davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-12
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (PA)

Chase violated my credit card ( Chase Freedom ) agreement by mailing a credit card pertaining to my account to different address. The credit card agreement states that cards are to be mailed to the address of record. As a result, the card was mailed on XXXX and on XXXX approximately {$130000.00} in charges was attempted and {$6800.00} posted before Chase contacted me. Chase has yet to remove the charges and is not fully cooperating with me. I firmly believe that Chase is negligent.
Consumer complaint received 2016-07-04
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (UT)

Chase Bank : from XX/XX/XXXX to XX/XX/XXXX are misreporting that they wrote off the amount of the credit card. When it was actually sold to XXXX XXXX. I dealt with XXXX Collections and they are no longer on my credit report. However, Chase Bank refuses to change status to sold.
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (CA)

I called about fee on my accounts. The XXXX Reps said they were unable to help me with my account. XXXX fee of XXXX and XXXX fee of XXXX dollars. 

I would like for both charges to be refunded of XXXX and XXXX dollars.
Consumer complaint received 2016-12-23
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (CA)

Contacted Credit Card Company ( JP Morgan Chase Visa ) to dispute a charge on XXXX. During the dispute process I provided valid proof of the claim ; Receipts from the new plumber, receipts of the damages caused by the XXXX plumber and video/photo evidence supporting the claim. JP Morgan contacted XX/XX/XXXX and is now requesting a XXXX from a XXXX validating the work performed from the XXXX plumber was inadequate and the services provided were not fulfilled. The response is due by XXXX/XXXX/16. Due to the holidays, this allotted time is not sufficient nor is it considered a reasonable request. This dispute was filed in XX/XX/XXXX with the Credit Card company. I was explained the merchant was given 30 days to respond and dispute the reversal charge. However, the same XXXX days was not given to me considering I received the notice on the XXXX of XX/XX/XXXX and they 're requesting a response by XX/XX/XXXX not taking into consideration the Holidays and business 's closures. Nor should this request be considered necessary. The merchant 's insurance company has accepted full liability and issued a check for the damages caused by the plumber negligence. I can not comprehend the necessity to provide additional information that is outside the scope of the services that were not performed by the plumber nor should I incur additional expenses to pay for another plumbing company to write-up a XXXX Opinion letter. An addition, why should I be responsible to pay for something that was not done correctly resulting in personal damages caused by the business 's negligence. The services were not fulfilled. I had to pay another plumber to come-out and fix the issue caused by the previous plumber. I have provided this evidence to JP Morgan Chase and their stating VISA is not accepting this documents presented as substantial documentation. This is not a logical or reasonable request and undermines the consumer protection laws meant to protect consumers from paying for services that was not fulfilled.
Consumer complaint received 2016-09-24
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (CA)

I had an account well over 10 years ago with Discover Card. 10 years ago I had moved to brasil. A couple years ago they liened my bank account. That is exactly when I learned I owed Discover card over {$6000.00} what with attorney fees and interest ... 


While I was in XXXX they " served '' " me '' with court papers and got a judgement against me in court. I am a XXXX XXXX XXXX skinny XXXX male. They served someone who was described as XXXX '', XXXX pounds and XXXX,.. The judge laughed when I asked her to go see how I was " served. '' I immediately called the attorneys working for discover card. 
I sent proof all my money was XXXX payment standong term XXXX. Payments l exempt from judgements in California. 

When still spitefully made me wait a couple months till the court date. Maybe hoping. I would not appear a dashed get my entire movie ths income. 

I then sent off all the information to discover in Ohio. Pointing out the defective service. Giving them ALL my bank account numbers with proof it was judgement exempt income. AND??? 

They told me they assigned me to a new attorney who will probably wait and lien my account and hope that by then this permanently XXXX old man is too sick to. Are the long bus ride to court, etc etc By the way : I DID offer, in writing, to negotiate with them IF they could offer me any proof at all that the debt was actually mine, and how much of it was interest and attorney fees IF so ... But. Of course, they did n't have that. Guess they assumed they had me Locked in with their judgement.
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (MA)

On my Chase statement closing XX/XX/2016, I was charged {$7.00} in interest. I emailed Chase inquiring about this charge and how the math did n't add up. They relayed their formula to me, which make sense, but not the " Balance subject to Interest ''. Upon inquiring further as to how they calculated it, they provided me with a formula, but not with how they actually calculated it for me. I 'm filing a complaint with CFPB due to Chase overcharging me for interest without justification once I pointed the error out.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (OH)

I was sent a billing statement by Chase for my XXXX credit card for a balance of $ XXXX. Before the stated due date on the statement, I paid not only the entire balance from that statement, but also covering the few purchases from the current billing period. Once the payment pasted, by balance reflected {$0.00}. This payment posted and the balance showed {$0.00} before the stated due date, let alone before the account cycled for the following month. To my surprise, I checked my balance about a week later and saw an interest charge of $ XXXX. Confused as to how I was charged interest on a {$0.00} balance, I contacted Chase and they advised it was the interested that had accrued on the balance that was carried over from the previous months balance. The logic of this is simply ridiculous. Essentially what that means, is that it is quite literally impossible to pay off your balance in any given month if you had n't paid it in full the previous month. Even if you got a bill and paid it the very next day for the amount on the bill, they would still charge you interest for the time frame from which they sent you the bill to when they received the payment. How is that not horribly misleading? When I brought that point to their attention, they advised me of a piece of verbiage on the statement that says something to the effect of " balance subject to interest ''. 

The main point I 'm trying to make here is that if you send a bill for a certain balance amount and you pay that entire balance before the stated due date, you should not be subject to interest for that particular billing period. 

This is a very misleading business practice and I felt it warranted escalation in this manner. 

P.S. - They refused to waive my fee after I clearly laid out my grievances in multiple cordial contact attempts. However, they did waive my wife 's interest, who was in the exact same situation. Not sure how that happened, but there seems to be a lack of consistency in their fee waiver process.
Consumer complaint received 2017-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (DE)

Began XXXX in XXXX. Approved for a Parent Loan Waiver in XXXX. While submitting documents to prove my XXXX, all payments were not needed. XXXX years qualified me for the waiver. However, I have told Dept. of Ed and then Edfinancial of my financial hardship through the many forebearances being granted. My limits on income were governed by XXXX rules ; hence the two aforementioned depts. knew of my XXXX status. Nelnet ( another servicer ) told me I would be reimbursed payments made when I was XXXX as I can prove long term XXXX. I fully expected a decent reimbursement that is supposed to arrive in 45-60 days after XX/XX/XXXX ( my approval start date ). Suddenly, Nelnet says I will not receive any reimbursement when I called for a status update. Earlier on same day ( XX/XX/XXXX ) a Nelnet rep said I would get a reimbursement of over {$2000.00} ( I ordered payment history of my loan that began in XXXX. ) Please help, what is going on.???
Consumer complaint received 2016-06-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WA)

" Inherited '' mortgage after father died. Took7 months of repeatedly submitting the same paperwork to even get info on the mortgage, despite the fact that I 'm the executor. Went in person to branch, said they can not help because they are not corporate. 
Refused any forbearance while we were trying to figure out funeral costs, etc. 
Attempted multiple times to modify mortgage, but paperwork was " never received '' by Chase. 
Chase sold mortgage to XXXX, did n't tell me. Said they sent a letter that I never received. Presently can not make payments or do anything with mortgage because the transfer has n't been completed, according to XXXX.
Consumer complaint received 2015-08-06
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I have a couple of issues with this creditor ; 1 ) On XXXX XXXX XXXX, I found that XXXX put a lien on my property in XXXX whichI did not realize ( see attached Credit Line Security Deed ). I do not remember every seeing this document or signing it, nor doI have a copy of it my files.2 ). In XXXX I filed bankruptcy which XXXX was included ( see attach creditors list ). After much research I found that XXXX is out of business and XXXX XXXX took over their accounts. According to XXXX XXXX, in XXXX the account was transferred to Green Tree Servings. XXXX I filed bankruptcy and Green Tree was included, even though the debt was in my XXXX bankruptcy.After talking with Green tree, because my property was under contact to be sold, they would not negotiate a payoff unless I went thought the short sale process which could take weeks and I am due to close on XXXX XXXX. The only option I was give was to pay in full in order to get the lien release. I was told that the bankruptcy released me from the obligation of paying the debt, but in order to have the lien released, I would have to pay the debtin full or go through the short sale process. I feel that I am being taken advantage because the house was under contract. This situation feels like extortion. How is it that I am not obligated to pay the debt but to get the lien off my property I would have to pay the debt?
Consumer complaint received 2016-02-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (CA)

Submitted an complete Loan Modification packet on XXXX XXXX, 2015 to Fay Loan Servicing. 
We have not had a return call or email response from Fay Servicing.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

XX/XX/XXXX / XX/XX/XXXX we started working with Green Tree on a Deed in Lieu. The representative originally told us it would take would take 90 days to complete. Within the first month they changed the locks on our home without telling us. ( Our payments were current at the time. ) They said a lock box was on the door and they would give us a code, but there was no lock box. Months went by and we called Green Tree daily to check the status of the Deed in Lieu. Calls to Loss Mitigation went unreturned, but their collections department called us almost daily asking for payments. Their system never showed us in the Deed in Lieu process. When I finally got a hold of someone in Loss Mitigation, they said that I had cancelled the request ( which I never did ) and that we had to start all over again. During this time Green Tree became Ditech and our file was lost / misplaced a hand full of times. We had a new account representative almost weekly. The Deed in Lieu was finally processed and finalized XXXX XXXX, XXXX. We were sent a Deficiency Waiver Agreement. Within the past two weeks we have received about XXXX letters from Ditech concerning our account. I called yesterday and they said our account was past due and that I needed to make a payment. I told them about the Deed in Lieu and the Waiver Agreement but they said they had no record in their system and that someone would have to call me back. No one did. I called again today and the representative said she could n't help me and that someone would again get back to me. I spent XXXX months trying to settle this with Ditech. I can not spend another 8 months trying to now resolve another of their mistakes. Not to mention the late payment reports they have been sending to the credit bureaus since XX/XX/XXXX! I 'm worried about contacting an attorney as the last time I asked Green Tree / Ditech if I needed one, they told me they would cease all communications with me and stop working towards a solution. I am at a loss on how to work with this company.
Consumer complaint received 2015-05-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CT)

My house at XXXX XXXX XXXX, XXXX, RI was foreclosed on by XXXX, because i had bought a new home, could n't sell the house and had exhausted my savings trying to pay both home mortgages. Green Tree was the second mortgage holder. I have been paying a monthly payment since XX/XX/XXXX, once I was contacted by Green Tree and the XXXX foreclosure was settled. I am required to set up payments in six months intervals, which I do for {$300.00}, which is higher than my original mortgage payment. I am not allowed to make the payments monthly on my own and are forced to pay a {$12.00} processing fee each month, which i have done. The last time I had to set up the next six months of payments, I was required to provide all my financial information before they were willing to discuss my account with me, when I refused to i was threatened with being sued. I reluctantly provided my financial information and was subjected to questioning about my monthly bills, my current mortgage, why i have open charge cards, why is my cell phone bill so high, etc. I was then lectured about paying the Green Tree debt first, in fact, the representative was trying to force me to make an offer to payoff the balance immediately. After much convincing I was able to get the Green Tree representative to set up another six months of payments. The representative made it very clear that if I do not settled the debt after XX/XX/XXXX, when the sixth month payment is processed or they will take me to court and sue me for the balance in full. I do n't feel I am being treated fairly. I am paying the mortgage lender monthly, the amount is larger than the original mortgage payment, I am paying a $ XXXX monthly processing fee and yet I am constantly threatened with a lawsuit for nonpayment.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

Purchased home approximately XXXX XXXX, XXXX. Ditech was mortgage company on this purchase. 

On or around XXXX XXXX XXXX I refinanced the home with Ditech again as the mortgage company. Within 1 week of the refinance Ditech dispersed the county property escrow taxes for approximately {$4900.00}. 

Now again in XXXX XXXX Ditech has disbursed from my new loan another county tax payment of {$4900.00}. I have called Ditech nearly 6 times in the past 2 months to be certain my escrow accounts are being handled correctly. To date they are not responding to where my escrow money is from the previous loan. I am basically out {$4900.00} due to their error.
Consumer complaint received 2016-09-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

My loan was transferred to DiTech for servicing XX/XX/2016. Since then my taxes have not been paid. Funds have been withdrawn from my escrow account and not applied to my tax bills. To this date my County and interim school tax bills have not been paid. I have been reaching out to DiTech since XX/XX/XXXX to get this resolved and have been unsuccessful. I was put in contact with several managers at DiTech and XXXX who distributes the tax funds and have not received any feedback or resolutions. DiTech has also taken additional monthly mortgage insurance payments from my escrow account as well with no explanation on why. Any help addressing this matter would be greatly appreciated.
Consumer complaint received 2016-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

We have a mortgage that was bought by Ditech. We have always paid our payment through my local bank bill pay. Well, the last XXXX months Ditech has credited our entire payment to escrow instead of the principal, interest and escrow. We keep getting calls demanding payments that we have already made.we have talked to numerous reps from Ditech who tell me that they have enhanced their online experience. Ever since the " enhancement '', it has been a nightmare. They have continually admitted it is their fault, and have promised it will be fixed. It has not. I received a notice of a negative rating on my credit report for missed mortgage payments. Ditech insisted they never sent anything to the credit bureaus. we are at our wits end with this situation. we keep getting letters in the mail urging us to get credit counceling.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

Loan sold to Green Tree Mortgage. I was unemployed, received unemployment payments from the government and able to verify yet Green Tree never would approve my loss mitigation paperwork. Instead paperwork was ALWAYS lost and reps could never help or even tell me the same information twice. I began the loss mitigation progress with Green Tree XX/XX/XXXX. My loan was then changed to DiTech XX/XX/XXXX. DiTech said they did n't know I was in the middle of trying to modify and I was called 5+ times per day requesting payment in full. Again, I was unemployed and could verify this. I restarted the loss mitigation process again XX/XX/XXXX with DiTech. Like Green Tree, same run-a-round, my paperwork was lost and at one point in XX/XX/XXXX I was verbally approved for a repayment plan though I never received any letter in the mail. The next time I called, that rep who verified the payment plan no longer worked there and no one had any knowledge of me being approved for repayment. I then restarted the loss mitigation process XX/XX/XXXX and was recently told verbally that a letter was sent to me in XXXX stating my package was incomplete. I NEVER RECEIVED A LETTER. So here I am in XX/XX/XXXX restarting the loss mitigation process. Sadly, the rep I have is n't knowledgeable she also ca n't tell me how my mortgage amount continues to increase yet my mortgage is fixed. She always says she will call me back and never does. Last complaint is a {$40000.00} Corporate Advance account fee I am being charged in addition to my principal interest amount. I 'm aware this amount is significantly higher as told to me by an attorney. Green Tree turned DiTech is fraudulent and I need help.
Consumer complaint received 2017-02-13
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: GREAT LAKES (IN)

I have my loans through Great Lakes, and for the 2nd year in a row, they have taken too long to update my Income Driven Repayment ( specifically, PAYE ) after receiving my application. My student loans are for XXXX ( located in XXXX ). Last year, they had my application approximately 1 month before my current PAYE plan would expire, and they failed to update my status so I had to go into forbearance for 1 month until they updated my account. This year, they 'll have had my application for more than 3 months before my next payment is due in XXXX, and again they did not update my account so my XX/XX/XXXX payment is set to increase by more than 10x, which I can not afford. I feel their delays at this point are intentional in order to get more money out of me, which is dishonest at best and more likely criminal. I called them today and was told I 'll be getting an updated payment schedule after XX/XX/XXXX or XX/XX/XXXX, and my payment will only more than triple due to my wife and I filing together and the associated increased income, and yet I had NO information for the last 2.5 months from Great Lakes that my payment would be increasing by that much. Right now, I 'm stuck waiting until after XX/XX/XXXX or XX/XX/XXXX to see if I receive my updated pay schedule like I 'm supposed to, and if I do n't, I guess I 'll conveniently ( for them ) have to go into forbearance again while they fix it ... again. This is ridiculous.
Consumer complaint received 2016-06-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Renton Collections Inc. (WA)

Ref : Case No : XXXX. 

1. This is to inform you that I have received a bill from Renton Collection Inc ( Copy Enclosed as an attachment : Exhibit A ) for an amount of {$88.00} raised on behalf of XXXX XXXX XXXX. Which includes a principal balance of {$46.00} and an interest to date of {$42.00}. I have not utilized the services of this agency till date and I do not now why the collection agency is harassing me for it. 

2. This is also to inform you that I have also received another Summary statement from XXXX XXXX XXXX Case No. XXXX dated XXXX XXXX, 2016 ( Copy of the statement received Exhibit B ). Indicating that they have submitted the case to Renton Collection Inc and I should contact them for further action. 

3. I am afraid Renton Collection Inc has submitted an erroneous claim for {$88.00} on behalf of XXXX XXXX XXXX to whom I do not owe any money as I have not utilized their services. 

4. I have also noticed that they have falsely reported this matter to Credit agency XXXX with malicious intent and it now shows on my credit report as a bad debt. I have disputed it ( XXXX case XXXX. XXXX ) verdict pending.