davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

I applied for mortgage assistance from my primary lender, XXXX as well as the secondary lien holder, Chase XXXX HELOC XXXX in XX/XX/XXXX. While I was approved for a FHA Hamp Mod with XXXX, Chase instructed me not to make any payments on my loan because they would most likely offer a 2nd HAMP. I was told the first lender 's HAMP mod has to settle before Chase HELOC could offer anything. The HAMP mod settled in XX/XX/XXXX. However, I diligently called Chase and continued to resubmit mortgage assistance documents regardless. I always informed them on the updates from XXXX concerning the settling of the FHA HAMP mod. The HAMP mod settled XX/XX/XXXX. After informing Chase, I noticed several things occurred which cause grave concerns : 1 ) Chase would change out customer service reps assigned to my file and the new rep would claim they had no knowledge of any previous notes on the file 2 ) Chase would claim faxes or mailed documents for the mortgage assistance were missing, which literally occurred for more than two years on this issue 3 ) Chase would not return phone calls or respond to my Escalation Dept. incidents. The first letter received for an answer for mortgage assistance was received XX/XX/XXXX and it was a denial. Chase claims I do not have a HAMP mod despite WFHM and a Supervisor from the XXXX XXXX XXXX verifying such via conference call. Chase is now stating they do not do 2nd HAMP 's for FHA loans whatsoever. In XX/XX/XXXX, I immediately appealed the denial decision and followed up via telephone with a Supervisor for the rep who submitted the paperwork to the underwriter. The rep assured me, as well as the previous rep, that Chase could give me the XXXX HAMP and I would hear something soon. This rep left the department, but apologized that Chase had " screwed up. '' Chase asserts they never received my appeal and provided two options : short sell or reinstatement. I did not sign their documents for either to take place. The reinstatement amount has so many fees as a result of Chase intentionally permitting the issue to sit for 2 years. I contacted Chase via telephone in XX/XX/XXXX to find out who was re-assigned to the file since no one was overseeing the account according to Chase. I discovered during my conversation that Chase has " written off the account. '' I was told that I could make monthly payments on it because the accounts was written off and the lien has been removed from the property. After making 6 months of payment, the letter from Chase states they will review the account. I do not trust what will happen from here, but it is not a good feeling. I do not understand how a financial institution that was bailed out from the federal government can turn around and deny a consumer who is ELIGIBLE for assistance the opportunity for such. I want a resolution and transparency from Chase how they will right their wrong.
Consumer complaint received 2017-02-17
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Universal Recovery Corporation (CA)

I wrote a check to XXXX for {$300.00}. and I was going to mail in the check to Universal recovery and they wanted to charge me {$1200.00}. and they gave me a discount of {$420.00}. and I was still charged XXXX twice as a penalty so almost {$500.00}. total plus {$300.00} for the check I wrote.
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (VA)

JP Morgan Chase had shown me to be pre-approved for several of their credit cards. After acting on XXXX of these pre-approvals, I was denied due to having opened too many new credit cards. This practice of pre-approving me for XXXX of their cards, and then denying me for the card when I apply is deceptive and causes my credit score to fall.
Consumer complaint received 2016-06-01
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (NC)

Always pay my Amazon Chase Visa account online. On XX/XX/2016, I tried to access my online account to pay my account and found that it had suspended because of recent activity. It recommended I call the number on the back of my card. Doing so ensured an hour of transfers to various " fraud representatives '' that cited the same written retort. Your account has been suspended due to fraudulent activity. Public questionnaire was for some other persons information, therefore, failed to authenticate. Personal questions to identify me as the primary account owner and legal authorized user were disregarded ( as in they refused to ask me those identifying questions ). Finally, admitting that the account was suspended due to activity on XX/XX/2016 - the activity was a call made to Chase questioning a charge, now my account is suspended! Exhausted with the circle of lies and transfers that ended with every representative talking over me instead of listening to the issue, I requested that my card be canceled - amazingly they were did cancel my card even though they can not identify me as the actual authorized user but refuse to send me a statement showing charges on a {$2500.00} credit card bill that now needs to be paid in full by XX/XX/2016. 
Truly, if my account was suspended due to suspicious activity then why did n't they call, email, text or suspend my card so that charges could n't be made?
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NJ)

The Law Office of XXXX XXXX, XXXX, applied for a Loan Modification for our client XXXX XXXX with Chase Bank. The Bank DENIED our request based on our client monthly income not considering that XXXX XXXX receives over {$5000.00} in rental income, which it was submitted to Chase but they refused to consider this rental income to approve him for a Loan Modification. We provided sufficient documentation to support XXXX XXXX financial stability to afford his mortgage payment and trustee payment. The amount estimated in the Debt to income ratio is not accurate provided by Chase. We request your assistance in disputing their denial and for further review of the Loan Modification.
Consumer complaint received 2024-10-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MS)

On XX/XX/year> I purchased a XXXX gift card loaded with {$500.00} from XXXX. When I opened the card package a few hours later, I discovered the card had altered. The last four digits on the front of the card were removed. On the back of the card, the last digits of the serial number were removed and the CVV code was removed. There was also what appeared to be superglue on the magnetic strip on the back of the card. I did inspect the card package prior to purchase, and saw no indication the card had been removed and replaced or otherwise altered. 

Immediately upon discovering this, I called Incomm to report it. The representative provided a case number ( XXXX ) and told me the company would contact me within a week. They have not contacted me in any way. 

I searched the internet to see if others had experienced the same problem, and found that Incomm is actually being sued in court for failing to provide proper security features in their cards to prevent alterations from occurring.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XXXX XXXX @ XXXX, I made a {$460.00} cash payment at a local Bank of America drive-thru. Approximately 2 weeks later I got an overdue statement in the mail. I went into the bank, with receipt in tow. I was assured they 'd take care of it. After no results, I went into another location on XXXX XXXX, and was told that if I were to return to the original location, they should be able to correct the mistake on the same day. So, I did. I arrived @ XXXX and spoke to the Assistant Manager, XXXX XXXX XXXX who remembered I had been there and she said that she could not do anything. She had a personal banker call into customer service with all information, letting them know that she confirmed that it was due to a teller error and no fault to me. She told me that it would be cleared and all fees and negative reporting would be removed. Furthermore, XXXX, claimed that she would follow this herself to ensure that it is restored. Today is XXXX XXXX. I have been unable to use my card since before XXXX XXXX, and now, I have received a letter stating that proof of my claim is required. I am now left wondering if my payment was in fact stolen, as I am being treated with contempt. I have had this card with a very large credit limit, in good standing since 1997. I am afraid to make further payments and hope that someone will help me to straighten this matter up.
Consumer complaint received 2016-08-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (FL)

My debt with Central Financial Control was settled in full on XX/XX/XXXX. I received an alert on my credit report for unpaid account on XX/XX/XXXX witch had an impact on my score ( drop XXXX points. ). I did a dispute with XXXX, is there anything else that I can do, central Financial Control this is telling me that they did a mistake ...
Consumer complaint received 2016-12-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has instituted a " maintenance fee '' on my account, however I have not been told anything about this. Why? When? How much?. I have been a customer with BofA for over 12 years, and have never incurred any maintenance fees on my checking account. I have now " paid '' {$68.00} in maintenance fees, because I do n't check my account often and I now " owe '' Bank of America {$12.00}. This is ridiculous. Bank of America doesnt pay me interest for keeping my money with them, and then after 12-15 years they start charging me without telling me. 

To add insult to injury, the website tells me the only contact method available is the phone ( every other bank has chat and email available for bank accounts ). And when I call, Im told I have to wait on hold 22-30min ... its almost 2017, this is absurd.
Consumer complaint received 2020-06-09
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: Experian Information Solutions Inc. (FL)

Final request to remove all unauthorized inquiries. 
After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.Please remove the following unauthorized inquires which I listed in Identity theft. 


I have requested proof from these companies that the pulling of my credit was somehow in fact authorized by me, I still have yet to receive any responses. That tells me, that they WERE NOT authorized and therefore need to be removed from my credit profile immediately. 

Please send me an updated credit report after you have deleted the inaccuracies. Thank you.
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I was scammed on XXXX. Unfortunately I did not read the " how to avoid being scammed '' before I got scammed. I advertised an elliptical machine and the ad was answered by someone saying they were interested in the equipment but were out of town and wanted the piece shipped to a location by movers. This is the text he sent me on XX/XX/2016 -Ok, i will like to purchase it asap, i am very much okay with the price, but i wont be chanced to come around to check it properly, am currently at Out of the state, I will be paying you via check so after the check has been deposited and it cleared by you i will ask my mover 's to come for the pick up at your location and i will add {$50.00} to it for keeping it for me, thanks. - I received a check for {$1900.00} on XXXX/XXXX/16. I deposited it that day. ALL of the funds were available on XX/XX/2016. I went to XXXX to send {$1400.00} to the buyer via XXXX XXXX on XX/XX/2016. The buyer retrieved the money and I waited for the call for him to send the mover to pick up the equipment. The next thing I see is the check was returned item chargeback.and a XXXX dollar return fee. I called my bank and asked why the funds were available to me the day I deposited the check if the check had n't really cleared. They said it was BOA 's policy because I was a long term customer of Bank of America ( 40 years ) the funds were made available as a courtesy. Very bad policy I asked BOA to return the XXXX dollars to me because even though I did something dumb and got scammed on XXXX I would never have sent the XXXX XXXX money to the sammer if BOA did n't make the funds available immediately. All they returned was the XXXX dollar fee after escalating the call as high as BOA would let me. I 'm asking you to have the bank make good on my money because of the terrible policy they have in effect.
Consumer complaint received 2017-01-20
Product: Credit card — 
Issue: Rewards — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used one of the cash back deals from Bank of America ( BOA ) that requires me to spend 2x {$15.00} at XXXX to get {$75.00} dollar cash back. After fulfilling that requirement within required dates, BOA is denying me the cash back. I have attached my proof of purchase at XXXX and the exact terms listed in the offer for reference. Terms part 2 is from opening the link from second to last sentence of terms part 1
Consumer complaint received 2016-07-27
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Credit Bureau of Carbon County (TX)

I owed XXXX dollars. I was told I needed to make a minimum payment of XXXX in order for her not to take legal action. 
I felt intimidated so I payed the XXXX, then I started to give what I could afford. Since then I have n't received any letters till this day, on how to resolve this debt.
Consumer complaint received 2017-03-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

We are working on a short sale with Bank of America and they have had the file for 9 weeks XXXX since XX/XX/XXXX ). They had a complete file on XXXX, but of course they took more than a month to review the file and requested updated documents. Those were delivered and then they took another 3 weeks to look at the file before they had " questions '' about the income and tax returns. It has been another 2 weeks and the underwriter has yet to review that information. We have n't even been able to get the file out of loan modification and into the short sale department 's hands because they are so delayed in reviewing the file that every time they look at it, they request something more! We are about to lose our buyer. Please help us.
Consumer complaint received 2016-02-12
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Solomon and Solomon, P.C. (NY)

1. The Solomon & Solomon send me a letter dated XXXX, XXXX, had been retainedby New Jersey XXXX XXXX XXXX Assistance. Notice of opportunity to contact within 30 daysto dispute the debt and statement they are debt collector. The letter was never sand regular or certified. 
2. I respond on XXXX, In that letter I asked Solomon & Solomon , PC. to validate the date. The letter stated to respond to a specific Notary Public, within 30 days. The leter was send by certified mail and received by Solomon & Solomon, Pc. on XXXX/XXXX/2015. 
3. I also pulled down my credit report and saw that this debt had been charget off. 
4.Solomon & Sollomon garnished pension of the co-signer, on the amount of {$2000.00} with out notifying me as primary creditor. ( This is a felony ). 
5. I was servet withlawsuit on XXXX, XXXX Solomon & Solomon regarding this maner.
Consumer complaint received 2016-11-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

The bank did a charge off of a business credit card when the business collapsed and removed any tracking of the debt from my account information ( e.g. web site ). Three years later, the bank reassumed the Charge-off. Without any notification from the bank, that they re-assumed the debt and now wanted to off-set the funds, the bank withdrew the funds from my primary checking account bringing the account to below the minimum amount required for that account. Upon inquiry, the bank claimed that they do n't notify because they do n't want there to be any chance that funds are removed from the account. During that same time, other non-charged off debts to the bank did continue to be paid on time. Other debts that had been charged off were not acted up due to an inability to pay more. The personal bank account had been maintained just above the minimum level required for the account. Because of the bank 's action, it created a situation where I am in violation of the banking agreement based upon the minimum to be maintained in the account thus having additional negative impacts. One such impact is a XXXX flag that the account is below minimum, so that XXXX denies acceptance of any check written. This was discovered upon writing a check to the dentist for which funds were verified available, but XXXX had flagged the account. 

BACKGROUND : in XXXX the company in which I was employed, restructured and laid me off. XXXX. We knew that investment was necessary and obtained a potential XXXX Investor and subsequent XXXX. To assist in obtaining the investment, we had up to XXXX employees working on the intellectual property. Ultimately, the XXXX Investor backed out, and left us in a space where the principals ( myself ) had utilized almost all resources to provide the jobs and create the business. Thus we collapsed the business in late XXXX and worked diligently to make payments on non-charged off debts as best as possible.
Consumer complaint received 2015-04-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

on XXXX XXXX 2014 i, XXXX XXXX had my purse stolen out of my vehicle and have police incident report.i then called all my banks and credit cards to cancel.Bank of XXXX is the only bank not allowing me to close my account till this day cuz of not XXXX balanced..in XXXX i spoke to XXXX XXXX and arranged financial difficulty payments and already paid XXXX payments and still not closing my account and my numbers keep going up instead of down..XXXX owed on my checking and i didnt agree on that but arranged payments anyway ... XXXX on my credit card account totaling XXXX..still charging me fees and late payments wen its stolen nobody knew about arrangements..then got a hold of a lawyer and no respond to our letter, ,i just want my account closed and i only owe XXXX to the checking if that XXXX on my credit card minus the charges.lawyer was XXXX XXXX FILE # XXXX. to show that i followed thru and they have not and its fraud,
Consumer complaint received 2016-10-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CHECK INTO CASH INC. (ND)

I was contacting several months ago about a loan the I thought was paid XX/XX/XXXX but the company failed to take the amount out of my account and then waited until XX/XX/XXXX to contact me. I made arrangements with them in XX/XX/XXXX to pay the debt over several months. The payments were processed appropriately in XX/XX/XXXX and XX/XX/XXXX then in XX/XX/XXXX they began contacting me constantly threatening me because a payment did n't post, yet according to my bank, they never attempted to process the payment. I have tried working with them and have given financial information multiple times yet they keep contacting me saying payment has n't been made ( bank statements show they have or that they never attempted-initially the XX/XX/XXXX payment then after 3 conversations and sharing info, it finally was processed. XX/XX/XXXX payment was not attempted ) and asking for my bank info repeatedly. They call multiple times in a short period of time ( 3 times today in 90 minutes ) threatening me and telling me what I owe will triple, etc. they have even hung up on me when I ask them why I need to keep doing this ( share financial info ) when I have authorized payments to be taken out according to the terms of the agreement I signed. I have attached the XX/XX/XXXX document showing future payment terms. I also had payments processed earlier.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

Deposited a check under {$5000.00} into my Chase bank account and the funds are being help for 7 business days. None of the requirements for an extended hold are met to justify the extended hold and they did not make the first {$200.00} from the check available.
Consumer complaint received 2016-11-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC (FL)

My loan was transferred and I was never notified. It is my understanding they 're supposed to notify me 15 days prior to the effective date. It 's effective as of XXXX/XXXX/2016 and I was never notified ( Today is XXXX/XXXX/2016 ). My escrow is also down to XXXX and I 've got my property taxes due as well as my homeowner 's insurance. My homeowners ' insurance is due by XXXX/XXXX/16. My last payment was made on XXXX/XXXX/2016 as well, but I was n't notified it was transferred, so I made the payment as usual. As of today, payment has not come out of the bank either. 
Loan is with United Wholesale Mortgage.
Consumer complaint received 2016-09-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NJ)

I had a mortgage with JPMorgan Chase. My mortgage account number is XXXX. On XXXX XXXX I requested my payoff quote. I paid XXXX XXXX I made a payment for {$960.00}. Which was taken as FEES. The bank was keep calling me for the payment. On XXXX th I again paid another payment for {$1000.00}. Though I did n't owe any money in XXXX. They complained to credit bureau stating I am late. Credit bureau reduced my point. They sent me a refund of {$.00} for the overpayment of the payoff. In fact they are stating I had pay two months extra payment they collected. Obviously my payoff quote is also more amount. Can you please help me to get the right amount refund. If you need any documents I will glad to send fax or email.