davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-09
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

I have been trying to pay off my student loans since leaving college in 2010. At the beginning of the repayment period, my loans hovered at approx. $ XXXX due. I have paid my student loans ( never late beyond 30 days ) despite job losses and today my payment has increased to $ XXXX with no end in sight. I 've tried income driven repayment plans with no help. Unless I double my payments, I will see no progress in paying down. Not to mention that my loans ( which are supposed to be consolidated ) have varied interest rates attached to each loan. The rates range from 2.10 to 6.8 %. The website used to pay my loans is no help with trying to determine how to properly allocate my payments and the customer service number ( when it 's working ) leads to no help. I do n't understand why a consolidated student loan comes with varied interest rates. I would like someone to review my file and help me determine the best way to accomplish repayment. As it stands I will being paying these loans for 20 years when the rest will supposedly be forgiven.
Consumer complaint received 2016-10-18
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)

Contacted Navient XX/XX/2016 about changing due date for my loans. Date was changed to XX/XX/XXXX. Last paid balance XXXX/XXXX/16, discussed upcoming due dates of XXXX/XXXX/16 and XXXX/XXXX/16. Logged into Navient website XX/XX/XXXX and XX/XX/XXXX prior to XXXX/XXXX/16 showing no payment due and next payment due XXXX/XXXX/16 through AutoPay. All indications were that the account was current and that the next payment would in fact be XXXX/XXXX/16. There is no suggestion that the account is past due on " new '' Navient website or " old. '' Photos are attached to this complaint. Received via hardcopy dated XXXX/XXXX/16 that account is past due, there is a {$46.00} late fee, and I also note that interest rates are no longer being credited 0.25 % for AutoPay.
Consumer complaint received 2015-07-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CA)

I had submitted a previous complaint just last week regarding Navient Private Student Loan. I had complained about an employee who was rude and would n't help us with our situation to extend the Rate Reduction Program. 
I received a call back a few days later from another gentleman ( XXXX ) who said that he was going to request the extension and would call me back on Monday XXXX XXXX. I asked for his name and contact information, but he would only give me his first name. I contacted Navient today, Tuesday XXXX XXXX because I did not receive a call back from XXXX who said he would call me back. I was told that they denied my Rate Reduction. 
XXXX called me back after my complaint last week and he did not go over anything with me regarding our financial situation. I felt rushed off the phone and gaffed off so basically he did nothing for us and was a huge waste of time. I spoke to a supervisor named XXXX XXXX who gave me his employee ID unlike XXXX who did not. I asked if I could be transferred to the department where XXXX worked. He stated that they could n't transfer calls to that department. Well I could only imagine why since I 'm sure they have numerous complaints from the public. Where is the accountability at Navient? 
Currently our balance is {$48000.00} and our interest rate is a ridiculous 9.75 percent. We will never pay this loan off in our lifetime. When Navient went over our budget, I could n't include all of our expenses because they do n't allow pet food or vehicle registration, car maintenance or anything other then bare essentials. This is a nightmare for my family. Our payment was {$230.00} on the Rate Reduction Plan which had been increased from the year prior. We were under the impression that they would continue to increase the payment slowly until we could afford the regular payment plan, but instead they want us to pay over {$400.00} in payments each month with a high interest rate. We are decent hardworking people and all we are asking for is help. We have paid our payments faithfully each month. This is cruel to treat people this way. I only see these large corporations as XXXX, greedy and with a lack of compassion. We feel like slaves who are trapped in debt!
Consumer complaint received 2017-02-01
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)

When Navient took over federal student loans from XXXX XXXX, my information was somehow updated to show that I was late on payments, when in fact my loans was under deferral with XXXX XXXX. I have called and contacted this company twice in regards to this error and as of today, they have not provided, nor corrected my records.
Consumer complaint received 2016-12-27
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (TX)

I BANK FINANCED A CAR AT A CAR LOT CAR HAD PAPER TAGS PAPER TAGS EXPIRED SO I WENT BACK TO LOT TO GET PLATES TO FIND CAR LOT HAD GONE OUT OF BUSINESS THE NEW OWNERS GAVE ME OLD OWNERS NUMBER I CALLED HIM HE TOLD ME TO CONTACT BANK AND THEY WOULD GET ME PLATES WHEN I CONTACTED BANK THEY HAD NO IDEA LOT HAD GONE OUT OF BUSINESS AND STATED THEY WOULD OBTAIN TITLE AND PLATES FOR ME THAT WAS XXXX 2016 AND STILL AS OF TODAY I DO NOT HAVE TAGS FOR THE CAR SO I CANT DRIVE THE CAR OF PURCHASED XXXX/XXXX/16 BECAUSE THE BANK CAME BACK AND STATED THE CAR LOT NEVER COMPLETED THE TRANSFER OF TITLE FROM THE PREVIOUS PLACE THEY HAD GOTTEN THE CAR FROM SO THEY SOLD ME A CAR THEY DID NOT HAVE POSSESSION OF. IVE BEEN CATCHING THE BUS XXXX AND PAYING FRIENDS AND FAMILY TO TAKE ME HERE AND THERE AND BACK AND FORTH TO WORK MY CHILDREN HAVE BEEN LATE FOR SCHOOL ON NUMEROUS OCCASIONS AND ME AT WORK HOWEVER IM STILL MAINTAINING INSURANCE ON THE CAR
Consumer complaint received 2016-04-13
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (MN)

I have not been able to access my account for 2 months. They have not been sending me updates on what is happening. I have been sitting in the dark until I have to ask for updates. I do n't see why it is taking so long to fix my account.
Consumer complaint received 2016-05-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WA)

We have been trying to get a loan modification with Chase Bank since XXXX XXXX, XXXX. We asked for a loan modification and a reduction in principal since we have been paying a interest only payment from XX/XX/XXXX through XX/XX/XXXX. They would not work us at all, however in XXXX Washington Mutual who was the original lender assigned the deed to Chase even though Washington Mutual went out of business in XX/XX/XXXX. We are asking for a reduction in principal and forgiveness as we can not afford the payments on this XXXX mortgage / heloc. We are asking for relief and help in this case.
Consumer complaint received 2016-04-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

My mortgage payment check was deposited into a XXXX XXXX account instead of nationstar. JP Morgan Chase has released my money to someone other than it was intended for. I filed an affidavit with Chase on XXXX XXXX, 2016 and am still waiting for my {$1800.00}. Chase stole my money. I want it back with interest.
Consumer complaint received 2015-05-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (FL)

I Requested this company in Writing to Validate this Debt. I asked them to Send me a copy of the CAR NOTE with my Signature and they Refused to. I have no Recollection of this account # XXXX XXXX XXXX XXXX and want It Removed from all XXXX Major Credit Reporting Agencies ASAP.
Consumer complaint received 2016-07-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (MI)

Found an Hard Inquiry on my consumer credit report from Chase Credit card Entry on my credit report dated XXXX XXXX 2015. Was not written or verbal consent to have that hard inquiry for credit at that time made by me.
Consumer complaint received 2016-02-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (MD)

Auto loan XXXX, 2012 for {$8400.00} Paid over {$11000.00}. Requested full verification and requested explained how the added interest fees or other charges due that not agree or not permitted by law. Requested & they would not respond.
Consumer complaint received 2015-08-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Back in XXXX 2015 my wallet was stolen and my credit cards used, all of which have been deactivated and my money refunded. The appropriate Police Report was filed in XXXX 2015 immediately after the wallet theft episode. Also, the thief got into my checking account and pulled money from it. Said money was also returned by my bank and the account closed. Unfortunately the thief has my driver 's license and I want to stop him from using it. I have worked real hard to identify the thief and I am writing to you to ask for help. 

The thief used ACH to pull the money which allows one to see the account to which the funds were sent. I contacted the bank to which the funds were sent but they will not give me any information. They said they need it requested by my bank or the police. 

I contacted the police immediately since the theft ( back in XXXX 2015 ) and repeated attempts to get them to help me have yielded absolutely no results. In fact, on my own, I was able to get information that the police said they could not get. The detective on the case has not proven interested in helping. He says that the bank will not give him information, information which I was able to get with one phone call. I gave up on the police after 5 months of trying. 

The bank refuses to work on this because they say that for the money that was stolen ( {$150.00} ) it is not worth their time and that I have been refunded said money. 

This means that, while there is information that would allow the police to ID the thief, and maybe stop him from using my drivers license to inflict more financial damage to me, no one really cares to help me. 

I need someone to compell the bank and/or the police to act in assisting me ID the thief and stop him for further attempt to steal my money and perhaps even my identity. 

Can you provide some assitance?
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (NY)

I own a Chase Slate card since XX/XX/2014.My limit is XXXX dollars.My current balance i XXXX. I am never late with payments.At the begging when I got the card I was sending XXXX dollars minimum payments but I saw no change in the balance..so I started sending double the minimum payment. XXXX dollars a month.Still no change.So, I decided to send XXXX dollars a month.Still no change. I decided to call Chase Slate. Doing the call I was told that my minimum payment was XXXX dollars and my interest was 55 to 66 %, plus they have a fee of XXXX dollars a month that I was not aware of because it was not there when I got the card. That means that even tho I 'm sending way over the minimum payment, the fees and interest takes most of my money..so there is no money left to pay the minimum, so they hit me with a late charge and my XXXX dollars payment is like it never was. Doing the phone conversation with Chase Slate, the telemarketer suggest I should send XXXX dollars a month. I ca n't afford to do that.I think my XXXX dollars payment should be enough because my minimum is XXXX dollars.The interest is ridiculous, abusive and fraudulent. They are playing with my money and I am trap paying a bill that never gets paid even tho I am sending payment on time.
Consumer complaint received 2015-06-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

To Whom It May Concern, I am filing this formal complaint because I feel that Chase/XXXX XXXX is not honoring their part of the agreement with the government. I have been trying to get a loan modification since the beginning of last year. During that time Chase/XXXX XXXX has put me through a ridiculous ordeal. I have a legitimate reason for hardship. I used to make over $ XXXX a year before XX/XX/XXXX, before the economy took a turn for the worst and now I am on Social Security XXXX. I have had to borrow money from family and borrow from my retirement just to make ends meet. I believe that Chase/XXXX XXXX illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had Chase/XXXX XXXX not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed and mailed and emailed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone XXXX. My mortgage is currently 55 % of my gross monthly income. If that is not considered a hardship by Chase/XXXX XXXX, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated in XX/XX/XXXX and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that Chase/XXXX XXXX is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. I do n't want charity, I just want what is fair and right.
Consumer complaint received 2016-12-06
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PMAB,LLC (DE)

PMAB , LLC failed to adequately Validate a collection that was placed on my credit report. 

In XX/XX/2016, PMAB , LLC placed a medical collection on all XXXX of my credit reports. On XX/XX/2016, I submitted, via certified mail, very specific requests to validate the stated collection. Their return correspondence dated XX/XX/2016, did not address the items requested for validation purposes. Therefore on XX/XX/2016, I submitted another letter to them, via certified mail, stating that they 've failed to validate the debt the as requested and compliance was still required. They responded again with only the same documentation as before. So on XX/XX/2016, I sent them an additional letter to request deletion of the collection account on the XXXX credit reports. I also submitted disputes with all XXXX credit reporting agencies. 

To date only PMAB , LLC only authorized deletion from XXXX and XXXX. The collection account, which was not validated, is still reporting on my XXXX credit report. On XX/XX/2016 I submitted to PMAB , LLC my final correspondence via certified mail for immediate deletion of the collection account that is not mine.
Consumer complaint received 2015-05-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bepensa Capital, Inc. (MD)

I have sent a letter to them regarding the matter. However, no one sent a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX. '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2017-10-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (FL)

1. On XX/XX/XXXX called and held on for at least 25 =minutes. Then tried their on line system then showed 2 wrong telephone numbers., therefore, could not access account information.
2. on XX/XX/XXXX I called and held on for 25 minutes then gave up.
They changed there on line system with the correct last 4 digits of my phone number.
Answered yes and received a 5 digit code. The code did not work.
3. I am concerned that XXXX breach might have allowed someone to steal my large CD.
Consumer complaint received 2015-10-30
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (TX)

I PURCHASED A LOVESEAT FROM XXXX AND PUT DOWN {$130.00} ON THE FURNITURE AND FINANCED THE REMAINING. I RECEIVED A BILL FROM XXXX THRU SYNCHRONY BANK AND THE RETAILER DID NOT PUT THE {$130.00} TOWARDS THE PURCHASE AND CHARGED ME FOR THE FULL AMOUNT. THE {$130.00} WAS NOT SHOWN ON THE BILL AND THEY BOTH CLAIM SEPARATE FUNDS WHICH THEY DID NOT EXPLAIN AT THE TIME OF PURCHASE. I FIND THIS VERY DISTURBING AS EVERY ONE OF THESE CREDIT CARD COMPANIES CLAIM SEPARATE MONIES TOWARD THE SAME BILL. 

ANOTHER CREDIT CARD COMPANY XXXX SENDS YOU A CREDIT CARD AND THEN A WEEK LATER SEND YOU INFORMATION ON THE CHARGES INVOLVED AND START SENDING YOU BILLS AFTER YOU HAVE CANCELED THE CARD. 

THIS IS NOT A ISOLATED ISSUE AND I STRONGLY FEEL THAT THESE ENTITIES ARE SCAMMING PEOPLE AND I HAVE ALREADY CONTACTED THE MEDIA ON ONE ISSUE AND I WANT THESE SCAMS TO STOP AND I WANT IT TO BE PUBLICLY OUT THERE TO WATCH FOR THESE SCAM ARTISTS. 

THE CREDIT CARD COMPANIES AND THE BANKS ARE STEALING MONEY FROM PEOPLE AND THEN TELLING THEM AFTER THE FACT AND I 'M SURE IN SOME INSTANCES PEOPLE DO NOT EXPECT THIS AND USE THE CARDS AND THEN GET STUCK WITH ALL KINDS OF BOGUS CHARGES. THIS NEEDS TO STOP.
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2017, Syncrony Bank submitted a documentation to THE UNITED STATES BANKRUPTCY COURT FOR THE XXXX OF FLORIDA XXXX DIVISION IN VIOLATION OF FCRA, FAIR DEBT COLLECTION PRACTICES ACT ( 15 USC 1692 ... ... 15 USC 1692g ... ). I do not have any liability or any debt with the banking institution mentioned about. 
If the CFPB want to refer this case to any other federal agency or agency 's.
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

I paid off this bill with XXXX with a XXXX visa gift card in XX/XX/2015. XXXX claimed they never recieved the payment. I emailed and faxed over proof of payment. They continued to ignore and placed it into collections. The collection was FINALLY removed 3 months ago, but now it seems as it has resurfaced. This is damaging my credit. I WILL SUE XXXX!!!
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (TN)

My father obtained a credit card in my name and the debt went to collection before I was made aware of the debt. I contacted the debtor and proved I did not incur the debt and therefore, did not owe it. According to my mortgage company, the debt is still on my credit record. I received a copy of the XXXX report and the debt of {$6000.00} appears to be deleted, but my mortgage company states the debt still resides on my XXXX report.
Consumer complaint received 2016-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX, the seller of property at XXXX XXXX XXXX, XXXX, CA, accepted an offer to sell her mobile home on land and opened escrow with XXXX XXXX. Since there was a mortgage on the home ( originally with XXXX XXXX and then sold to Chase Bank ) Escrow requested the pay off amount and a conditional lien release from Chase Bank on XXXX XXXX, 2016 per California Dept. of Housing & Community Development ( HCD ) requirements. 
Dozens of requests and phone calls later we still do not have the conditional lien release. Chase 's inability to provide a simple Conditional Lien Release is jeopardizing the seller 's ability to secure a permanent new home to live in ( she 's currently living with friends ) and the buyer 's desire to own this property. 
Our last contact at Chase Bank was XXXX XXXX, a Senior Service Rep Escalator at ( XXXX ) XXXX ext. XXXX. Chase Loan # XXXX.
Consumer complaint received 2016-04-20
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

I have had an ongoing issue with Chase pertaining to a late payment incurred on my credit report for a missed payment for XXXX 2015, which reported as a XXXX 2015 late payment. The late stems due to the mistake of the booking keeping service I hired to pay my bills ), who failed to submit a payment to Chase, while at the same time sent m a month end statement that showed Chase had been paid. Hence I was not aware of the missed payment. I paid the account soon as the delinquency was brought to my attention. I had called Chase and was asked by them to send them proof of this error and in turn they 'd remove the late payment under the fact that the late was due to a " 3rd party error. 

I not only sent them the letter from the book keeping service, but I also sent them a copies of my XXXX XXXX bank statements, which showed I had over {$230000.00} at the time of the missed payment ( see attached statements ). 
Chase however responded back, by simply sending me statements and claiming that the payment was not received on time and that they wo n't remove the late payment despite the fact that I have proven to them this was a 3rd party error and I had sufficient funds to make the payment ( see attached response ). Additionally, another XXXX bill of mine had fallen behind on the same date due to the bookkeeper 's error, and XXXX was more than willing to remove the late payment when I presented my case.