davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I have been paying my loans on time for years and the balance never goes down. XXXX XXXX Navient does not provide enough information for me to understand how they are continuing to XXXX me. I signed up for these loans as a kid so I understand I signed a contract for the load fees/ origination fees, variable interest rates etc. 
However, the information provided does not show the loan balance. It simply shows what has been applied to interest and what was applied to principal. The thing is in my budget I write down my last balance for each loan and even though the loans are in repayment they continue to increase in the amount owed. 
I have also noticed " Repayment Fees '' this is ridiculous considering how all of my loans have doubled in value and my monthly payments do nothing ( I understand amortization, but for the loan balance to continue increasing while in repayment is inexplicable. ) I called to speak to someone about the fees and they assured me the account would be credited ... it was not. The people who work at the call center barely speak English, never mind understanding my concern with the loan balance continuing to rise while in repayment. This company needs to provide a running balance to show how each payment has effected the total of the loan. Otherwise, they are continuing to rob us blind more so than they can legally. 

I have attached a screen shot of the information Navient provides to its customers. As you can see I have paid interest and principal payments, however somehow the balance I owe has increased ... .. They are playing games and this is most likely illegal. They need to show how each payment effects the balance and if more interest is charge in a month ( because of the variable rate I am sure ) they need to show that as well. These loans will never be paid at this rate and my total SL per month = {$1600.00}, how am I supposed to live with this payment especially if the balances only increase over time.
Consumer complaint received 2015-04-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CO)

My social security is paid directly into my checking account at Chase on the XXXX Wednesday of every month. My balance is normally very low in the 5 to 10 or so days prior to that deposit. I acccordingly have to regularly monitor transactions into and out of the account to ensure that I do not go into an overdraft position and thereby incur overdraft charges ( {$34.00} per ). 

Today I went to XXXX to ensure that, under a menu item called Chase Debit Card Coverage, I had chosen the " no-do-not-pay-debit-card-transactions-when-there-is-not-enough-money-in-my-account '' option. 

Here, without the graphics, is what appears on the screen when XXXX is attempting to select that option : ****************REQUIRED Chase Debit Card Coverage InformationPlease click and read the Important Information including legal disclosures and consider printing a copy for your records. 
Have you read the Important Information including legal disclosures about Chase Debit Card Coverage service? 

Yes, I have. 

No, I have not. 

Select " Yes '' if you want Chase to approve and pay your everyday debit card transactions, at our discretion, when you do n't have enough money available. You 'll have until the end of the business day to deposit enough money to avoid an Insufficient Funds Fee on these transactions. 

Select " No '' if you do not want Chase to approve and pay your everyday debit card transactions when you do n't have enough money in your account. Since everyday debit card transactions will be declined when there is not enough money available, you wo n't be charged an Insufficient Funds Fee for everyday debit card transactions. If you do n't choose an option when you open your account, " No '' is automatically selected for you. 

***************Note that the term " everday debit card transactions '' is not defined anywhere - not even in the " Important Information including legal disclosures '' that, in order to proceed, XXXX must confirm having read. [ But note also that XXXX can click the 'yes ' button, and proceed, without having taken even a glimpse of said fine print. ] Fortunately, I called my local Chase branch to get clarification - only to find that the term 'everyday debit card transactions ' does not include RECURRING debit card transactions. 

It 's conceivable that Chase 's other account holders are sufficiently cunning and sophisticated to be aware of what I had to ferret out myself, but I 'd wager that this is n't the case.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

Navient cheated me out my rights to lower repayment, did not informed me of other programs that would better fit my income. Navient has damage my credit by reporting incorrect information, as a struggling borrower I was mislead into forbearance would be the same as income driven repayment plan. Very poor service, and has cause a great big hardship on me and my family.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NJ)

while looking at my credit report today XXXX XXXX, 2015 via experience I noticed a credit card opened on XXXX 2015 for chase Bank, with a total amount used of {$450.00}. I did not apply for a chase credit. 

Please let me know the next step via email : XXXXXXXXXXXX or cell XXXX
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TN)

I 'm making this complaint against Navient, who is currently my student loan provider, which once was XXXX XXXX. I want to start off by saying that I graduated from Virginia XXXX College in XXXX, and when I graduated, I owed almost {$49000.00} for my loans. It is now XXXX, and I still owe almost {$43000.00}. So I only paid off {$6000.00} in 12 years. That just does n't add up. Moreover, when I 've looked at my statements, they do n't make enough sense to understand how my payments are being applied. They just kept increasing my payments every year. It went from {$220.00} per month for a little while, then just kept gradually going up to {$260.00}, then {$270.00}, and then to over {$330.00}. Furthermore, I changed jobs in XXXX, and I could n't afford the monthly payment they had me on, so they pushed me into deferment for my loans. I did n't pay on my loans for several months, and then they finally offered me income based repayment. So it lowered my payment to {$98.00} per month, which was all I could afford at the time. So they had me on that for a year, and then when I reapplied for it in XXXX, my payment went from {$98.00} to {$220.00}, which made absolutely no sense because it was still supposed to be income based repayment. I knew my payment would go up a little because I got a raise, but my income had not increased enough to justify making my payment over {$200.00} a month. So once again, they offered to put off my payments, but this time they pushed me into doing forbearance. So I had it in forbearance for over six months, now I 'm currently back to paying {$220.00} per month, which I can barely afford. I 'm barely making ends meet, and they refuse to work with me at all. They refuse to lower it anymore. The only thing they ever offer is forbearance or deferment.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

Navient is my Federal Consolidated Student Loan servicing agent. My loan was transfered to them by XXXX. I can not get a complete account history from them, they increased my monthly payment, yet I am receiving {$10.00} less off my principle every other month ... I work as a XXXX at a XXXX and I am located off campus at the XXXX. I have been paying for approx. 10 years. I have paid nearly {$48000.00}, yet have only received approx. {$9000.00} toward my principle on a {$79000.00} debt. Something is wrong ... and I can not get them to fix it. My original loan servicing agent was XXXX XXXX ( and we all know what they have done. ) They transfered the loan to XXXX ( once again not the top performer ) And, it ended up with Navient ... Even the Department of Education can not tell me or provide me with a complete account history ... showing my initial interest rate at 2 % nor what my current interest is at. 
Thank you for helping ... I really appreciate your efforts in taking on this large of a challenge! 
XXXX XXXX
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (FL)

I have a current credit rating of XXXX. Chase is charging 27.74 % interest on the unpaid balance on my credit card and they claim that they are unable to lower my rate. They admit that I have had the account since XXXX and that I have n't had a late payment since XXXX.
Consumer complaint received 2022-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

according to apple/gsbank apple card does not have a limit which is absolutely false these guys are reporting false statements on my credit report.. also these guys have violated my rights time and time again according to 15 USC 1681 my right to privacy by reporting incorrect statements!! apple does not have the right to furnish my account without my written consent which is a direct violation of the privacy act in truth in lending in truth!!
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

The mortgage holder, JP Morgan Chase Bank, on my condominium requested that I provide evidence of flood insurance on my unit. I have provided flood policy numbers, insurance company names, coverage period and insurance coverage amounts to JP Morgan Chase Insurance Processing Center through on-line entry, telephone calls and letters with this information. Yet, I continue to get letters indicating I do not have adequate flood insurance along with an offer from JP Morgan Chase to purchase flood insurance for my unit. The coverage amount offered by JP Morgan Chase is exactly the same amount of coverage that currently is in force on my unit through existing flood insurance policies.
Consumer complaint received 2017-10-11
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. (WI)

I contacted Equifax on XX/XX/XXXX regarding multiple inquiries on my see it report that I have no knowledge of authorizing. Prior to calling Equifax, I attempted to call all businesses listed in the inquires with no information available on inquiries or accounts. I asked Equifax to start an investigation on the inquiries I did not authorize, and to delete them from my credit report, due to them being fraudulent inquiries. Equifax denied helping me with this process and said they can not do that. 

Inquiries : XXXX XXXX-XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX/XXXX:XX/XX/XXXX XXXX.XXXX.XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX XXXX XXXX:XX/XX/XXXX
Consumer complaint received 2017-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (MO)

I have Nelnet as my loan service provider. I was " assigned '' to them and had no say in the choosing of the company that would handle my XXXX loans. Others in my XXXX school class, who were " assigned to '' XXXX are able to get a 0.25 % reduction in interest by enrolling in autopay while in school and while in deferment ( Which is advertised on their website, confirmed by students in my class who have done it, and confirmed verbally by XXXX representative ). Nelnet tells me I can not enroll in autopay until 180 days of when my first payment is due. Nelnet says it is what federal regulations outline and even had the guts to tell me that NO OTHER loan service company offers this because they are all governed by the same federal regulation. Students in my class with XXXX are able to enjoy a 0.25 % reduction for 4 years on a XXXX loan while I am stuck with no option. This is easily and XXXX difference initially over the 4 years of school and after running numbers is a XXXX difference over 30 years of repayment! 
I have also contacted Nelnet requesting an estimated monthly payment for a XXXX 's loan to buy a house after XXXX ( 3 months away ). Nelnet says there is no written document they can provide because it is " future speculation ''. All my loan amounts are finalized and it is only simple interest left to accumulate. I have a XXXX ; XXXX loan that is in Jeopardy of not going through because they can not provide me with a written ESTIMATE! They kept referring me to the calculator on student loans.gov to print out for my lender but the lender needs a document directly from my loan service company. They wrote me one document but all it had was a standard table showing repayment for a XXXX loan, when mine is XXXX ... Yeah, you can guess the lender was n't able to use that. Again, I thought this was sketchy, so I called XXXX and they said they could easily draft a XXXX document showing a table for monthly payment amounts for the different loan repayment options based on the loan amount. I do n't get why things so easy for XXXX is NOT POSSIBLE with Nelnet. They keep referring to federal regulations that make it not possible but when XXXX is contacted they are able to do it. I feel I am stuck with a company that is providing me with no service other than keeping a tally of my loan amount and interest. They are providing no other service! 

I would like, if possible to have my loans switched from Nelnet to XXXX because XXXX is able to provide me with both thing I am requesting and Nelnet acts like they have never heard of such requests from students in similar situations. As a student with such substantial loan amounts I feel it is unfair and unnethical to have options available to some students and not to others while it is all left to chance to what company you are STUCK with. Both companies are held to the same federal regulations but the student 's and their loans are treated very differently.
Consumer complaint received 2016-05-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (NJ)

after several conversations and their inability to assist me get back on track, they continue to call about credit card debt owed ; calling on sundays and holidays, multiple times per day ; after I have asked them not to call since I can not pay and they can not help. they have violated the FDCPA and I have filed complaints with CFPB and FTC
Consumer complaint received 2016-08-18
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Although this complaint is related to a previous CFPB complaint, new issues have been raised, and due to the class action level of abuse that collection on this alleged debt represents, I feel that a separate complaint is warranted for the public benefit. This account was disputed from the start, as fraudulent. Chase sold a fraudulent debt to a debt collector, who obtained a judgement without even validating the alleged debt. I have no documentation that proves that I even incurred the debt using an account that I had closed, and was no longer using. At the time, we were in the midst of a refinance, and I panicked and agreed to a payment plan, paying at least three times the original alleged amount owed, because Chase took the past due amount from an amount variously reported as {$350.00} or {$520.00} or {$600.00} ( yes, really ), to their charge-off amount of {$1700.00}. Interestingly, now that I have the time to investigate, I 've discovered that I am not alone in being victimized by these violations of debt collection practice by Chase ... XXXX : XXXX
Consumer complaint received 2016-10-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: JPMORGAN CHASE & CO. (NY)

I received several calls from a company name legal support services, I then Received a voice mail stating that I needed to be home to sign for a legal letter, a phone number was left from the phone number XXXX to call XXXX if I needed to reschedule the delivery of these documents. Curious to what these documents were, I called the XXXX number. Someone named XXXX answered the phone, and said she worked for the legal support services for Chase. She informed me that the documents being sent were a notice of legal action taken against me by Chase for a credit card from 2004 that I had no memory of. I told her that I would not be home to accept these documents. She then informed me that if I am not home at the time of delivery, they would send someone to my job to deliver these documents about a court case that is now pending against me. She then said that they were also going to take garnishments from my wages. Still unclear of this credit card she is referring to, I began to ask questions in which she responded that she is not obligated to disclose this info. She could only tell me that I was going to have to pay the credit balance of XXXX XXXX and something dollars, in addition to court and legal fees. She then placed me on hold, came back to the phone and said Chase was willing to settle this credit card debt for the amount of {$990.00} if I can agree to pay it in full. If I agreed to pay the {$990.00}, the legal documents that I had to sign for would not be sent, no one would come to my job, and no garnishments would be taken, and I would not have to appear in court or have any legal actions taken against me. Scared from all of the threats, I agreed to pay the {$990.00} over the phone, even though I have no memory of a Chase card from 2004. She then gave me a confirmation number XXXX and said I would now receive documents in the mail, with all the details of our transactions, and a letter of XXXX balance that I would have to reference if I get called again. I have yet to receive anything in the mail. I just received my statement from the bank and noticed that the description for that payment says XXXX XXXX XXXX, a company I never heard of, again they told me they were legal support services for Chase. Please assist. I believe I was scammed, fool, tricked, and misled and forced to pay something that I did n't have to, but was forced out of fear.
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

There are three ( 3 ) recent inquiries ( XXXX XXXX XXXX, XXXX. - XX/XX/XXXX ; XXXX XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ) that were not authorized by me or permissible in accordance with the Fair Credit Reporting Act, Section 604. Additionally, my credit file has been breached according to Equifax 's very own records.
Consumer complaint received 2016-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NM)

Navient provides inconsistent, and incorrect information associated with the income based repayment plan ( IBR ), refuses to accept documentation for the annual renewal of the IBR plan, and withholds correspondence in regards to IBR plan until after deadlines have passed. This is the second year in a row that annual renewal of my IBR plan for loans serviced by Navient would have ended due to these issues. It required contacting and requesting processing of IBR documents several times, along with Navient demanding multiple re-submission of IBR renewal request and documentation, and the request was not accepted or processed until after the submission deadline had passed.
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

JPMorgan Chase abruptly restricted my checking account for 3 days preventing me from using my own cash because apparently they sent me a letter asking my wife 's employment status and we did n't respond to this letter. They restricted my account without giving me any notification for such a simple reason. I was very negatively affected by this dumb decision because I did n't have any cash for 3 days and I could n't pay my bills and I almost missed my mortgage payment on my primary residence. Which one is more important to Chase? My wife 's employment information or my life, access to food and housing?
Consumer complaint received 2016-05-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

Chase bank restructured transactions in my checking account so that they could extract XXXX overdraft fees instead of XXXX on XXXX XXXX, 2016. In fact, the first XXXX debits arrived early in the day, and the last, much larger debit was a late debit. There were sufficient funds to pay the first XXXX debits, and so only XXXX fee should have been charged.
Consumer complaint received 2015-08-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

Mortgage foreclosure/ Trustee Sale on XXXX XXXX, XXXX already faxed in the loan re-modification form to Chase. So far, there is no answer yet. In the mean time, we might precede selling our house or applying for Reverse Mortgage Program, or filing bankruptcy. Your prompt attention to help us postpone the sale date would be appreciated. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXXChase XXXX. XXXX XXXX XXXX, OH XXXX : Chase Bank Mortgage Account # XXXX paid {$670.00} on XX/XX/XXXX and {$2500.00} on XX/XX/XXXX for above referred mortgage account monthly payment ; {$670.00} for XXXX and {$2500.00} for XX/XX/XXXX. But Chase Bank only credited {$2500.00} to our account and did not credit the other {$670.00} XXXX. It was cheating and violated the consumer law. A copy of payment record is attached. 
Chase Bank setup escrow account to pay for house insurance and property tax. The attached XXXX monthly mortgage payment notice indicates that Chase post {$1300.00} as our property tax payment. Actually, Chase Bank only paid {$410.00} on XX/XX/XXXX for the house insurance but not for property tax. Instead, we paid the property tax {$2300.00}. Fraudulently, Chase posted and charged us {$1100.00} and {$550.00} as current and next escrow account payment. It 's a fraud scheme. Chase Bank Mortgage Corporation violated the consumer law by unilateral manipulated and modified home mortgage policy without notify and having agreement from the customer. 
Unless you correct your mistakes and reimburse our loss within ten days ; otherwise, we would complaint to proper authorities. 
Truly, XXXX XXXX Attached : - Chase Bank Mortgage Corp. account monthly statement. - Recent Mortgage On line payment records. - Property Tax {$2300.00} Paid on line confirmation