davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NV)

About 2 months ago I called Navient because my loans came due and I finally am in a place financially where I can start paying them back But, the crux is I can not give these people $ XXXX- {$800.00} dollars a month, I 'm sorry that 's more than my rent! So I started the process of consolidating all of my loans ( Even my private loans I made sure of that ) and getting a lower payment. My payments were n't supposed to start until next month, XX/XX/XXXX ... they lied to me about that, I got a bill for this month and paid it ( {$160.00}, I wo n't complain about that ). The problem is I have been getting calls at my home, my parents home, and my job from XXXX , XXXX XXXX XXXX, an attorney company that deals with defaults and collections. It seems someone had sent one of my private loans to them for collections. 

I called them back to set up a payment plan and they refused to listen to me or work with me. The bill is around {$1700.00}. And " they can give me a deal and I can pay it off today for {$1500.00}! '' Yeah no, I 'm sorry I do n't have that kind of money to give them, I am still in the process of rebuilding my life financially and that 's not a deal. After arguing with the boy on the phone for about 30 minutes i finally got him to concede that i was not going to pay that, So I set up a payment plan to pay them {$50.00} a month so they would stop harassing me and my family. 

Now, here is the kicker, I am being charged TWICE for the SAME LOAN! when I went online to check my statement I noticed that Navient was attempting to charge me the the full amount of the exact same private student loan of {$1700.00} ( Even though my consolidated amount due shows {$10.00} ) that the person at this company had argued with me about. This guy on the phone at the attorneys office had told me flat out that Navient had lied to me ( which they do consistently I am not surprised when they do, they do n't teach their techs anything ), and that it is impossible for my private loans to be consolidated, I am unable to do that, and it was sent for collections, this man basically called me an XXXX and said it was my fault I was in default even though I have done everything right. I get it, they deal with liars on the daily, but I am not one of them. 

So now I am paying this attorney and Navient for the same loan, and that 's not right! And this is not the first time! XXXX 2015 I had to track down the VP of Navient ( on XXXX ) and I lost it, they harassed me and my family while I was unemployed and in school to pay loans I could n't pay on and they knew all of this, they knew I had no income and that I was in school and they still tried to come after me.
Consumer complaint received 2017-02-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

On many occasions, I reached out to XXXX and Navient to make reasonable repayment for my student loan. I 've yet to receive an equitable payment plan of relief that would easy my debt. Rather, numerous fees accumulated with no disclosure which resulted in increase in the amount owed. I now have an outstanding balance is XXXX, which is not the amount borrow for my education. I have not been protected with any benefits in finding the right repayment plan. I am having a difficult time paying this amount back and mostly will deal with the impact of this debt the rest of my life. XXXX/Navient has misled me with their repayment methods.
Consumer complaint received 2016-08-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First Step Group, LLC (FL)

I thought this matter was resolved years ago when I established my identity was stolen and fraud alerts were placed on all credit reports. I did not purchase anything using XXXX XXXX XXXX XXXX and have demanded validation from all previous Collection Agents yet none were ever able to validate the debt was mine. 
More than that the Statute of Limitations expired on this invalid debt and I assumed the matter was closed. 
Now a junk debt buyer has bought it and hopes to collect on it.
Consumer complaint received 2016-07-05
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (FL)

XX/XX/XXXX I cosigned for a student loan with the lender Navient, address : XXXX XXXX, XXXX PA XXXX, telephone XXXX. It appears they have done negative reporting on my credit report but never once notified my of payments not being late or delinquent. I attempted to apply for a car loan and learned I have delinquent reporting on my Experian credit report. After receiving a copy of the report I learned it was reported by Navient for XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. Apparently the primary fell behind on her payments for which Navient never notified me. I contacted Navient on XXXX XXXX, XXXX ( spoke with XXXX XXXX XXXX ) who confirmed the late payment and then took a payment over the phone from me in the amount of {$95.00} ( conf # XXXX ) which she claimed would be bring the account out of delinquency. I informed her no one ever contacted me and she could not find any record of anyone contacting me either ( via mail nor phone ). I told her I wanted to file a complaint. She said the compliant was registered and gave me the phone number XXXX to call back in 10 days to get a status. From XXXX XXXX - XXXX XXXX I called Navient 's complaint dept and never reached a person, only got a voicemail for which no one ever returned my call. On XXXX XXXX @ XXXX called customer service, spoke with XXXX ( XXXX XXXX ) who had no record of compliant being submitted and said due to a system glitch the {$95.00} I paid back on XXXX XXXX did not process in their system - this they never notified me of either. I asked for a manager and was transferred to XXXX. The supervisor REFUSED to give me Navient 's physical address so that I can send a formal complaint certified mail. I let her know she was being deceitful and not forthcoming. She would not give me the CEO name until I mentioned reporting her for a UDAAP violation. Only then she gave me his name but still would not give me the physical address. The Supervisor XXXX then gave me the POB address for their Customer Advocate Dept to write to them and they will see if negative credit reporting would be updated. 
I informed XXXX that 1 ) they have very misleading practices that have impacted by credit score, 2 ) they should be notifying me of late payments if they are going to report on me, 3 ) I will report them to Consumer Bureau because they have system issues that do n't process consumer payments and then they report the customer for late payment. This happened twice. 
CFPB please help me to get Navient to be responsible for their bad practices. My credit reporting should be corrected and I should not be impacted by their bad systems and poor notification practices.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On Saturday ( XX/XX/22 ) I engaged in a conversation, through XXXX XXXX, with a XXXX XXXX XXXX. XXXX XXXX agreed to sell me 3 tickets to a football game for {$450.00}. After agreeing with her, I sent the agreed upon amount, from my Chase account ( through XXXX ) to her. Upon receiving the money, the other party failed to respond to messages and never sent the agreed upon tickets. I asked her to please return the money several times and she never responded. Immediately following this interaction I called Chase to let them know what had happened and they told me they would start and investigation, but that because this happened through XXXX that they probably would not be able to get my money back.
Consumer complaint received 2015-10-19
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (DC)

We have had for a number of years a Visa XXXX XXXX Chase XXXX XXXX card. We are not and have never been delinquent. Our card was cancelled without notice to us. We have spent countless hours and talked to no less XXXX different people at Chase/ Visa all of whom say they have no idea why the card was cancelled, they do not know anything and we should call some one else.The most aggravating run-around you could imagine. This is causing us -- seniors -- great trouble with our vendors, but the greatest frustration is Visa/ Chase XXXX who never notified us in the first place and now repeatedly ignores us when all we want to know is why they cancelled our card?
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I opened an checking and savings account with Chase bank last week, This Monday I called and closed the account because the funds transferred from my XXXX mastercard/atm card was taking to long to appear on my accounts, I called Wednesday to check the status of my money being returned from Chase bank to my XXXX bank account ( where the original funds came from ) and they state they cant find my {$50.00}. It is mandatory you deposit {$25.00} to open an each account ( checking and savings ). I have called Chase and my bank XXXX to try to resolve this issue because it is causing me financial hardship, either bank will confess to the error or fix it.
Consumer complaint received 2015-10-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

Chase Bank personal banker ( XXXX XXXX XXXX ; XXXX, IL XXXX ) refused to grant my wife and I a joint checking account because I declined to provide them with all details of any and all assets, including their balance and banking provider. This refusal came despite my wife and I being existing customers of Chase Bank ( my wife has a existing personal Chase checking account and I have a Chase Freedom Credit Card ). I found the questions to be particularly invasive given we were not applying for a loan, but were wanting to open a joint checking account. Moreover, we are existing customers ( I myself have an unsecured credit card with them for {$17000.00} ). The banker stated that he needed all my asset information so that they would know how to best provide my with their various products. So basically I was not given a checking account because I declined to give them information that would permit them to market me their other products.
Consumer complaint received 2016-01-07
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IN)

A Dispute on:XXXX, and:XXXX, XXXX XXXX, JPMorgan Chase Bank needs to explain to : The United States Of Justice Department , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX of a XXXX issues, From a Federal Judge in XXXX GA, for : XXXX XXXX XXXX ( XXXX XXXX ) XXXX the Time:XXXX, and the first deposit was issued @ XXXX Indiana, XXXX Branch.My Case Number is:XXXX , Filed Under Seal : COMPLAINT FOR PERMANENT INJUNCTION AND OTHER EQUITABLE RELIEF, JUDGE XXXX ( FEDERAL TRADE COMMISSION )
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

I had a conference call with the underwriter and my Lawyer, I told her and my lawyer many times before that I am TAX EXEMPT, Chase did not finalize the payment to reflect the changes needed to show that I am TAX EXEMPT. The payment they want is XXXX when my original payment was XXXX. The economy caused this by laying me off in XXXX XXXX. 
Chase did nothing to give me an affordable PAYMENT, I have heard that many mortgage companies will get rid of some or a lot of rear-ages. Chase could have decreased my rear-ages quite considerly so that I could have an AFFORDABLE PAYMENT, Instead Chase said that I do not qualify for XXXX. Chase said that I only qualify for XXXX XXXX 's standard modification. Chase did not send anything to myself or my lawyer stating how much what payment schedule it is when it was do they only verbally sent it. I was waiting for the change to the payment to reflect my tax-exempt. Here it is XXXX XXXX, XXXX and I still have not heard anything as to or been given anything as to the payment change for my tax-exempt, my lawyer called today and spoke to representative not the underwriter that we talked to and he said that I need to make the {$1800.00} payment by the end of XXXX to reflect XXXX payment. Then I have to make another payment by XXXX XXXX. I do not have that amount of money since I am on XXXX. They gentleman also said that it was too late to change the MODIFICATION and that they will give me credit or a refund, they want me to make at least XXXX payments, I have other bills to pay that are due and will be missed because of Chases way of handling there screwed up way of doing good things. I would not have been so far in the REAR-AGES IF CHASE EXCEPTED A PARTIAL PAYMENT SINCE I WAS LAYED OFF IN XXXX. THEY TOLD ME " NO '' WE ONLY WANT THE FULL PAYMENTS. The first payment should be changed to XXXX XXXX not XXXX XXXX WITH THE CORRECT CHARGE TO SHOW THAT I AM " TAX EXEMPT ''. I GET MY XXXX CHECK on the XXXX Wednesday of every month. I will make a payment reflecting the change SHOWING my " TAX EXEMPT ''. Chase should be held accountable for the way they do things. I do n't want to hear about GOVERNMENT STANDARD, AGAIN, I SHOULD NOT BE HELP ACCOUNTABLE FOR THERE MISTAKES. I COULD WRITE MORE, BUT I THINK THIS WILL GET THE WORD SPREAD AROUND. 

I WANT THIS SENT TO THE PRESIDENT OF THE USA, THE TREASURY DEPARTMENT, THE FEDERAL TRADE COMMUNION. IF NOT I WILL SPEND IT MY SELF. I WILL COPY ALL COMPLAINT AND SEND IT TO THE AGENCIES ABOVE.
Consumer complaint received 2015-11-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: JPMORGAN CHASE & CO. (KY)

I was enrolled in the XXXX XXXX in 2007 at XXXX University. 
I was getting student loans to cover my living expenses, and at mid-term i did n't have the passing score that they required, but was n't aware that i had to have a perfect score at midterm. It was the only program in XXXX that required that. They did not let me return and finish the rest of the semester, so they kept my tuition for the rest of the semester. I could not sign up for other classes because it was in the middle of the semester. i went through the process again the following year with yet the same results. I lost my student loan tuition and got behind on living expenses and had to file bankruptcy. Since that period of time they have now reconstructed the program and does NOT require a perfect score at mid-term. Under my financial conditions, there is no way I can pay any amount. This is the Chase account number : XXXX
Consumer complaint received 2016-12-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

I opted out of " debit card coverage '' from Chase when I opened my account. As of today, it is still listed as " off '' in my dashboard. This meant that I did not authorize Chase to overdraft my account for any reason. As listed in the description of the debit card coverage program, I should not be charged insufficient funds fees. This week, I was charged for XXXX insufficient funds fees. I tried to get the removed, providing them an explanation as to what happened with my card and asking for a little leniency since it 's around the holidays and money is tight for everyone. They said they would not remove them ( as this had happened once before in XX/XX/XXXX, and they removed the charges then ). I then remembered that my account was n't supposed to be overdrafted ever, and realized they were refusing to take fees off that they are n't supposed to charge me in the first place. I 've put in a request to have them removed again, reminding them that my debit card coverage is set to off, and have not heard back.
Consumer complaint received 2017-02-06
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I reported identity theft to Chase bank for someone stolen my credit card and ATM / Debit card to go to Chase bank system and setup online banking changed my current home address, forward all my statements to somewhere and withdrawal all my chase bank checking / saving account fund from XX/XX/XXXX to XX/XX/XXXX. I have all evidence and identified as unauthorized. XXXX gave to Chase bank XXXX Id theft report case #, FTC id theft report case #, USPS Inspectors id report case # and Office of XXXX District Attorney id theft report case #, XXXX bank Faurd and Claims Dept. did not get deeply invstigate for my identity theft report cases and just denied all my claims.
Consumer complaint received 2017-03-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

Continued lying and deception by Chase Bank. This has been going on for 3 years. We asked them to stop flooding our business mail box with their junk mail, complained repeatedly to the BBB, The Texas Attorney General and the CFPB. Each of these has been ignored or they send out a form letter saying they will cease and desist. In XX/XX/XXXX they lied saying it takes 90 days. It is now XX/XX/XXXX and we are still receiving their junk.The mail is addressed as : XXXX, IL XXXX
Consumer complaint received 2016-05-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

After defaulting on XXXX private loans provided by Navient, formerly XXXX XXXX, my loans were handed to XXXX XXXX, XXXX to attempt and collect the balance owed. In XXXX of 2014 I entered into a zero-interest reduction repayment plan with monthly payments of {$250.00} and an interest rate of 0.01 % on all XXXX loans. Two months ago after filing my taxes I realized my balance seemed significantly higher than it should being on this type of interest reduction plan. 

I called and spoke with XXXX XXXX, XXXX who verified I was on the correct reduction plan, but that only XXXX of my loans actually had the plan applied to it and this had been the case for the nearly three years I have been paying ; as such I am being wrongfully charged interest. I have been fighting with the company for nearly two months to correct the issue and I continue to be told that it is being taken care of, but then nothing happens. I 've now been told by XXXX representatives and their respective managers that the process is being started to request a correction to my interest rates as well as a balance adjustment, retroactively reflecting the correct interest charges dating back to XXXX of 2014. 

This seems like a direct violation of our contractual agreement regarding repayment - what, if any, course of actions can I take? I continue to be charged wrongfully on my debt - which is a significant amount of money based on the amount owed.
Consumer complaint received 2015-09-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (VA)

I want to go to school to better my self and possible free my self from poverty but instead I end up trap in student loans with such high interest rates that are un-payable or I feel I will not be able to pay not in my natural life.
Consumer complaint received 2016-11-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

I am trying to pay down my private student loans as quickly as possible. I take advantage of auto pay and set a higher amount to be deducted than what 's due each month so I can apply the extra payments toward the principal balance. However, after I set these amounts, XXXX XXXX/Navient continues to lower the monthly amount automatically deducted, without any notification. Every few months I have to call and make a request that the original amounts of my auto pay be reset. After many months of this pattern ( I have detailed notes going back to XX/XX/XXXX ), it is clear to me that Navient is reducing the auto pay amount so that less is applied toward the principal balance, therefore extending my payment length and they ultimately earn more money off of my interest rate. The differences between the set auto pay amount and what Navient actually deducts differ greatly. For example : On XX/XX/2016 I requested that my monthly auto pay amount for XXXX loan be {$500.00}. Now several months, Navient has the XX/XX/XXXX monthly auto pay set to deduct only {$380.00}, a difference of over {$100.00}. This unauthorized change to the auto pay amount elongates my loan payment period from 1 yr, 1 mths to 1 yr, 5 mths. This is happening on all XXXX of my private loans. Navient has not provided a sufficient explanation on why this amount keeps reducing. They are making it harder for me to pay off my student loans.
Consumer complaint received 2016-02-15
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (NJ)

Navient has been calling both my father and myself non stop both at work and on my personal line. They continued to cal my sister at school and ask her for personal information about me without revealing who they are calling on behalf of. This is beginning to border on harrasment. They now have sent a letter stating that they are sending my account to their litigation for review unless I respond within a week. So far they have been asking for over {$500.00} a month in payment.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CL Holdings LLC (IL)

On XXXX XXXX I was alerted that a collection was added to my account ( opened on XXXX XXXX ) by Jefferson capital system for {$81.00} on behalf of XXXX. 

Since XXXX XXXX that the account was opened I have not been provided with the following : - Agreement with the creditor that authorizes you to collect on this alleged debt - The agreement bearing my signature stating that I have agreed to assume the debt - Valid copies of the debt agreement stating the amount of the debt and interest charges -Proof that the Statute of Limitations has not expired - Complete payment history on this account along with an accounting of all additional charges being assessed -Show me that you are licensed to collect in my state ; and - Your license numbers and Registered Agent This illegitimate debt is affecting my credit score in a negative way and must promptly be deleted due to its inaccuracy.