davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-29
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (PA)

My mortgage processor informed me XXXX hours out that we 'd have to postpone closing ( originally scheduled for XXXX XXXX ) for an undetermined period of time. This is a result of the mortgage company waiting until the last minute to conduct a follow-up appraisal and then informing me the day before the anticipated settlement date that they would be unable to close by the specified date ( after we made application with them ~XXXX months before this anticipated closing date ), forcing me to violate the terms of my purchase agreement due to the fact that we were unable to close by the date specified in the agreement of sale. The original appraisal was contingent upon septic system repairs being completed ... these repairs had been completed XXXX weeks prior to closing, but my mortgage processor waited until XXXX weeks before the closing date to tell me that this follow-up would be needed and they 'd be requesting it then. All along in this process, I 've been told we 're ahead of schedule. This is unacceptable that I was forced to postpone closing at the last minute and that they did n't tell me we 'd be forced to postpone until XXXX hours before settlement. Now the mortgage processor is saying that we wo n't be able to close until XXXX XXXX at the earliest, forcing me to pay an additional ~ {$1000.00} of interest up front that I otherwise would not have had to pay at settlement ... forcing me to do this at the last minute without warning smacks of an unfair, deceptive, and abusive practice.
Consumer complaint received 2015-11-19
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (OR)

Chase Bank insisted that I got an emailed statement for payment due on my XXXX bill, but I did not. I only got an email notification that my bill would be due in 10 days. 
I double checked my " preferences '' on the Chase website and I had not opted out of receiving my statement via email, so there is no chance the statement got lost in " snail mail ''. 
I closed my account which will affect my credit score because I do not believe they were being honest with me in regard to the emailed statement. 
I do n't think my credit score should be affected because I do n't trust a company to produce proper documents so I can pay my bill on time. 
I use a web browser that allows me to go back in time EVEN IF I had inadvertently put an email in the trash. There is no indication that that happened.
Consumer complaint received 2015-04-24
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (ME)

In XX/XX/XXXX or XX/XX/XXXX I was carrying a {$47.00} credit on my Chase Visa. I think it was the balance of a credit from a return I made earlier in the year. Anyway, Chase says they sent me a check for the {$47.00} around that time. I never asked for it, I never received it, it was never deposited. Since it was n't deposited Chase put a stop on the check on XX/XX/XXXX and continued to show my {$47.00} on its books. Sometime in XX/XX/XXXX I made a {$6.00} purchase with my Chase Visa. A Chase rep tells me due to billing issues ( I assume with the vendor, not Chase ) the charge ended up on my bill due XXXX. At this point, Chase owed me {$47.00} and I owed Chase {$6.00} so Chase owed me {$40.00}. But then I get a letter from Chase, dated XX/XX/XXXX, saying it closed my account. The letter says my account was delinquent and as a " courtesy '' they cancelled the balance. I call customer service and ask them to look over my account since it should have a credit. It turns out the problem is when Chase put the stop on the check, they did n't credit the {$47.00} back to my account. They offer to send me a new check for {$47.00} and reopen the account. I asked that they credit the {$47.00} to my account, use it to pay the {$6.00} and reinstate my account. They offer to reopen the account and send me another check again. I work my way up the chain to supervisor XXXX. According to XXXX when Chase cancelled the check, the finds went into " Limbo ''. Since Chase had my funds at all times, I asked him to correct the account to show the credit on XX/XX/XXXX, timely payment of the {$6.00}, reinstate the account showing it should n't have been closed and remove any negative credit information Chase reported. He repeated the offer to send me a new check for {$47.00} and reopen the account, but said Chase would not credit the {$47.00} to the account, would n't use it to timely pay the {$6.00} charge and would n't remove/revoke this from my credit report.
Consumer complaint received 2016-04-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (FL)

I attended XXXX University in XXXX Florida. They called me several times and pursued me to attend classes. I believe they preyed upon a person who did not know what to do. They had me sign all these documents without explaining that it was going to cost me {$24000.00} for a few XXXX classes since I already had an XXXX degree from XXXX XXXX College. I believe this University is a scam and is overcharging students while engaging in predatory practices to get them to enroll. please help.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2016-10-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I have a large amount of private student loans through XXXX now Navient - which i did n't submit for each year that they say i did. Now because i have a very large amount of private loans i ca n't afford to make the payments and have tried working out several payment plans with the loan administrator and have been unsuccessful. I did have an arrangement set up for interest only payments for about 3 years which was affordable but obviously not paying down any of the principal. Today, Navient automatically withdrew {$850.00} from my account with no notification. I tried to negotiate with them for an income based payment but they insist that they have no such program. I simply ca n't afford those payments. I will happily pay what I owe, however, that amount is absolutely not something I can afford. I called them promptly and they said that the only program I 'm eligible for is an EXTENDED payment plan, payments of $ XXXX - a little more workable which puts me not paying off my loans until XXXX at which time, I 'll most likely be DECEASED! I have begged them to put me on some sort of income based repayment program which they refuse to do. There are various reasons why I 'm in financial trouble. XXXX being that I was sick and out of work for 4 years with no insurance and just recently received a social security settlement for back pay for that time. I used all my deferment time during that period. I have since returned to work and ABSOLUTELY ca n't afford the options they 're giving me. If they do n't work with me, I will be forced to file for bankruptcy.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I have asked Navient several times for an income driven repayment plan as I do not have a high income. I was told that they do n't have options for income driven and that my only option was to place my loan in forbearance. I felt pressured into forbearance and was told it was my only option for payment if I could n't afford my high payments. I was never told that I could pay portions during forbearance or that I could put certain loans into forbearance and not others. Forbearance has only made my debt worse and I had to take out a loan from a family member to cover the debt caused by forbearance.
Consumer complaint received 2015-05-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MI)

I have a Navient student loan in repayment and I was trying to pay off the remaining balance of my loan. I had researched on their website that a credit card payment can be made for the amount due over the phone. I always pay more than the amount due, and was planning on paying off the loan with my no interest credit card. I called customer service and they explained I can only make the minimum payment with a credit card, nothing more. I explained this does n't make sense. I can pay every month with a credit card but can not pay off the loan? What kind of policy is that? They would rather charge me their interest every month, where I can still use my credit card to make the payments, rather than pay them all their money at once. That is bad business and nickel & dimeing the consumer. They tried to tell me it was because that a credit card is another form of debt, but if I can make monthly payments with that very same credit card, please explain the difference?
Consumer complaint received 2016-09-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I have been paying off my college loan for 21 years. My balance was initially XXXX. It is or should now be {$6300.00}. but Navient capitalized another {$3300.00}. or XXXX % increase on top of the principal. Raising the balance to {$9600.00}. something. I am at the library left the bill at home so the figures are rounded off. I asked them about a month ago to explain how they applied the interest for capitalization. In the literature they advertise to potential students even at this moment is a complete lie. They say that capitalization occurs at the same rate as the interest you have on your loan. Then how come it comes out at XXXX % when the most level of interest on my loans is XXXX or as they put it 3.45 %. I read almost all of the complaint, well really about half of the XXXX complaints in your database, from XX/XX/XXXX back to XX/XX/XXXX and it was about XXXX per day. Just think of it that is just the tip of the iceberg. Because there are probably many other financial victims suffering this abuse in silence. Please help right this wrong. I think I can also contact my Assistant District Attorney in XXXX XXXX CA. As they handle consumer complaints and fraud very effectively. 
Can you help me?
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. (FL)

My student loans are through Navient. The payment plans are unreasonable. There is no way I can pay my monthly payment. The payments are always changing. I 'm not sure what I am paying for. I tried consolidating my loans, but was hit with a failing job market. The school I attended has closed down and I cant even get my transcript to start more classes to get a better paying job. The loans are constantly rising as well as the interest rates. I currently owe {$31000.00}. My loan has went into default without any knowledge. Was never told the true cost of forbearance or even how my loan has reach the amount of {$31000.00}. They never offered the IBR payment plan. This has caused so much interest. I can not pay this loan with my income. I can not benefit from this loan or the diploma program because the school ( XXXX XXXX XXXX ) has closed and this makes the program void. With this much debt and program of study I cant utilize, I will never pay this off, because I wont make the money to pay it off. I cant get a decent job because I have no college diploma because the school is closed. yet I 'm still being billed XXXX dollars. This company has did so much to students and consumers trying to take everything making it impossible to live a life. I can not benefit from this loan the school is closed and I am so lost and drowning in debt.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

My information has been involved in so many breaches its become laughable. EVERY TIME there is a massive class action lawsuit. The settlement is the exact same thing, the only changes are the length of time i am supposed to receive the FREE credit monitoring. 


Reality - there really is no monitoring provided for free. This is nothing more than giving equifax an excuse to find their way in my email each and every day to try to SELL me MONITORING SERVICES. Which are available for the everyday low price of $ XXXX for a standard account or for the premium account {$34.00}. 

I am opposed to personally paying for the breaches to try to secure my confidential non public information, which was lost IN EVERY CASE by a company REQUIRED TO MAINTAIN MY INFORMATION IN A CONFIDENTIAL MANNER and failed to do so. 

Three companies- Equifax ; XXXX and XXXX XXXX run the largest financial scams that exist in America today. 

Banks and other companies PAY to sell their credit data to the three bureaus, who create files on consumers with as much attention as a kindergarten student staring at a XXXX. Im then responsible for correcting the errors so they can SELL that information to the same organizations who pay to have the information made available. 

Now, the standard resolution to class action suits is FREE CREDIT MONITORING that I HAVE TO PAY FOR? 

This fraud on the American Consumer has to stop. PLEASE HOLD SOMEONE RESPONSIBLE FOR THEIR MISHANDLING of information and make the credit monitoring become more than a revenue stream for these entities THAT NEED TO BE BROKEN UP!
Consumer complaint received 2016-02-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (IL)

I co-signed on a student loan for my grandaughter in XXXX at XXXX University.I have been paying this loan since then. I have paid this for twelve years and they are only saying ive paid {$53.00}. They state they charge interest by the day which i surely dont recall being in the contract i signed. Ive paid off XXXX cars brand new in this time so that should tell you something. This loane should have been paid off, my credit report even says it was closed and here it comes again. Im a senior citizen i can not even retire with this hanging over my head. Ive called XXXX of times no one can answer questions they transfer you or hang up on you! Sallie mae sold their accounts to navient and when you they transfer you back and forth between companies. The last call was made XXXX/XXXX/XXXX i spoke with XXXX, XXXX and XXXX who just kept transfering they are incapable of answering questions or maybe theyre trained that way. At this point i feel they owe me money because ive over paid.
Consumer complaint received 2017-02-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (GA)

Because of my inability to repay my loans, Navient has offered me several Opprutinities of deferment and forbearance, never any income based repayment plan. I was n't until recently that I learned what an IBR was. I believe that Navient and XXXX XXXX purposely offered plans to accumulate more interest for my loan. When offering deferments and forbearances Navient should also proactively offer IBR for borrowers with financial difficulty.
Consumer complaint received 2015-05-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

NAVIENT, A NEW NAME FOR SAME OLD SHADY XXXX XXXX. EVERY TIME I MADE AN EXTRA AMOUNT TOWARDS PRINCIPL TO PAY OFF MY LOAN EARLY. BUT THEY KEEP POSTING THE EXTRA AMOUNT TOWARDS MY NEXT PAYMENT. I CONTACTED THEM SEVERAL TIMES BY EMAIL AND PHONE, BUT REFUSED TO DO WHAT I INSTRUCTED. KEEP READING THE SAME GARBAGE FROM FREQUENTLY ASKED Q AND A. MY ACCOUNT IS CURRENT AND I ALWAYS PAY ONLINE. THIS IS ANOTHER WAY TO KEEP THEIR CUSTOMER IN DEBT BY TAKING PRE PAY INTERESTS.
Consumer complaint received 2022-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (IN)

XXXX Chase Mortgage Payoff, to get payoff amount, to payoff the remaining balance of my homeowners mortgage. I recieved the amount via email, after talking to rep and reciveing a secured password from them. I was told that there was no need to include any paper work with my payoff check. Just a specific address to send the check to. 

XXXX out check for total of payoff amount as indicated, inculding intrest through XX/XX/2022 for {$45000.00}. Addressed it to the mortage payoff branch of Chase. 

XXXX check for the {$45000.00} was cashed and taken out of personal savings account. 

XXXXreceive an inperson contact from a Chase customer that out mortage payoff check was applied to his account by mistake. He ALERTED Chase of this on XX/XX/2022, and we knew nothing of it. 

XX/XX/2022 at XXXX Called Chase customer service to report our cashed check was applied to someone else 's mortgage, and our account will be in LATE status. 
I was told that someone would contact me in 2-3 business days. 

XX/XX/2022 at XXXX XXXX- Called Chase customer service to report that I had not heard back from a rep regarding the mistake and now my mortgage is showing LATE status in payment. After she reserached, I was assured that someone would call me back in 2-3 business days. 

XX/XX/2022 at XXXX XXXX- I went into a Chase branch and sat with a rep there who called the customer service. After recording my complaint and speaking to a rep, she was told that someone would research and call me back in 2-3 busniess days. 

Chase has given me the personal account information of the customer which check was applied and he has recieved a copy of my personal check, and also all the paperwork of payoff on his mortage. As of XX/XX/2022, XXXX, nothing has been done and no one from Chase has called me regarding this issue. I have also received a new payment for my monthly mortgage that states I have late fees and have not made payment on my account, even though they cashed my check on XX/XX/2022.
Consumer complaint received 2015-06-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MD)

I XXXX from XXXX college in Washington DC in 2009. I received my student loan from XXXX but sold to navient. I am having problem refinancing the loan. I can not even get the XXXX for my taxes. I do n't understand what type of student loan is that.
Consumer complaint received 2017-02-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (SC)

I called Navient to lower my student loan payment because I can not afford to pay {$450.00} a month. I tried to reason with them and ask for low income payment but they continued to deny me because my parents were co-signers. We spent 3 hours on the phone arguing and they said they would n't do anything until I was put into collections. They said my type of loan did n't qualify. The bottom line is I can not afford these payments making {$18000.00} a year. Half my income is rent and utilities.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (FL)

I was advised to ask for forbearance after not being able to afford the amount they were asking me to repay. I went to a school that I was not able to obtain a job after completing the program due to not having enough work experience through my schooling. I was never able to obtain a job in the field that I paid around XXXX for and was never able to afford the amount they were requesting me to pay monthly from the beginning which ranged from XXXX-XXXX per month. Even while employed I was told to ask for forbearance and I did the maximum amount of times till recently when I have been unemployed. Needless to say all of this has affected my credit tremendously.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

I have no idea how I over over XXXX. I never was told about my interest. I took out XXXX small loans. I went to a 4 year university and lived on campus for one year. XXXX did nothing to help me. I barely make XXXX with a college degree.I was never told about private and federal loans and going to school out of state. Nothing was explained to me.
Consumer complaint received 2017-03-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TN)

have private student loan through american education services and XXXX. have been paying on this for 10 years and only {$300.00} has been applied to principle. filed this complaint earlier and have not gotten any response yet. they are harrassing my sister who co-signed loan and threatening to sue her. i dont hear anything from them. have asked repeatedly for copies of payments and how they were applied. i am only able to get from 2009 to now on payments from their website ...