davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

I have a federal Direct Consolidation loan, which is split into two parts - subsidized and unsubsidized. I am currently in a period of in-school deferment and the government pays the interest that accrues on the subsidized portion of the loan. I frequently make extra payments on the loan in order to pay it off sooner. The loan servicer ( Navient ) does not offer the option for me to specify when making online payments how I want those payments to be allocated. My preference is to make extra payments towards the unsubsidized balance, because making extra payments towards the unsubsidized balance, which accrues a higher daily interest amount, allows me to save money over the life of the loan. 
In order for my payments to be allocated as desired, I have to include special instructions each time I make a payment, and rely on the servicer to interpret those instructions correctly and to follow through in applying them. This puts an undue burden on me as the borrower. Often, the servicer does not obey the instructions and I have to follow up multiple times with phone calls and emails to have the issue fixed. 
The servicer ( Navient ) has repeatedly told me that I can not split my payments as desired, since it is a single consolidated loan. This is not true, however. My promissory note states " I may prepay any part of the unpaid balance on my loan at any time without penalty. '' There is nothing in my promissory note to indicate that I can not make separate payments towards the unsubsidized and subsidized balances. 
Providing inaccurate information, not applying payments in accordance with special instructions provided, and giving the impression that payments can not be specified separately for the unsubsidized portion of the balance and the subsidized portion of the balance deters borrowers from being able to make payments in such a way that will save them money over the life of the loan. It creates unnecessary obstacles for borrowers. 
The choice to allocate online payments in accordance with personal preference should be made available at the self-service level. It is irrelevant that a consolidation loan is considered a single loan. The loan is broken into two parts and those two parts are able to be paid separately. Principal amounts are calculated separately, interest accrues separately, and billing amounts are calculated separately. Not providing borrowers with a choice on how to allocate their payments creates a false impression that borrowers are unable to specify how their payments are made. This results in more money being paid by the borrower over the life of the loan.
Consumer complaint received 2015-09-25
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (TX)

It is alleged that I co-signed a student loan for my son, XXXX XXXX XXXX in XXXX, 2005. I dispute the validity of that for the following reasons:1. At that time, I was judged XXXX by the XXXX Administration. All my affairs, including back accounts and financial decisions had to be approved by an administrator who was approved XXXX I did go with my son to the Texas XXXX XXXX XXXX XXXX and spoke with a financial person. I was not considered a valid financial participant by them. 
2. The signature is not mine. I am left handed, and whomever signed my name is a right handed person trying to write left handed. 
The XXXX, TX police took a report. They would not file charges because my trip with XXXX to the school was considered an indicator of my willingness to assist him. 
The XXXX. has ruled XXXX. 
Texas XXXX XXXX in XXXX, TX, will do anything including falsifying documents and lying to prospective students about job prospects in order to get guaranteed funds from the government. 
Can you assist in getting this removed from my credit report?
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (DE)

I contacted Barclays bank to request a closing my XXXX Account the week of XX/XX/XXXX and seek a refund of the {$95.00} annual fee that was collected from my bank 2-3 weeks ago. A phone rep took my information and asked me to supply proof of my identity to authenticate the request. I uploaded 3 documents in Barlcays 's website per the request including a copy of my driver license, copy of SSN card and a recent utility bill showing current billing address. About two weeks later, I checked the status of my account and my account was restricted with a fraud warning message to contact Barclays. I contacted Barclays the week of XX/XX/XXXX to inquire about the hold on my account. An agent told me they can not read any of my documents and request I mail in the same documents to their Fraud Department at XXXX XXXX XXXX, XXXX, DE XXXX. I mailed the requested info late XX/XX/XXXX and contacted the Barclays a third time on the week of XX/XX/XXXX to inquire about the account closure request and refund status. A third agent explained they were not able to read my driver license and need to mail that in again. I mailed a second photocopy of my driver license to Barclays in early XX/XX/XXXX. My account remained restricted and not close. I contacted the Bayclays a fourth time on XX/XX/XXXX. The agent explained he was able to read my driver license but when it was scan to the computer, the computer could not read it and therefore I need to submit a clearer picture of my driver license before he can review my account and close it. I scanned my driver license again using the best possible setting possible and print the image in the highest quality. I could read all the data on my driver license fine and the 4th agent I spoke with agreed with me. I mailed it out to Barclays on XX/XX/XXXX with no guaranty the documentation is acceptable to Barclays or its computer systems. I just want to close my credit card account at Barclays and get the {$95.00} fee back as I am not using the card. I don't know what else I need to do to satisfy Barclay 's requirement to close my account and need help. Another annual fee could hit soon and the longer I wait for this to get resolved, Barclays may only provide a partial refund of the annual fee versus a full refund if it was processed correctly in XX/XX/XXXX.

Account is restricted and correspondence via secured email with Barclays can not be downloaded. 1 paper mail was received during this 5 month ordeal. All other communications were via phone call by cardholder to Barclays never the other way around.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I applied for and received XXXX student loans from Navient ( then XXXX ) in XX/XX/XXXX and XX/XX/XXXX. XXXX were Stafford loans, totaling {$18000.00}, disbursed to me in XX/XX/XXXX and XXXX were Graduate PLUS loans, totaling {$11000.00}, disbursed to me in XX/XX/XXXX. I applied for forbearance multiple consecutive years in a row because I knew of no other option. I was earning approx. $ XXXX/year without benefits, supporting a household of XXXX people. I called each time and let them know I could n't afford the $ XXXX+/month payments, and I was never told that I could pay must less and avoid the high interest of forbearance by being on income based repayment. I was always pushed into forbearance because they said they could even submit it for me over the phone without me needing to send them any documents. I was always immediately approved. This past year because I was unable to purchase a home or do anything without worrying about this loan hovering over me, I paid off the loan in full by borrowing from family and savings. My complete payment on the original {$29000.00} balance was approx. {$54000.00}. {$25000.00} in student loan interest on a loan that could have entered income based repayment which would have been to my benefit. I do n't believe Navient should be entitled to reap the benefits of their deceptive practices against me and that a considerable portion of the interest payment should be reimbursed to me. Any help you could offer me in this endeavor would be greatly appreciated.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

I had my XXXX student loans through XXXX XXXX, which turned over to Navient. I took out roughly {$35000.00} back in the mid XXXX for school tuition. When I graduated, I was not able to start payments, so the only option I was given was forbearance ( i.e., interest continued to accrue during this time that I put my payments on hold ). I also was told that I could only consolidate for a lower interest rate one time, which I had already done, so my interest rate has always remained the same, even with offers to others for lower rates. I have paid consistently on this loan since XX/XX/XXXX, have paid back my original {$35000.00}, and I still have {$38000.00} to pay due to the interest. No one has been able to help me with this. I read an article about the class action law suit towards Navient/XXXX and was wondering if I qualified for the complaint.
Consumer complaint received 2017-01-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (VA)

I have a parent loan I got for my Daughter to go to XXXX which is now closed and I feel XXXX should pay all the loans off for anyone that got a loan for that so called school. 
But I can not afford the payments that I have for the loans no matter that they think I can I need to at least lower my payments
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (MD)

Over the telephone made a payment for covering all balances, fees, etc.. and instructed them to close the account. Had n't made any charges on the card for many months. Received a call indicating that I owed late fees and had a balance on the card. Message via phone giving a phone number to call them about this issue omitted the phone number.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (TX)

I applied during XXXX 2016 for a XXXX XXXX sponsored XXXX with Chase bank, which offered various incentives for enrollment to include an {$0.00} introductory fee for the first year, then {$95.00}. I received a statement charging the annual fee for {$95.00}. Chase needs to do a review of all their online offers, because they all continue to offer the {$0.00} introductory fee on Visa cards. It is impossible to believe that my online offer is different from the rest. Attached is the pricing and term for my Visa card.
Consumer complaint received 2016-03-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CT)

The Dime savings bank denied a loan because they claim we were 13 months late with mortgage payments. We explained that we were in the HOPE program to refinance with the government through their affordable housing program and part of getting accepted was that we were no allowed to make payments while in the process of negotiating a new loan. this was not supposed to hurt our credit in anyway but it did!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (MA)

My loan provider, Nelnet, made a mistake in calculating my monthly payment amount last year ( XX/XX/XXXX ). They thought I was paid bi-weekly, despite specifically stating on my paperwork that I was paid WEEKLY, which was also evident on my pay stub. Therefore, my payment amount was much lower compared to this upcoming year ( XX/XX/XXXX ). My new amount is XXXX % MORE than what I paid last year, which is much more than I can afford, and is significantly more than the yearly increase as stated on my IBR plan. I spoke with several advisors trying to figure out where the mistake was and why I could n't get a lower payment amount. They suggested forbearance as the only option, which I did not opt for due to the quickly accruing interest. I 'm extremely frustrated and feel like this is a huge mistake that I am paying for, literally.
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (CA)

A loan shows up under my social that was removed from my social in 2010. I no longer own the property but CHASE insists that because my name is on the original note that I 'm still responsible. The loan was recently modified by the loan owner that agrees that he has full responsibility but CHASE turned down his loan assumption request and instead pushed him toward a modification that does nor bare my signature.
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase authorized an XXXX payment on XXXX/XXXX/16 for {$120.00} as a debit card transaction and there was sufficient dollars in my account at that time. I have the text to prove this. I then had my XXXX check # XXXX for {$370.00} clear overnight on Monday XXXX/XXXX/16, so the XXXX charge hit my account officially on Monday XXXX/XXXX/16 and Chase charged me a fee. It 's my understanding that if a debit card transaction is approved there will be no OD fee associated with it. The XXXX charge was put through as a recurring charge, by Chase. We had Chase and XXXX on the phone at the same time and Chase miscoded the charge and charged me a fee of {$34.00}. I want the fee reversed! I should not have been charged this fee and this was not a recurring charge. Chase is fraudulently charging me an OD fee. I currently have a XXXX charge pending, which was again authorized before the check cleared and they are not charging me a fee for this. Why? Because it was authorized before the check came through, so why is the XXXX transaction being charged a fee. Because Chase is being fraudulent!
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX, XXXX I had a house fire it was a total loss. XXXX was my hazard insurance and I had an old policy which XXXX paid out in full to rebuild my house. My mortgage is with XXXX Chase Bank so the insurance checks was paid into XXXX Chase Banks insurance claims department. I should have been in my house no later than XXXX XXXX, my slightly less than a year from the fire. My contractor is excellent, XXXX was excellent. The problem lies with Chase not wanting to release the funds that belong to me to rebuild my house. XXXX XXXX my contractor was owed {$71000.00}, I requested the funds and Chase sent me a check for {$10000.00}. Here it was XX/XX/XXXX and the contractor 's subs were owed, it took Chase until XX/XX/XXXX to pay the balance even though the funds were siting in escrow, I threatened with a possible law suit. I am displaced and now am 8 months beyond the time I was should have been back in my house. Chase stated that the build out is reported at XXXX % and have denied my requests because it is stated that for further payment it must be at XXXX %. Without further draws my contractor is being kept from reaching the XXXX %, he must have a further payout to proceed. I will NEVER get back into my house without further funds being released ASAP. My contractor needs the funds for sheetrock and all of the goods needed to start on the finish work. Without the payout my contractor ca n't proceed and Chase is keeping me displaced. The message from Chase to me is, " XXXX XXXX you will never be back in your house. Your build out is at XXXX % and will eternally remain there because we are not going to give you another dime of your insurance money, so you can complete the process of rebuilding you house as your insurance company intended you to do with the funds from your hazard policy, because our policies are in place so we can use your money regardless of why you received it. '' My storage bills continue to mount up and I am getting to the end of my rope. My personal costs are escalating because of the unnecessary delays. In the end I may actually have to consider suing for financial and emotional damages. I am now taking valium for the stress so I do n't have a pervious breakdown.
Consumer complaint received 2015-05-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

I have a checking account and saving account with Chase. Chase customer service informed me that when my account is overdraft, i have until XXXX PT to deposit and cover the overdraft. 
When i opened my account with Chase they suggested i opened a savings accounts and checking account so i do n't have all money in XXXX account and connect them online so i can make the transfers accordingly. The bank will posted payment on my checking account and if i do n't have the money i have until XXXXXXXXPT to make the deposit. The reason that I have a savings account is to transfer money from this account and keep my checking account with a daily balance for security reasons. What they did n't say is that they overdraft your account at midnight saying that the payment went the day before but no payment was posted in your account so you do n't know until they charge you Usd XXXX for each overdraft. this has happened several times during last 12 months and the respond is the system made the payments at midnight. Last week they took usd XXXX on the same day, Usd XXXX for each transaction and in one year Usd XXXX. I spoke with an agent Friday XX/XX/2015 and explained that my account was n't overdraft at all the day before so how can they charge a customer for something that did n't know and did n't happen in my account. No explanation they only said that the system does this automatic. I expect that they refund all my overdraft fees and stop taking advantage of the customers. thank you for your assistance.
Consumer complaint received 2015-03-20
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: EVERBANK, NATIONAL ASSOCIATION (SC)

Plain and simple. I applied for a mortgage in XXXX of 2014 with Everbank and we closed our loan on time, but not without the threat of a lawsuit in order to make it happen. After we closed we received a copy of a XXXX that Everbank sent on our behalf to the IRS to obtain our tax returns. Unfortunately, the signatures on the document were not ours. Someone in their operations department forged our signatures and submitted the request. I notified our loan officer and she submitted a Suspicious Activity Request ( SAR ) within Everbank. Unfortunately Everbank eliminated her job and her co-workers ' in XXXX of 2014 and I have heard nothing from my lender. I am filing this complaint due to their lack of communication on any resolution/findings and for simply forging our signatures.
Consumer complaint received 2016-03-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (TX)

I have been paying on this loan since XX/XX/XXXX. At the rate they apply my payments, it will take about 40 years to pay it off. No matter how much I send in for payment, they apply XXXX % of the payment toward the interest. The payment is about $ XXXX monthly. My minimum pay- ment is {$500.00}. Some months the entire payment is applied to the interest. 
Even if I send in extra payments separate from the regular payment, the extra payment goes toward interest. Even a {$1000.00} payment only got {$100.00} applied to the principal. They take the extra payments and apply I was told the extra payments were applied to " Capitalized interest '' not toward the principal and the due date was just moved forward. so by paying extra, my next due date is currently in XXXX XXXX even though I make monthly payment. This is government financial XXXX.
Consumer complaint received 2016-02-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

My checking account with JP Morgan Chase has been manipulated for years now. On XXXX/XXXX/16 my account balance was {$580.00}, with a pending ACH transactions of {$120.00} and {$20.00}, XXXX/XXXX/16 account balance was {$510.00} with pending {$60.00}, {$100.00}, {$25.00}, with check # XXXX for {$290.00} out for payment. ACH transaction of {$120.00}, {$60.00} {$100.00} and {$25.00} was paid, which left a balance of {$190.00} that was showing on XXXX/XXXX/16 as the balance in the account. Same balance was on the account at XXXX am on XXXX by XXXX XXXX my alert on the account said I was overdrawn {$190.00} all the ACH transactions that was cleared the day before, suddenly reappeared the next day triggering a negative balance, that incurred ( XXXX ) overdrawn fee. Chase manipulated my account after the check came in on the XXXX/XXXX/16, by erasing the {$190.00} balance so they could sub-batch all transaction from high to low to maximize their fee. Now all the transaction were now showing they came in on XXXX/XXXX/16 so could justify their fee, erispective of how these were posted. I am fed up of big banks manipulation of customers that does not carry huge balance.
Consumer complaint received 2016-09-09
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (NY)

Hi, I saw the news regarding XXXX XXXX. I believe I was the victim of the same problem except with Chase Bank. I was issues a Amazon/Chase credit card last week with a {$10000.00} line of credit. My account was not hacked and, since I closely monitor my credit XXXX Equifax, had no inquiries made or reported. Also, I 'm a XXXX year old male with an XXXX credit score, excellent financial health and currently have accounts and credit cards with Chase Bank.
Consumer complaint received 2016-11-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

I was struggling to make my mortgage payments and attempted many times to do loan modification. My father was a cosigner on the loan and they required his information. He refused to provide his information so I continued to struggle, all the way into foreclosure. I did not receive notification of foreclosure, I found out by walking into a chase branch to make a payment. According to Chase Bank 's attorney, the foreclosure process started XXXX 2016. Here we are XXXX XXXX 2016, I go to my house and my realtor 's lock box has been cut off and replaced, with winterization notices. I have a third party who began a loan modification process for me in XXXX 2016, I provided her all needed forms and my father finally cooperated in getting a quit claim deed to her on XXXX/XXXX/2016. The quit claim deed Chase was waiting for was faxed same day. The house was auctioned in a sheriffs sale XXXX/XXXX/2016. It was my understanding that I still got a XXXX appeal period after a modification decision, and how can the have it up for auction 3 days after a decision. The third party rep was in constant contact with Chase and when she asked for a sheriffs sale date, XXXX/XXXX/2016, the did not have XXXX listed. Between myself, third party rep and my realtor, no one can make sense of this.