me several phone calls, arguing and being really forceful with managers to get them to acknowledge that my higher payment was a choice, not something I agreed to changing. It took even more force to get them to stop the next payment which was still almost 2 weeks away! I ca n't imagine what the outcome is for people that have less customer service experience or who are not comfortable being assertive. I have asked twice - once last XXXX and coincidentally once again just a few days ago - to make payments by phone paying only the principal and was told that 's not an option. Navient has consistently made it difficult to accelerate paying down my loan either automatically or by phone without paying for interest, which defeats the purpose of making extra payments. At the current monthly minimum I 'm scheduled to pay off my Navient loan in 10 years when I 'm XXXX. 
Has anyone else that made additional payments earlier this week ( I made mine on XXXX/XXXX/XXXX ) that their due date was weirdly not for several months and today lo and behold, the due date is this month?
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OR)

I have spoken with representatives at XXXX XXXX on two different occasions in the past three months- both times I was told that I had no debt being managed by XXXX XXXX . In both cases, they confirmed that my previous debt was from XXXX XXXX XXXX and on the second attempt to get this removed from my credit report, I called XXXX XXXX XXXX to get a letter that states that I do not owe XXXX XXXX XXXX anything. They complied, but XXXX XXXX refused to provide a letter that states that I have no debt with them- regardless of the fact that they are reporting I do. They should have to prove this since it has negatively affected my credit, cost me thousands in interest and disqualified me from refinancing my home.
Consumer complaint received 2016-12-31
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (LA)

This is my second complaint with Chase Bank. This is additional information from a previous complaint Re : XXXX. I applied for the Home Loan Modification program XX/XX/XXXX, due to financial hardship and job loss. The first application, Chase incorrectly calculated my monthly gross and net income. I was denied. Then, I repeatedly completed over XXXX applications for a modification and I have not had any success with the HOPE assistance program recommended by Chase. During my unemployment from XX/XX/XXXX - XX/XX/XXXX, Chase appeared to be working with me to avoid foreclosure. However, throughout the process, I was repeatedly denied any homeowner assistance for a interest rate modification or alternative option. I resumed paying my monthly mortgage XX/XX/XXXX and I am currently 3 months delinquent. I understand my loan is insured by USDA, but I do not understand why I do not qualify for any loan modification. My applications stated that I " do not meet the minimum financial requirements of the investor or insurer of my loan. '' I understand it 's all about the numbers, but it is not clear what would be the min/max standard for Chase or the investor to re-evaluate my interest rate modification. What are the minimum requirements? What does chase need to calculate a proposed -post modification debt to income ratio that is within the acceptable range of the program?
Consumer complaint received 2017-03-28
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, I found an unauthorized charge on my Chase credit card. I contacted the vendor to find out the reason for the charge, but I did not have a reply for over a month. Therefore, I disputed the charge on my Chase Credit Card on XX/XX/XXXX in the amount of {$33.00}. Chase issued a temporary credit for the charge. On XX/XX/XXXX, the vendor sent email saying they still had not found documentation to support the charge. I again asked Chase to resolve the matter. Chase refuses to resolve the dispute, leaving the credit as temporary. The FTC regulations are clear. " The creditor must resolve the dispute within two billing cycles ( but not more than 90 days ) after getting your letter. '' The rule is posted here on the FTC website. https : XXXX It has been over 145 days since I filed my dispute. I have tried calling Chase 3 times and have submitted 4 online requests that the dispute be resolved. I have spoken to both regular customer service agents and also to managers and Chase still refuses to comply with the FTC regulations. I would like you to inform Chase of the requirement to resolve the dispute within the stated time frame and send me a letter closing the dispute. 
Thank you.
Consumer complaint received 2015-05-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

I went through a modification for my mortgage with Chase. I was probably XXXX behind in mortgage payments. They put me on a trial plan and then approved my modification. I was rushed into signing and returning the docs to Chase. We were also fearful of losing our home to foreclosure. I only owed 23 years on my existing mortgage. They raised my payment by $ XXXX monthly and increased the term of my loan to 40 YEARS. I feel that they have defrauded me and I am now running behind again and facing the risk of losing my home to foreclosure. They have just taken advantage of us during a difficult time.
Consumer complaint received 2017-01-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (ND)

On XXXX/XXXX/12 my account ending in XXXX was closed due to fraudulent transactions due to errors made by Chase. Chase allowed someone to deposit a fraudulent check in my account and immediately take the funds out of my account. The fraudulent check amount was {$3200.00}. Upon this discovery, I was told file a police report and return it to the branch. I did this, and the branch manager at the time told me everything was ok, and my account was closed with a balance of {$0.00}. This was fine, but years later I find out after trying to open an account with another bank, that I could n't because Chase has reported on my XXXX consumer report that I failed to maintain my account XXXX. In fact, Chase has on my consumer report that the account was closed due to insufficient funds totaling in the amount of {$3200.00}. Not only is Chase violating consumer reporting laws, but they are also asking me to pay a {$1000.00} settlement to remove this error off my consumer report. I provided Chase with the police report # XXXX precinct XXXX but they are still refusing to remove this derogatory marks off my consumer report. The branch manager assured me my account was closed in good standing with a {$0.00}, and to add insult to injury they even told me I could open another account with Chase. Why would they do that if they claim I owe money?
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (VA)

XXXX XXXX is practicing some sort of fraudulent practice against consumers On XXXX XXXX I purchased 21 bags of insulation, in doing so I was allowed to use their insulation machine for free. Midday, we realized we needed additional bags and went and purchased 5 additional bags. However, the contractor did not utilize any of them. The following day XX/XX/XXXX, I returned 5 bags of insulation. The cashier relayed the charge would be placed back on my card and a receipt was provided. That afternoon, I called home depot credit services to obtain my balance and to ensure that the credit was at least pending. I was told by a male party that they see the return but could take 3-5 days to see on my account. ( PLEASE NOTE : I record all my calls with any businesses ). I continue to wait setting up payments through my banker. After a few times since XX/XX/XXXX, of attempting to obtain my statements through my bank, I was repeatedly told that it could not be processed because it is set up with another account. PLEASE NOTE : that account is closed. I call again on XX/XX/XXXX and speak with a female party and ask her why is my balance not reflecting the refund of return insulation on XXXX. Initially, she tells me she sees the return but only for 4 bags being returned, then further into the conversation she changes her story stating she does not see the refund, but she will call the store to see what occurred. On XX/XX/XXXX, no f/u from Home Depot so I log into my account and my balance still does not reflect the refund, so I write on their website detailing my frustration with the inconsistency of things Im told and still not seeing a refund. I am sent an automatic respond from customer service detailing how to dispute a charge and to set up auto pay and that they believe they resolved my concern. So a series of emails ensues relaying to them why do I have to put in a dispute if I spoke to a representative on XX/XX/XXXX and told them there was a discrepancy, was it not entered then? They came back telling me to follow up with the merchant to resolve the matter. At this point I was mad and requested them to cancel my card, and called the XXXX XXXX XXXX. You can never get who you need on the phone of course, so I left a VM on the party I was transferred to regarding credit that was never issued. So my question is why was I told on XXXX they saw the refund and wait 3-5 days to see it be applied to my account? Why on XX/XX/XXXX I m told they see the refund, then in the same conversation told later the refund is not seen. How is it seen by two parties and then not seen or applied. As I explained to the rep on XX/XX/XXXX I dont need to use a credit card because everything I want I have the money in the account to purchase, however I get bombarded almost daily with mailings from them asking such and such promotion for using your card so I did and I regret that I did