davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NJ)

XX/XX/XXXX, I fell upon hardship, went through a difficult divorce and then had a significant loss of income. My home was mortgaged with Washington Mutual. Right during this time of troubles, the title of my mortgage was transferred from Washington Mutual to Chase Bank. After attempts to rent out and refinance my home, it as foreclosed upon in XXXX XXXX. 

Upon research I have found the following with regards to others in my same situation : " The vital allegation in this case is the assignment of the loan into the WAMU Trust was not completed by XXXX XXXX, XXXX as required by the Trust Agreement. This allegation gives rise to a plausible inference that the subsequent assignment, substitution, and notice of default and election to sell may also be improper. Defendants wholly fail to address that issue. This reason alone is sufficient to deny Defendants ' motion with respect to this issue. '' Through fabricated assignments, endorsements and affidavits that purport to transfer Deeds of Trust, notes and the rights to money due under thousands of non-negotiable promissory notes, Chase is playing " hide-and-seek '' with debtors and judges. 

The XXXX-paragraph complaint seeks an order vacating all Bankruptcy orders, claims and awards granted based on Chase 's misrepresentations and deceptive business practices.They don NOT have the original title deed. If they cant produce it they have NO legal authority to collect or foreclose. All mortgages bundled and sold on the stock market were separated from their original tile deeds.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank is reporting a negative charge off account on my credit report. I have never owned this account and I am not sure why it is on my credit report. I tried disputing this debt with the credit bureaus and I have not seen results. Please look into this account. 
I look forward to hearing back from you.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TX)

I filed a complaint with CFPB because all the delays Chase has caused preventing me from repairing my home in a timly manner. The most recent complaint was XXXX - Chases entire reply was not true. 

Chase stated XXXX We received inspection results on XXXX XXXX, 2016, showing that repairs had been 75 % completed. Our process is to release a loss draft check within 4 to 5 business days or receiving the inspection results. The loss draft check was issued on XXXX XXXX, 2016, and on XXXX XXXX, 2016, the check was mailed via overnight. This is our normal process for a claim. *** That is NOT TRUE - The inspection was complete and in my file on XXXX XXXX. When I got this reply I contacted Chase to confirm when the inspection was complete on XXXX XXXX I spoke to XXXX on XXXX at Chase and she confirmed the inspection was complete and in my file on XXXX XXXX not XXXX XXXX. This reply from Chase is a LIE! 

The reply stated the check was issued on XXXX XXXX - again a LIE - I am attaching a copy of a the check which was n't written on XXXX XXXX as Chase claimed it was written on XXXX XXXX. 

I am so tired of Chase lying and continuing to delay issuing fund causing delays to get the repairs done on my home. 

This has been going on since XXXX. All the delays have caused more damage, unnecessary stress and Chase continues to cause delays and LIE about it
Consumer complaint received 2015-03-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: COAST PROFESSIONAL INC (CA)

Someone applied for a pell grant in my name and social but at a different address and with my first name misspelled. They defaulted on the Pell grant but collected the money that was sent to their address. I was contacted by the Department of Education saying that I owed this money. I told them that I did not sign for this grant and did not attend XXXX XXXX College, this was not my debt. I had already gotten my XXXX degree 15 years ago. They started to garnish my wages anyways. I filled Police Reports, FTC Complaints, Notified the Credit Reporting Agencies and Placed Extended Fraud Alerts, Disputed Information, Notified the Department of Education, the College, and the Collection Agency and Filed Paperwork with the Department of Education. The Department of Education has rejected my claims and said that this is my debt and continues to garnish my wages. They said that they will not stop unless I get a court judgement. I can not get a court judgement when I do not know who the person is that stole my identity. I have called several places but every where is a dead end, no one can seem to help me. Every one says that if it was a student loan then it would be a different story and then they could help me, but since it is a Federal Pell grant, there is nothing that they can do. The Department of Education is Rude and MEAN to me, they treat me like a criminal and will not offer me any help. I am not the criminal, I am the VICTIM. I need help. I need to know how to stop the garnishment, get my money back, and clear my name. Please help me.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (FL)

I have a family of XXXX with a XXXX wife. With threats of garishment of my wages and not being able to have my loans put on hold. Navient and XXXX has completely failed me. I can not afford to make payment and take care of a household at this current moment. The stress is so over the top is makes you want to run away. My loans through Navient started as XXXX {$4000.00} loans and now are over XXXX. Thats more than my income. They acall and pretend that they are from law offices or that they are detectives and to call back a XXXX number. They have called my wife 's cell phone several times in a day causing her stress she can not stress due to her XXXX XXXX They just applied the loans to my credit causing harm making us unable to get certainin loans that were needed to help pay bills. I pray that you can help in this situation against this horrible leech of a company. XXXX
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XX/XX/XXXX Office of Privacy and Civil Liberties XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Citibank Customer Service XXXX XXXX XXXX XXXX, SD XXXX To Sir or Madam I am writing to bring to your attention a serious issue I had with the Citibank. 
On XX/XX/XXXX a representative from Citibank Collection Department called my home. The caller spoke to my spouse and went into details about my credit card bills. My spouse is not my co-signer on my applications. 
I want to report this matter because I feel that Citibank 's representative broke the Privacy Act XXXX LAW. 
I hope to hear back from you about this incident. I can be reached by phone at XXXX at any time or by email at XXXXXXXXXXXX. 
Sincerely, XXXX XXXX XXXX PS The orginal was sent to the above address
Consumer complaint received 2016-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

over the years I have tried to pay my student loans, however, Every company that I dealt with has done me wrong. I 've payed on time and sometime early and extra, so these companies response is to change the payment schedule and how the funds are allocated. This in turn, makes me as late or non-payment. The companies are fedloan ; XXXX, XXXX, college loan, XXXX and XXXX/College loan. Consequently, my principle goes up and I will never be able to pay this off, also it negatively effects my credit rating. I tried out AFFORDABLE LIFE PLAN and it has only made it worse. I pay them a fee on top of repaying the student loan.
Consumer complaint received 2016-07-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (NC)

I financed a vehicle with Exeter Finance in XXXX 2015 alongside a cosigner. I financed it at at 14.7 which was slightly higher than my other vehicle was financed at. A couple months ago I ran into the issue of the cosigner taking off with the car which I know bear some fault on my own part but Exeter has been of no assistance in helping locate the cosigner to notify of lapse of insurance on the car. I also offered to pay the loan off in full if the car could be returned, or I would like to be released from the contract since technically both of these parties breached it. 
Then the other day as I was monitoring my credit I noticed how little had come off the principle. I knew from work that around {$320.00} should come of my principle with the {$410.00} payment. However the amount coming off was around {$190.00}. I was very upset as I read through my paperwork and kept seeing " annual interest rate '' but for some reason being charged a daily interest rate. I paid my other vehicle off and have another one ( since this one was taken ) and I have no issues whatsoever trying to guess what my interest portion of my payment will be. I am very upset and thought Exeter would be like other finance companies I have dealt with who did not hide their charges and understanding of the process.
Consumer complaint received 2017-02-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC. (CA)

I checked my credit report only to find out that my identity was stolen XXXX auto loans from Exeter finance and XXXX and a loan from XXXX bank. I contacted each XXXX of these places and made them aware that these accounts was fraudulent opened in my name. I made a police report and submitted to each company and all XXXX credit bureaus and it 's been well over 30days and I have not received a response
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc. (GA)

I subscribed to XXXX for service. They lied and misled me on the internet i would receive. I told them from the start that i did not know migs and gigs of data, told them that there would be up to XXXX computers running at once and asked them if the data would last through the billing cycle, and they told me it would be plenty.. It was n't even close to enough. When i researched and understood gigs of data, they only allowed XXXX gigs per month. I went with XXXX to save money and it turned out that it would cost $ XXXX {$120.00} per month for internet alone. I tried to work with them and they wanted {$10.00} per additional gig which lasted 2-3 days at most XXXX gives XXXX gigs per month and XXXX XXXX. XXXX misled me and i feel cheated me so i canceled service and now they want {$1000.00} for canceling on them.They ripped me off
Consumer complaint received 2017-03-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (WV)

Navient sent a mass email to myself and 95 other account holders which gave my information to 95 people along with giving me their first and last names along with their email addresses. The email was from a Navient rep stating that I qualified for a new program. Like stated, she sent this email to myself and 95 other individuals which exposed my personal information. She then sent another email to us stating that the email was sent in error. I have been in contact with Navient who claims that they are investigating the email but I am not okay with my information out like that to people I do not know.
Consumer complaint received 2016-02-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NY)

-Good day. I am writing in regards to a 90 day late report that was placed on a cosigners credit report. I have a private loan that is enrolled within a payment program. In XXXX of 2015 I called Navient asking if I could call in my payment two weeks later due to financial issues. The operator that I talked to stated that I could. Nevertheless, my payment showed up late and due to me being in the special program, XXXX late payment backed me up three months ( being enrolled in the program allowed my account to be current, however missing a payment resulted in this 90 day late report, and I am unclear as to why ). My cosigner also got this placed on her report. I am writing because I feel as though this should be removed, specifically from my cosigner who will be needing to apply for a loan soon. I do not want this to mess up her credit, especially since I was given misinformation from the employee at Navient.
Consumer complaint received 2020-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (FL)

SCA Collections - XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, NC XXXX ( XXXX ) XXXX has been trying to collect a medical debt from me since 2016, I never received any notices in the mail. I checked my credit report and saw that they've been reporting negatively bringing my score down. I have since mailed off dispute letters via certified mail through USPS and we have been corresponding with one another ; they're refusing the remove the debt. I was sent a copy of a bill ledger saying that I had a medical procedure done that totaled up to {$370.00}. I asked SCA Collections to provide actual proof that this account or debt belongs to me and on several occasions they have failed to do so. I have filed XXXX XXXX XXXX XXXX complaint and nothing was done, they still refuse to comply.
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MA)

My account has been permanently deactivated without reason for it and I am not able to close it. They are holding my account information forever without my consent. My ability to withdraw my account data from them has been taken away which I did not agree to when I signed up for the account. This is not fair and against the user agreement when I signed up for the service.
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (IA)

My mother had a Discover card, and she purchased the protection plan. She showed it to me when we were going through her records before she passed away. I helped her file a XXXX claim a few months before she died. My mother also told me that the protection plan had a death benefit : the balance would be covered if she died. After she passed I called Discover to inform them of her passing. They told me that she did not have this death benefit, even though they told my mom she did. I sent the death certificate in as requested and immediately received a letter stating the full balance was due immediately. My mom sold everything in the months prior to her death. She was battling XXXX and needed money for hospital expenses. I have consulted our estate attorney, but no progress yet.
Consumer complaint received 2017-04-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

On XX/XX/XXXX & XX/XX/XXXX, I was coaxed into signing XXXX in the amounts : {$5000.00} and {$9800.00} respectively. These ( XXXX ) student loans had an interest rate of 14.5 %. Repayment began the same day funds were disbursed directly to XXXX located in XXXX, NC. 
Between XX/XX/XXXX and XX/XX/XXXX, I made monthly payments totaling {$10000.00}. However, the initial balance increased over a 5-year period. I reluctantly transferred the ( XXXX ) XXXX in the amount of {$16000.00} to my credit cards.
Consumer complaint received 2016-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I have had a federal loan with XXXX ( now navient since 2016 ). Most of my payments have gone towards interest although I have been paying the loan for 10 years, with XXXX forbearances for less than 4 months each. To date, the loan is actually more than it was when I took it out. I 've been requesting an amortization of monthly payments which I have made and an ongoing balance from Navient for the past month by phone and have not been met with satisfaction. Navient says this information is available online, and it is not! They do not offer tech support to customers. 

How can I have paid so long for this loan and not even make a dent in it? I understand paying interest but surely by ten years in I should have paid more towards this loan. I 've benn on income based- for the past three years to get some relief .... 
I need answers and help! 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (TX)

The debt obligation originated with Citibank in XX/XX/XXXX. The terms changed in XX/XX/XXXX and we were unable to reach an amicable resolution for repayment. Since XX/XX/XXXX, I have paid extremely high interest rates due to this XXXX unpaid debt. This obligation has far exceeded the 7 year penalty and should be removed along with all of the other debt collection agencies that have attempted to benefit from this unpaid obligation. However, they keep reappearing and reporting to collect the same debt under different names. This is not only unfair to the consumer but a gross violation if the original debt was over 7 years ago.
Consumer complaint received 2015-08-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CITIBANK, N.A. (WA)

This complaint is against Citi Student Loans : I had a loan with the company from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. I recently requested a complete break down of my charges because I wanted to make sure I was n't overcharged. I got some of the documentation I requested and immediately determined that the XXXX time interest was capitalized on my loan XXXX/XXXX/XXXX that I was overcharged by {$37.00}. So I called the company to point this out to them and the representatives told me I had to submit in writing how much I thought I was overcharged by and they would look in to it. I explained I had only looked and the very XXXX time interest was capitalized and stopped there because if I was overcharged at that point then everything going forward would have been overcharged. I was again told I need to submit a figure I thought I was overcharged. So I asked if I was being told I had to take the time to calculate the figures for the entire loan including every single payment made over the 5 years I was making payments and I was told that was correct. I told the representative that I 'm pointing out the mistake in the beginning and based on that the company should look over my entire loan, and to ask me to do it and if I do n't that nothing will be done was not acceptable. This treatment seems to be illegal or at least unfavorable to the customer.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I graduated back in XX/XX/XXXX with my XXXX in XXXX. Starting in XX/XX/XXXX I started with the loan that I currently have ( Was once known as XXXX now they are Navient. ) At the time I had no job but had a sum of money in the bank. So in a sense I should have been able to have been given options to replay my debt. They forced me into forbearance since I did n't have a steady income or job. The one I applied for stated that interest would not be charged but my debt increased overtime and now I have applied for forbearance again ( since I was not presented with any other options in my case ) but with interest on top. 
Also - I have received these " statement update '' emails from them. They were extremely vague, so much so that it was n't until nearly XXXX months later in the year of XX/XX/XXXX that I found out I was overdue in payments by XXXX months in which I had no choice but to file for forbearance for. Just recently they started to deduct points from my credit score. What is strange is that they have never done this XXXX XXXX. Actually no info about my loans showed up in my credit score until RECENTLY AFTER I applied for a forbearane with interest on top. In all of the time I have been with them, they never reported, even during the few times that I have let the due date roll by due to very vague emails. 
I also never received phone calls unless it was the above issue. Ever since that has happened, I have had XXXX phone calls, quite a number from them, from other credit services and more. Now I am close to {$70000.00} in debt, in a forbearance that will add even more interest to that amount and simply very confused about my options because now that loan company is getting sued/in the process of it and would like to know my options. I am living check by check while doing freelance work in my field. I am working towards my goal but with this huge debt and the very little options they presented with me, I do n't think I will be able to live at least decently for a while and that scares me. I would like to know my options.
Consumer complaint received 2016-05-27
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (NE)

Harris and Harris, Ltd. started calling my parents ' number. My parents called me about this, but I do not know when it started. I have not lived there for over a decade now. I can tolerate whatever they want to throw at me, but my parents have enough stress and poor health, so I want them to cease immediately with the possible exception of XXXX phone call or letter apologizing. 

I also do not want my financial information disclosed to my parents or others. I am the only XXXX they should be contacting. 

Also, I called XXXX XXXX days ago and they said they had pulled the case from debt collection for at least 90 days.
Consumer complaint received 2015-08-25
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: MNS & Associates LLC (OH)

I have been getting phone calls from the number XXXX for over XXXX years now. I have told them atleast XXXX times that there is nobody by that name on my number, but they still keep calling me asking for that same person. Its a different voice or person each time I have attended the call.
Consumer complaint received 2016-09-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (AZ)

Continued calls to my phone two or three times a day for 7 months. The number calling, XXXX XXXX XXXX does not leave message and when I have answered, no one speaks but simply hangs up. We are seniors living in retirement and have no debt as our home mortgage paid off many years ago. The company calling is CBE Group as when I called number back a recording gave this business name. We are also on DO NOT CALL REGISTRY. Obviously the company is either trying to sell something or have wrong number. We consider these calls to be harassing to us and muse stop at once. We will hire an attorney if necessary to cease this type of repeated harassment.