davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

In 2012 I made a payment arrangement with Navient. I pay them {$100.00} every month since XXXX of 2012. This year they took my federal tax return as payment, saying I was delinquent. I was under the impression that when the payment arrangement was made it would bring everything current and I would continue to make my monthly payments. They submitted a request to take {$4200.00} of my tax return, leaving me with nothing. I 'm a single mother of XXXX, pay for everything on my own and I was really depending on my return to catch up on bills, get heating oil for my home and have a cushion for this year. When I contacted them I got a run around, transferred to central credit services instead of them, continually sent to an extension that requires you to leave a voicemail, yet you ca n't leave a voicemail so it hangs up on you. I do n't understand how they can take my refund when I make payments to them monthly.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

THE INQUIRIES LISTED BELOW ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER TO FILL SEVERAL FRAUDULENT APPLICATIONS IN MY NAME I DID NOT SUMMIT THESE APPLICATIONS 1.XXXX  2.US SM BUS ADMIN ODA 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX
Consumer complaint received 2015-03-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Sir Madam Each month I receive statements ( demands for payment ) XXXX for the following month and XXXX for the month that has been paid but dosement acknowledge that payment. I want Chase Bank to stop sending us a demand for payment, for a period that has already been paid. Just to be clear we receive XXXX bills for every loan that we have. This is confusing and will eventually cause a laps in payment or an over payment. Which I want to avoid both they are blaming the federal government. I would like to have any payments already made to be acknowledged since we pay the stated amount before the statement is sent. If the statement amount has already been paid the statement should at least state that. This practice is bound to cause a mistake that will cost me money for a late payment or something like that. 
I would like to point out that JP Morgan Chase bank is a convicted felon, convicted by due process of law and as I understand they have admitted to these wrong doings. 
I also do n't think you the c.f.p.b. will not intervene in this case you people have been of no help in the past XXXX XXXX
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (PA)

Recently, Chase increased my purchase rate by 2 %. I pay on time and always more than the minimum amount. Upon contacting Chase they blamed the increase on government regulation and an increase in the prime to 3.5 %. I 've had this card for years and a prime increase or decrease never affected my rate. Chase 's only resolution was that I could close the account. The rate should not change.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CT)

I opened an account with Chase Bank XX/XX/XXXX and immediately after began to receive pre-screening offers for their XXXX and XXXX XXXX. XXXX of that year I requested a credit limit increase which required Chase to pull my full report. At the time that the report was pulled I had XXXX accounts which had been opened within the past 24 months. Chase granted the credit limit increase and continued to send the pre-screening offers for both their XXXX and XXXX products. From XX/XX/XXXX to XX/XX/XXXX I was sent an offer for the XXXX and XXXX cards once a week every week for the 8 months. In XXXX I decided to apply for the Chase XXXX and I was declined. The only reason listed on the decline letter was " Too many credit cards opened in the last 2 years '' which at the time was XXXX. I contacted Chase and asked them why they would send so many offers for the XXXX if they knew I had a high number of accounts opened in the last 24 months? They stated that its not their obligation to inform their marketing department of any information obtained from pulling my credit. I do n't think that 's right or fair. They pulled my report 8 months before and saw the number of new accounts yet continued to send me offers for a product I was n't unqualified for. Now I have to have the inquiry negatively effect my credit simply because they refuse to share information between departments.
Consumer complaint received 2017-04-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMCOL Systems, Inc. (FL)

AMCOL Systems Inc. are trying to collect a debt that is not mine. I notified them XXXX XXXX, 2017 of this error and again on XXXX XXXX, 2017. Both times were in writing. The debt belongs to my son who is a XXXX. I am the XXXX. AMCOL has posted this to my credit reporting agencies which caused my credit score to decline. As of this date, XXXX XXXX, 2017 AMCOL has not communicated with me at all. They have not removed this from my credit reports. I did make a comment to my credit reports that these are not my bills. So far my score has still not changed. Thank you for your assistance to this matter.
Consumer complaint received 2016-08-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CO)

While in XXXX, someone gained access to my debit card information and made a series of withdrawals from my account totaling over {$970.00}. Upon returning to the US I discovered the issue and reported the fraud immediately to Chase. They filed a claim and gave me a temporary credit. Three weeks later, I notice that they are reversing the credit from my account without any notification or explanation. When I call Chase they inform me that my claim was denied because ( they claim ) I logged into the website twice between the date of the fraud and the date I reported it. I have no way of knowing if it was actually me who logged in or not, and they have provided no proof. They claim it must be me because there was a login, despite the fact that someone was clearly stealing my information at the exact same time in order to make the withdrawals. Even if it was me that logged in, why does logging in to pay a credit card get them off the hook for losing nearly {$1000.00} of my money? They refuse to give me any additional information or provide a credit to replace my stolen funds, apparently all because of this unproven loophole. I plan to cancel my account and never give any business to Chase again in the future. Clearly this login policy is designed solely to deny valid claims of fraud and save a XXXX dollar company a few XXXX bucks that come of out my pocket.
Consumer complaint received 2016-04-22
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JPMORGAN CHASE & CO. (AZ)

Today I received a 2nd call from XXXX ( XXXX XXXX XXXX ) regarding an alleged debt they are trying to collect on. 

Today however, they called my son ( how did they get his cell phone number? ) who called me and gave me their number so I called them to find out who they are. A lady answered " XXXX '' and I asked my questions, ( who they are, what they do etc ) after answering my questions she asked " can I get your name? '' I replied " No, I just wanted to know who you were '', as i went to hang up the phone she says " wait are you XXXX? ". Now I would like to know how she knew who I was since I was calling them from my employers land line. 

Also, when she asked me to confirm the last XXXX digits of my social, which she had correct, she stated this was for some outstanding debt from many many years ago, I said that they had called me before, about a month or so ago and this was illegal, she responded with " no, we just bought this debt, we 've never called you before ''. I then asked how they could " just '' buy a debt that had been paid in full or dismissed in a bankruptcy 10+ years ago and of course she says she does not know and will remove my name from their list. 

Now I understand there are bottom dwellers all over the world, as well bad debts, but this and all debt collection processes are regulated by federal & state law. I believe it is time for these people to answer for their blatant disregard for those Federal & State Laws as well as their deceptive scare tactics and lies. 

They have multiple complaints filed with the XXXX which they are not members of as well as multiple complaints filed with various agencies around the country and lots of bad reviews. Their online presence also consists of several fraud warnings suggesting they are a " scam ''. 

I would like to see these guys either put out of business or seriously fined for their illegal acts if they are a real business or arrested if they are a scam. 

The information they provided me is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NY XXXX Phone : XXXX FAX : XXXX
Consumer complaint received 2015-08-26
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (WA)

A CHECK WAS WRITTEN OFF MY ACCOUNT AND HONORED WITH NO PAY TO THE ORDER AND NO ENDORSEMENT ON THE BACK OF THE CHECK. I INVESTIGATED AND DETERMINED THAT THE CHECK WAS STOLEN FROM MY HOME WHILE I WAS NOT THERE. I REPORTED THE ISSUE TO JP MORGAN/CHASE BANK AS SOON AS I WAS MADE AWARE OF THE FRAUDULANT CHECK. I WAS TOLD THAT BECAUSE I DID NOT KEEP MY CHECK BOOK IN A LOCKED DRAWER AT ALL TIMES I FAILED TO PROTECT MY ACCOUNT AND THEY REFUSE TO REFUND MY MONEY. I HAVE TAKEN ALL THE CORRECT ACTION TO PROVE THIS CHECK WAS NOT WRITTEN BY ME INCLUDING FILE A POLICE REPORT AND PRESS CHARGES. THE REPORT NUMBER IS XXXX THROUGH THE XXXX COUNTY SHERRIFE OFFICE. THE INVESTIGATING OFFICER IS XXXX XXXX ( XXXX ) XXXX. I AM AN XXXX YEAR OLD WOMAN ON A FIXED INCOME AND CAN NOT AFFORD TO GIVE UP THE XXXX THAT WAS STOLEN FROM ME. DUE TO THIS INCIDENT I MAY LOSE MY HOME AS MY RENT CHECK HAS NOW BOUNCED. ANY HELP THAT YOU COULD PROVIDE ME WOULD BE GREATLY APPRECTIATED.
Consumer complaint received 2015-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WA)

My husband and I had a judgment made against us in XX/XX/XXXX. In early XX/XX/XXXX we made a settlement agreement with the collections company. We were able to pay off the account in full in XXXX. We both then received letters confirming our account was " Paid in Full. '' ( see attachments ) In XX/XX/XXXX, my XXXX account showed a new account open in collections for a new amount ( {$1000.00} ) as well as a drop in my credit score. I called the collections company listed and confirmed it was the same collections company representing the original company. They told me to call the original company about the issue. Shortly after the phone call to the collections agency, the reported open collections account disappeared from my credit report but my score was still lowered. In early XX/XX/XXXX the same thing happened. A new amount was listed under an open collections account ( {$1000.00} ) and my credit score dropped again. Same collections agency listed, same original company. It then disappeared again but my credit score remained lowered. This judgment was made in XX/XX/XXXX and we have had no further business with this company. It was settled and closed in XX/XX/XXXX. They have no reason or cause to continually be reporting open accounts on my credit report. I have not been notified in any way of having an account be at risk of being sent to collections. My husband has had no such issues with his credit report. It seems as if I am being targeted. This is greatly affecting my credit score as it lowers my credit score each time it happens.
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (UT)

After repeatedly calling Citi for 6 months trying to resolve my concerns, I submitted a complaint against Citibank in XXXX ( CFPB Case # XXXX ). In response to that complaint, XXXX XXXX, a Client Liason from the Executive Response Unit responded stating Citi would honor my request for XXXX Thank You points and that those points would be deposited in my account in 30 days. I had been paying a $ 30 monthly fee on my account waiting for Citi to award the points. I finally closed my account on XXXX XXXX in order to avoid any more fees. On XXXX XXXX, 2016, I called Citi to inquire about the points. I spoke with XXXX, a customer service agent and XXXX, a supervisor. XXXX informed me that there was no record of Citi 's letter stating they would give me the points and even going so far as to insinuate that I had created the letter myself in order to defraud Citi. A copy of the letter is posted on the CFPB website under my Case #. I have literally spent hours on the phone trying to take care of this matter myself. I am frustrated that it takes hours and intervention by the CFPB to get Citi to make good on their promises.
Consumer complaint received 2017-01-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (TX)

I called Chase bank to request a lower interest rate. I was told that no lower interest rates are available, yet the terms and conditions on their website states it does offer lower rates. When pressed further I was then told that lower rates do exist, but they would not extend those rates to me and keep transferring me around. I feel I am being discriminated against somehow, when I have perfect credit yet will not extend those same rates to me as others.
Consumer complaint received 2016-11-01
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

Fraudulent Checks and fraudulent withdrawals were deposited and removed from my college students Chase account. The crime was committed by use of of a credit/debit card and the criminal also knew the pin #. The several checks were deposited, which was over {$3000.00}, ALL written by a " XXXX XXXX '' to someone name XXXX XXXX via a Chase ATM machine. Then the criminal went on a spending spree! The bank alerted us about the transactions via text message which we responded to ASAP. The bank was called and I thought it was all taken care of, the college account was closed, END OF STORY! Well several weeks later Chase Bank withdrew {$3000.00} from my ( the parent ) savings account. I reached out to Chase bank again reported the problem. I explained to them that it was ALL fraud! And if they could look at previous transactions with the account they would see that it was not the norm. I also asked if Chase Bank could just look at the camera where the checks were deposited & they could then see that it was not my college student. But Chase refused to investigate the identity theft/fraudulent deposits or withdrawals. Chase bank told me that since I looked at my Chase Mobile account while the transactions was taking place, that I did not act quick enough to inform them of the crime. However the bank was called right away, I have a letter from my college students school and the attendance roster, stating my college student was in class at the time of the crime, and the crime took place 3 hours and 45 min away from the college. A police report has been made and we have requested a warrant be placed so that we can get assess to the video from the bank. I have record of when the bank reached out to my college student, and I have requested copies of my phone records to prove a call was made to Chase bank as soon as we became aware of the incident. Not only did Chase withdraw the {$3000.00} from my saving account they also charged me the transactions/overdraft fees and kept the remaining money in the college account. So actually this complaint is about a college checking account, and a saving account that was has unauthorized/disputed FRAUDULENT transactions. The fraud was from a college account, the {$3000.00} was removed from a saving account. Primary Account information provided.
Consumer complaint received 2016-12-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (PA)

I made a deposit at key Bank ATM funds are supposed to be and advertised of being available immediately however there ATM malfunctionined and after calling the branch when open following day was told yes there ATM balance was over and they did make a mistake however I have to wait 7-10 days for my deposit to be credited, not only did this anger me but the women I spoke with at the branch was highly unprofessional, spoke to me in a way that made me feel undervalued, underappreciated, and told me false info that I need to come into branch and file paper work to get my money back I also asked to speak with branch manager and was told that is not possible.
Consumer complaint received 2016-04-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ESCALLATE, LLC (IL)

Dear sir/madam, few months back I submitted a complain concerning a company know as ESCALATE LLC for collecting a false debt from me. 

Until today such false debt continue to appear on my credit report despite my initial complain. ( XXXX and XXXX ) few days back I notice on my credit report that another company known as XXXX XXXX put a note on my credit report stating that I was own them, I called the company to find out what transaction I had with them because I knew I was not owing them. But the company XXXX XXXX told me that they bought some debt from ESCALATE LLC that has my name on it. 

dear sir/madam I am not owing any of these companies or their affiliate and I do n't see the reason why both companies should note on my credit report that I am owning them same debt despite I know I do n't. 

this is I D theft i will be glad if your office look into this matter
Consumer complaint received 2016-05-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (WA)

XXXX XXXX serviced transferred a loan during a loan mod review 2 weeks before foreclosure deadline. We had been under going a review atleast 2 months 6 weeks before and file was complete. When we called Selene Finance whom the loan was transferred to, they said loan mod was denied and no time for any other options. I requested a last ditch effort to atleast help client get a short sale approved in order to avoid foreclosure, and they have never tried to postpone a sale before. This is their first Foreclosure date and we are asking Selene Finance to give us one shot at this. The seller is single, with XXXX kids, XXXX with XXXX, and they have nowhere to go. I 'm pleading your help to get Selene Finance to grant a short sale review and relocation assistance if possible she can qualify.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2016, I went to a local Chase bank in XXXX, NY to open a checking account. I spoke to a representative and opened a checking account. While I was there, I also inquired about a credit card. I was considering transferring my credit card balance from my current bank to Chase. I submitted an application and the employee instructed me that she was not able to transfer the entire balance onto a Chase credit card. 
After that, I told her I was not interested in getting the card since I could not transfer the entire balance. I explicitly told her that I did not want to open a Chase credit card and I only wanted to open the checking account. I signed to open the checking account but I did not sign for the credit card. 
The next day, I received a voicemail from the same employee telling me that she did not have the authority to cancel the credit card and that only I could cancel the credit card. She instructed me to call the Chase credit card department to make a cancellation. I then logged onto the Chase online banking application and saw that the employee opened the credit card in my name, after I instructed her not to. 
The next business day, I went into the same Chase bank and asked to speak to the bank manager. They told me the manager was not there and not available for any appointments. I then closed my accounts. When I voiced my concerns to the teller, she acted as if I was the one at fault and that I did n't understand how credit cards work. Without a doubt, Chase banks fraudulently opened a line of credit in my name. I would advise any future customers to take their business elsewhere.
Consumer complaint received 2015-08-20
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SIMM Associates, Inc. (TN)

I have a student loan that was cosigned by my grandfather. Simm Associates on XXXX XXXX, 2015 apparently was attempting to contact one of us reference this loan. The person representing this company left the following voicemail on my parents phone : '' Hi this message is intended for XXXX XXXX XXXX or XXXX XXXX XXXX. If you are not XXXX XXXX XXXX XXXX XXXX please hang up. This is XXXX calling from Sim Associates. Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I need a return phone call back today. My number is XXXX. Refer to file number XXXX. " Someone from Simm Associates had spoken to my grandfather around the XXXX of XXXX. Apparently the company did not like the information my grandfather gave them so they continue to call looking for me. 

My complaint is does n't the voice mail violate the FDCP Act? It is my understanding that according to the act they can communicate with a third party by advising who they are and obtain location information. It is also my understanding they ca n't advise they are a debt collector and that I owe a debt.
Consumer complaint received 2016-08-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MS)

Loans from XXXX which I never attended. A duplicate loan from XXXX XXXX XXXX was taken out after I had left Texas. This was turned over to a collection agency and I signed an agreement, because my wages were being garnished. I never saw the details of the loans until after I signed the agreement. I just found out about the XXXX loans this year.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (WV)

I can not get them to work with me with my interest rate and payment. I know that I took out the loans but the state I live in pays absolute ROCK bottom for my field of study. I ca n't find another job because the school I attended shut down for lack of accreditation the year I finished and my degree is now tainted.