davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX, 2016, I applied and was approved for a Chase credit card. The terms of my sign-up bonus were : " XXXX XXXX with a required {$2000.00} spend in the first 3 months. '' On XXXX XXXX, 2016, I contacted Chase via Secured message asking them to change the terms of the sign-up bonus. I found a sign-up bonus that works better for my goals. The new terms were : " XXXX bonus XXXX after the first {$2000.00} in purchases within 3 months of approval, XXXX bonus XXXX after {$10000.00} in purchases within the first year, XXXX bonus XXXX after {$20000.00} in purchases within the first year ''. On XXXX XXXX, 2016, I received a reply via Secure message that stated that " We are pleased to confirm that we will honor your request to receive the tiered XXXX bonus XXXX enrollment incentive. '' The message reiterated the new terms and stated that " After you have exceeded {$10000.00} in purchases and {$20000.00} in purchases, please contact us at that time and we will add an additional XXXX bonus XXXX to the account. '' On XXXX XXXX, 2016, Chase removed this message from my XXXX XXXX XXXX. On XXXX XXXX, 2016, I contacted Chase via XXXX asking them to remind me the terms of my " upgraded sign-up bonus ''. The same day, a Chase representative ( initials XXXX ) replied : " Once you 've reached {$10000.00} spending, you would be awarded XXXX bonus XXXX, or after {$20000.00} spending, you would be awarded XXXX bonus XXXX ''. By that time, I had reached the {$10000.00} threshold and asked Chase to issue XXXX points. The representative advised me to wait until I reach {$20000.00} so that they can submit that request for the full amount. On XXXX XXXX, 2016, I contacted Chase again. They verified that I reached the {$20000.00} threshold. However, they changed their mind and denied my request for additional points. They retracted the written promise that they gave me on XXXX XXXX, 2016 and verified again on XXXX XXXX, 2016. I understand that it is up to Chase whether or not to match a better bonus. However, once a promise is made, it must be followed. I acted upon that promise and tried to spend on the credit card as much as possible to hit the required threshold. By doing that, I gave up on other opportunities given me by competitors. I would have spent significantly less on my BA Chase card, had I not received the written promise, not once but twice. If they were unwilling to extend the bones, they should 've done it on XXXX XXXX. Instead, they did a classic " bait-and-switch '' : they gave me a promise, I acted upon it, and then they retracted once I fulfilled the terms of the offer they extended.
Consumer complaint received 2016-04-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (GA)

Opened an Auto Loan from Chase and made my first payment ~10 days early. Chase calls the other day and tells me that my first payment is late, DESPITE seeing the payment I had made on my account. When I explained to the representative who called what happened, she said that if you make payments via the automated phone system, then the payment will go to principle sometimes. She said she would take care of it but I still do n't know if this impacted my credit or my standing with Chase.
Consumer complaint received 2021-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AFNI INC. (VA)

On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. 
Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. 

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Consumer complaint received 2016-07-03
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (MN)

I graduated from the University of XXXX XXXX in XX/XX/XXXX and consolidated my loans with Nelnet. I now make payment for the private portion of my loans to Firstmark Services and Nelnet for the Federal. ( I believe they 're one in te same ) I was to receive a 1.00 % interest rate reduction after 48 months of ontime payments for my private loan. I was to receive a reduction to my federal loans also which I finally received after fighting them on it! I have always made on payment for both loans. For some reason they are saying that for my XXXX/XXXX/XXXX payment it was received on XXXX/XXXX/XXXX and therefore late and I do n't qualify for the private loan discount. They changed my due date a few times throughout the period. I do n't understand why I qualify for one and not the other? Most Likely because it was originally a {$61000.00} loan and they collect more Interest. If you look at my repayment history you will see I have been very diligent about payments. In fact I 've never missed a payment on anything in my life! Especially this loan. After over 11 years of payments my balance is only down to {$44000.00}!!! I feel completely cheated that they wo n't honor the interest rate discount. They wo n't provide me with proof of the payment invoice showing the date. The payment was made electronically. I need help resolving this matter. I feel taken advantage of by this lender.
Consumer complaint received 2016-11-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (PA)

We currently have a mortgage on property in XXXX PA XXXX with Chase. Chase regularly misapplies payments and will apply payments to principal rather than to the normal payment due. Chase will then contact us to tell us that our mortgage is past due and threaten foreclosure. This happend approximately XXXX month sago and after a conversation on the phone they finally fixed their error. This has now happened again. I contacted Chase on XX/XX/2016 and after a long discussion their representative advised that they had misapplied the XX/XX/2016 payment to principal, would reverse it and issue a new statement within XXXX hours. On XX/XX/2016 i received a new collection notice stating that we were XXXX months behind and we still owed additional funds. Since we pay our mortgage every month this seems quite impossible.
Consumer complaint received 2017-02-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I am a long time JPMorgan Chase Bank Customer, and enjoyed many accounts ( credit, checking, etc ) with the bank for over 10 years. 

On XXXX XXXX, I opened a joined account with my mother ( my mother lives in XXXX, OH XXXX ). Savings account Account # XXXX ; and checking account number # XXXX. Since I live in XXXX and my mother lives in XXXX, we were looking for a bank with locations in both cities. The purpose of these accounts was to assist my elderly mother with financial services. As part of opening a new account, Chase had a {$500.00} offer - 1 ). I was required to deposit {$15000.00} within the first XXXX business into savings and 2 ). to initiate a direct payroll deposit from my employer. If I was to satisfy these requirements, Chase promised to give me a {$500.00} bonus after 90 days.. At the time of the account opening my mother deposited {$200.00} into the accounts. ( {$100.00} into each account ). 

On XXXX XXXX, I deposited {$15000.00} into the chase savings account # XXXX. I also had my mother initiate her first deposit into # XXXX ( scheduled for XXXX XXXX ). 

On XXXX XXXX, I my mother received a letter stating that both accounts will be closed on XXXX XXXX - reason not given. 

On XXXX XXXX, I called to Chase call Center XXXX at XXXX XXXX to understand the decision to close the account. The representative informed me the a decision was made by Chase, the checking account and savings accounts are closed. There is no reason for this action. 

This action by Chase to close my account makes me feel very uncomfortable for the following reasons : 1 ). There appears to be discrimination against my mother, who is elderly and requires assistance with financial decisions. 
2 ). Chase refused to honor the offer of giving {$500.00} for opening the account. This is false advertisement. 
3 ). My mother and I are both foreign born ( something the personal banker opening the account asked me ). I feel like Chase closed the accounts because the personal banker did not want to have business with someone born outside of the USA. 

Thank you for your help.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (GA)

Amazon is running a banner ad at the top right of its web site which states : " 5 % Back at Amazon.com & rewards everywhere '' next to an image of an Amazon Visa card. But when you click on the ad, it takes you to a page that says that it 's 3 % back at Amazon.com. This is false advertising.
Consumer complaint received 2017-02-10
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)

10 Late payments on XXXX loans was never given the option at the time for an income based repayment program. Thought about was only eligiable for forbearance and not informed on all options available to me. Overcharged late fee and was told forbearance would cover late payments. This error has impacted my credit report even though I am current on payments for the last several year.
Consumer complaint received 2016-01-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

We took out a private student loan for our daughter when she was in college. The amount of the loan was for {$30000.00} and it was procured through XXXX XXXX. We have been paying {$600.00} a month for ten years. My daughter has become XXXX XXXX so we have been paying the loan. Then Navient took over the loan and now the payback amount is over {$70000.00}. We called Navient and they said it was due to varying interest rate and penalties. We are now retired and need to lower our payments due to a decrease in income. They wo n't budge. As a matter of fact they informed us we can afford to pay the loan. When we asked how they came to that conclusion, she stated we have a credit card with a credit line of {$35000.00}. That card is for emergencies only! And why should that matter? We said we may have to declare bankruptcy due to the loan and the person at Navient said bankruptcy means nothing to them. They will keep going after us until we pay up. We have tried and tried and tried with no success to lower the loan payments. They are loan sharks and they are going to ruin us. We do n't know where to turn so any help is appreciated.
Consumer complaint received 2017-02-23
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)

Best I can tell my original lender transferred/sold my XXXX student loans to Sallie Mae around XXXX XXXX during which time ( XXXX - XXXX ) Sallie Mae NEVER once contacted me in anyway to inform me that they were now servicing my student loans. In XXXX XXXX a gentleman contacted me on my cell phone informing me that he was with the NY State Dept of ED and he was contacting me about the student loans I had defaulted on. I stated to him that I was wondering what ever happened to those loans because I have n't heard from anyone or received any correspondence in years. After placing me on hold to review my account he then transferred me to another department who after almost 1-hour informed me that my loan was all XXXX but I had to bring my loan current before I could address it. I was told that I hit with {$77000.00} in penalties, interest and fees which have been added to my original loan balance by the loan servicing company ( Sallie Mae ). The bottom-line is that Sallie Mae took over my student loans which totaled {$59000.00} when it was transferred/sold to them in XXXX and intentionally put me in a situation so that they could run up my bill and hit me with an additional fees ( {$77000.00} ) which as of this writing is destroying my credit, limiting my career/business options and even preventing me from securing a home loan or business loan so that I can provide for my family. As of this writing XXXX/XXXX/XXXX Sallie Mae is reporting to credit bureaus that I am 120+ days late and owe {$130000.00}
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NJ)

Looked to lower payments and navient convinced me to make interest only payments. Thankfully I checked with family and friends and they informed me not to do this as it pays no principle and adds greatly to the length of the loan.
Consumer complaint received 2016-01-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

My ex-husband used my identity to put me as a co-signer on his XXXX students loans through Sallie Mae, XXXX. XXXX XXXX XXXX, PA XXXX back in 2008. We were separated at the time, living in separate homes and our relationship was over. I found out about the loans through a letter mailed to me and I immediately followed all steps that the loan company ( SallieMae ) told me to take in order to dispute the charges, including a police report and fraud alerts, etc. The man at the loan company basically told me that he did not believe me, and that there was nothing I could do because the loan was signed with an electronic signature. I never heard back from SallieMae regarding the status and since then the loan has gone to collections. My ex-husband is now in jail and I am not sure what steps I can take to fix this issue. I realize it has been a very long time but he committed fraud and identity theft and I am willing to do whatever it takes to clear my name off his student loan that I did not sign nor did I receive any funds from. 
I am not sure if this is the right place to ask for help, but if it is n't please at least direct me as to where to go or who I can contact.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TN)

Navient does not offer to lower my monthly payments due to financial hardship. I have asked on several occasions to see if my loans can be forgiving once the school has been closed for years for receiving loans and not be accredited. They were basically giving away worthless diploma. Nacient informed me that I should have filed my complaint during a certain time and that I am still responsible. They wo n't even Consoildate it to make the payment more affordable. They are only offering deferments nd forbearance for only 3 months. Please help.
Consumer complaint received 2016-08-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

I feel like I have been taken advantage of by XXXX College, XXXX and XXXX XXXX, now Navient student loans in XXXX. XXXX convinced me into unaffordable student loans which not until after I graduated in XXXX, realized they were private loans. My loans today in XXXX is still about {$80000.00} outstanding! I 've been through deferment and forbearance and all of the steps to find relief and lower payments. I 've been denied the public service loan forgiveness which I never fully understood why. I am currently in year XXXX working in non-profit public service. My loans which they tell me can not be consolidated and the lowest they got down to is roughly $ XXXX/month. I am on-time with my payments. I pay through electronic funds which the discount is included in the $ XXXX/month. Since I 'm married I 'm not able to claim student interest on my income taxes. I have XXXX children. With the income I make, I am not able to enjoy the fruits of my labor to the fullest as it seems as though I pay XXXX mortgages ( well XXXX for real and the other in student loan payments ). I am somehow on a 25-year plan which means I will be XXXX+ years old before paying off this loan. This has to be some kind of mistake. I did n't go to school so that I can pay student loans and be in debt for the rest of my career and life. I do n't know what else to do, but do n't feel I should still owe close to {$80000.00} in combined private and federal student loans. I pray that I find relief in this somehow without have to pay for a lawyer or financial advisor which will put me in more debt. Somehow I would like for President Obama to know about my situation as I know he is doing his best to help students find relief. I 'm lost confused, disappointed and feel suckered at making these payments monthly. Oh and may I add that all of training was done online with XXXX College. I never stepped foot on a campus.
Consumer complaint received 2017-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (VA)

I tried to pay Navient by credit card today by phone. I did this last month. This time they told me that they were no longer accepting credit cards. They said that they informed me of this new change, but they did n't. They tried to get me to pay out of a checking account, but I do n't have it. Now, I have yo try to get a cash advance on my credit card st a much higher rate. That 's the only way I can get XXXX dollars in a day. I think they 're trying to force me to be late, so they can charge higher rates. They failed to correct my address four times in the past to do this.
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (GA)

on XX/XX/2016 I went online and purchased an auto part for a car repair. I called the online company later that day to cancel the order they told me that it would take 2 to 3 business days for the credit to hit my account. On XX/XX/2016 I checked my account online and I noticed the charge for the part as I scrolled down to XX/XX/2016 I noticed the credit back into my account so I contacted Chase and asked the representative why is the credit to my account being offset by the charge? He said this is the way chase post a credit into the account. I said it 's basic math that a negative and positive gives you XXXX so where is the credit back into my account. He of course says it was done on the day of the charge but if on that day my account had XXXX dollars and the part cost XXXX then my balance would be XXXX so if I cancel the part then I should see XXXX credit back to my account. But that 's not what happened Chase is inflating my balance with the credit with the retailer cancelling the charge by offsetting the charge so it 's a wash like nothing happened but there is no credit back to me. Chase is back posting which is not correct the posting ledger should work in real time not posting credits and debits based on their best interest.
Consumer complaint received 2016-01-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/2015 a Chase Quick Pay was created from my husband 's, XXXX XXXX XXXX, Chase Account # XXXX for {$550.00} to go to my personal account to XXXX XXXX, Chase Account # XXXX. When I never received notice that money was transferred, and I never received it in my account, I investigated. I was told that on XXXX/XXXX/2015 it was transferred via XXXX account to XXXX XXXX, account ending in XXXX, with my email address XXXXXXXXXXXX. I did n't know anything about a XXXX account and I do not have any account ending in XXXX. I have exhausted all my efforts to retrieve this money. Chase says it has transferred and can not be refunded. XXXX XXXX said it was never received and that it is an issue with Chase. My husband is a XXXX veteran and we can not afford to have {$550.00} vanish from our accounts. Please help.