davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FM)

I had a Loan Modification granted after 3 years working with XXXX different Banks first was XXXX where I was offer a modification, a trial period was set for 6 months where I was paying about {$1700.00} a month for 6 months when I finished the 6 months the bank did not grant me the modification and send me a letter telling me that they will not longer service my loan and will be transfer to Green Tree where my principal was increase in {$140.00} and also the Interest to 6.125 % I accepted this modification since I work very hard and give a substantial down payment my payment was set to be {$4100.00} and 3 months later increase to {$4200.00} then to {$4300.00} and 20 months later to {$5400.00} where it was impossible for me to make this payments. I contacted the Institution Green Tree and they said they will try to HELP me modifying the payments back to the original {$4100.00} but I have to continue making payments at this point I ask my relatives for help and they help me for over 6 months where Green Tree one more time offer to modified the loan and go back to the original amount off {$4100.00} but This never happen and the loan one more time was transfer to Ditech Financial where My loan Number and the rest of my information never change only the name Green Tree to Ditech Green Tree was name in XXXX large class action Law suits where recently I was add to be part of the claim against them for irregularities on my loan. 
Dithech send me a letter inviting me to a meeting organized in XXXX XXXX for different banks to help people like me with Mortgage Problems where I was inform by Ditech personal that my loan HAD MANY IRREGULARITIES and one more time was offer a modification They ask me one more time to submit all the paper work via fax witch I did but they keep telling me that they did not received them at this point I begin to send all the documents via CERTIFIED LETTER at least 2 times this time they accepted that they received them, but coincidentally I just reconceived a letter from Ditech telling me that since I have not pay my mortgage for 6 months I am not eligible to be considered to modified my loan. I send every paper the requested by Fax and also by certified mail at least 2 times in the past 6 moths but one more time they refuse to gave me a loan modification.
Consumer complaint received 2017-02-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (LA)

I withdrew {$400.00} from a bank branded atm XX/XX/2017. I was only given {$80.00}. I have contacted the bank multiple times to receive a credit back into my account. I have been told multiple dates and was last told the credit was n't due to my account till XX/XX/2017. It is now past that date and I still have not received my credit. I was guaranteed on or before XX/XX/2017 by a senior claims specialist.
Consumer complaint received 2015-10-08
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (IN)

I owed a credit card company a principle amount of money in XX/XX/XXXX. In XX/XX/XXXX they filed against me in court. I never received a letter of documentation stating I was being sued. In XX/XX/XXXX they began collecting and so far I have paid out almost 4 times the principle amount plus interest and I continue to have my wages garnished.
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

I made a withdrawal for {$400.00} using my Chase Bank ATM debit card on XXXX XXXX at a local ATM machine and only received {$160.00}. I filed a complaint with Chase Bank on the very same day and was told I would recieve a temporary credit within 12 hours. Twelve hours passed and I received no credit so I call back and was told to wait until the end of that business day or in the morning. I waited as was instructed and was still never given my credit. I was then told to wait 48 hours and still never received my credit. Afterwards I called and was told there was an error concerning my temporary credit and that 's why it 's taking so long and I would have to wait another 48 hours. It 's been 2 weeks now and I 've still yet to relieve my {$240.00} credit. To make matters worse my account is now $ XXXX due to overdraft fees because of this. I barely make above minimum wage and I have XXXX XXXX XXXX XXXX. To hold my bank account hostage like this especially during the holidays is atrocious. My direct deposit is supposed to hit in 2 days and I 'm going to be $ XXXX. I have a child to support and I need every penny I 've rightfully earned.
Consumer complaint received 2016-09-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (CA)

We purchased a car XXXX. We noticed that our payments were not being reported to credit bureaus. Therefore, we have been subjected to a financial hardship. We have sent numerous docs that the agency has asked for and they keep losing it. They refuse to report payments but accept payments with no hassles.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: JPMORGAN CHASE & CO. (AL)

On my credit report the creditors that are reporting late payments have been submitted under the freedom debt relief program. The companies are continuing to report negatively when they know they have been contacted by this company for a debt settlement. If you would look at my credit report before the program which I started in XXXX, my credit for paying bills on time was 99 %. The creditors have also been contacted not to call me and but they continue to do so anyway. So my problem is very difficult for me when I have always paid on time but to see my credit score drop drastically as like it has is devestating. It 's an unfair practice for creditors to continue negative reporting when they know the circumstances of the consumer. It 's like they are trying their best to sabotage a consumer 's credit history. It should be something done so that they would not to continue to report negative reports when they know the consumer has contacted them concerning debt relief.
Consumer complaint received 2018-05-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BOK FINANCIAL CORP (OK)

XX/XX/2018 {$200.00} plus a {$3.00}. fee was withdrawn from my account with XXXX XXXX XXXX, XXXX XXXX. The withdrawal was done at an ATM in XXXX, Ok. We live over 122 miles from XXXX and were no where near XXXX . The bank claims the withdrawal was done with my atm card and the person new the pin number. Impossible. In my XXXX years of living, I had NEVER allowed anyone to use my atm card or a credit card. There were additional purchases made with the card totaling just over {$300.00}. I nor my wife were responsible for these charges and the bank is refusing to return the money to my account Four days later, XX/XX/XXXX I had a XXXX XXXX and was flown to XXXX to XXXX XXXX hospital. On Wednesday, XX/XX/XXXX my wife and son were visiting me in the hospital when my wife indicated she was hungry. She had no cash nor did I. Therefore, for the first time in history I gave my debit card to our son and instructed him to go to the bank and get {$100.00} cash so they could eat. This was done with my approval and I received the receipt from him relative to the withdrawal. But this was seven days AFTER the initial withdrawal of {$200.00} from the ATM.

The bank is refusing to refund the money to my account, We are not liable for the expences and would like your assistance in retrieving the money for this theft.
Consumer complaint received 2015-06-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: JPMORGAN CHASE & CO. (NY)

I learned of a debt with Chase Bank on a credit card that was totally made by my estranged/then ex wife over XXXX years that I did not even live at the address the billing was going to. She forged my name and used my SS number and information to open the card and I never had a card on the account. I stopped living at the address the billing was going to in XX/XX/XXXX. On XXXX XXXX, XXXX she sent me the bill in the mail during the pendency of our divorce and told me to pay it. She also changed the mailing address for the billing and the phone number to mine at that time. On XXXX XXXX my court order for divorce clearly made the bill not mine and hers and she was told to take my name off the account. Which she has not done as yet. The FTC was contacted in XX/XX/XXXX on this Fraud, Chase Fraud department was contacted many times and sent copies of the court order, The local State Police had the fraud complaint filed with them, the NYS AG had the fraud complaint filed with them. 
All of this documented and on record. And my credit file says disputed and called fraud as it was. I am waiting to go to court again with my exwife to enforce the court order as we speak. 
At XXXX on XX/XX/XXXX I received another harassing phone call from a girl at Chase Bank threating me that " I will never be able to get a loan again for less than 6 % because of this card ''.
Consumer complaint received 2015-08-19
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: JPMORGAN CHASE & CO. (HI)

This complaint is for Chase Bank with business address at XXXX, Texas XXXX USAI needed to send money to my boyfriend who is currently in XXXX. He has to pay some fees to the XXXX government. But my boyfriend has no bank account in XXXX to receive my wire transfer. He ca n't open XXXX because of lack of requirements being a foreigner there. So he asked help from a friend. This friend gave him the details of his friend in XXXX, Texas who will receive the wire transfer money from me. Once the beneficiary receives the money from me, he will call my boyfriend 's friend to confirm that he received the money, only then will my boyfriend 's friend will deliver the money in XXXX to my boyfriend. That was the arrangement when I asked my boyfriend on how could he get the money. 

So on XXXX XXXX, I sent a wire transfer in the amount of {$12000.00} to XXXX XXXX to his Chase Bank account in XXXX. But after an hour or XXXX, I received an email from my boyfriend 's friend for me to cancel the wire transfer. So I called my bank to cancel the transaction but the bank said the wire transfer was already debited from my account and was already sent to Chase Bank. So my bank called Chase Bank and requested a call back funds. 

Chase Bank confirmed that the {$12000.00} that I sent was credited to XXXX XXXX Chase Bank account. But because Chase Bank can not get hold of XXXX XXXX, Chase Bank closed his account so that he could not withdraw the money. XXXX Chase Bank employees called me and verified if I was the sender by asking questions regarding the wire transfer and I answered them all. 

Since then, I made follow-ups for my call back funds but my bank said they have not received a response from Chase Bank. I was too worried because my boyfriend needed the money. 

On XX/XX/XXXX, I sent a letter to Chase Bank to send me back my {$12000.00}. But Chase did not reply. And again on XXXX XXXX, I sent a follow-up letter to request the return of my money, but still no reply. 

Chase Bank-XXXX has no right to withhold my {$12000.00} for the reason that they were still investigating since XX/XX/XXXX, if the money is allegedly for funding terrorist activities. They should have finished the investigation after XXXX months. Chase Bank should return my money by sending me a check in the amount of {$12000.00} and send it to my mailing address not through a wire transfer because my bank has closed my account. 

It 's my money. Chase Bank has no right to withhold it for a long time. 

XXXX XXXXComplainant
Consumer complaint received 2017-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NC)

My student loan was transferred to Nelnet around XX/XX/2015 ( about {$64000.00} ). I had been happily paying {$550.00} per month ( {$190.00} to principal, {$360.00} to interest ). In XX/XX/2015, Nelnet reduced my automatic payment to {$340.00} ( without asking me ). I assumed they knew what they were doing. Wrong. They used all that payment to pay interest without applying anything to principal! I am now two years behind in lowered principal plus, my loan amount is now up to {$64000.00}! I contacted them last month and they agreed to raise my loan payment. It is now {$570.00}. But, they are only applying {$35.00} to principal and {$540.00} to interest! My rate is supposed to be 6.625 %. Where is all this interest going? At this rate, it will take me 153 years to pay off this loan! ( 153 x 12 = 1836 months which equals {>= $1,000,000} of payments ). Of course, I will be long dead by then. Is n't this malpractice? In my business, I would lose my license for doing something like this.
Consumer complaint received 2016-10-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (GA)

On XXXX XXXX, 2016 I had a XXXX balance in my CHASE checking account, then on XXXX XXXX, an incoming recurring debit card transaction hit my account, at which time CHASE arbitrarily decided to push through a debit card transaction in the amount of {$99.00} and then billed me a {$34.00} insufficient funds fee. I called customer service to find out why the transaction was not declined, I was told by the agent on the RECORDED CALL, that CHASE reserves the right depending on account standing to pay for transactions that come through the account and then as it turns out, charge their loyal customer for their generous act of kindness. I then told her that I signed a document stating I did not want CHASE to pay for ANY DEBIT CARD transactions when there was n't enough money in my account to cover the purchase. She then proceeded to tell me that " I know, it 's confusing, CHASE corporate is actually trying to figure out a way to make this less confusing for customers since they are confusing us paying for debit card transactions with overdraft protection. '' I do n't want overdraft protection, I do n't want ANYONE to pay for transactions on my account when there is no money in it. They are gouging the public with deceptive practices, they even admit there is no rhyme or reason, CHASE pays the transaction and then gets rich billing their customers NSF fees. Laws are enacted to limit the amount of fees these big banks charge in a given day, and then these banks find a way around the laws in order to still bill those NSF fees. I 'm shocked there has not been a lawsuit brought against these banks because of this as of yet!
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP (IN)

I have recently went to work for the XXXX and was asked to have HR apply for a travel card for me for overnight travel. Once HR applied, it came back rejected because it showed my SSN with an outstanding Gov. CC already for {$450.00}. I had to contact US bank who is the governments CC issuing company and could not get a straight answer from anyone at all. First, I was told it was a prior Government CC, then it was n't, then they kept asking me for my CC number and I kept telling them I never had this CC and do not have a number. I spent over 12 hours and several lost man hours on this issue. After speaking with 4 different supervisors and Mgrs including Fraud supervisors, I was finally told that this account was actually a corporate account and although it was issued with my SSN back in XX/XX/XXXX and was closed out in XX/XX/XXXX after company ( XXXX ) failed to make remaining balance on card paid down to 0 balance. Fraud explained account was too old to trace back, but yet no one was willing or able to explain how this balance shows on my SSN. It has never been reported on my credit report and they say it 's because its a corporate CC but wer not willing to write off or delete this past due or prior debt which was never mine in the 1st place. I was in the XXXX back then and have never had a CC with or for XXXX time I called, I was given a new XXXX number to speak to a supervisor or someone who could assist me, not to mention I had to start from scratch each time I made a new call or had a new supervisor on the phone. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and another XXXX at these numbers : XXXX/ XXXX/ XXXX/ XXXX. My government coordinator has tried to assist me as well and same answer was given to her. This was never my account and not to mention its XXXX and was closed out in XX/XX/XXXX, It is keeping me from obtaining a Government CC because US bank is who the Government uses for all of our CC 's. I really need this issue resolved and removed from my SSN so I can obtain a new CC for my work travels. 
Thank you XXXX
Consumer complaint received 2016-04-07
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (PA)

I applied for a line of credit with care credit thru GE I as originally denied but was told I would be approved if I had a cosigner. I got a cosigner and was approved. I received a welcome letter and XXXX cards in my name. When the bank changed to Synchrony bank I received another letter. a few months later I called Synchrony bank due to not receiving a statement and I was told that I did not have an account. I argued with the rep to no avail. They said my cosigner was the only one on the account and I was just an auth user. The only info they have on my cosigner is name, ssn and dob. No phone number, no address, no employment was ever disclosed on the online application that was in my name. This was about a year ago. Now I call into Synchrony bank to get a payoff and they are saying again that I am not allowed to get any info. Also, I have been making more than the min payment amount and some months pay XXXX or XXXX payments a month. Synchrony bank does not credit my account for payment for the month paid if the payment is before the due date. that 's right. if you pay your account on the XXXX of the XXXX for your XXXX bill which is due on the XXXX your payment is posted to XXXX and you are then considered late pay and hit with a late fee and additional interest. I pulled the payments on line from both my bank statement and the payment postings on my Synchrony statement they all do show up each and every month, not missing a month and some times XXXX or XXXX payments a month but some were posted before my due date so they were not applied to that month. So I am being punished for making additional payments during the month to pay off the loan sooner and Synchrony stealing from me. I am not trying to pay months ahead I pay each month for that month and add more payments to lower my total amount to be charged interest, I am sure that I am not the only person this is happening to I have read many online complaints and it seems to be their standard practice. I totally see and will seek a class action law suit against synchrony bank.
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Overlimit fee — 
Company: SYNCHRONY FINANCIAL (FL)

I have a Walmart Card with Synchrony Bank. When I opened the credit card I had a balance of {$500.00} in 2014. I was offered not interest on the card for 3 or 6 months. I paid my payments each month, and I also paid off my balance. Every time I paid the full balance, I got a letter from Synchrony Bank stating that they reviewed my credit report, and due to my score they will need to lower my balance. They did this each time I paid the full balance. My credit balance went from {$500.00} to {$100.00}. When they first changed my balance, I did not know, and they lowered my balance below what I had charged. This change in my balanced cost my payment to change from {$25.00} to {$30.00}. When I received my next bill, Synchrony Bank had charged me an additional late fee. I do not understand how a credit card company can practice Re -pricing based of off unrelated accounts. I truly believe I am being discriminated against because of my race, and because I continue to payoff my balance on this card.
Consumer complaint received 2016-10-21
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: BARCLAYS BANK DELAWARE (FL)

I am going through severe financial hardship. Barclays Bank continues to call demanding outrageous sums of money that I can not afford and threaten to continue to report negatively to my credit report if I am unable to. They are refusing to offer a reduced payment plan or anything that benefits me. I spoke with a member of management named XXXX XXXX who basically told me " too bad '' and she is not obligated to help me and my only option was to pay the amount due. Other banks have understood and have complied and are working with my current situation, Barclay is not. I have had an outstanding history with them for many years and instead of helping a loyal long time customer, I have lost half of my credit line and am being treated like a criminal.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (NY)

Additionally, I h ave a Fraud Victim Alert in pl ace with all  XXXX  credit agencies due to being victimized in  XXXX     2016. It is an extended Alert purported to be in place for 7 years ( 5 according  to  XXXX  agency ). I continue to receive Unwanted marketing with pre-approved credit.  XXXX  told me this is not supposed to happen with  a Fraud victim Alert in   place. This has necessitated me to have a locking mailbox as an extra pre-caution, and continues to this day unabated. In fact today I received  XXXX  new catalogs which I did not request. How does this happen? What does the alert do, if not prevent this?
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (TX)

I lost my job due to career change. I had to take a job in XXXX, Texas. My primary residence is in XXXX, Texas. I discovered Lowes Home Improvement was charging me an excessive 24.99 % APR and called them to ask for help since I was having financial difficulty managing XXXX separate households. They connected me with Synchrony Bank hardship department. The understanding I had with them on the phone was they could help me with a lower interest rate, BUT, I needed to close my account first. So reluctantly, I closed the account. However, its now been over a month since I did what they asked and I have yet to see a lower rate? All I 'm asking for is a little help. I do n't feel like {$150.00} a month in interest is fair. Especially towards someone that 's been a valued customer for over 15 years. I just ca n't see the logic in paying that much interest on an account that 's since been closed. Please help me.
Consumer complaint received 2017-02-13
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CHECK INTO CASH INC. (TN)

I am trapped within XXXX payday loans and was unaware that there is a {$500.00} Max for Payday loan. The lenders did let me know that I could only have XXXX loan of {$500.00}, because of this I am unable to cover all of the loan payments. They kept wanting me to rewrite the loans and start over. I am trapped in a never ending cycle and do n't know how to overcome this situation. Please advise?