davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-28
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (UT)

I have had a large credit card balance for over 13 years. I have been making the minimum payment on time for the entire 13 years. I had requested help many times from Chase to help me get the balance under control. They refused to help by lowering the interest rate. The balance has been about {$14000.00}. Recently I realized Chase was paying down the 16.25 % interest bearing balance and adding the pay down amount to the 19.25 % interest bearing balance. The accounting trick was allowing Chase to add about {$40.00} a month more in interest charges to the 19.25 % balance. So if I continued to make the minimum payment each month eventually the entire {$14000.00} balance would be charged at the 19.25 % interest rate instead of the 16.25 % rate. When Chase can borrow from the Federal Reserve at less than 1.00 % how can they be legally be doing this to me. If this accounting trick is legal then someone needs to change the law.
Consumer complaint received 2016-06-16
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (TX)

This morning I went to Chase on XXXX XXXX XXXX, XXXX, Texas, XXXX, to make a credit card payment. The amount of my payment was {$30.00}. I gave the teller the credit card payment slip and {$30.00} cash. The teller refused to process my credit card payment because I did not present an ID. I told her that I presented my ID when I opened the account ; it is on file with the bank. I also stated that I am not withdrawing money, I am only making a credit card payment. 

The notion that you have to present ID to make a {$30.00} credit card payment with cash is preposterous. Chase is making up rules and that are beyond the scope of any banking regulations. 

This Chase rule is an overreaction to money laundering fears. They even require an ID to process a payment of XXXX cent! By making a blanket rule like this with no proportion, Chase is placing an undue burden on their customers by forcing them to always show an ID even when they are not withdrawing any money! Please force Chase to amend this rule so an ID is not required when making small cash payments. Thank you,
Consumer complaint received 2016-01-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

Chase has blacklisted my personal methods to bank with them. Chase closed down my business accounts many years ago without merit. Apparently this is affecting my personal relationship with Chase, keep in mind I have a mortgage account with Chase. I want Chase to take me off these lists because I am unaware of what blacklisted me. This makes no sense to me.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have been disputing the account XXXX XXXX XXXX, Account Number XXXX for almost a year. This account is a blatant violation of my rights of my consumer according to consumer law a account has to 100 % accurate to be reported on to my credit profile. 
On XXXX the Date Last Active is XX/XX/2022 and on Equifax the Date Last Active is XX/XX/2022. I want this item removed from my credit report. I already filed a complaint with the FTC
Consumer complaint received 2015-04-01
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (VA)

On the advice of the FBI, I 'm sending this complaint on to you. How do I report a teller for applying for a credit card in my name without my authority? On XXXX XXXX, 2015, I made a deposit with a teller at a drive through window. She informed me that Suntrust no longer used the type of debit card I had and that she could obtain me a new debit card. She asked me for a lot of personal information which I questioned and she insisted she needed the information, and she said she could not hear me from the car and insisted that I write down information for her. On XXXX XXXX, I received a letter from Suntrust regarding an application for a credit card and I did not recall the deposit or debit at the time. I called Suntrust and informed them that I had not applied for a credit card, and they said they were putting an alert on my account and would get back to me. It had been a couple of weeks, and I realized I had not gotten the new debit card, so I became suspicious and checked out the receipt from my deposit, and the deposit was the same date as Suntrust claimed I had applied for a credit card. Tonight I called Suntrust and the manager, XXXX, confirmed that the teller had applied for a credit card on my behalf on XXXX XXXX, 2015. Why? All I did was make a deposit - never asked for a credit card, and the teller gave me a long spiel about my debit card no longer being used by Suntrust. I already have XXXX Suntrust credit cards. I do not know what amount the teller applied for or what gave her the notion that she could fill out an application without my knowledge. I am highly concerned that the teller committed blantant fraud as she explained that she needed me to write down information so she could obtain the card for me. Let me assure you, I am clear that she lied by telling me she needed information to obtain the new debit card because Suntrust no longer used the type of debit card I had. She went out of her way to lie to me and then to fraudulently apply a credit card. I believe she has probably scammed other customers, and I wish to have her brought to justice. I reported the information to the manager on duty, and I beg you to investigate please. I do not have my deposit transaction on me today to upload, but the Branch information should be on the receipt. Best regards
Consumer complaint received 2017-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NJ)

Navient failed to notify me of my student loans going active when i was between semesters in school. i wrote them a certified letter that they received on XXXX XXXX 2017 and never received a response. i called them on XXXX XXXX 2017 to have the late payments removed due to their failure to respond and they lied to me saying they did and they were not going to change the reporting. after arguing and getting nowhere i hung up. then instantly after hanging up the phone i log on to navient and have a messge dated for XXXX XXXX. with a letter back dated to the XXXX. either way they never did it in the 30 day period they had, continued to live to me, and didnt make the correction.
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I lost my job in XXXX due to XXXX. I graduated and was unable to find a job. I am married and according to Navient my husband 's income was " too high '' to qualify for lower payments, so they suggested to put the loan on forbearance. My student loan increased from the original {$50.00} to {$98.00} in three to four years. On XXXX, I was informed that I could place my payments for 25 years and that my payments would be around {$650.00} a month. After 3 to 4 years of no negotiation towards lowering our payments, my original balance doubled.
Consumer complaint received 2016-06-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (ID)

I have tried contacting them 3 times in one day to discuss a payment plan that is affordable to me and I was put through to 4 different people the first time then, as I was supposed to be transferred to someone else, I was transferred to take a survey then hung up on. The second time I was transferred to a second person who hung up on me. The third time I called I had the most help, not sure who I spoke with, but they were still not able to get me the answers I needed. The guy I spoke with just told me to call back in one week. He gave me a reason but it did n't make sense to me. I 'm just looking for someone to help me lower my payments to something I can afford.
Consumer complaint received 2017-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (CT)

Navient took over my loan from my previous loan servicer, where I had a 1 % interest rate reduction for maintaining autopay. When I was switched over, I needed to sign up for autopay over again to retain that discount. I did so, however i also needed to switch bank accounts. Unfortunately, the web site was giving me several problems and I spent hours fighting with it. I finally was under the impression that the autopay went through with my new bank account, but it did not in fact go through as expected. As time passed, I was charged for a late payment, and quickly reinstated autopay. When I called to address this issue, I also noticed that my rate had increased by 1 %. To add insult to injury, they blamed me for not making the payment on time, and refused to return to my original interest rate. They even refused to refund the late fees. I called again and asked to speak to the manager. They put me on hold multiple times, for several at a time, giving me the impression that they were working to resolve my issue. They ultimately informed me that they would send it to someone who would potentially fix the rate issue as a courtesy. Nobody ever got back to me, the late fees were never returned, and my rate is still 1 % higher than it should be. There seems to be nothing I can do. I have had these student loans for over 10 years with a previous servicer and never had a late payment in my life. One missed payment that occurred because of their broken web site, and I am now paying them a higher interest rate.
Consumer complaint received 2017-02-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: HW Holding, Inc (TX)

HUNTER WARFIELD INC placed an incorrect credit information to XXXX. 
Instead of correcting the records, they demand my personal information to correct their information. Based on the letter from them, they did n't even get my names correct. Without a paper signed by me, they called it " Verified '' to XXXX. If they can provide any paper signed by me, I 'll upload/send my driver license for your investigators to compare the signatures.
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (AZ)

I pay for 2 loans through Great Lakes. One is a PLUS and the other a student loan under my son 's name. Recently I read a federal finding darting to XX/XX/2014 in which it explained then the practice of mis-recording payments to make it appear that the account was late. If that was not recognized by the person paying the account the loan could fall into default. 
This has happened to me throughout my payment process with Great Lakes. They have given me loan numbers to write on checks changing them a number of times. 
Last month I filed a complaint with Great Lakes but I feel it is of the utmost importance for you t have this knowledge.
Consumer complaint received 2016-10-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TMX Finance LLC (AZ)

my car was repossessed for being late 13 days for {$100.00}. I had just been released from the hospital having had XXXX. I nearly XXXX I have had XXXX loans with titlemax in the past ; XXXX of which I paid off early ( they didi n't like that ). after paying {$130.00} a month for several months I asked them to make a better arangement with me or let me pay off the car. I had borrowed {$1000.00} and made about {$700.00} in payments. I was informed the payoff at that time was XXXX the amount I originally borrowed. while I was trying to get better from XXXX they repo 'd my car claiming they tried to call me. now they want to sell my car at a private auction unless I pay them {$1500.00} more
Consumer complaint received 2016-04-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIRST HAWAIIAN, INC. (HI)

We took out a loan with First Hawaiian Bank for 36 months. Because we paid monthly onetime periodically we were offered a deferred payment option as a gift for paying on time. Particularly this was given around XXXX. This was promoted as a good opportunity for the customer but as it turned out this was a tactic for the bank to charge us another year of payments and thereby charge another $ XXXX thereafter because they charged interest everyday on the balance when deferment was offered. This is a deceptive business practice whereby the bank gives the impression the payment will be collected at the end of the 36 months when in all actuality they are charging interest daily which means the customer ultimately pays XXXX the cost of the original loan. This is a unethical business practice whereby the bank can extort extra charges, interest and fees against customers with a good payment history. This is very deceptive how the calculate the added interest opposed to added the deferred payment to the end which already includes the interest when the payment would have been paid. Shame on FHB.
Consumer complaint received 2016-01-25
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CHECK INTO CASH INC. (CA)

On XXXX a message was left on my voice mail from XXXX XXXX XXXX with XXXX and XXXX XXXX XXXX treating me with XXXX and issuing a warrant for my arrest and contact him at XXXX he left this same massage with my brother and at my place of employment I called back and said he was calling it regard debt from check into cash comapny from 2009. I inform him that the treat of criminal charges was again fair debt collection practices act and i was going to file a complain with cfpb and the state attorney. he reply said that the FDCPA doesnt applied to him because he is a lawyer. then is started to be rude and calling XXXX that i was thief and hang up phone. Then 2 mins later he call me again that contact someone at my work. I inform him that the law in state of California was protecting me and i did n't do anything criminal. the he starting to treating again claiming i was going to me arrested that evening and he can call me from any number and that he can said what ever he wants all that he was being verbally abuse calling XXXX and listen you XXXX, and using XXXX XXXX XXXX and XXXX XXXX that there was nothing i could do. i told him i was going to file a civil complaint and hang up the phone.
Consumer complaint received 2016-05-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ESCALLATE, LLC (IL)

I was an emergency room patient at Presence XXXX XXXX, XXXX, IL from XXXX XXXX, XXXX through XXXX XXXX, XXXX. I, allegedly, was seen by a doctor belonging to the XXXX XXXX XXXX of XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I started receiving phone calls from Escallate , LLC, a debt collector apparently collecting for XXXX of XXXX XXXX, XXXX. I verified my home address with them, and they agreed to send a letter of verification of the debt. To this date, I have not received any verification of the debt, any written communication what-so-ever from the collection agency, or any statements or written communication from XXXX of XXXX XXXX, XXXX. 

The collection agency broke numerous provisions of the FDCPA in attempting to collect this debt, which are outlined in the attached letter. Additionally, XXXX of XXXX XXXX, XXXX, practicing in a non-profit hospital, XXXX XXXX XXXX, violated provisions of the newly-enacted IRS 501 ( r ) regulations, by failing to explain financial assistance policies and failing to send a 30 day notification of Extraordinary Collection Actions. 

After allowing the agency 30 days to send the notification they promised, I drafted a letter to the agency. On XXXX XXXX, I mailed a Certified Letter to Escallate , LLC, outing the laws that they broke and requesting that they cancel the account. I never received a response to this letter, which is also attached. 

Lastly, I was notified that they placed the account on my credit report in XXXX, XXXX, which means they violated further laws by failing to verify the debt prior to it being placed on my credit report. They are also reporting the Date of First Default as XXXX, XXXX. Having been seen on XXXX XXXX, XXXX, the Date of First Default has to be at least XXXX XXXX, XXXX, under provisions set forth in the FCRA. 

It is my firm belief that the collection agency engaged in deceiving practices by promising to send me written verification of the date and failing to do so, thereby exhausting the 30 days consumers are allowed to dispute a debt prior to it being reported to the credit bureaus. They have violated multiple provisions of the FDCPA FCRA, and 501 ( r ),
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2016, I received a XXXX XXXX XXXX Card from Chase in the mail -- WHICH I NEVER APPLIED FOR. The very next day, I called Chase to close the account and find out how this happened. They told me that I had applied for it on XXXX XXXX, 2016 and was approved right away. I fear that either I have been the victim of identity theft, or someone who works at Chase somehow accessed my personal information fraudulently in order to open an account in my name. I had to take time out of my busy life to put a security alert on my credit file and investigate this further.
Consumer complaint received 2015-07-08
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

My bank, Chase, did not process debit card purchases/checks in the order in which they were received, and also waited an unreasonable amount of time to debit my account for several purchases. The result of this was an overdrawing of my account. 

For example, I wrote my girlfriend a check for {$630.00} as my share of rent. She deposited this check on the XXXX of XXXX, and my account was not debited until the XXXX of XXXX. 
I ordered checks on the XXXX of XXXX XXXX noticing I was out after writing one for my girlfriend ) and my account was not debited until the XXXX of XXXX. Meanwhile, all purchases I made using my debit card were immediately processed. This delay of processing checks and account fees XXXX IE ordering checks XXXX while immediately processing debit card payments has resulted in an overdrawing of my account. As an example of delays in processing debits to my account, you will see on my statement an {$80.00} ATM withdrawal, which is described in the statement as " ATM WITHDRAWAL XXXX XXXX XXXX '' indicating that I made the withdrawal on XXXX XXXX. On my statement, this is not debited from my account until the XXXX.
Consumer complaint received 2016-09-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (SD)

I have credit monitoring in place and received notice of XXXX recent inquiries on my credit report XXXX from Chase Bank and XXXX from XXXX Bank. I XXXX are banks that service/offer credit cards branded by XXXX. 
I called both banks to ask why the inquiry occurred and was told that I had applied for a credit card on the XXXX web site by each bank. I told them I did not apply, nor want, a CC from their bank and to cancel the cards immediately. My wife then checked her credit report and found the same thing from these XXXX banks. She also called to cancel XXXX fraudulently authorized credit cards. We received the Chase bank cards in the mail on XXXX/XXXX/16 along with another mailing that we had also been signed up for a Credit Protection program that has a monthly fee that requires us to opt out manually. XXXX denies that any of this occurred from their web site as it takes more than a simple button click to apply for the XXXX credit cards. I 've put a fraud alert on my account and my wife 's account.
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Waterfall Revenue Group (FL)

A-1 COLLECTIONS SVC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX PHONE : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you A-1 COLLECTIONS SVC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : A-1 COLLECTIONS SVC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (KS)

Sallie Mae and now XXXX was my prior servicer. I have been working at a non-profit, as I 'm working towards Public Service Loan Forgiveness. After discussing this goal with Sallie Mae on multiple lengthy phone calls, and switching to the correct income based repayment plan as instructed, I began making what I thought were qualifying payments. I even called a second time to confirm, as was told I was doing all the necessary steps. It was n't until just last year, when a very helpful customer service rep thru XXXX, made comment that most of my loans were not qualified loans, after paying on the loans for 2 years. After a relatively easy application to consolidate into a " XXXX '', which the very nice customer service representative at XXXX XXXX did for me, I am now on track for loan forgiveness, but {$150000.00} of my loans are now 2 years behind in payment. This is VERY financially damaging for me, as my monthly loan payment does n't even cover the current interest accruing.