davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-13
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (KY)

I keep asking this question & it 's not getting answered. As basic as I can put it, what criteria specifically allowed my Reserve Line to stay open during XX/XX/XXXX-XX/XX/XXXX 's periodic reviews of creditworthiness compared to now? I 've the received the notice from US Bank about this decision to close my Reserve Line, but none of the reasons stated for this closure are true. Again, during XX/XX/XXXX-XX/XX/XXXX my credit score dropped to a XXXX, I had no other available credit, & I was consistently maxed out on my Reserve Line usage, & every payment I owed was over 90 days late or being charged off. In the past year my debt to income ratio has improved, my available credit has increased, & my credit score has increased over XXXX points, & all payments are on time. Suddenly my Reserve Line is deceptively closed when I 'm no longer using it, & with false reasons stated for the closure. US Bank can not clarify why this happened or explain the justification behind this decision in comparison to the decision to leave it open for the previous 5 years when I was an admittedly horrible candidate for credit. I 've read the disclosures but do not explain the inconsistency of this decision..
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (IN)

I switched homeowner insurance companies in the middle of my policy. My servicer, LoanCare, refused to cut a check to the insurance company for the amount of my new premium because they claimed it " was n't their policy to submit XXXX checks to insurance companies within 12 months. '' I spent over an hour and a half arguing with different people in different departments and was told someone would call me back. Because of LoanCare 's gross negligence, my insurance payment is now 24 days late as of XXXX/XXXX/2016.
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MA)

I spoke to chase visa amazon rewards card 4 times on XX/XX/2019 regarding a purchase I authorized and which was being declined. I was assured at least 2 times through 2 different card representatives that my card would approve the purchase and would be monitored to make sure purchase would go through. It did not. Later that date my card was declined while I was dining out. Now, all my automatic payments set up on that card are being declined. I was told that the card would remain active - why was it deactivated without my knowledge.
Consumer complaint received 2016-12-28
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NM)

Navient is calling me 5-7 times a day at all hours of the day. They have offered me repayment terms and then changed them the next day. They have called me at work after both the owner and I have told them not to call at work. I have told them to stop using at auto dealer yet the calls persist
Consumer complaint received 2015-07-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I had co-signed for my brother 's student loan at XXXX XXXX XXXX XXXX around XXXX. 

Around XXXX, I had filed for personal bankruptcy and noticed a XXXX loan was also in existence that I was a cosigner for from XXXX. I contacted XXXX XXXX ( not Navient ) to get the paperwork. Other than my name and social security number, the other information on the application/note is not mine. It has an incorrect, and out of state, phone number and I did not sign it. They use electronic signatures via email. The email address they have for this note is clearly not mine. I have contacted them several times and even wrote letters to them and the credit bureaus disputing this to no avail. They claim that even though it has an incorrect email address that 's not mine, the social security number matches and therefore it is a legitimate. I am not contesting the validity of the debt, just the validity of my attachment to it. They refuse to work with me, they refuse to acknowledge their own lack of due diligence and they refuse to even work with the payments to even make it manageable so I can avoid negative credit reporting and late payments while this is sorted out. 
I can not afford this nor can I afford an attorney for legal action against them and the school for allowing this to happen. 

I do not know my options or recourse.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (OR)

I 've been trying to get my Navient account audited, and have them show me how my account got to be as high it as it is. I got my loans down to half from around {$22000.00} down to {$11000.00}. I went back to school for a year and half, and it cost me {$35000.00} in new loans to finish up. So now, with the {$11000.00} + {$35000.00} puts me around {$46000.00} roughly. But my balance is at {$59000.00} roughly. So is it accurate that my account accrued over {$12000.00} dollars in interest alone in 1.5-2 years? Seems astronomically high to me, that 's if 2 years at $ XXXX accrued, 1.5 years at $ XXXX accrued. This is more than most monthly payments. These are higher than my monthly payments right now that they asking for. This ca n't be accurate. This is like a death sentence. Something is definitely wrong here, and seeing that there are XXXX lawsuits out by the government on this company it makes me question that validity of this company. Something fishy is going on here. Do n't know how I hit the bid on both XXXX and Navient, but they seem to up to some shady stuff. 

However, on top of all that. I 've been in contact with Navient for the last 3-4 months and they still have yet to provide me documentation on how my balance got this high. I 've asked probably 8-10 times for my account to be fully audited and check, and send me a report of how my account accrued so my interest. I 've yet to receive anything from them. It 's terrible.
Consumer complaint received 2016-09-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CL Holdings LLC (TX)

I was a victim of identity theft and noticed a collection from JEFFERSON CAPITAL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against JEFFERSON CAPITAL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (MA)

I tried on a number of occasions to get help to repay my loans and they continued to redirect me, or say there was no way because I XXXX. Most XXXX get paid less money and still serve low income XXXX. I am XXXX and have so many students loans it is overwhelming. It has made me feel like I need to leave XXXX all together.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

Experian has reinserted the following  XXXX  accounts back onto my report with any notification. This is a strict violation of the FCRA. On  XXXX   XXXX ,  XXXX  I disputed  XXXX   XXXX   XXXX   XXXX  for reporting inaccurately. Experian removed them from my credit file as of  XXXX   XXXX ,  XXXX  and the remained removed as of  XXXX   XXXX ,  XXXX . I was reviewing my credit today  XXXX   XXXX ,  XXXX  and noticed they had been placed back on my credit this month. I have never received any notification from them about the reinsertion. I need them removed immediately or face legal action ... I 'm including all reports from  XXXX   XXXX  -  XXXX   XXXX  as proof of the reinsertion ...
Consumer complaint received 2016-03-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX at XXXX XXXX I made a cash deposit of {$1000.00}, all in {$100.00} bills at a Chase ATM. The ATM then ate the cash, all of which was new and did not have staples or any metal pieces to interfere with the transaction. 

The machine then printed a receipt that confirms a deposit was made, but not the amount, that the machine " has experienced a technical error '' and that I should call Chase customer claims. I did that immediately, explained the situation, and was credited {$1000.00} while they " investigated my claim. '' Two weeks later on the XXXX, Chase sent me an email saying the investigation was complete and that the XXXX credit would be removed, and that was the last of the matter. 

I have called the claims department, branch manager, supervisors, and all have told me that 1. the footage of my transaction has not been reviewed 2. the cameras in the bank are pointed at my face, not at the money, so there is no way to review the cash I physically deposited. 

I asked XXXX supervisor why, if Chase ATMs can just swallow a client 's money and there 's no way to prove it on camera what happened, why should anyone use Chase ATMs? She told me " I do n't use the ATMs, they can break. '' I can not believe that a major organization like Chase would be so unable to confirm a deposit made at an ATM inside XXXX of it 's branches, in the middle of XXXX.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (FL)

I SHORT SALE MY HOUSE IN XXXX OF 2010, WITH CHASE MORGAN XXXX.YET THEY ARE STILL REPORTING ON MY CREDIT REPORT XXXX OPEN LOANS WITH INTREST REOCURRING EVERY MONTH AND THEY SAIDTHE LOAN HAS BEEN CLOSED ON THERE END BUT THE CREDIT REPORTING COMPANIES CONTINUES TO REPORT IT. HELP ME PLEASE
Consumer complaint received 2018-05-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

Loan servicer - Navient My loan will go into repayment on XX/XX/XXXX. I have been trying for the past two months ( starting in XX/XX/XXXX ) to get information about setting up Autopay. The four times I have called at different time points in the past two months has yielded different information each time. No one in customer service was able to tell me when I could start setting up Autopay, the timeline given for processing autopay was incorrect. I was also having difficulty setting up autopay as I kept getting kicked out of the website altogether. The customer service representative was unable to direct me to the correct person and I was told twice ( 3 weeks apart ) that I should just try once my deferment was over even though it was a technical issue. 

My Autopay is still in process and it is still not clear exactly what the rules are on being able to set it up. The burden on making sure the issues ( technical ) is on the customer.

The paper format to setup Autopay can take up to 60 days which would mean the customer would miss out on the discount at the beginning through no fault of their own. This is unacceptable!
Consumer complaint received 2016-02-28
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Westlake Services, LLC (PA)

I bought a XXXX/Hyundai Elantra Limited Edition for {$15000.00} on XXXX XXXX, 2015. However, at the time it was listed for {$12000.00} at XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. 
They said the reason they charged extra {$3000.00} for it because I have poor credits, possession fee, etc.. and the car is a limited Edition. I later on found out that the car is not a Limited Edition. I do n't see the possession fee listed on my receipt either I feel I got cheated/scammed. The car also has some periodic rattling issues after the warranty expired which is a month ( the warranty coverage was good for only one month! ). I wanted to switch the car for a better one but the dealer said in order to do that I must improve my credit score in six months. 
After 2 months passed by, they later told me that I could only trade-in the car instead of switch for the same value. They only gave me XXXX set of car key ( suppose XXXX sets ) and they did not send me the registration sticker until I complain about it ( the temporary one was about to expired ).
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (IA)

I received my credit card statement in XXXX and paid the amount in full, including interest charged. When I received my XXXX statement I was being charged a " residual interest '' amount of {$5.00}. Nothing else is due, only {$5.00}. I reached out to Chase about this and they were the one 's that informed me about the " residual interest '' is from XXXX not being paid in full, even though I paid in full my XXXX statement. I do n't know if what they are doing is right or legal. I am submitting payment because I do n't have Chase to ruin my credit.
Consumer complaint received 2015-09-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I have had nothing but trouble with the XXXX XXXX XXXX, coit office for dealing with my mother 's accounts and my power of attorney for her. 
MY mother is XXXX and living in assisted living with XXXX. 
MY latest complaint about this branch and especially XXXX XXXX, Asst Mgr has to do with the following. issue. 
As background, this branch has adamantly refused to assist me with basic simple issues regarding my mother 's account. I had to fly to Washington State where another Chase branch approved putting me on the Charge Card as POA, and putting me on as a co-owner of the checking and savings accounts. All I have been trying to do is put my mother 's approx XXXX pts into about $ XXXX cash and put it in her checking account. I was told by XXXX XXXX that his branch could not help me. Do I have to fly to Wash St to get this accomplished? If the XXXX XXXX XXXX does n't want my or my mother 's business and I 'll take it next door to Chase. 
How can my sister put moneys into my mother 's account if she is not on the checking or savings account. I have POA, previously approved and the Bank has multiple copies of it authorizing me full access to my mother 's finances and now, this branch, specifically XXXX XXXX again refuses to assist me.
Consumer complaint received 2016-08-15
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NJ)

I received XXXX 's from CHASE BANK in 2013. XXXX XXXX was marked and on the form meaning no collection efforts will be made. This was further communicated when I spoke to a manager at CHASE credit department. CHASE BANK continues to report cancelled debt balances on my credit report. Although the XXXX state that no collection efforts will be made I have received letters from CHASE saying that I still have balances on the accounts. How can I have balances on cancelled debt that I included in my taxes in 2013? Ive disputed this issue with all credit bureaus and CHASE BANK. The incorrect status and balance of the accounts are still listed. The balances cant be both cancelled and owed? I have become very frustrated with CHASE BANK and feel that this is just a tactic to hurt consumers financially. I have had to pay higher interest rates and have been denied credit based solely on the CHASE BANK accounts listed on my credit report. CHASE BANK received the tax benefit by issuing the XXXX but continues to report the balances to the bureaus. There have been court cases that have ruled in the favor of the consumer on this issue but Ive found no real laws dealing with XXXX and proper credit reporting. Consumers are really being XXXX by CHASE BANK 's reporting of XXXX balances. I believe they are the only bank that does this. I will continue to dispute this issue as I feel the reporting is an illegal representation of the accounts. I wanted to do this complaint to help other people who are in the same situation. Hopefully something can be done about this as these practices of CHASE BANK reporting zombie debt must be ended. CHASE continues to ignore my disputes. They continue to post false information on my credit file.
Consumer complaint received 2017-01-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (MN)

I have a TCF bank account and with it I chose the option to have them cover any transactions that may put me into a negative balance and charge me an overdraft fee ( OPT-IN ). At the end of XX/XX/XXXX I used my XXXX that is attached to my checking account. The transaction went through at the store but days later was rejected for insufficient funds. I was charged an overdraft fee and a returned check fee. When I called XXXX times and asked why these were returned ( because I do have the OPT IN coverage ), they told me that XXXX does n't say they will cover all transactions. I asked what is the criteria for not covering and no one could tell me. The solution they came up with was to open a savings account and they could pull $ out of there to cover the insufficient funds in the checking account.
Consumer complaint received 2015-09-02
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: Ladera Lending, Inc (CA)

I applied for a loan about XXXX days ago with Ladera Lending and I have been given the runaround about trying to get it processed. I am told that it 's still in underwriting and we are still waiting for a response. I have been waiting for underwriting for about 2 months now and it 's long overdue. They kept promising dates of estimated closing times which never happened and I feel like they are just wasting my time or playing games with me as a consumer. They state that it has been reassigned to another underwriting and that management has gotten involved but nothing is happening.
Consumer complaint received 2015-07-17
Product: Consumer Loan — Pawn loan
Issue: Applied for loan/did not receive money — 
Company: KEYCORP (NY)

In XX/XX/XXXX, I applied for a home equity loan with key Bank for the amount of XXXX. I built the home in XX/XX/XXXX and with the use of my personal credit cards I bought items needed to finish the home. I applied for the equity loan with the option of paying off the balances of all credit card debt. Off. Key Bank was paying the credit card debt directly form the loan. The home was appraised at XXXX I have a XXXX dollar montage on the home. This low mortgage and the value of the home gives me the equity needed to pay off the credit cards, finish decks, sidewalks etc. I have NO debt other than my mortgage / which is XXXX a month. Taxes are XXXX per year, land and school. My income is XXXX per year. without credit card debt, i have the necessary income to live very comfortable financially. In XXXX, key Bank came back to me with an offer of XXXX. I rejected the offer as it was only paying off credit cards, not giving me enough to finish the touches around the house. My credit score at that time was XXXX. In XXXX, SOMEHOW.. A mistake was made to the credit agency XXXX. Key Bank reported that I had been late on a mortgage payment! This never happened. I called the mortgage company XXXX, told them of the situation they said, ( usalliance NEVER reported a late payment. That I have never been late ) I called XXXX they said, ( they did not receive a late report either. ) finally a Letter was Faxed to Key Bank stating that this was an Error with XXXX and was rectified..my credit score was at a XXXX standing on XX/XX/XXXX. Key Bank sends me a denial of loan based on.. 

Balances to high on all open accounts ( supposed to be paid off with loan. ON THE APPLICATION! ) Proportion of balances of loan amounts to high. 
Number of inquiries within XXXX months. ( only with Key Bank! ) Length of time since recent account open. 
How is this possible? You tell me how I was approved for XXXX in XXXX XXXX, if any of this is true. 
Then an ERROR WAS MADE ON MY CREDIT REPORT?! 
I am XXXX years young and BELIEVE that this is a clear judgement of AGE discrimination! I will wait for your response before consulting my attorneys. 
XXXX
Consumer complaint received 2017-02-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: KEYCORP (CT)

Here is my issue : My automobile loan was with First Niagara. I never had any issues. The service was great! First Niagara was then bought out by KeyBank. Since KeyBank has taken over my auto loan, I have had nothing but issues. 

Through my bank 's Bill Pay ( XXXX ) I have set up to make my monthly payments to KeyBank. For each of the last three or four months, KeyBank refuses to accept my payment. I then am forced to call KeyBank and when I try to explain my issue, I get hung up on. I have to call back one or two more times to get someone that will not hang up on me. I am then forced to make a payment over the phone, in which KeyBank charges convenience fees for. 

Each time I call, I then find out that there are late fees on my account. Mind you, each month I call and explain the issue, I am told that the fees will be waived. Last month when I called, KeyBank told me the issue was that I had the wrong address for their company. This is the same PO Box that KeyBank had given to me. So I changed the PO Box to what their service representative told me the address should be. I look yesterday at my bank account and see that the payment has been returned again this month. 

I am tired of the games with KeyBank. I am the XXXX and I pay my bills religiously. Please help me. I am also apparently not the only one that is having issues with KeyBank : XXXX I would love to discuss this with you.
Consumer complaint received 2015-05-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (UT)

I signed up for a keybank easy checking account for a {$250.00} promotion. The promotion details indicated use direct deposit for {$500.00} or more within XXXX days to get the {$250.00}. I called once I had completed the required {$500.00} and was told yes i have met my qualification and would get the {$250.00} within the next few months. 
I emailed yesterday inquiring about how long it is taking to get my {$250.00} to ensure it is still on its way and was told I did n't meet the promo criteria because it is a single direct deposit for {$500.00}, not direct deposits combined to equal {$500.00}. I called to advise this is deceptive and has now caused harm in my inability to do a single deposit for {$500.00} to meet the qualification as the window of time has past. The representative told me that I did qualify when I spoke with her today, but when i pushed for clarification she did confirm it needed to be XXXX transaction of {$500.00} or more. XXXX I have called and been told yes i qualify, but finding today I actually do not. This is deceptive and unfair as now I am not able to fulfill the terms, due to misinformation provided by key bank.