davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc. (MD)

I recently viewed my credit and noticed an account that does not belong to me and has seriously affected my credit profile. Carter Young Inc. is handling the collection of this account which is a false account. After reviewing my records, I am unable to find any documentation of any contractual relationship between Carter Young Inc. and me which makes them a person entitled to enforce a commercial claim against me. They have not provided any proof of contract to substantiate their claim. Such as a certified copy of an original contract with my signature, specifically naming Carter Young Inc. as a business entitled to enforce a commercial claim against me.
Consumer complaint received 2016-07-11
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)

my student loan is now owned by naivent. The payment are automatic debits from my checking account.The company reset my payment to the minimum payment. the loan company had agreed to accept larger payments so the payments were going mainly to principal. our months ago they reset the payments to the minimum and hoped i would n't notice so the payment mostly goes to interest. They broke the agreement to get more interest.
Consumer complaint received 2016-10-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I borrowed from then XXXX, now Navient, a total of about {$8000.00} in XXXX separate loans. This is on top of my federal loans that I currently had to put in to forbearance. The loans were all to cover on-campus housing expenses, transportation costs, and supplies for school. At the time, I had no other options and was forced to have my father co-sign on all XXXX loans. I do not feel I was properly prepared to take these loans out and did not anticipate how aggressive the repayment terms would be. I am now almost XXXX payments behind and have done voluntarily forbearance twice, with a significant fee, to prevent default. Navient frequently harasses both me and my father XXXX the co-signer XXXX numerous times during the day and even late at night. I currently work as a paramedic and my father as an elementary school principal. I have attempted to express what I can afford per month, which is less than what Navient wants. I have given them a complete financial review of all my expenses and they still claim that I have enough to afford my monthly payments. I have been berated and made to feel bad about borrowing the money, even times when the representative will say " It 's only {$8000.00}, why ca n't you pay this back? ". My credit has suffered due to my accounts with Navient. I am unable to refinance and can not seem to qualify for any consolidation programs. I feel like I am running out of options and Navient continues to bully both me and my co-signer. 

I obtained these loans while attending the University XXXX XXXX Florida between XX/XX/XXXX and XX/XX/XXXX. 

Thank you.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

My last direct deposit was not released on time. My current one has yet to be released. CHIME has claimed that they do not hold on to funds but release them as soon as they receive them when I try to reach out about my issue, even when I explain that all of my coworkers without their bank have received their direct deposits. I truly find it hard to believe that my workplace would hold funds of CHIME account holders and not for others. Additionally, one can see reports on social media where users have reached out to their payroll team and was informed that their pay was released to the bank so its up to them to release the funds to the users.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NE)

On XXXX XXXX I Chase Sapphire card and I was reading the details but could not find the answer to a specific question that I wanted. Trusting their customer service personnel would provide me with the correct information I called them. They told me that the XXXX dollar travel credit offered with the card renewed based on calendar year. Since it was near the end of the year he explained it would be advantageous for me to sign up. I signed up because I was told I would get a XXXX credit for XXXX and a XXXX credit XXXX. After signing up and following all instructions I contacted them to inquire about the XXXX credit statement and was informed that I am only allowed the XXXX credit for XXXX because it renewed based on billing cycle. They proceed to explain it was my fault for simply trusting their employee and not validating it with the terms and conditions. The submitted a work case to review the recorded phone call. 1 week later a manager named XXXX on XXXX XXXX XXXX at XXXX central time called me. She informed me that she had validated the employee did in fact tell me the wrong information but I would not be provided the XXXX travel credit for XXXX. Chase deliberately misinformed me to get me to sign up, and then refused to honor what they offered.
Consumer complaint received 2016-09-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX 2016, I had several fraudulent charges on my account XXXX includes XXXX of XXXX I received an alert, immediately called to resolve the issue.. Chase definitely agreed these charges were fraudulent.. on XXXX XXXX @ XXXX I get a reverse charge of # XXXX I immediately called the claims dept. First person I talked to stated They had called XXXX and XXXX said it was liget charge.. I called XXXX myself gave them my old card ( thank goodness still had it ) XXXX said yes this is fraudulent.. They immediately reverse the charge.. I had explain to XXXX what Chase told me, XXXX said they did n't give the number on card only name and email, that 's why it was not recognized XXXX accounts.. I called back Chase claims dept this time the agent gave me whole new reason, it was based on my spending habits.. WOW!! I was dumb founded.. it 's not about the amount, it 's about the behavior and principal here.. This is how my bank is reacting to fraud.. Not very happy.. please contact me XXXX 
Thank you, XXXX XXXX
Consumer complaint received 2017-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NJ)

I modified my loan XX/XX/XXXX. I have been making my regular contractual monthly mortgage payments each month since then. In XX/XX/XXXX I noticed that my web access was cut off and called to find out why. I was advised on the phone that my mortgage was 1 month delinquent. I reviewed my checking account statements and I made very single monthly payment on time. I wrote to the mortgage company for an explanation and I received the attached letter dated XX/XX/XXXX which stated that prior to the modification on XX/XX/XXXX they mistakenly applied {$660.00} to my loan. on XX/XX/XXXX my modification and new loan agreement took effect and I made my payments timely. In XX/XX/XXXX they took my monthly mortgage payment reveresed it took {$660.00} and placed {$1500.00} in a suspense account thus making my mortgage delinquent one month. They did this without ever notifying me of their actions. I am now being threatened with foreclosure for their error.
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

On or around XXXX 2015 I was advised by a Chase banking representative that I could " save on my interest rate costs by paying bi-weekly or refinancing. '' I began making payments in amount of approximately half my mortgage payment due ( XXXX-XXXX every other week ). I continued to make such payments for the next 2 months approximately until I began getting calls by Chase servicing about my " late payments. '' They explained then that bi-weekly payment was not an option. I inquired as to the amount due then to get the monies Chase was placing in an " unapplied funds account '' to my mortgage, which was {$1600.00}. I advised Chase I 'd make immediate payment ; I did ; they finally credited that amount several weeks later around XXXX XXXX ... .causing me to be 30 days late. Due to erroneous advise at Banking ctr, I have called Chase Private Banking dept./Cust Care to reverse the negative credit reporting which they denied, stating I have to get a sworn affidavit from the branch confirming they in fact gave me bad advice. This is preposterous for several reasons.Please ensure my credit is respired as I have taken a major hit to my FICO once again due to non-compliant Chase Servicing practices and am being denied credit to other areas of my personal life. I have roughly XXXX % equity and a strong payment history having owned this home for 17 years.
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NJ)

I recieved promotional checks from Chase XXXX to transfer balance at no interest until XXXX 2018. I used the check for approx XXXX. I recieved my first statement with purchases of XXXX plus the new promotional balance. I paid XXXX to cover the 3 % interest of the check and the bal of the purchases expecting the bal of that payment after applied to purchases to be applied to the promotional bal. To my surprise on the next statement I was billed interest of XXXX. Now it 's not the XXXX I am concerned of, but the princible of the interest charge itself on the purchases which I did cover. I called Chase and was told that I was charged interest because I did not pay off the entire balance of the purchases with the promotional balance. So in essence even though I paid off the complete balance of purchases with additional incuded to cover a portion of the promotional balance plus the initial interest fee of 3 % for the promotional check, they are still charging interest. As I understand and how I have expierenced this with other CC companies, if I pay my full purchase balance of that month, there should be no interest and the difference is always applied to the promotional balance. XXXX CC as example. I have a promtional balce running with them currently I feel this is fraud as the promotion advised no intererst, but then they are expecting you to pay the full balance at the month end regardless if it covers previous months purchases, otherwise pay interest on the purchases amount regardless if you pay enough to cover that amount. Totally mis leading and in my opinion FRAUD.
Consumer complaint received 2020-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

In late Fall XXXX there were fraudulent charges to my XXXX 's credit card. I reported the fraud to XXXX XXXX and was told not to pay the balance, that XXXX XXXX would take care of it. XXXX XXXX did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called XXXX 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and XXXX 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from XXXX XXXX. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter XXXX 's sent me. I called XXXX 's to inquire as well. XXXX 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax XXXX 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Sale of account — 
Company: JPMORGAN CHASE & CO. (FL)

My Chase Credit card was 'charged off ' after Chase refused to allow me to make affordable payments or settle the balance after going through a horrible divorce. Then, without my knowledge the charged off debt was sold to a zombie entity that NEVER contacted me. In XX/XX/XXXX, one evening after arriving home from work, the Sheriff 's Dept showed up at my door with an order to seize my only asset, my XX/XX/XXXX XXXX! After trying to understand what the deputies were telling me through my hysteria, they apologized for what they felt should be illegal and told me to call an attorney ASAP! When I contacted the 'zombie company, whose contact info was on the order, they wanted me to pay them {$9000.00} on what was originally a {$3000.00} credit card debt! And so began an EXTREMELY STRESSFUL and expensive journey to retrieve my only means of transportation to and from work. The law firm that I retained had never seen anything like what had happened to me. All the documents had been inaccurately electronically filed by the zombie company, but went through the XXXX anyway. This ordeal has caused my health to suffer as well as my financial well-being. I was forced to immediately file bankruptcy, and am still struggling to recover from the whole ordeal. I am hoping that I might qualify for a refund for the unfair and VERY deceptive practices of Chase!!!!!!
Consumer complaint received 2016-05-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (IL)

I have had this loan since XXXX of 2008. Which I had gotten through XXXX XXXX, consequently Navient bought the loan. I 've just discovered that I am being charged an interest rate of 35 %. My loan documents show I should be charged an interest rate of 11 %. If I had not been loan sharked this loan would have been paid off years ago. The initial loan was for {$3500.00} plus interest. 
I am also not getting correspondence from the company but they are harassing my co-signer with letters and phone calls monthly. He has to email me the letter they keep sending him. I 've enclosed a copy. I do not live with him and do not know why they included my name under his address. 
I have provided a copy of my profile on their website proving they have my current mailing address and phone number. I will be sending a copy of this complaint along with all other documents included to Navient as well. 
With all of the extra money being taken towards undue interest this loan would have been paid off and done with. I believe Navient owes me a sum of money from interest that was not due to them or the loan being considered paid in full. At the very least they should recalculate the loan at the proper interest rate and provide updated loan information as well as remove the co-signer and stop harassing him.
Consumer complaint received 2017-03-02
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TX)

I had a mortgage through Chase Bank. I sold the house in XX/XX/XXXX through a title company and realtor. Chase did not apply the funds to the account appropriately, so the account remained active and open. I realized this in XX/XX/XXXX. After a large number of attempts to resolve the issue via phone, fax, email, in person, attorney, etc., the account was finally closed in XX/XX/XXXX ; however, Chase damaged my credit score throughout the 16 month process since they showed the home in foreclosure. They closed the account without me making another payment on the house since XX/XX/XXXX. Chase owes me money out of the escrow account, an apology, and a repaired credit score as I am being turned down for credit I would otherwise get if they had carried out their fiduciary responsibility.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MN)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 Account Number : XXXX Claim filed with the government as of XX/XX/2010 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2016-05-16
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: Navient Solutions, LLC. (MO)

I was trying to pay my student loan with Navients automated system. It would not let me pay what I wanted to pay it put in {$1000.00} payment to come out of my account. Is it legal for them to put the amount in for you automatically??? What can I do??? Who can I complain to about their tactics.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TN)

My loans are so out of wack. I was XXXX and I called and informed them and I feel they should correspond correctly and handle each case. It 's been so frustrating. Please help I totally do n't understand I 'm XXXX.
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NC)

Navient is XXXX of my loan servicers and I have been experiencing issues outlined in the current lawsuit against them. They took over my loan in XXXX./XX/XX/2016. They received my loan in deferment status ( going to school ) and immediately started reporting I was 6 months behind on payments. Recently I was able to get them to place the loan in deferment only to be notified the next week that my deferment would end in two to three weeks. I have had nothing but problems with them distorting facts and " playing '' with my loan essentially making it impossible for me to be on the proper repayment plan. Due to them reporting my loan being in default by 6 months has destroyed my credit.
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

Hello I have made some really bad decision in my life, specially when I was younger but I am finally looking to tern my life around. I started to look into my account and monitor my debts and try to resolve them. I noticed a Macys card account that was pending since XX/XX/XXXX but we are in XX/XX/XXXX so I could n't understand why this account was still open and posting for payment. I investigated with Macys and Citi bank, they told me that the Statue of limitations does apply to it and it should n't be on my credit report. They advise to file a complaint with the credit bureau and with Macys.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (NE)

I opened my account on XX/XX/2022. The following day, I received an email stating that my account was locked and to contact customer service. I first emailed and was told that they could not help me unless I emailed them " a picture of your valid government-issued ID and the last 4 digits of your Social Security number. Please also provide a clear photo of yourself ( selfie ) holding both your ID and a piece of paper with your name and today 's date written on it for verification purposes. '' ( As an aside, I used an XXXX email alias as my username as I generally avoid re-using usernames across financial accounts for security purposes. I am able to reply to emails sent from this XXXX alias, but not to send a new email. I was unaware that this could pose a problem when I opened the account. ) While I understand the need to verify a customer 's identity, it is not safe or secure to send the requested type and amount of personal information by unencrypted, regular email. Instead, I called customer service and was told that my my account was suspended due to a violation of the terms and conditions. Please note, I had not conducted any transactions on the account or used it in any way. The only possible transaction was a trial deposit from my other bank to link the accounts. I had already verified my identity during the account opening process ( including giving my drivers license and a selfie, as requested ). 

Nevertheless, the representative on the phone told me that I needed to verify my identity to request the suspension be lifted, again by sending via unsecured email : a picture of my driver 's license AND my passport, the last four of my social security number, and an additional proof of address, such as a bill. I asked whether there was a secure message portal I could use to submit this information and was told no. The only way to send this very sensitive personal information is by unsecured and unencrypted regular email. There are absolutely zero cybersecurity experts or organizations that endorse using regular email to send your social security number, driver 's license, passport, or other information as this information could intercepted and used to steal your identity. It is shocking to me that Chime, as a tech focused company, does not have a secure way for its customers to communicate sensitive personal information. 

After the phone call on XX/XX/XXXX, I decided I was not comfortable risking my identity by sending the requested information unencrypted and replied to the email chain asking Chime to close my account. Instead of a responsive reply, I received another email asking me to send my personal information by email before they could assist me. It has been more than a month and I have not received confirmation that the account was closed. 

I am concerned that Chime has not followed my instructions to close the account.