davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Renton Collections Inc. (WA)

Renton Collections , Inc. sent a bill from the original creditor, XXXX XXXX XXXX, account number XXXX in the amount of {$320.00}. This amount includes the original bill of {$300.00} plus {$15.00} in accrued interest for a total of {$320.00}. After contacting a customer service representative on XXXX XXXX 2015 to locate the original creditor which assigned the debt to collections, I told the collection agency representative the insurance agency had already paid the bill in full. The collection agency representative angrily denounced the statement claiming they had no such information. When pressed for details about the original creditor, the billing collection agency refused providing the information claiming they did not have to provide it. I asserted that per FCRA, the collection agency did have to provide the information from the original creditor in writing per my request. However, the billing collection agency representative still refused to do and refused to turn the call over to a person in charge per my request.
Consumer complaint received 2020-04-17
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NJ)

I stopped paying discover student loans because i couldnt afford it. For 5 years I tried working with discover and attempt to lower payments. I was living paycheck to paycheck and only paying down interest. Student loans are a scam. I stopped paying because they refused to lower my monthly payments. I ignored their phone calls and contacted an attorney. Now Im getting letters that it was sold to a debt collector and i was never notified. In addition, I have never received any communication from XXXX XXXX, the debt collection company, to make arrangements or figure something out. Now they reported it to the credit bureaus and my credit score dropped 30 points because of it. This is just XXXX. I want my credit restored.
Consumer complaint received 2016-05-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (CA)

My car company charged off my car loan because at the end of my loan I still owed money due to a few deferments during the loan. I contacted them to see if i could continue to pay my monthly payments until it was paid if full and I was told NO, I had to pay the balance in full. I could not afford it so they charged it off. I had a XXXX % payment history with my loan. I then talked to someone who said my car is out for repossession. My family gave me a loan and I made a XXXX XXXX payment of {$1800.00} which paid my loan in full. I still had late fees and interest fees of {$940.00} left. I called each week and had a new representative each time tell me someone would call me back. No one would ever help me after I paid the {$1800.00}. Finally I spoke to a guy that went over my option of a settlement for the remaining fees. I was told I would get a per-settlement offer via e-mail sent to me. It never came. I called and called and then finally I spoke to XXXX XXXX, she looked at my notes and apologized for getting no responses and the run around. she said that guy who made the settlement terms with me was no longer with them. She then said all settlements in their company are placed on suspension and she would contact me once the suspension was released. A week later I got a call from XXXX and she said they accepted my settlement of {$650.00} and the other term was that they would delete the account from my credit. Today I received the per-settlement e-mail letter. It did not indicate the term of the account deletion from my credit so I responded to the e-mail asking someone to please contact me. After 4 hours and no call I called XXXX myself and explained that this term was left out and can they please revise the letter and re-send it to me so I can pay this right away. XXXX told me No, they ca n't change the letter, she said I need to pay and they will take care of that. I said I need this in writing. She then became mad and very rude to me saying she has went above and beyond to help me when in fact I was the one calling their company everyday with no responses. She said she has no access to e-mail when I asked her to send me a confirming e-mail of our terms since they ca n't change the letter, she said there is nothing she can do and to not call her again today ( that was my first time calling her today ). I am so upset, all I want to do is pay my settlement and have this removed from my credit so I can forget about them forever. They have zero customer service skills and do not care about their customers. I do not know what to do at this point. If I do not pay I will never receive my pink slip and they will continue to report missing payments to my credit like they did last month even though my car is paid in full and the remaining balance is just fees. I need help please.
Consumer complaint received 2015-12-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I had an account several years ago with Chase. I recently tried to open an account with them and said that I was " blacklisted '' they will not give me any reasons as to why I can not have an account with there financial institution. They stated I was sent these reasons years ago. I was sent no such letter. I think this is discrimination. I want to know why. I have done nothing wrong.
Consumer complaint received 2015-09-29
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NV)

I sent Chase bank a certified letter XXXX XXXX stating that I want a disclosure pamphlet of there policy that you are allowed to make a when there is a discrepancy with your mortgage account.. I asked that it be sent and call me when its sent off. Including a tracking number. It is my right to them. It is a federal law. They are not providing them to me.
Consumer complaint received 2017-02-25
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (ME)

Per the exact wording of the letter sent to me, electronically, dated XX/XX/XXXX. your direct quote is " As we have explained, the Assignment of Mortgage transferring the mortgage lien from XXXX to Chase occurred in XX/XX/XXXX. You have been provided a copy of this document. Your letter contends the date on which the Assignment occurred adversely impacted your ability to refinance your loan prior to that point. We assure you this document would not have prevented you from pursuing a refinance of your loan or pursuing a sale of your home. 
Further, the recording of the Assignment did not impact the foreclosure process initiated on your loan because the process did not result in a completed foreclosure and sale. As you know, you sold your property through the short sale process ; you were approved to sell the home for less than the amount you owed on the loan. The short sale was completed in XX/XX/XXXX, at which time the loan was due for the XX/XX/XXXX, payment. Accordingly, the foreclosure was canceled and the property did not go to foreclosure sale. 

This is considered as new and material evidence : : : : please research this matter .... 

There was an instance when I attempted to conduct a VA Streamlie with you. Upon receiving the documents, I found them rather confusing and unable to understand the language within the documents. Also, I was informed by a representative within your company, the second mortgage would NOT be subordinated. I am well aware there are logs of every call I made to you. I am well aware any incoming calls to an " XXXX, XXXX, XXXX, etc Area Code, has an internal system that logs calls. I will await these logs, to match my logs from any and all telephone numbers bearing my name with you. aLSO, THE MORTGAGE WAS NOT ASSIGNED TO YOU, UNTIL after the short sale proceedings were commenced. Am I correct, or do I stand corrected?? Also, the servicer of the second mortgage is aware of the subordination clause commenced by you.
Consumer complaint received 2016-03-11
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (CO)

On an automatic debit payment plan, Chase Slate credit card will only allow consumers to pay the minimum balance and or the total balance. Therefore this causes the consumer to have to log into the account monthly to pay any other balance. This causes an inconvenience to the consumer by not taking advantage of current day technology. When consumers due not adjust payments, Chase gets the benefit of the accruing interest.
Consumer complaint received 2016-01-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

I have been a Chase Bank customer for 8 years. Over that time, I have paid a high number of overdraft fees and monthly fees to the institution. I feel that these fees are unfair, unethical and a predatory practice by Chase bank. 

I have paid to chase in excess of {$150.00} in overdraft and monthly to chase fees in 2015 and much more over the course of my account being open. In the past 3 weeks, I have been charged over {$130.00} in overdraft fees on XXXX separate days where funds were unavailable in my account. In these XXXX cases, even though I transferred in money to cover the balance, Chase will not forgive the fees as Chase has refunded fees to me a total of 6 times in the past 2 months. Chase says that they have already refunded me {$200.00} in the past year, so they are entitled to any fees in the future, including this {$130.00} and any previous fees where chase only gave a partial refund. 

I do n't understand how a bank takes money from people who do n't have any to begin with. My account was overdrafted because I am struggling without money, not because of mismanagement. I even went to the branch and told them my story and how I was out of work and just started a new but Chase only relies on their computer systems and their system does not allow branch managers to refund a customer more than 6 times, even if the customer is showing financial progress, or if those charges came during a time of stress for the customer. Even though I turned overdraft protection off, Chase still charged me overdraft fees for ACH payments. 

I feel that this is unfair and unethical. This bank 's practices are specifically designed to be predatory and take advantage of people who are facing financial hardship. The excessive overdraft fees, charged multiple times a day are incredibly damaging for anybody who is trying to crawl out of financial distress. This is in addition to a $ 12 monthly fee that chase charges customers who have a balance below a certain amount. Chase bank 's goal is to keep these customers close to the brink, so that they can continue profiting off of these predatory fees in the future. For example, while my account had a balance of - @ XXXX, chase charged me another monthly fee of {$12.00}, resulting in a negative balance of {$15.00}. If I do not pay this - {$15.00}, which was caused by fees from chase, chase will charge me another {$35.00}, and then {$15.00}. This is disgusting. 

I lost my job in XXXX 2015 and found a new job in XXXX 2015, during that time I have had financial difficulty and hoped that my long relationship with Chase, in addition to the countless fees I have paid to the bank, would mean something to the company and that the company would support me in this time to stay afloat. Instead, there is not even a partial refund offered and the bank refuses to address the issue past their computer system. 

On top of that, as my account had a low balance, chase took an additional {$11.00}
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/XXXX CFPB : XX/XX/XXXX, I paid the Full Balance of my XXXX {$230.00}, so I should NOT have been charged Interest on that Payment. But JPMChase did charge me {$5.00} Interest on that Payment, having erroneously recorded the date that I paid as XX/XX/XXXX. I want JPMChase to refund me {$2500.00} and remove all detrimental information that it has placed against me in its reporting to Credit Bureaus. 

Sincerely, XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MN)

I was told by Navient that my loan was in a long term forbearance since the loss of my children 's father. They said that they would defer my payments until XX/XX/XXXX and that I would have to pay interest when i started repayment in XX/XX/XXXX. Because of financial hardship I was told this was the best option in XX/XX/XXXX. In XX/XX/XXXX I was surprised to find a report on my credit that my loans were delinquent when I had just responded to their email asking if j wanted to continue deferring payments. I was told " not to worry '' since it was on record that I was experiencing hardship and would begin payments in XX/XX/XXXX. Now they have intercepted my tax return and did not forward our previous arrangements to the department of education. I was mid-led & deceived by Navient and in my opinion anyone coming after them to try and clean up their collections is also being mis-led. I have a strong desire to pay my debts and accept full responsibility for them. However this deception has wreaked havoc on my credit and my ability to provide for my family.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WI)

I have tried to contact Navient 5 times to resolve the issue of Teacher Loan Forgiveness. During that time they have told me a number of things that I know to be incorrect, such as " You must serve 5 more years from the day you apply a payment to your account in order to be eligible for teacher loan forgiveness. '' I know that this is untrue, as it is the years I spent XXXX TO earn the XXXX award, not when I use it. It states this on the Federal Student Teacher Loan forgiveness page. They have denied my forbearance request and even claimed that I am not eligible for teacher loan forgiveness at all. When I quoted the website and a conversation to refute these claims, they suggested that I contact XXXX, the guarantor. When I contacted XXXX they answered the phone as 'Navient. ' When I asked for clarification, they gave me another number. I asked, " Is this for XXXX? '' They said, " yes. '' When I called that number, it was the XXXX line. I am fed up and have had enough.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (FL)

I have never missed a payment on my student loans, and have always used the income based repayment plan option. This past year I got married and filed taxes with my husband. We DO NOT share a bank account and for the most part do not share money as we have divvied up our monthly bills. He pays electric, cable, his car insurance, pet insurance, and home security system. I pay our mortgage, student loans, car payment, jewelry and car insurance. 

This year when I went to renew my income based repayment plan, they told me that since I filed taxes with my husband, that now I have too much income to qualify for that plan. Fine. What are my options? I was told a different thing from 3 different customer service representatives. One of whom suggested I go into forbearance for a month until they are able to transition me into a plan that is going to be XXXX dollars more for me a month. I pride myself in not missing any payments of any sort. I could not believe they were telling me this. The other 2 were helpful, however they kept keeling me to call back in XX/XX/XXXX which made me miss the XX/XX/XXXX deadline of signing up for a payment plan. Again, could n't believe they were telling me to call after the deadline. 

I was also under the impression that if you were in an income-based repayment plan, that your student loan would be forgiven after 25 years. I have already been paying my loan for 4 years, but with the new payment plan I was told I would have almost 27 more years of payments on top of all the years I have been making payments. I will be XXXX years old. 

To top everything off, I got my student loan interest tax form in the meal, and I am only paying off interest at this point! I am making no dent whatsoever in the balance of my loans. I am making over {$300.00} in payments a month ... that 's not exactly XXXX ... I feel like it should go directly towards the balance. Why is the interest rate so high??? Its killing me! 

My student loan payment is the only reason we are waiting to have kids. We make XXXX take home pay every year, which should be enough money to start a family, but this student loan is causing me to put my life on hold. I feel such desperation. I am working in the file that I studied in college, so my education is going to use ... Just wish I would have known all this when I was XXXX and applying for these loans.
Consumer complaint received 2016-08-04
Product: Debt collection — Federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Navient Solutions, LLC. (IL)

I received a call from XXXX XXXX XXXX XXXX, regarding a student loan that is owed by my daughter. The collector was screaming at me, telling me I am a loser and I should have never procreated children if they ca n't pay their bills. That my children are clearly losers like myself.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I am writing to dispute a situation with  XXXX   XXXX   XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of   XXXX    and Experian. It is past the  seven  years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a longer period of time.     There has been very strange activity with this  XXXX   XXXX   XXXX   XXXX  account. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting all payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to   XXXX  . I have made no payments whatsoever past   XXXX   yet it shows payments resurfaced and also made consistently, with latenesses, occurring in  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . Actual pictures of the check or money order used to make the payments are being requested.
Consumer complaint received 2016-04-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: HW Holding, Inc (KY)

Back in 2013, me and my wife moved from XXXX to XXXX XXXX XXXX, because that was her dream. After a few months, we was in the swimming pool when about XXXX XXXX was skipping rocks across the pool. It was me, my wife, my daughter, her boyfriend and my grand-baby. So naturally, my daughters boyfriend told them to stop because of the baby. The next day me and my wife had to put air in our tires. A couple of days later, we mentioned the situation to the manager ; about two or three days later, my window got busted. I had just to XXXX it up because we spent everything we had to move there, XXXX XXXX XXXX. About 2 weeks later, new neighbors moved in downstairs. They would bang on their ceiling all the time. I night, about XXXX, I was in bed when my wife came running into the bedroom saying that someone was beating on the door. I got up and answered the door ; there stood a woman asking me to keep it down because they was trying to sleep and we was making too much noise ( I was in bed ) and my wife was in the living room watching t.v. That next day I told my wife to find another place because it was getting ridiculous there. On the last day that we moved out, the manager came up to me and asked what was going on. I told him that earlier that month my window was busted out of my car, and he told me " well if you would have told me, we would have you park under one of our cameras ''. I told him we live week to week and even though we would have caught the juvenile delinquents, that would not help me if they slashed my tires. The law would make the parents pay for the damages ; but what was I supposed to tell my boss. Oh, as soon as my car gets fixed, I 'll be in. Like I said, we was on a very tight budget and could n't wait till XXXX, or maybe even both of our cars to be fixed. The manager even said he knew who done it because he has had trouble out of them before. Then I told him about our new neighbors and how they was banging on the ceiling all the time, and once even got me out of bed to tell me to be quiet. He said you should have came to me for that too ; but I thought it would be easier just to move and not make any more enemies. So now Hunter Warfield calls me all the time. I only have a cell phone and I even told them to quit calling me because I ca n't get phone calls at work, but they call anyways. The last time we talked, they said that they was going ahead and start legal action, even though they know this story also. So, if you could help, I would appreciate it. I know that I broke the lease, but I had no other choose. So, XXXX XXXX XXXX, but it 's Hunter Warfield that calls # XXXX Thank You, XXXX XXXX
Consumer complaint received 2017-02-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Express Aviation (TX)

I attended XXXX and agreed to pay towards a loan while I was in school in order to remain an " active student ''. I agreed to pay this loan so that I may receive an education. As of XX/XX/XXXX, the school closed down. With the school closing down I unfortunately did not receive the purposed education. I am no longer attending school and have been asked to make payments starting XX/XX/XXXX. Because I was unable to finish, and I did n't receive an education, I do not believe I should be expected to repay any amount of that loan back.
Consumer complaint received 2016-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I had my {$490.00} payment on auto withdrawal from my account every month on the XXXX. Unfortunately, this setup only lasts for one year increments for some reason. I called Navient last month to tell them to keep my payments on the XXXX of every month because that worked for me. I just happened to check my bank account this morning and saw the payment came out on the XXXX instead. It 's my understanding that it 's illegal to withdraw an unauthorized debit from an account. I called Navient and they said they would n't have done that and will be reviewing the tapes and get back to me. I know for a fact I asked to keep my payments on the XXXX of every month because that works for me. Now I need to find another way to make rent this month because my NEXT paycheck should be going towards my student loans.