davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-05
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

Chase closed down by business account and reduced my credit line almost to zero a few years ago. The notice was fairly short and had no explanation on why they wanted to end our relationship. The branch manager at the time told me he could n't find out why I was closed. My business was doing fairly well at the time and the abrupt closure cost me a few XXXX for changing banks. I recently tried to apply to a Chase XXXX Rewards Card and the credit analyst told me he could n't proceed because I have a " Negative/derogatory previous relationship with Chase ''. While surfing the internet, I read that this is a type of blacklisting that occurs in Chase. Not sure why my business relationship has anything to do with my personal credit card relationships. I also have a mortgage with Chase that 's in good standing for over 11 years. I would like to be removed from this black list as this does n't seem like a legitimate business tactic. Thank you
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

on XX/XX/year>, I disputed XXXX STRONG XXXX on Experian only for them to turn around and say The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. but they did not seem to mind adding an extra late payment, which is totally inaccurate on top of the already inaccurate late payment in XX/XX/year> now I have a XXXX  day late payment in XX/XX/year>. The original dispute was to remove the late payment because of an accuracy between the bureaus, XXXX was reporting on time in XX/XX/year> and Experian was reporting XXXX  days late In those XXXX things can not exist simultaneously and be correct. I asked Experian to remove it for inaccuracy because it is not correct. I had provided evidence and evidence was ignored. Now they are reporting a XXXX  day late payment for XX/XX/year> which on my report it says last payment was made on XX/XX/year>, but last time I checked was XXXX  days late from XX/XX/year> not XXXX. Also i only disputed once but somehow have to different disputes, XXXX that was verified and updated to add another incorrect payment and another one. I deserve a complete and accurate credit report and Experian is failing to provide that. I am requesting a reinvestigation and if they find anything at all that is inaccurate, incomplete, inconsistent, or unverifiable my account must be updated to paid on time never late. According to the Fair Credit Reporting Act XXXX XXXX XXXX ( XXXX ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. I sincerely appreciate your attention to this very serious matter.
Consumer complaint received 2024-10-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Please refer to details provided in Complaint ID XXXX which has been closed prematurely without an explanation from Bank of America and without resolving the issue. 

In this connection, please refer to Class Action Lawsuit against Bank of America under Case No : XXXX The details may also be checked on XXXX
Consumer complaint received 2022-09-02
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 have noticed that the information on my credit report is incorrect so I contacted Experian, XXXX and XXXX multiple times to make corrections but to no avail and it is affecting me badly. I had my credit report analyzed and the result from the analysis shows that Experian, XXXX and XXXX are reporting differently on specific accounts which goes against the Fair Credit Report Act. ( uploaded copy of proof of analysis from XXXX XXXX XXXX  ) I spoke to XXXX concerning a loan to fund my business, and they told me that I needed a credit score of 600 and up plus all necessary business documentations in order to secure {$70000.00} ( XXXX XXXX dollars ) for my business so I submitted all necessary documents granting permission to run my credit which I knew was over 611 at the time ; XX/XX/2022. 

XXXX refused to loan the {$70.00} because Experian reported to them that my score was XXXX instead XXXX so I reached out to Experian to ask them why they are reporting XXXX instead of XXXX and I didn't get an answer or resolution. 


Just two days ago, on the XXXX of XXXX I was denied another loan by XXXX because Experian misinformed XXXX too and told me my score is XXXX instead of XXXX. 

I have never conducted business with the following negative accounts on my record namely, XXXX. XXXX ( XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX and have reported this to Experian multiple times but to no avail. 


I signed up for Experian boost by connecting my bank account in order to boost my score as I pay my bill on time. The bank account I connected to was opened about 4 years ago and Experian boost has access to all that information including my latest balance yet I never got a boost till date but instead Experian boost pulled up a non existing XXXX XXXX  phone records to qualify me for a boost which will be impossible because I do not live in XXXX but New York for the past 10 years. I called in to alert them of the situation but it is still the same and I do not know why.
Consumer complaint received 2016-09-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Reporting the improper hierarchy of payments, violation of servicing the loan and improper foreclosure proceedings. Duplicate/overpayments for our mortgage payments were applied on XX/XX/XXXX for the months of XX/XX/XXXX-XX/XX/XXXX. we have requested that the Chase Bank reverse these payments on numerous occasions, but to no avail. We are now sending a copy of our bank Statements and Chase Reconcilation log detailing the duplicate payments. Also payments were not accepted starting XX/XX/XXXX - XX/XX/XXXX, causing us to go into a foreclosure. we were not 120 days in arrears at the time so our payments should have been accepted.
Consumer complaint received 2016-08-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (ID)

In 2010 I received a check from an attorney in XXXX from my brothers ' estate for {$30000.00}. He left each of his siblings this to take care of ourselves. My favorite store in XXXX was only XXXX blocks away from me and Chase bank was conveintly in the store. I opened an account with them, within a week I had {$2000.00} stolen by a young female employee. I was on a trip with my family when I realized what had happened. When we were dropping my grandson off in XXXX Chase bank told me I had no money in my checking account. I had {$8000.00} in my checking account when I left XXXX. When I returned to XXXX I looked at my statement that had arrived while I was gone and there were XXXX deposits of {$20.00} each put in my account that was done by an unknown person. I called Chase bank security and was told to hurry to the bank and talk to the manager there. I did and he was totally unconcerned and that made me suspicious. I have been trying to get help to get my money back, I have medical needs and no money to take care of them. I estimated that the bank has stolen about {$10000.00} from me in my checking and savings accounts. I was also told by other people that this happened to them at the very same bank. No one in their bank security dept has listened to me.. This is Chase bank on XXXX. My documents are in storage in XXXX. and when I go to retrieve them, I plan on suing
Consumer complaint received 2015-07-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: JPMORGAN CHASE & CO. (TX)

Original credit card account was opened in XXXX. Last payment on the credit card was made in XXXX. In XXXX, I received notice that they were going to put my house on the sale list to pay off the debt. After working with an attorney we resolved the issue and they took it off the sale list. In XXXX, I went to mediation and met with representative from the collection company and provided all information requested. Since that time we have heard nothing in regard to the debt. On XXXX XXXX, after logging into our online banking saw our XXXX banking accounts were all negative XXXX. We called XXXX XXXX XXXX to resolve the issue and was notified that our accounts were put on hold because they were now to be garnished by the state of texas. No documentation was provided by the debt collector since XXXX. They explained that they tried contacting us in XXXX to an address that we had n't lived at for XXXX years. No phone calls were made and no other certified mail had been sent. Address changes were made each time we moved. He explained that was n't his problem to keep current information, although he had my current phone number and mailing address on file. We are now without any money and XXXX kids in our home. XXXX and other money is all gone. There are no judgments or liens outstanding on us.
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Home American Mortgage Corp (CO)

In short ( however please review all email exchanges for full context ) I applied as a single owner occupying XXXXXXXX XXXX on XX/XX/year> with XXXX XXXX ( Home American Mortgage ) to a new primary residence under Conventional. The conditions of the loan terms were in the initial disclosures. I asked that we use Tax certificate ( allowed per the underwriting guidelines ) and was told they wouldn't. Since applying it was very clear I was NOT an investor, this would be my primary residence and provided a letter of explanation of why I was leaving my current home at 11 months vs 12 months. They did not want to honor the contract/purchase agreement to allow for me to stay in my home for end of XXXX close and kept insisting they would " treat me as an investor ''. They demanded 20 % down even through again I applied as owner occupying conventional which is 5 % down. I called out that XXXX XXXX XXXX '' was unilaterally making this decision and then they stopped responding to my emails, held my earnest money ransom saying I would have to pay {$500.00} on a debit card upon getting my earnest money back. They kept saying they would send a termination agreement and never did. They refused to acknowledge any of my emails in the end and provide an update only communicating through a 3rd party not part of the lending process ( sales ) via text. They would not take my calls and several times I asked either they approve or deny my loan but would not move the process forward or respond. Their practice was predatory and unethical and I felt singled out. I feel I have been unfairly discriminated against and this has caused me an immense amount of anxiety while also triggering stress which resulted in loss of sleep and productivity at work.
Consumer complaint received 2015-06-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MO)

I have been attempting to get a modification on my home loan since XX/XX/XXXX. I have been given the run around by Chase for the entirety of this process. I have been asked to send entire application packets no less than XXXX times in the process of this modification. I have had several different representatives when in the application process. Now that we are to the final modification documentation, Chase is attempting to collect additional funds that would not have been incurred had they completed their part of the modification process in a timely matter. In addition to the balance of the home, Chase is asking for {$14000.00} in interest, along with other fees, and resetting my loan for a total of {$97000.00}. In addition to the {$14000.00} in interest they are asking for, the funds from my trial modification, {$2100.00}, have not been calculated into the final modification documents. I am also being asked to pay an additional {$330.00} in closing fees for a modification. During this process, Chase has also failed to take the true value of my home into consideration. According to XXXX XXXX, MO tax records, my home is valued at {$85000.00} as of XX/XX/XXXX. I have made many attempts in contacting Chase in regards to these issues, but have only been responded to with " YOUR ESCALATION REQUEST HAS BEEN ANSWERED AND IT HAS BEEN CONFIRMED THAT ALL INFORMATION WAS TRUE AND CORRECT THAT WAS CONTAINED IN THE FINAL MODIFICATION DOCUMENTS. '' I do not feel that they are willing to make a modification that benefits the customer, rather a modification that benefits Chase. 


I do not feel that I should have to pay {$14000.00} in interest, since it is Chase that has dragged their feet in this process. No interest should be charged on top of an interest-bearing loan. 

I should not have to pay closing fees ( {$330.00} ) on a modification of an existing loan. 

The funds that I paid during the trial modification, {$2100.00}. should be applied to the final modification documentation. 

I also feel like Chase needs to include a 3 year home warranty ( the length of time it took for Chase to modify this loan ) if they are choosing to create a new loan instead of modifying an existing loan.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

To Occ : XX/XX/2016 On XX/XX/2016, I received my permanent 2mp modification papers to sign and have notarize and have mail back on XX/XX/2016 which I sign, notarize and XXXX on XX/XX/2016. On XX/XX/2016 I received another copy of the 2mp modification papers which was identical to XXXX copy, the only thing different was the date to return it which was XX/XX/2016. I called Chase XX/XX/2016 XXXX and spoke to XXXX XXXX about receiving the duplicate copies, she verified in the computer system she do show they received all copies and signed and notarized on XX/XX/2016. I told her I also spoke with my point of contact XXXX XXXX on XX/XX/2016 confirmed also of receiving all copies and he 's waiting on the Chase to sign the copies and mail back to me. He also advise me to make my payment of XXXX on XX/XX/2016, which I did. On XX/XX/2016 I received my signed copies by XXXX XXXX Vice President XX/XX/2016. 
On XX/XX/2016 I received a letter telling me they have not received my signed notarize copies and I need to have them signed and notarized by XX/XX/2016. I called the number on the letter which was XXXX x XXXX who I spoke to XXXX XXXX XXXX XX/XX/2016 XXXX. I explained my concern of the letter I received XXXX place me hold, came back and said in checking her system its stating they did n't receive the Dodd-Frank copy, I told her I had a witness of all copies of the 2mp modification papers signed, notarize and XXXX to them. She place me on hold again for about 10 minutes and came back telling me to call XXXX which is the 2mp department because they mailed the letter, she also said that office is close call back. Of course I know they are open until XXXX so I called and spoke with XXXX XXXX XX/XX/2016 XXXX pacific time. I explained to XXXX my concern whom was my original point of contact, he check his system and said he show they have recieved all copies sign and notarize including the Dodd-Frank copy and I am permanent modified. I ask why would your system keep sending me out duplicate copies on the same account when it has been completed, XXXX said they have been having logic system problem and he thought it was cleared up but he report it to his supervisor.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (MN)

I recently received a notice from Chase Bank informing me that the cash advance APR on my credit card would be raised from 19.24 % to 25.24 % on XXXX/XXXX/16. The notice stated that I could reject this change. I called the company to do so, and they informed me that if I rejected the change, it would automatically close my account. In essence, they told me that I had to accept these new terms, or my account would be closed.
Consumer complaint received 2022-09-03
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. (IL)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX/XXXX  XXXX Balance : - ; XXXX/XXXX  XXXX Balance : {$280.00} ; XXXX  XXXX  XXXX  ( Original Creditor XXXX XXXX  XXXX XXXX ) XXXX Balance : {$990.00} ; XXXX/XXXX  XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2022-11-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, with which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I need the accounts corrected as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (LA)

I woke up Sunday morning ( XXXX XXXX ) to find that my vehicle was missing. I immediately called the police and was told that it had been repossessed. I 'm in total disbelief because I 've paid my car note faithfully around the XXXX of every month. I 've been doing so since XXXX. My driving forth to continue paying my note in the amount of {$350.00} is my maturity date of XXXX. My email address and mailing address has not changed and I was n't notified of any discrepancies of my method and frequency of payments. My rent and utilities are due at the beginning of the month, which is why I ca n't make my on the XXXX, the due date, which is also why I make the payment around the XXXX. I have been totally inconvenienced, I have a young school aged child and I work. My phone number changed last month but I was n't in a hurry to update my information because they constantly called on the XXXX ( the due date ) and throughout the month until the payment posts, also because I 've made the proper payment every month. We have n't had a conversation in regards to changing the payment due date if my paying on the XXXX was an issue, so I 'm not sure what 's going on here. I 'm not going to express the importance of having a vehicle because I 'm sure you know this. I need my car back in the same condition it was picked up in, with all my valuables.
Consumer complaint received 2024-10-16
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MS)

On XX/XX/year> I paid a police dept with a money order purchase from a local XXXX, the dept submitted it to the bank, XXXX XXXX, which is who they do business with and the bank flagged my money order as fake. I was arrested. I retained a lawyer, eventually the charges were dropped by the arresting party and I looked into XXXX XXXX, they said it was labeled fictitious by Wells Fargo, which is the bank on the XXXX XXXX money order. Im not sure how or why theyd flag their own document as fictitious but after retaining my lawyer, my court day was XX/XX/year> and was changed because my lawyer had court their day on another case. In XXXX my lawyer told me charges were dropped. I just found out that my money order was processed on XX/XX/year>. I requested proof that it attempted to be processed on XX/XX/XXXX and XXXX XXXX Bank couldnt give me this. XXXX XXXX, XXXX Ones attorney says its XXXX XXXX fault that the money order was flagged fictitious. The money order was credible and Im requesting to know who is responsible for flagging it fraudulent.