davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-29
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NV)

I recently contacted Navient to start a payment plan on my private which I owe a crazy amount of XXXX or so. The man I spoke to was very helpful and stated he could lower my payment to XXXX a month and I was ok with that. However, I kept receiving emails my account was past due. When I called Navient reps were not aware I was on a payment plan and transferred me back tot the man that had originally set me up with a plan. The man stated that the payment plan had been declined and did not provide a reason and that the full XXXX a month was due plus late fees. I was appualled no one informed me that the payment plan on based upon approval and the man still took my payment of XXXX for the month of XXXX and did not cancel my future payments of XXXX for the next XXXX years. I tried to negotiate another payment plan and he said I did not have any other options and they my loan would go into default. I am currently in good standing with my federal however Navient is not working with me on my private loans. My private loan is XXXX years old and the interest rates are over the roof! I never was counseled by XXXX or XXXX XXXX XXXX know known as XXXX XXXX about getting private loans. I strongly feel I was a victim in getting into private loans. The schools took advantage that I had no family support to continue my education and lured me into private loans. I was always under the impression that I had only federal loans. Navient is ruining lives and I strongly feel the government should punish them. I have been trying numerous times to work XXXX XXXX and now Navient on my private loans. I am just asking for a affordable payment! Please help me find a solution I do n't want this to go into a legal battle.
Consumer complaint received 2016-11-30
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (PA)

I decide to attend XXXX ( XXXX ) through there online courses from XXXX when I graduate in late XXXX. From the start the process to enroll and the classes themselves seemed way to easy but I was eager to get a degree and start my dream career. After graduating it took months of constant contact asking where my diploma was. Meanwhile they kept telling me it 's on it 's way in the mail. Finally 6 months after graduating it arrived. 
Now a few years later I 'm still not able to get a job in my field so I 've been doing research and find out the school is not legit and is not an accredited school. 
It 's financially breaking me to keep paying these loans. On top of that it 's also breaking my parents financial as well because they took on the responsibility of a large part of my loans because after the first 6months to a year I did n't qualify for financial aid. 
All I want is to be relieved of my remain 7-8 years left in my loan and to finally be able to have a chance to make it in the future without this debt. Even more so I 'd love to be able to tell my family that they no longer have to worry about the loan they took on for me, as they are paying more than I am per month. 
Any help would greatly be appreciated! 

Thank you, XXXX
Consumer complaint received 2017-02-13
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (TX)

Mortgage refinance process is now 8-1/2 months into the loan process ; was told by loan officer it would take 2 months. I have been told I have had clear to closes on at least 3 different occasions during the timeline, yet internal issues/delays with the lender has caused them to push the process back repeatedly.
Consumer complaint received 2016-01-04
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (CA)

I have a credit card with Chase bank for XXXX - XXXX XXXX. Online billpay was setup with XXXX XXXX XXXX, and the option to not send paper bills is enabled through that interchange. Chase for a period of 2 months did not send electronic bills, sending account into collections. The Electronic Data interchange ( EDI ) between XXXX XXXX XXXX and Chase is setup in a Push method - Chase has to send them bills. So all Chase needs to do in order to collect late fees and interest is not send bills, which they did in this case. I paid the balance and closed the account. Today I received an electronic bill for another fee related to this issue, and I received it via XXXX XXXX XXXX. So, this issue was entirely manufactured, and I can trust it has affected other electronic banking users.
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX/XXXX/16 : I spoke with a Chase Sapphire Preferred Customer Service representative about downgrading my card to a no annual fee card after seeing an annual fee appear on my statement. The representative told me that I had a 180day grace period to decide on the change and the annual fee would still be waived, so I chose not to downgrade my card that day to give myself time to decide whether to keep the card or not. 
XXXX/XXXX/16 : Spoke with XXXX ( XXXX? ) around XXXX PST on the Chase Sapphire Preferred Customer Service line to downgrade my card to a no annual fee card within the 180day grace period. She told me that the grace period for downgrades was actually 60 days, not 180, and that this has always been the company policy. Now instead of having the annual fee re-credited to my account, I have only received a prorated amount based on when I downgraded. 
XXXX/XXXX/16 : I called back to see if I could get any more information about the call I made in XX/XX/XXXX and spoke with a CSP supervisor regarding the misinformation, and he told me that there is no grace period for downgrades and that the annual fee would be prorated no matter the amount of time after the downgrade. He also put a complaint from me on file. 

I spoke to XXXX different people and got XXXX different answers, which can make up to a {$95.00} difference on my account.
Consumer complaint received 2016-04-14
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (WA)

My purse was stolen on XXXX/XXXX/16 in XXXX, WA. We canceled all cards and closed our bank account with Chase and opened a new account. We also were told that there was a " flag '' placed on our accounts. The person who stole my purse did NOT have my social security number and only had the closed bank account number. She went to XXXX Chase bank branches in XXXX, OR four days after the theft and withdrew {$2200.00} and {$1400.00} against our NEW account. She did not have the new account number and Chase did not ask her to swipe a debit card or provide a pin number. The only item she had was my Driver 's license and Chase basically let her drain account in one day. Following the withdrawals Chase told us that we would not get our money back for 30 days and that we could not take the remainder of the money out. We had to call numbers of times, wait on hold for hours and hours. I emailed the CEO and called the Executive Offices to finally get help. We were able to get our money back in a week, but only because we were so vigilant. The overall issue that Chase gave XXXX of cash away to a person who did not have sufficient information and then failed to return our money in a customer service oriented fashion.
Consumer complaint received 2016-08-02
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NJ)

Home Equity was modified under XXXX ... CHASE HAS NOT UPDATED SYSTEM AND KEEPS CALLING SAYING THE LOAN IS IN ARREARS ... .SPOKE TO THEM TRYING TO CORRECT AND TO NO SATIFACTION
Consumer complaint received 2015-06-10
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

Dear Madam/Sir, Chase Bank cancelled my credit card then reinstated it via your help ( please see docs ). after reinstating, they are not sending my credit card statement hence creating a scenario of me defaulting. This is not a way to retaliate. Please help as I am becoming a victim here. Card # XXXX. 
Very Sincerely, XXXX XXXXc.c. XXXX XXXX Chase Executive Office
Consumer complaint received 2016-08-09
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

Last year, I took out a loan of XXXX. I have paid XXXX installments of XXXX, but thereafter, they told me that I was not done paying because I needed pay interest and fees. I was not aware of this when I first agreed upon it. The representative said that I was only going to pay XXXX installments. I have emails to support my complaint of the amount I borrowed. After I told them not to take any more money through ACH payments, they still attempted to take money from my account without my authorization.
Consumer complaint received 2016-11-09
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I saw {$760.00} was taken out of my account via XXXX. I did not authorize this nor was I aware of this. The XXXX transaction was made on XX/XX/XXXX and was paid to a person saved on my XXXX contact list ( XXXX XXXX ). I then immediately checked the emails attached to the XXXX and it did not match with my contacts list. I have XXXXXXXXXXXX as her email, but the fraudulent XXXX went to XXXXXXXXXXXX. I then called XXXX XXXX and she verified she did not receive any money nor does she recognize the hotmail email address. I then went to a Chase bank and told them of this fraudulent activity. We then immediately closed and reopened my checking account and reissued all my credit cards. I was also told there was a login on my account in Michigan, and since I live in XXXX and have never been to Michigan, I was assured I would be reimbursed. After this, I field a police report at my local police, called XXXX to put fraud alerts on, filed a report with FTC for identity theft, and now filing a report on Chase with CFPB. On XX/XX/XXXX, I received a claim denial from Chase. I visited a Chase branch and called them again, and they refused to provide me with documentation as to why my claim was denied. They also called me a liar and told me they truly believed it was me that sent the XXXX. I told them it was definitely unauthorized, as they can see the emails did not match as well as the fraudulent email was part of XXXX which I have no idea what it is, but I asked XXXX XXXX if she was part of it and she did not know what it was either. 
I have made XXXX payments to XXXX XXXX in the past, and I told them to cross-reference the emails and they can see it does not match. I even told them they could call XXXX and verify everything I said, but they still stated I was lying. I gave them my police report but did not look at it and told me there was nothing they could do.
Consumer complaint received 2015-05-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

While on hold with XXXX XXXX reservations, I heard a Chase credit card offer for a card that would XXXX XXXX XXXX Mileage Plus points if {$3000.00} were purchased in the XXXX 3 months. The number to call : XXXX called that number, and was told no, the card provided XXXX miles if {$1000.00} were purchased in the XXXX 3 months ( still a good offer, I do admit ). When I asked about the discrepancy, I was eventually given a supervisor named " XXXX. '' XXXX told me to call a different number : XXXX. It turns out that number does not exist.
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (NJ)

I receive several phone calls daily without actual voicemails left, just automated menu recording thinking I picked up the phone when my voicemail message comes on. I try to call the number back and it does n't work. Then I finally find your website where I think I can pay online but it wo n't let me apparently its not compatible with my browser. Then when I actually do get in touch with an actual human being to make the payment on the debt I owe, the customer service representative attempts to transfer me to the XXXX department and there is no one in the office because apparently people have left early for the day. I get it that XXXX is close to XXXX but do n't say you are open until XXXX when you are not. Dealing with credit and debt affects our lives and our future and I do n't really think its acceptable to leave early for the day or to make it impossible to make payments online! I was never given a registration code or log in information that would enable to pay online. Its so obvious that making it difficult for people to pay leads to late fines which equals more money for you. I think it it is absurd to have a computer calling me XXXX XXXX times a day and when I try to pay my debt, the people who are supposed to be there to help me with that decide to leave early for the day or the weekend, unless they were purposely ignoring their phones.You would think you want me to pay my debt successfully when in reality it is starting to look like the longer it takes me to pay my debt the better it is for you.
Consumer complaint received 2016-06-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: TRANSWORLD SYSTEMS INC (NC)

I WAS ENROLLED TO XXXX XXXX IN XXXX IN XX/XX/XXXX - THROUGH XXXX - THEY GOT ME XXXX PRIVATE LOANS THROUGH THEIR LENDERS AND FED STUDENT LOANS - I WAS BORN AND RAISED IN XXXX, PA AND EXCELLED IN XXXX SCHOOL AND XXXX COLLEGE -I TOOK THEIR ASSESSMENT EXAMS AND PASSED THEM AND WAS ADMITTED TO XXXX XXXX XXXX HOWEVER, I ALONG WITH SEVERAL STUDENTS STRUGGLED UNDERSTANDING XXXX INSTRUCTORS, WHO WERE TRYING TO TEACH US IN ENGLISH, AND THIS BECAME XXXX AND I COULD NT UNDERSTAND THEM AND COULD NT FOCUS. SO AFTER 2 YEARS I DROPPED OUT AND STARTED FROM SCRATCH IN XXXX COLLEGE IN XXXX FIELD - I RESUMED MY STUDENT LOAN PAYMENTS WITH XXXX ETC ... BUT WAS UNABLE TO REACH MY LENDER DIRECTLY WHICH HAD SOLD MY LOAN TO 3RD PARTY - XXXX XXXX XXXX, WHICH ADDED HUGE COLLECTION PENALTIES TO MY LOAN - AND THEN KEPT CHANGING COLLECTION AGENCIES - I 'VE MADE ATTEMPTS TO REACH A REASONABLE PAYMENT PLAN WITH THEM, BUT NO SUCCESS - RECENTLY THIS LOAN WAS SOLD TO TRANSWORD SYSTEMS INC- ACT / # XXXX - I FOLLOWED UP WITH THEM TO SET UP SOME REPAYMENT PROGRAM, THEY SAID THEY CAN NOT DO IT, AND WILL FILE JUDGMENT AGAINST ME AND FORWARDED MY ACCOUNT TO XXXX X XXXX XXXX ON XXXX/XXXX/XXXX - I FINALLY REACHED HER AND SHE SAID THAT SHE DOES NOT SEE THIS FILE WITH THEM, BUT WILL REPLY BACK, WHICH SHE NEVER DID, -FINALLY, I CALLED AND LEFT VOICE MAIL FOR THEM FOR FURTHER ASSISTANCE AND GUIDANCE. - BASED ON MY RESEARCH, XXXX XXXX XXXX HAS DESTROYED STUDENT 'S CREDITS AND FUTURE BY NOT WORKING WITH THEM. 
ALL I 'VE REQUESTED THEM IS TO WORK WITH ME, SET UP REASONABLE TERMS / CONDITIONS FOR REPAYMENT PLAN- I 'VE GOT A GOOD PAYING CONTRACT JOB AND AM WILLING TO MAKE PAYMENTS XXXX XXXX XXXX I HAVE ATTEMPTED TO REACH XXXX XXXX AND WAS ADVISED THAT SHE NO LONGER WORKS THERE, INSTEAD I WAS ASKED TO SPEAK WITH SOME GUY, WHO CLAIMED TO BE MANAGER ( DONT RECALL HIS NAME ) I HAVE RECD LOAN COPIES, ITS PARTIAL PROMISSORY NOTE, ITS MISSING SEVERAL PAGES AND MY SIGNATURES. 
ALSO, I 'M REQUESTING THAT MY DAD XXXX XXXX XXXX CELL-CAN BE CONTACTED FOR FURTHER COMMUNICATION ( I AUTHORIZE HIM TO SPEAK WITH YOU ) THANKS
Consumer complaint received 2015-07-24
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (NY)

My business bank account is with chase bank. I had to open a new account after my first account was compromised by counterfeit checks being cashed against my account. Approximately XXXX weeks into having this new account opened it was once again compromised and counterfeit checks were being cashed. I reached out to my branch and explained to the branch manager XXXX XXXX what was occurring. I was informed that alerts were being put in place so that checks presented that I did n't approve with there security feature reverse positive pay would not be cashed but that was not the case instead the counterfeit checks were being presented and cashed without my authorization. I was informed I should enroll in another security feature called positive pay which requires me to enter manually all checks that are written in my account and only those checks will be cashed. For a few days counterfeit checks were being repeatedly being cashed even with these security features in place. I contacted the fraud department and had to fill out affidavits for each occurrence of checks cashed in order to have the transaction reversed and money put back into my account. Everyday for the last XXXX weeks I have been calling the fraud department to have the money placed back into the account and is being told that the claim with my affidavit was approved but is being investigated and each day given a new date in which the money will be put back in the accounts each day I check the account and the money is sill not in the account and I 'm told it 's still under investigation. Also the security feature positive pay that is suppose to protect my account was due to be in effective as of XXXX XXXX, 2015. Each day my secretary manually inputs only checks that should be cashed. Each day we look at the account and it says service pending. After being on the phone for XXXX hours I was told it was not activated due to us inputting checks via an XXXX which is considered to be a mobile device so in turn my secretary started inputting checks via a desktop and this was suppose to activate the service within XXXX hours. XXXX hours later the same service pending shows on our account. Each day I 'm on the phone arguing for XXXX hours to secure our account because chase has no idea how to secure and protect our account. My employees are refusing to attend work because at the end of the week there checks ca n't be cashed. I 'm losing XXXX hours each day in my business due to being on the phone for countless hours with chase who can not resolve any of my issues. I receive no call backs and am being transferred numerous time to all different department so different people who have no idea how to help me or how to secure this account and protect my money for my business
Consumer complaint received 2016-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA (IL)

I began paying Student loans in XXXX XXXX. Beginning Balance was XXXX @ interest rate of 6.55 %. Have made all payments required by the U. S. Department of Education through XXXX, XXXX. At that time I was informed that my loans were transferred from XXXX to MOHELA, another U.S. Dept. of Education loan servicer. Automatic debit to my checking account has continued on the XXXX of each month to the present. I calculate that I have paid more than enough interest during this 4.5 year period to reduce my principal. Instead, MOHELA says my principal balance has increased to {$36000.00} as of XXXX/XXXX/XXXX. So while I thought my principal balance was being reduced each month, my principal balance was increase by {$4600.00}. I can not determine how this is possible from the XXXX website, or from my conversation with their HELP line. All Loans were for a degrees at XXXX in XXXX, KS
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (SC)

I found a charge on my monthly statement to XXXX that I did n't recognize. I then called XXXX and talked to their customer service department. XXXX at first would n't tell me what was ordered. Then they told me that it was sunglasses and it was sent to XXXX SC. The other side of the state where I do n't know anyone. They said to file a complaint with the credit card company and they would refund it as it was obviously a fraudulent charge. 
I called the number on the walmart Synchrony bank card for the customer service department. They submitted a complaint of a fraudulent charge. I asked them to cancel the card and issue a new number and a new card. They did so. 
A month later they denied the claim and put it back on my account. 
I called again and filed a second complaint. They did a review and sent me the paperwork that shows that sunglasses were purchased and sent to an address that is not on the account. I told them to put the people at that address in Jail and refund my money as I had Nothing to do with the charge. 
That claim was also denied. I called customer service again and they wanted me to send a letter in asking for another look at the charge. 
I refused and talked to a manager who said the previous XXXX complaints were filed incorrectly or with the wrong department. They said it had to be filed with the fraud department. I 'm not sure how I can do that as they handle the filing over the phone and assure me it is done correctly. 
I filed with the Fraud department. 
Now they have denied the third claim and put the charge back on my account. 

These people are a large bank that is doing this nonsense on purpose to stop me getting the money back or make it so difficult I stop fighting. 
I had nothing to do with this purchase and I will not pay for fraud that was committed on a card that has a " Zero Liability Guarantee ''.
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (OH)

I received my TJX ( TJ-Maxx ) on XXXX XXXX, XXXX ( via mail ). The statement shows a payment due date of XXXX XXXX, XXXX. This credit card company is not giving me sufficient time to receive and pay my credit card bill in accordance with federal regulations. In XXXX, similar events had happened and I went forward and paid the late fee without complaining. However, now looking back, I should have complained as this may be happening to other consumers. I am filing my complaint in hopes that they make corrections to their operational practices so they can be in compliance and not harm consumers with illegitimate late fees because of their operational deficiencies.