davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-18
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (FL)

I have big problem with Chase credit card.I went in under Debt Relief program to get out of debts.All credit card companies did right for me, except Chase. Chase closed my account XXXX/XXXX/2012 and discharged my debt of {$2600.00}. They sent me form XXXX so I can file taxes for that amount what I did. I though this problem is solved but I find out through Credit reports that it is not! Chase has been keeping reporting to agencies that my debt is charged-off with a current balance of {$3200.00} still owed to Chase!!! They even increased the amount and they claim I still owe them the whole amount of {$3200.00}. I filed few requests with Credit Report Agencies for investigations, but nothing ever changed at my Credit reports, ( XXXX and XXXX ), it changed in XXXX report that I owe them {$0.00}. 
I even called Chase to resolve this problem, but they keep claiming I owe them {$3200.00} even when I confront them with the form XXXX they sent me, and that I claimed taxes for them to the IRS and that they claimed that as a loss to the IRS, so they should report Credit Report Agencies they have to report that account is charged-off and balance is {$0.00}. Chase kept ignoring it and they still keep claiming I owe them {$3200.00} and they want me to pay it off!
Consumer complaint received 2016-07-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

I am a medical resident and I have a number of federal loans being serviced by MyFedLoans.org. By law, I am able to defer my loan payments until I am done with residency. In order to do this, I have to fill out a form showing that I am in a residency program and send it to MyFedLoan. I am doing this, but MyFedLoan is systematically making it difficult for people like me to submit these deferment or forbearance forms. At first, they only provided a fax number - and would then tell me they didnt get my fax after I sent the form. Then, they provided a file upload page on their website, but the forbearance form upload section doesnt work, it just times out. Now, I am trying to use an email, but I have had mixed success with this in the past. MyFedLoan is trying to collect more fees from people like me by saying they did not receive our forms and that our payments are late, and then they charge us higher interest and fees. Can you please investigate this? 

Note : if you go on MyFedLoan 's website right now and try to upload a consolidation form, it uploads in a matter of seconds. If you try to upload a deferment or forbearance form, it times out after 5 minutes.
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (WI)

I returned to school for a semester after graduation and first, my in school deferement was not processed until XX/XX/XXXX, despite a XX/XX/XXXX start date. ( This, in and of itself, could be a complaint ) Because I was still receiving bills, I made the payments in order to avoid complications and disputes later down the line, especially after reading about how little help people have gotten even when they did make payments on time. 
Then I received a letter in the mail saying my loans were deferred from XX/XX/XXXX until XX/XX/XXXX. On my account, however, there was interest showing up on the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments, and they ranged from {$9.00} to {$27.00}, depending on the month. Because I have since moved abroad and it 's taken me a while to noticed this discrepancy, I could not call and instead emailed them. I got two seperate emails that were automated and directed me to their FAQs page. I was asking specifically about a specific case that had to do with my account, and was instead given an automated reply, twice. 
Because I finished my courses in XX/XX/XXXX ( it was XXXX, so the seminar went slightly into the second semester of XXXX school year ), I figured I would need to begin repayment on my loans again. Receiving no bills made me nervous, but everything on my account said my loans were deferred until XX/XX/XXXX. Knowing this should n't be the case, I simply paid the exact monthly amount on XX/XX/XXXX. When it processed, it suddenly was showing up as only a portion of my principal paid off, with a huge chunk going towards the interest. When I logged into my account on XX/XX/XXXX, my loans were no longer in deferment, no notice made. There was a complicated calculation on XX/XX/XXXX that I will assume was from the date they decided my loans were n't in deferment anymore. Still no bill for the XX/XX/XXXX payment that I was charged interest for. Because I only have subsidized loans, and they were still in deferment when I made the payment, there should be no interest accrued, and therefore none of the money paid should be going towards interest ( since there was none on that date ). I emailed them again, this time making it explicitly clear that I need a human being to personally respond, even if only to tell me that these things can not be processed over email. This time, I received a " we are processing your email '' automated email, but still no follow up, automated or otherwise. At the moment, I have well over {$100.00} tied up in " paid off interest '' that should be going towards my principal, because there should n't have been any interest accrued during the time I was making those payments while in deferment. Customer service is actively not reachable via any means other than phone, despite there supposedly being email as an option.
Consumer complaint received 2015-06-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (CA)

In XXXX XXXX, 2007 I filed bankruptcy and included XXXX mortgages with Sun Trust. But Sun Trust continues saying i 'm over XXXX days late on this mortgage for almost XXXX years. I am in the process of trying to get a new mortgage now and can not until this clears up. I have written them and spoken to them about removing this from my credit. they are illegally reporting this.
Consumer complaint received 2016-04-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

SunTrust Mortgage held the mortgage on my home until XXXX XXXX. An escrow account was established at closing to pay taxes and insurance. SunTrust made a partial payment on the insurance in XX/XX/XXXX, even though there were funds in the account to cover all charges. The insurance was canceled due to lack of full payment. SunTrust then sold the loan to XXXX XXXX XX/XX/XXXX due to lack of insurance. I made several calls and wrote letters to them there was never no written response. .An attorney contact them in XX/XX/XXXX on my behalf still no response.I spoke with them however, they stated they have no information on my file since it was sold. The lender placed insurance cost is $ XXXX yearly and only covers the structure. I have a 30 year fixed mortgage however the escrow has increased to over {$500.00} per month .We could loose our home due to their error. My payments have gone from {$1900.00} to $ XXXX.Desired resolution I want SunTrust to compensate me for the harm they have caused my family, I would like to be included in a class action suite against them since I got my loan XX/XX/XXXX and the interest rate is 5.8 %. My husband and I are XXXX and both had scores above XXXX when the loan was secured. I can be reached at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX owner.
Consumer complaint received 2016-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (GA)

I am a XXXX and have been XXXX for 9 years. I currently have my student loans serviced by FedLoan Servicing under the PSLF program and have been paying my student loans since XX/XX/XXXX. FedLoan Servicing refuses to consider 2 payments eligible as qualifying payments because, according to them, " your payments were less than what you were required to pay. '' This has been an ongoing dispute since XXXX XXXX, one month after my loans were initially transferred to FedLoan Servicing. According to the due dates on both billing statements ( {$150.00} due by XXXX/XXXX/XXXX and {$330.00} due by XXXX/XXXX/XXXX ) each payment was, in fact, paid on time and for the amount due. Although I have provided FedLoan Servicing with the billing statements, they continue to tell me that they will not consider the 2 payments as " qualified payments '' towards the PSLF program because the payment amounts received were less than the amounts due. However, according to the billing statements I have attached and provided to you, both payments were received in full prior to the due dates. Even having offered to provide them with the billing statements I was given, they will still not consider both payments eligible towards the PSLF program.
Consumer complaint received 2016-08-16
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AES/PHEAA (GA)

The initial compliant number was XXXX Pennsylvania HIGHER EDUCATION ASSISTANCE AGENCY in XXXX, PA are still attempting to collect a purported debt that is not owed at all. They stated that they are not going to do anything else and here is proof that they are XXXX LIARS. XXXX XXXX, has been satisfied with the payments that have been provided and XXXX, is not collecting so why am I being harassed Pursuant to section 806, 15USC1692d ( 1 ), and ( 2 ) by A XXXX SET OF DEBT COLLECTORS, I am nervous and upset by them attempting to GARNISH the little money that I make and I have been working with the XXXX XXXX XXXX XXXX teaching school for the past 15 years and this CORPORATION is trying to garnish my pay. I really need to be compensated for their disregard for the CEASE AND DESIST ORDER. I am filing another complaint so they will know please do not attempt to contact me again. I will also file a Court case against them if they call me a borrower one more time. I also need them to send me a check in the amount of {$10000.00} for harassment. These people XXXX do not want to work and want me to become a slave for them. I am already dealing with enough. I do not want to see anything but a check in the mail. These XXXX better obtain a job like I have and they have the nerve to want me to send my information to them concerning my banking and investment assets really. These people need to send me money for even asking about my private information. XXXX CEASE AND DESIST, CEASE AND DESIST CEASE AND DESIST. The rest of the DEBT COLLECTORS have been satisfied and here you come trying to get my signature so you can obtain money there is none so why are you trying to steal from me. STOP STOP STOP. I have the full faith and Credit of the United States and this DEBT COLLECTOR is in Commerce not I a Natural Person who has power to obtain anything for family, personal, and household use. The CROOKS ARE IN COMMERCE. ESPECIALLY XXXX XXXX XXXX XXXX I KNOW NOTHING ABOUT THESE CROOKS.
Consumer complaint received 2015-07-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (MO)

I attended XXXX XXXX XXXX from XX/XX/XXXX until I XXXX in XX/XX/XXXX. Since then I have had major debt and am behind on my payments. I have consolidated my federal loans, but the private loan I had through XXXX I can not do. I was in the rears with them and finally paid that since it got to my credit and am now behind again with no help. I have been attempting to pay off my student debt for XXXX years now and it feels like I have not made a dent in the {$65000.00} I owe. I have not found a job in my degree field I went into and no one wants to hire an XXXX graduate. Every quarter we had to sign financial papers, even as my parents and I looked over them, it seemed like a good fit not to many questions were needed. After I XXXX I was hit with a massive amount of debt that has been hard to get out of. The school its self is not attempting to help like they said they could and the job placement that they highly encouraged never panned out.
Consumer complaint received 2016-04-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

I have been making payments on a private loan serviced by PHEA ( AES ) and I have been making them faithfully without a missed month in years. However I have been paying MORE on interest than anything, AES is gouging it 's borrowers and I 'm not able to negotiate through PHEA or XXXX who owns XXXX of my loans. This is ridiculous.
Consumer complaint received 2016-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (CT)

The automated system is corrupt and customer service wo n't help. Each person with AES that I talk to has a different story. I checked my credit report and clearly they 're ruining my credit while assuring me that everything is fine and dandy. I honestly just wish AES staff would do what they say, hours on the phone and still no where with these people. How can they even be allowed to lend? I XXXX this is a nightmare, I do n't have these problems with my other loans, not one problem. I just paid one off in full, I never had to contact them! Seriously, what 's going on AES? I 'm ready to start writing congress and contacting the media.
Consumer complaint received 2016-12-03
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO. (MN)

I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal XXXX credit report. The mail comes back " not deliverable as addressed- unable to forward. '' I also called the number provided, XXXX. It is for the XXXX. They must get a lot of calls for Chase Card as the first thing you hear on the XXXX outgoing message is something like " thanks for calling the XXXX. If you 're calling Chase, they published the wrong number and have n't fixed it! '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance!
Consumer complaint received 2017-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Nelnet, Inc. (IN)

I have XXXX FFEL Stafford Subsidized Loans in default. Both loans were for {$5500.00} and I owe {$3200.00} on one ( {$88.00} outstanding interest ) and {$3200.00} on the other ( {$100.00} outstanding interest ). I could only find out this information on the federal student loan website. Navient apparently owned both loans at some point, but they show XXXX loan as transferred and XXXX loan as paid by USA Funds. On the federal site, one shows that XXXX has it, but when I login, there is no information and no payment due. The other shows that it 's all still with Navient, but Navient 's website shows it 's not. I moved in 2011 during an economic hardship forbearance, and I never got any more information on repayment. Since then, I 've been trying to track them down, and I STILL ca n't figure out how to repay everything. I need some sort of straightforward information, and when I contacted Navient their response was a form letter telling me options on how to repay loans, but no specific information as to WHO and HOW I repay loans that they show as not being at Navient, even though the federal website says XXXX is at Navient.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (DC)

I have had a mortgage loan with JPMorgan Chase since 2008. Over the past two years, " XXXX XXXX XXXX Chase '' has sent me monthly XXXX packages with offers to refinance my loan. Over the past year, I called Chase twice and emailed Chase once to ask them to stop sending me offers. During my last call, they said they would stop. However, I continue to receive monthly UPS packages. Their lack of response has completely turned me off to Chase and led me to report this behavior to you.
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

I had an unauthorized withdrawal from my checking account. It has been 27 days and I have not received any of my money back. I was told i would get money back within 24 hours from day 1. I have called the bank on at least 6 occasions and they give me different reasons why my money is not in my account yet.
Consumer complaint received 2016-05-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (AR)

I am working with Chase mortgage to short sale my home. I owe more than it is worth since the area it is located in had lost a lot of value. The home is located at XXXX XXXX XXXX, XXXX, XXXX XXXX. I had to relocate to XXXX for my job in 2012. We were unable to sell our home at that time as we would have lost too much money to be able to sell it, so we rented it out. It has been a burden to maintain and keep renting for us from so far away and we are attempting to short sale the home. Chase initially evaluated our application for a short sale and denied us but did not take into consideration all the expenses that we have going out on a monthly basis. I am self employed and as such I keep back money in my business account to pay taxes on my income yearly. when Chase looked at the business income and account, and then looked at the bills we have solely listed on our credit report, they felt that we had more than enough income to cover the sale of the home and the loss of money. The fact is that we do not. Since the initial evaluation, the money in my business account has now paid my taxes and expenses, and is significantly depleted. They did not take into consideration the expense of taking care of my family day to day. I have my wife and we have XXXX children. Even though I submitted all my expenses, I was told by a loan representative that they only looked at income, bank balances, and credit report. They did not take into consideration any other expenses. So I guess in their mind, as long as you can pay them and nothing else, then you should be able to afford it, never mind the day to day expenses of raising a family of XXXX. Now we are 4 months behind in our mortgages on that house as we do n't have a renter and we can not afford to pay on the house we live in here in XXXX and the house in XXXX.
Consumer complaint received 2015-12-15
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (MD)

I booked an overseas trip online for me & my wife on XX/XX/XXXX with XXXX XXXX. I requested Business Class upgrade ( from economy plus ) for the return trip. We were put in a non-guaranteed waiting list for the upgrade request. I did not expect XXXX XXXX to charge my XXXX XXXX XXXX XXXX credit card the upgrade cost ( {$1200.00} ) since the upgrade was not guaranteed and the return flight is not until XX/XX/XXXX. However, they did charge my credit card for this amount on XX/XX/XXXX - more than 2 months in advance. I called XXXX XXXX to complain about the charge but was informed it 's company policy to charge customers ( in advance ) for non-guaranteed upgrade requests. And they further stated that if I did not get the upgrade, they will refund me the funds. I believe this policy of XXXX XXXX is quite unfair to customers. They take your money for over 2 months without guarantee for the upgrade - meantime, the customer will have to pay the credit card finance charge if the said amount is not paid in full. I therefore request your agency put pressure on XXXX XXXX to stop this unfair policy. Thank you for your immediate response and assistance on this matter.
Consumer complaint received 2016-11-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: North Shore Agency, LLC (DE)

Keep getting collection letters for NY XXXX magazine I never ever had or subscribed to.. by collector called XXXX XXXX XXXX XXXX " NORTH SHORE AGENCY '' - XXXX. When you call there is no answer, just " click here to pay '' ..
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (NJ)

In numerous previous complaints from earlier this year, I asked that clean, corrected copies of my credit report from Experian be mailed to me. This is the only way for me to verify what the latest invented garbage is that they so habitually insert into my credit file. I challenged numerous items yet I have not received a corrected copy of my credit report. 

It is preposterous that consumers can receive only XXXX copy of their reports a year. This means that the largely illegal activity of Experian can not be detected, unless consumers are willing to pay this criminal agency to reveal only their latest activity which does nothing to curb their habitual and wanton violations of fair credit reporting laws. Consumers should be allowed to receive free copies of their credit reports at least XXXX a month, given the enormous amount of unverified information that appears in credit reports and Experian 's ready trafficking in it, by collecting fees from all kinds of bottom-feeding and any other agency it can get money from. 

( See numerous complaints against Experian from earlier this year, as well as last. )