davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-11
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (FL)

HELLO. I WOULD SOME INFO.HOW I CAN GET SOME HELP WITH MY STUDENTLOAN IAM XXXX I CANT WORK & I HAVE MY MED.PAPERS TO PROVE IT IS THERE ANY SOLOUIONS PLEASE HELP ME?? MY EMAIL IS XXXXXXXXXXXX
Consumer complaint received 2015-12-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

I have been disputing and demanding deletion of accounts and inaccuracies on my credit report for weeks now, and EQUIFAX has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. NOT MINE BELONGS TO A DIFFERENT PERSON WITH SMILIER INFORMATION. Please be advised that this is not my account, but a detect sent pursuant to the Fair Practices Act 1 : USC 1692g Sec 809 ( b ) I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information?
Consumer complaint received 2016-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Rent Recovery Solutions (AR)

I am a victim of identity theft and on XXXX XXXX, 2016 I send a formal dispute to Rent Recovery Solutions ATTN : XXXX XXXX. This request was sent Rent Recovery Solutions via Fax to XXXX and the transmission verification report states result OK. Enclosed with the request was the following : a copy of driver 's license, proof of address, the police report, Power of Attorney, credit report, Social Security card, and police report as required. We have yet to receive confirmation from Rent Recovery that our dispute was received nor have we heard back from XXXX XXXX after several attempts. Our dispute has now been pending for over 65 days and this should have been ample time to at least hear back from the company. I am not requesting that this account been deemed fraudulent and to obtain a clearance letter to ensure my client will not be held liable for this debt at a later time.
Consumer complaint received 2015-07-13
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Coastal Credit, LLC (NV)

I had a vehicle repossessed, but the repossession letter went to an address I never associated with, thus I never had knowledge that the original signer on the loan had become delinquent. I was the co-signed. I submitted a rebuttal letter to the repossession and notified the creditor that if I had been properly notified I could have rectified the situation. Since the vehicle was already sold, and I was not made aware prior to the sale, the creditor responded in a court document that I would not be held liable for the debt. This decision was granted six years ago. I was made aware two ( 2 ) weeks ago that the creditor is now negatively hitting my credit rating for the debt.
Consumer complaint received 2016-12-28
Product: Credit card — 
Issue: Transaction issue — 
Company: DISCOVER BANK (VA)

I paid some bills yesterday from my Bank XXXX XXXX XXXX ( routing # XXXX, account # XXXX ) yesterday XXXX XXXX. I intended to pay my Mortgage XXXX ( act # XXXX ) for {$2200.00}, but when I checked today on line, by bank XXXX XXXX XXXX instead paid my Discover Card ( account # XXXX ) with a confirmation number XXXX. I called DiscoverCard today, talked to a XXXX in Billing department in Delaware, and XXXX said 1 ) she has no record of ever receiving the {$2200.00} and 2 ) that there was nothing that she could do. In other words, the {$2200.00} vanished into thin air!
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (OK)

I rented a car from XXXX in XXXX XXXX for XX/XX/XXXX. It was a Hyundai Accent, XXXX I believe. I accepted the paperwork without checking the mileage ( unlimited allowed within XXXX California ) or the license plate ; I only inspected for damage trusting they were issuing me the correct car. All was fine, I drove about XXXX miles in XXXX XXXX, returned the car on time. 3 weeks later I see {$530.00} in additional charges on my Discovercard. XXXX sends me a XXXX violation showing the car violated a toll for XXXX cents in XXXX California at XXXX on XX/XX/XXXX. I assured XXXX they had issued me a different car and asked that they check paperwork on other Accents issued the same time. I also disputed the transaction with XXXX submitting the only evidence I could find, a photo of the car, not tag, that appears blue ; a Discovercard receipt I signed at XXXX in a XXXX XXXX restaurant same Friday, and a screen shot of my tee time that same day at a XXXX XXXX golf course. I offered sworn affidavits from myself, wife, son and daughter in law, and others who would attest we were in XXXX XXXX that Friday. Discovercard would not consider anything other than the rental agreement ; their people are trained apparently to disregard any evidence other than the rental agreement. The result is if a mutual error is made, vehicles are switched between XXXX weekly rentals occurring about the same time, Discovercard leaves no way for that to be proved because they wo n't request records from XXXX. My only option is to go to court XXXX miles away over a {$530.00} dispute. The {$530.00} is {$50.00} for an admin fee and {$480.00} because they say the toll violation proves I was driving outside the restricted area. I do not believe Discovercard has conducted a " reasonable investigation '' when the only evidence they will consider is the document alleged to have been carelessly, or worse, issued. Yes I was careless in not confirming the paperwork matched the car but who would expect that to happen.
Consumer complaint received 2016-12-24
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (TX)

I applied for a visa using a third part service. The visa company did not comply with its own rules as stated on its website and issued a visa that was not for the dates needed. I disputed charge but Chase credit card said the company said its website says there are no refunds. Assuming this is true, it should n't apply when it is the company that did not follow its OWN rules and I was not at fault in any way. As a result Chase declined the dispute.
Consumer complaint received 2016-07-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

Complaint against Chase - servicer abuse. 
There is not one point of contact for this account. 
On XXXX XXXX, 2016 our attorney stated he spoke with XXXX XXXX ( XXXX? ) who sent a letter from XXXX, XXXX and told him she was reviewing the file and would get back to him in a couple of weeks. 
On XXXX XXXX, 2016 our Attorney was given the names of XXXX XXXX, phone # XXXX x XXXX and XXXX XXXX, phone # XXXX XXXX as the contacts to call to make arrangements to pay on a trial payment plan. We were told to call these people to go through with a trial modification before XX/XX/XXXX. 
However, a letter had been sent by me to Chase, Attention XXXX XXXX on XXXX XXXX, 2016 and again on XXXX XXXX, 2016 in XXXX, XXXX, stating that we had not requested such a plan, with a copy to the Chase office in XXXX, XXXX at XXXX XXXX XXXX. We cited the Complaint # XXXX sent to the CFPB on XXXX XXXX, 2016, which outlined our serious concerns with the terms and conditions of the proposed payment plan, and other requirements designed to waive our basic rights to due process, which were deemed unconscionable. 
On XXXX XXXX, 2016, I called XXXX XXXX who was not available so I left a message. I then called XXXX XXXX at XXXX.who also was not available, but after a holding period, XXXX XXXX came on the line. She was not familiar with the status of the account and put me on hold again to review. She came back on the line and asked if I wanted to make a payment. I told her I had questions regarding the terms, e.g. how is the payment amount determined ; what is the payment applied to ; how is the modification amount determined ; is a title search done ; are we eligible for loss mitigation, none of which she was able to answer. She gave me the following address to send a dispute : Chase ( Mail Code ( XXXX ), XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. She told me that XXXX XXXX was not in XXXX but was in XXXX. She told me that XXXX XXXX 'could not handle everything ' because there were 'other departments involved '. She was aware that another office in XXXX, XXXX has sent other communications to us. I told her I had previously sent a dispute to both XXXX and XXXX ; she said that the department for disputes is in XXXX. XXXX XXXX thanked me for the opportunity to 'provide excellent customer service '. 
I faxed the dispute to XXXX on XXXX XXXX, which had previously been sent to XXXX XXXX and the XXXX office and the CFPB XX/XX/XXXX. XXXX
Consumer complaint received 2016-11-01
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, Recently I tried to set up automatic payments on my Chase charge card, but the online choices were only minimum payment or payment in full. It is obvious that the plan is to stretch out payments for the many people who take advantage of automatic payments, but do n't want to go online to make an additional payment every month. I believe this strategy unethical and must be changed. For example, XXXX gives the customer a choice of minimum payment plus an additional amount. 

In order to improve payment plans for consumers, payment choices must be more flexible, and beneficial for the consumer! 

Please fix this problem! 

XXXX
Consumer complaint received 2015-07-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

To Whom It Might Concern, This is XXXX XXXX XXXX and XXXX XXXX, we are owner of our home at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. We have been divorced and still in contact to care of our children. Judge granted the above address to mainly be XXXX XXXX 's home. We have contacted CHASE quite a while ago to give us a final amount as a XXXX time settlement because we pay CHASE monthly ( {$400.00} USD ) and the payment does not go into the principal or affect the principal, and the principal is {$160000.00}. We are asking for {$5000.00} as a XXXX time payment. We have paid CHASE this monthly amount for more than XXXX years. We originally took out the amount for my XXXX 's and basic house renovating due to old age. I ( XXXX XXXX ) plan to petition for Bankruptcy Chapter XXXX because I am in financial trouble, XXXX XXXX is also having his severe financial burden, I do not know what the destiny of this Home Equity Line of Credit loan because it has both of our names. I also have to pay XXXX XXXX XXXX mortgage as our XXXX loan monthly of {$1400.00}, The principal balance is {$180000.00}. I have been making payment on time because I fear I might loose my ( XXXX XXXX ) only home if I skip the payment and also I want to keep the integrity of my promissory note. The monthly payment is from borrowing and I am running out of place/people to borrow. I professionally seek to have a settlement with CHASE. CHASE is not willing to work with us in any way. We have called in, we have sent letters, we got nothing returned. We feel like we are in trap of interest. I also want to know if this CHASE Principal amount is forgived as part of the Department of Justice-State Attorney Generals National Mortgage Settlement. I respectfully ask for your help of contacting CHASE and give us XXXX time settlement or give us options. 

Looking forward to hear from you and thank you very much for your attention on this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2017-03-21
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (FL)

On XX/XX/2010 I signed a contract with XXXX in XXXX, FL for an auto loan. I never signed any contract with Westlake Financial. They had my account sent to collection for a charge off and also with late payments. When I tried disputing this issue I was told if I wanted my title I must pay the balance of {$190.00} and I was questioning why do I owe a company I was never in contract with. I made a few calls to XXXX XXXX and finally got my title not sure how Westlake Financial ended up with my information but not my only problem is they are reporting negatively on my credit and when I sent information over to them to produce documents to show that I was in contract with them I never got the information. The only thing they keep doing is updating the information through the credit bureau stating that the information is verified and accurate.
Consumer complaint received 2017-01-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX To whom it may concern- I am writing to file a complaint against Chase bank for NSF fees that should not have been assessed. For several months, Chase bank has paid items coming through my account based on " their " discretion. In paying the initial item of my mortgage in which My account was short in excess of {$1900.00}, this caused me to get several hundred dollars of fees per week in addition to cause my account to be in a cycle of being overdrawn for several months. Three months of fees totaling {$3000.00}. The bigger concern is when my XXXX XXXX bill came thru my account to get paid which was a {$5000.00} payment and I was short {$330.00} this item got returned!! This has now had an impact on our relationship with XXXX XXXX. How can Chase continue to pay items overdrawing my account for approximately {$2000.00} per week but did n't pay an item that was short {$330.00}? I have been told when I call it is because " Items are paid at Chase discretion ''. The answer is simple, by paying all the other items coming thru my account overdrawing it by {$2000.00} they were able to charge me extensive overdraft fees because I had pending transactions at the time.!!! This is NOT acceptable. We do NOT have overdraft Coverage NOR debit card coverage therefore they had NO right to pay things overdrawing my account in excess of {$2000.00} allowing them to charge me over a {$3000.00} in fees during a 3 month period. If they chose to do this why did n't they pay my XXXX XXXX bill? How can a bank pick and choose? Would n't it make sense if they were going to choose they would choose to cover {$330.00} NOT {$2000.00}!! Please see the attached statement showing their '' choice '' to pay items coming through my account and the hundreds of dollars paid in fees. I would like to prevent this from happening to other customers and would like ALL my fees from this nightmare for the past several months reversed. We have banked with XXXX XXXX and there are no other banks that would cover a item that would overdraw your account by {$2000.00} unless you had overdraft protection. Chase stated this was done because of our great relationship with them??? Clearly this was done to make money off of us. If it was truly done for our relationship with them they would have paid our {$330.00} shortage for our XXXX item which was a {$5000.00} payment. Thank you for your assistance with this matter. See attached documents. 
Best Regards, XXXX XXXX
Consumer complaint received 2015-11-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

I have XXXX x J.P. Morgan Chase bank accounts. 

J.P. Morgan Chase offers an 'alert service ' to their customers to reduce fraud, and in particular, to ensure that - should an account not have sufficient funds available - a customer is instantly 'alerted ' so as to be able to transfer or add funds to their account/s in time for a payment to be processed successfully. 

This 'alert ' service is widely advertised as a part of the benefits of being a Chase banking or credit card customer. 

Note that this alert service does require some 'setting up ', which I have done, and used successfully prior to this incident. 

From XXXX XXXX 2015, the Chase alert service stopped working completely on all my accounts and Chase credit cards, and I have incurred substantial fees as a result of not receiving notifications of insufficient funds that would otherwise allow me to transfer or add funds in time to avoid such fees. Prior to this, I have used this service ritually with few issues, but on XXXX XXXX/XXXX/15, it began to fail completely, and Chase began to charge me ISF fees as a result. 

Once I realised the issue, I contacted Chase Customer Service, and they insisted that their system was 'working fine ', and that I should set up alerts via 'Push ', Text and email just to be certain. I followed their advice and did so, ( receiving no less than XXXX emails confirming these changes to my alerts. However, despite setting up all alerts via all means, none of them worked at all. Meanwhile, Chase continued to charge me ISF fees, ignored my concerns raised, told me the alerts were just a 'free service ' to me, and were unwilling to assist any further. 

After several calls, emails and texts about the issue to my Chase account manager - XXXX XXXX - he finally requested I come in to demonstrate the issue to him on XXXX/XXXX/15. While in his presence, he checked my alert settings, and then had me perform XXXX x transactions. The Chase alert system failed completely for both, so he agreed it was an issue and pledged to report it to 'National ' customer service for a full refund of the fees. 

To date, none of the fees have been refunded to the account that was used for demonstrating the issue, and as a result, my account/s remain in negative balance. Chase calls and writes constantly to add funds so as to bring my account/s back into credit, but I refuse to do so, as adding funds would serve only to pay Chase their ISF fees, and I am certain any request for refund would be denied. 

I do not work as hard as I do just to pay bank fees, especially when a failure on the banks part is the cause of such fees being incurred.
Consumer complaint received 2016-05-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (AZ)

Last month I paid off the entire previous balance ( {$1500.00} ) and new balance ( {$11.00} ) of my Chase credit card ( a total amount of {$1500.00} ), 11 days before the statement closing date, bringing my balance to XXXX. However, this month I received a bill for interest on the previous balance that was paid off in its entirety ( Balance : XXXX, interest charged to me and due by XXXX XXXX, 2016 is {$11.00} ). My understanding is that if you pay off the entire balance before the statement end date, then no interest should be charged on the purchases. This is how it works with my Chase Southwest Credit Card and XXXX Credit Card. I called Chase 's customer service line twice tonight. The first time the woman was not helpful and argued with me and did not have very good English. I then told her I wanted to cancel my credit card and she made up some excuse that there was a long 10 minute wait to get transferred to someone else who could cancel my credit card. I then hung up with her and called back to try to get someone else and she also did not have good English and told me that all of their systems were down and to call back in 1 hour!! What is going on!!? This seems like fraud to me and I would like this investigated. I do not feel that I should have to pay interest on a balance that I paid down to XXXX 11 DAYS BEFORE THE BILLING CYCLE END DATE.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (IL)

I applied for a mortgage loan on XXXX/XXXX/XXXX. I was denied, in part, based on ratio of balance to limit on revolving accounts and amount owed on delinquent accounts ( XXXX of attachment ). While I have managed to correct much of the incorrect information, I was unable to get XXXX Chase account corrected. on page XXXX of the attachment is a Chase account that shows a limit {$5000.00} and a past due balance of {$3200.00}. The problem is that Chase made a decision on XXXX/XXXX/XXXX to discharge the debt and cancel it as shown on page XXXX of the attachment, a XXXX which I paid federal and state income taxes on the discharged amount as required by law. When I received the credit report from XXXX ( XXXX of the attachment ) on XXXX/XXXX/XXXX, I disputed that there was an open account with a credit limit and balance past due as the report clearly indicates the account is closed, so there would be no credit available and since the debt was discharged there could be no balance, past due or otherwise. I received the dispute results from XXXX on XXXX/XXXX/XXXX ( pp. XXXX of attachment ) and it indicated that Chase verified the closed account with a credit limit of {$5000.00} and a past due balance of {$3200.00} with XXXX and XXXX XXXX had no record of the account. On XXXX/XXXX/XXXX, I contacted Chase to discuss the issue. The Chase customer service employees that I spoke to agreed that the account was closed, that there was no available credit and that the debt had been discharged. However, the credit reporting employee that I spoke to stated that since I did not settle this debt, even though the debt was discharged and there was no longer any attempt to collect, the past due balance would remain on my credit report for a full XXXX years because they could. I explained that I had settled XXXX other accounts with Chase, the employee checked and confirmed that was true. I asked how this could be held against me since this was Chase ' decision to discharge and I was never given the opportunity to settle this account? It was obvious that I was making every effort to resolve everything but Chase decided on their own to discharge this debt without an attempt to settle and now is holding it against me. He stated because we can. It is patently unfair for this account to be shown as having a {$5000.00} limit and a past due balance of {$3200.00}, when in fact that is false. Thanks in advance for your assistance in resolving this. XXXX XXXX