davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (AR)

In XXXX XXXX we paid our motorcycle and truck insurance to XXXX using our BP XXXX Credit Card. This card was closed in XXXX XXXX because XXXX was selling it 's BP cards to Synchrony on XXXX XXXX, XXXX. We moved from XXXX to XXXX in XXXX XXXX and cancelled our XXXX insurance coverage. These refunds were sent back on our closed BP Card. WE HAVE NOT RECEIVED THESE REFUNDS AS OF YET. I have been in contact with XXXX and XXXX several times since then to find out what happened to our refunds. XXXX has maintained from the beginning that they sent the funds on XXXX XXXX, XXXX and have not received them back. Before they can reissue us a refund in check form they need a proof of returned disbursement along with a reference number. XXXX has provided me with documentation proving that the transactions have been sent and confirmed by the bank. XXXX has stated several different things. First that Synchrony would have the funds. A XXXX representative and myself have checked several times with Synchrony and we do not exist in their records. The above stated account was closed prior to the migration so they would not have any information on us. Plus, all that XXXX had was our old account information, nothing for Synchrony ( routing number, etc. ). I have been told by XXXX that they returned the refunds to XXXX but they can not prove it. They know this because this is what always is done to transactions for closed accounts. I have also been told that my account has been purged and that they do not have any records of this account anymore. As of now, XXXX has provided documentation that the refunds have been sent and that they have not been returned to them by XXXX. XXXX has stated that they can not find these refunds and to have XXXX refund us.
Consumer complaint received 2016-07-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (UT)

Chase amazon offered a promo of spend {$150.00} on prime day ( XXXX/XXXX/16 ) and get {$30.00} off your purchase. When i went to checkout the promo code ( XXXX ) indicated the code had expired. I contacted chase and they indicated that amazon had given them notice that they have done enough promotions for the day and would not be doing any more. They indicated this was listed in the terms and conditions as " while supplies last. '' I indicated this is extremely deceptive as while supplies last indicates goods or services and not a count of promotions that would be offered. They would not honor the promotion and I was not able to make the purchase in time due to the code being expired.
Consumer complaint received 2017-01-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (TN)

chase bank fraudulently opened thousands of amazon consumer credit cards in response to a {$50.00} promotion that amazon ran in XXXX of 2016. The {$50.00} was paid to anyone requesting an amazon credit card, whether or not credit was approved or denied. a credit card was fraudulently opened in my name, even though the address provided was XXXX i had not lived at for 11 years. chase was negligent in not checking obvious errors in my application as well as errors in thousands of other consumer applications for credit for amazon credit cards in response to this promotion. i would like the XXXX to open a class action suit against chase. at minimum chase should provide free credit checks with all XXXX credit bureaus for two years for all consumers who were harmed in order that they can monitor the ongoing fraud. i also believe they should pay compensation for the damage resulting to consumers credit due to their errors and omissions that allowed this fraud to take place. i contacted the FTC who suggested i file a formal complaint with your organization.
Consumer complaint received 2015-09-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

I had a business savings account with chase in addition to my primary account, so if any money comes in that can not cover on my main account it would automatically withdraw it from the savings account. Chase has closed that account and never made me aware. I have been getting abused with fees from them that is excessive. I have been talking with the branch vice president XXXX XXXX at chase and he has been really rude and unprofessional and unwilling to help me. I am really getting ripped off by Chase Bank.
Consumer complaint received 2015-12-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

My chase saphire card has been compromised and there is delay in receiving the card when I inquired about them they put me through secuirty team after a wait of 60 mins and spoke to a security team manager named XXXX ''. I complained to him that his previous agent did n't handle the call well and I was wondering about the new card but he does n't seems to be caring about my complaint and did n't offer any good will gesture. My card arrived next day and I could n't activate the card when I called them again they put to the security team again after 30 mins wait time. Unfortunately I again need to speak with XXXX '' and said that my card got compromised again which is unbelievable. When I pressed for more answers I did n't get any convincing answers. Could somebody investigate why my account got compromised twice and second time I did n't even got my card. 

I almost wasted 3 to 4 hours on phone to deal with this issue. It should have just 5 to 10 mins I need some compensation for my time.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

We requested a mortgage through Chase Bank. We received full qualification for the loan amount., however the appraiser did n't take appropriate time to appraise our home. He estimated below value using distressed properties and not correct counting bedrooms and baths. We appealed the appraisal, chase sent the same appraiser out again and he modified the appraisal with the correct bedrooms and bathrooms, but fraudulently concealed information that show one of the comparables was distressed. When brought to Chase Bank 's attention again on a second appeal they dismissed the evidence.
Consumer complaint received 2015-08-17
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (NV)

I have lived in my house sine 1976. I owe less than {$5000.00}, ( my house is worth more than {$100.00} ) how ever CHASE BANK has refused to give me a home equity loan for XXXX for a new roof. I make my payments on time now that I am receiving compensation from the VA, plus my social security. My payments are XXXX per month. The XXXX is here and I have to put buckets around my house everytime it rains even a little bit. I am afraid for my wife or myself and we will have a catastrophic fall. we are both over XXXX years of age. A fall would ruin our " GOLDEN YEARS ". please help us
Consumer complaint received 2016-12-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (SC)

XXXX has received assignment of the note while it was in default. This makes them a third party debt collector. XXXX used XXXX management to service the Loan. I informed them of my rights and protection under the Fair debt collection Practices act by certified mail. XXXX continued to try to collect on this note even though they were sent notices to cease and desist. XXXX has filed action in court to foreclose on XX/XX/XXXX. I have no lawful binding contract with XXXX. The loan was in default on XX/XX/XXXX, XXXX was assigned the note on XX/XX/XXXX. I have sent notices to the previous servicer XXXX and they stop their attempts and sold the debt to XXXX.
Consumer complaint received 2015-04-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

I have a Home Equity Line of Credit ( HELOC ) with Chase Home Finance ( Chase ). The line of credit was frozen shortly after it was opened. According to Chase, the reason the HELOC was frozen was due to a diminution in value of the home securing the HELOC. 

In or about XXXX, 2014, I received a check in the mail for {$65.00} from Chase. I was instantly suspicions as Banks do not generally send unsolicited check to consumers. The Cover letter accompanying the check explained that " During a recent review, we found that you are due compensation for valuation fees on your home equity account. We apologize and have enclosed a check for {$65.00} as compensation. " As I was suspicious, I called Chase to confirm the legitimacy of the check and to find out what it was for. I was XXXX told to write to chase with my request, which I did. I have spoken with Chase numerous times since then and still no one has explained to me what that compensation is for except to say that I was charged a fee that I should not have been charges and this was a refund. 
The problem with this explanation is that it does not fully compensate me. This account accrues interest, if I was overcharged for a fee ( an unexplained fee ), my regular monthly payments were not paying off principal and this reducing interest at the rate had the error not have happened. So, {$65.00} is insufficient compensation.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (GA)

earlier this month my debit card was stolen and somehow my entire bank account gets depleted right after recieving my check. I spoke to the bank on the phone and they told me they would be refunding my money back to my account. Well here comes the end of the month and Chase reverses there refund. So im back to negative in my bank. Im not sure why they would reverese the claik after telling me that everything would be alright. Late payments means im behind my rent and i need the matter resolved. I never claimed that i made those charges like chase claims i did. Thank you.
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (SC)

I graduated with a   XXXX   XXXX   XXXX  in  XXXX   XXXX . Once my  Discover undergraduate loa n went into repayment I quickly fell behind due to the amount of the payment and others I must make on a monthly basis. My mother is the cosigner on this loan, but she is  XXXX  and on a limited, fixed income. She has been harassed and threatened by calls from  Discover dem anding payments of {$1000.00} to {$3000.00} on the spot or her " credit would be ruined for the rest of her life. '' In  XXXX , we were told if we made three consecutive payments of at least {$900.00} they would work with me to lower my monthly payments. When I called after having completed these payme nts ( made with the help of my mother despite neither of us being able to afford it ) I  was told they never promised such a thing. I once again fell behind and began to receive calls multiple times a day while I was working, often from local area codes to encourage me to answer. Each time the amount they asked for included what was currently due, but also what was due for the next payment even if it was a month away. In early  XXXX , my mother used an open end loan and low interest rate credit card in her name to help me catch up.  Discover  received {$3400.00} in  XXXX   XXXX . I called to discuss the options for lowering the monthly payment and was told there were none. The conversation with the " repayment assistance department '' included phrases such as the following after I described my financial situation such as how much I make and amounts/numbers of other financial obligations : " in order for the loan amount to be paid off in 15 years, a monthly payment of {$900.00} is required. You do n't think you 'll ever make enough to pay that? That 's what your loan balance requires. We only offer temporary solutions. But afte r the 3-6 months the payment will be even higher. '' I offered a monthly payment of {$500.00} which is still more than I can comfortably afford, but the woman would not hear it. I am doing every thing in my power to avoid going into default and further ruining my credit, but Discover has told me a number of falsehoods and offered empty promises.
Consumer complaint received 2016-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (IL)

I have a XXXX loan I took to help my son finish college at XXXX in 2012. The loan is serviced by Navient. I have repeatedly contacted Navient this summer to request a letter disclosing the loan principal amount and the total interest to be paid over the life of the loan ( assuming it is paid in accordance with its terms ). This is for a court proceeding. To date, Navient somehow can NOT figure out how to get this info to me, though I have spent many work hours ( when I should be working at my job ) trying to explain this to them. They keep sending me a letter that summarizes the interest paid to date and the remaining principal. I have received XXXX of these letters, but not what I am looking for. Even as I write this, I am sitting on hold waiting for the Navient supervisor to come to the phone to tell me ( AGAIN ) that they will produce such a letter. But they do n't seem to understand what I am requesting, and they definitely do n't seem to have a program or any other capability for producing such a letter. Does n't federal law require this? I thought XXXX XXXX loans were subject to Regulation Z or similar disclosure requirements. Can you please look into this? I am getting nowhere, and I have a court proceeding for which I need to produce this info. Thank you.
Consumer complaint received 2015-12-27
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (WA)

For the second time now, I have been denied a Chase Freedom credit union. I have excellent credit and no delinquencies. There is no valid reason for Chase to continue denying me a Chase Freedom card. I complained to the corporate office, and the excuse they 're using this time is that I have opened too many credit cards in the past 24 months. I then asked them what is the time frame for them to stop claiming I 've opened too many credit cards, and then they changed their story completely. They then claimed that my income is too low, which makes no sense whatsoever, as again, I have excellent credit and no delinquencies. Therefore, they are discriminating against my economic " class, '' as well as age, and XXXX. As long as I have excellent credit and no delinquencies, there is no valid, legal reason for Chase to continue to deny me a Chase Freedom card, especially as I have other Chase credit cards. This is a clear-cut act of discrimination, for if my income were the case, then Chase would have to cancel credit cards for all credit card holders whose incomes dropped, which includes retirees, the XXXX, and the unemployed. Therefore, it is appropriate for CFPB to hold Chase accountable for denying me, an aging, XXXX citizen with excellent credit and no delinquencies, a Chase Freedom card. ( And in the past, after filing CFPB complaints, CFPB has done nothing more than " shuffle papers, '' i.e., send me the bank 's response, regardless of what it is, then close the case, rather than hold the bank accountable. Also, in the past, after logging in to CFPB, I have been unable to access any documents, and this was never appropriately addressed or corrected. Therefore, please escalate this matter to the Director 's office. )
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MN)

We have our mortgage through Chase. We also have it paid by automatic deposit from our bank, XXXX XXXX. We received a late payment notice. When I called to ask what this was all about, they said that they paid our taxes because my county called them and said that we did n't pay our taxes. I had paid our taxes. When I called the county, they checked and confirmed that my check never made it to their office. BUT ... they also said that they NEVER call mortgage companies regarding a month or two late payment. They do n't consider it delinquent until 5 years have passed. So, unbeknownst to us, Chase lied to us and said that they were asked to pay our taxes which put us into escrow. We never received a letter from Chase or a phone call with information that we had been escrowed. When speaking with a representative she apologized for not informing us. So, the dollar amount being paid automatically was not enough to cover the mortgage plus the escrow, making us appear to have late payments. I, not even knowing what an escrow is at the time, had a million questions. This representative said that if we paid our escrow in full, it would get rid of it and basically back to normal again. We waited for our tax statement to come in the mail and when it did n't I called the county. They said it was still in escrow with Chase. We had no idea what was going on. For 6 years this has been going on! We have paid our escrow off 2 or 3 times and are still being escrowed. We just received an explanation on Friday that even though you pay off your escrow, you are still in escrow? I have talked to more representatives than I can count receiving different information each time. I have been given wrong numbers to call, out of service numbers to call, etc ... when we explained our dilemma with a representative explaining to him that this needs to be cleared up, he encouraged us to refinance and that Chase will understand our history and see us as delinquent. We did just that and received a letter that our credit was not good with Chase and that we can not refinance. We are desperate to have this resolved. I have contacted the Minnesota Attorney General 's Office as well as the Office of the Comptroller of the Currency. We are paying an astronomical interest rate and have been for 6 years. Thank you so much for your time. There are so many more details to this situation but not enough room to share it all. Chase has never cared whether or not we understand what is going on. My questions are never fully answered and I literally have not spoken with the same representative twice, which involves repeating my 6 year long story to each and every one of them only to be told how much we owe. No one is taking responsibility for the XXXX up, we just keep getting deeper and deeper in the hole. I really hope you can help us. Thank You!
Consumer complaint received 2017-02-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IL)

We applied for a new home equity loan through XXXX bank. Their property report showed a lien of {$160000.00}. The lean was from XXXX XXXX in 1994. XXXX XXXX was acquired by Chase bank. We have paid off our mortgage but the property report still shows a lean from 1994.This is preventing us from getting the loan even though we have an excellent credit score XXXX Please see attached property report.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (CA)

This is a direct complaint about the Chase Mortgage team in XXXX XXXX XXXX, XXXX California, led by XXXX XXXX. Loan Officer : XXXX XXXX Chase failed to properly qualify my buyers who initially applied through the VA Mortgage program. More than halfway through the loan application process, the underwriters decided to reject the loan ( allegedly due to regulation changes by the VA ) while we were a couple weeks away from the close of escrow. Buyers had to re-apply for a conventional loan and redo another appraisal on the property. Delays after delays with no updates to the buyer 's agent and not returning calls / text / email from my listing agent. Took me to reach out XXXX to get some updates on the progress of the loan. Furthermore, the underwriters have been dragging their feet on the approvals and nobody has been communicative or transparent about status, despite stating that the loan is marked for " rush ''. It 's unheard of for a government agency to not grandfather in loans that are in progress when there are regulatory changes. Seems very much like Chase is trying to cover their tracks with this error. Their lack of transparency to the issue and timelines have made this experience terribly difficult for all parties involved. This is unacceptable on all levels.
Consumer complaint received 2015-08-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (OH)

Bought XXXX XXXX XXXX XXXX XXXX-Chase Auto loan approved. Set up " bank auto pay '' w/Chase personal banker from my personal check acct.Then -traded in car for XXXX XXXX pickup XX/XX/XXXX.Called Chase personal banker to stop program XX/XX/XXXX - yet, Chase did n't receive dealership payoff until XX/XX/XXXX. Chase took additional payment ( {$350.00} ) from my personal ck acct on XX/XX/XXXX. 
In meantime - I had paid XXXX credit card monthly payments + XXXX XXXX ( new vehicle plates ) + XXXX ( prescription co-pay ) + grocery store + vehicle gas = total XXXX charges on my bank account= total {$330.00}. I left on veterans ' related business to XXXX ; before I realized Chase Auto Dept " ERROR '' - all XXXX charges I made were returned - NSF as Chase direct payment was processed prior to my XXXX legitimate charges. 
Through multiple phone calls, bank visits - finally Chase returned 'most ' of excess payment - yet it took couple weeks as funds were removed 'electronic ' and returned ' paper check via USPS [ {$350.00} removed & {$340.00} returned ]. After weeks of multiple phone calls later - Chase did cover portion of my bank NSF fees [ XXXX x {$32.00} = {$320.00} ] Chase covered {$190.00} on later draft sent USPS. They closed the case without finish covering balance of charges incurred by their " bank error ''. Most all credit card companies also charged " past due fees '' & " over-limit fees '' that compounded the snow-ball effect - when my payment to them were declined due to funds taken be Chase Auto. XXXX XXXX turned their NSF over to XXXX-Atty general office - collections dept with additional penalty. I yet to address XXXX NSF payment w/fees incurred. 
The last I talked to personnel @ Chase - office of the president - I was advised to " try to seek donation for our XXXX non profit veterans assistance " VETERANS FIRST ''. 
Efforts to contact proper department made with no success of Chase XXXX. 
Meanwhile - my credit reporting agencies have received notification ( s ) from my credit card creditors of NSF & past due. This lowered my XXXX scores from XXXX range to below XXXX made attempts to recover from Chase Bank Auto Division `` ERROR '' - yet, the resulting actions created problem that has gotten worse with the XXXX reporting agencies - XXXX +XXXX + XXXX XXXX XXXX Therefore - actions of Chase has caused great financial hardship compounded by emotional stress. 
I look toward CFPB for assistance - thank you for your consideration.
Consumer complaint received 2015-05-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (UT)

JP Morgan Chase bank reordered my transactions to come out from largest to smallest to increase my overdraft charges from XXXX to several. After talking to my bank about it I was informed by them that there were no corrective actions that they could take on the matter. I believe this practice to be unnecessarily financially detrimental and did read several articles about how the CFPB was looking into this practice and wanted to know if anything can be done about it.