davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: BARCLAYS BANK DELAWARE (NM)

In XX/XX/XXXX my husband and I took on a line of XXXX XXXX via Barclay Card in order to buy a computer. The credit line was advertised as XXXX months, no interest. Two years later, in XXXX of this year I was blindsided by a {$630.00} interest charge on my account. I inquired with the creditor and this was their response : '' Our records show that you received an extended amount of time to pay off your XXXX purchase without receiving finance charges. Where the purchase was not paid in full by XX/XX/XXXX, finance charges were calculated from the original date of purchase and billed to your account in the amount of {$630.00}. 

" We would like to inform you that we placed numerous reminders on your monthly statements informing you that the expiration time is approaching and that you need to pay the purchase in full to avoid being assessed finance charges. We also send you a number of informational emails that would have provided you with additional information on how deferred financing works, as well as reminders, explaining that your purchase needs to be paid off by the expiration date provided on your monthly statements. " Though the company says I was sent " informational emails '' and " reminders '' I do not recall any of these. I had no clue a finance charge bomb was looming -- or that creditors were allowed to do such a thing. I was under the impression that this line of credit, although an albatross I could n't wait to pay off, was in good standing. Now my balance is over the approved line of credit and I owe more than I originally charged for the computer. I know this is no subprime loan, but it seems like these practices should be illegal. And of course, I know I 'm not the only XXXX who needed a computer and had no cash in hand.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE (CA)

On XXXX XXXX, 2016 I received an e-mail from XXXX XXXX with a promotion : Earn a {$100.00} Cash Back Bonus with the Upromise XXXX. 
I clicked on the link to that offer and I applied for this offer with Barclaycard on line. For some unknown reason I did not received an immediate approval. Instead I received a letter via XXXX Mail asking me to contact their customer service via telephone in order to verify my information. 
On XXXX XXXX, 2016 I did placed a call to the number listed on the letter : XXXX, and I spoke with XXXX, her operator no. is XXXX. I am a naturalized XXXX citizen of XXXX descent. I do speak with a clear accent. After I answered a number of questions about my identity correctly, XXXX told me that I will have to mail to XXXX a copy front and back of my Social security Card and my Driver License. 
I told XXXX that this is the first time that any back has requested for such information from me and asked her if this is customary for Barclaycard to request from all individuals who apply for a credit card. She told me that this information is requested of me, otherwise I will receive no credit card from Barclaycard. I asked XXXX once again if she requested this exact information to be provided via XXXX Mail from all the individuals who apply for any of their credit cards. She refused to answer that question. I then asked her if my foreigner accent had anything to do with her request to provide Barclaycard with copies of my social security card and driver license. She refused to answer. I then informed her that I feel discriminated against because of my national origin, and that I want to speak with her supervisor. She told me that her supervisor will tell me the same exact thing and I could just chose not to send the information to them and no credit card will be issued to me. I once again insisted that she transfers me over to her supervisor which she finally did. 
The supervisor came on the line after many minutes of waiting. His name was XXXX XXXX and his operator number is XXXX. I told XXXX that I want to lodge a discrimination complaint against his company and the operator I just spoke to due to the fact that I have been singled out to provide additional proof of identity because I speak with a foreigner accent. XXXX denied of that taking place. I asked him also if it is customary for all the individuals who apply on line with Barclaycard to later on send by XXXX Mail copies of the social security card and driver license. he told me " no ''. 
This proves that I have been discriminated against based upon my national origin by the creditcard company. I have excellent credit history, my last credit score was XXXX and I have never been treated so badly by any other bank or credit card company before.
Consumer complaint received 2017-01-29
Product: Credit card — 
Issue: Credit determination — 
Company: SYNCHRONY FINANCIAL (CA)

I have applied for a few Synchrony Financial credit cards and recently they froze all of my credit cards. I received a letter asking me to allow access to my IRS Tax return. They requeted that i allow access to a 3rd party, not to Synchrony. I do not feel comfortable releasing such private information to a 3rd party. I have done nothing to require this type of treatment. I have NEVER made a late payment on any of my Synchrony managed credit cards. I consistently pay my account in full before the due date. 

It is very unfair for Synchrony to approve me for credit and then freeze my cards with no valid reason. I was recently singing the praises of Synchrony and how they have become my favorite and most reliable credit card issuer. Then 2 days later they froze my accounts. XXXX of the cards have not even been open for 10 days and are already appearing on my credit reports. If i do not comply with their demand for access to my tax returns i reisk them shutting down my acct which will have a detrimental effect on my credit report. They should have done any necessary verification before reporting the accts. My history of paying in full shows that i am not a credit risk to them.
Consumer complaint received 2015-08-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (CA)

XX/XX/XXXX I submitted a letter to XXXX XXXX to cancel my alarm service. Shortly thereafter my account with XXXX was turned over to Credit management , LP for collection. 
XX/XX/XXXX I submitted a letter to Credit Management , LP disputing the collections due to the fact that XXXX did not disclose that the contract was automatically extended when I moved the service from one residence to another residence. 
I received a statement XXXX dated XX/XX/XXXX which reflected my account was at a zero balance. 
I recently discovered that Credit Management , LP collections had not been removed from my credit report. 
XX/XX/XXXX I sent another letter with supporting documentation requesting that the collection status be removed from my credit report. 
XX/XX/XXXX I received a call from XXXX a representative XXXX who confirmed that I did not owe {$310.00} that 's in collections. 
XX/XX/XXXX I spoke with XXXX XXXX at Credit Management and explained that I had confirmation in writing that the collections was not owed. XXXX insisted that the amount was still owing. I requested that the collection be removed from my credit report, and she stated that they could not remove it and that I would have to go back to XXXX and request they contact Credit Management to remove the collections. 
So I call XXXX and spoke with XXXX in the Executive Reponse Team explain to him that I had spoken with XXXX at XXXX and then with XXXX at Credit management. XXXX confirms that I do not owe the {$310.00} that is in collections. He also states that XXXX has not done business with Credit Management in years. XXXX requested that I send him a copy of my credit report so he can confirm the collections is on behalf of XXXX. 
I pulled a credit report from XXXX XXXX and faxed to him with a letter dated XX/XX/XXXX and a copy of the credit report that reflected the collections. 
The credit report page I sent was page 11 out of 13 pages. Credit Management is clearly listed on the report and remarks noted on the credit report states that dispute is resolved, customer disagrees. 

When I last spoke with XXXX in XXXX, he had contacted me via phone and requested that I send him the complete credit report. I refused to do so, because I felt the information that I had sent him previously was sufficient enough. Besides, my credit report I feel is sensitive information. 
At this time, I have been getting the run around from both XXXX and Credit Management, in regards to this matter.
Consumer complaint received 2015-07-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OH)

Chase is really dragging out making a decision on my short sale application. They have made me submit the same information multiple times, and continue to stall without closure. 
I made application for a short sale with Chase XX/XX/XXXX. This is for my propoerty on XXXX ( Loan # XXXX ). This loan is the XXXX mortgage on this home where I owe about {$8500.00}. The XXXX Mortgage is with XXXX XXXX where I owe about {$38000.00}. XXXX XXXX granted me the short sale and lowered the accepted price to {$12000.00}. The home is for sale where I recently received an offer to purchase the home. I am writing this complaint, because I have attempted to get Chase to respond to my short sale application. The realtor ( XXXX XXXX XXXX ) has made provided Chase the offer information and they still will not respond. I have complied with everything Chase has asked me to do including submitting the same information XXXX different times since XX/XX/XXXX. Based on XXXX XXXX 's action on lowering the price, I would expect Chase to do something simular. I would think XXXX-XXXX would be acceptable to settle the loan with Chase. I have had a buyer for this property since XX/XX/XXXX, but I cant close the deal because chase will not answer the short sale. Recently I have been working with ( XXXX XXXX ext. XXXX ) Chase, but all they tell me is " it is with the negotiator ''.
Consumer complaint received 2020-10-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY (NJ)

I have been making on-time payments on this line of credit until furloughed from my job in XXXX due to COVID-19. I informed Wells Fargo of this fact. They put me an a covid relief plan but did not stop charging me interest. But they also closed my account. 

I received a response dated XX/XX/2020 informing me that they will extend my covid disaster payment relief only until XX/XX/2020 as well as waiving the interest fees previously levied. However, I now see an interest charge of {$67.00} posted on XX/XX/2020. 

I am still unemployed as my furlough has been extended to end of 2020 and have no ability to continue to make payments from XXXX especially with interest charges. I would not want to default on this account. 

I would that Wells Fargo suspend interest charges and payments on this account till the end of 2020. Alternatively, I can make a lump sum payment of {$1000.00} in consideration of full payment on the account. The account balance is {$2600.00}. 

I do want to do the responsible thing and pay off this account, but I need Wells Fargo to do the right thing as well. Considering the extraordinary circumstances. I would think that given all the issues Wells Fargo has had with unethical practices towards consumers you should take an extra effort to act in an ethical manner.
Consumer complaint received 2016-07-16
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (WA)

I am XXXX XXXX military currently XXXX. I XXXX in XXXX and as of XXXX am still XXXX. In XXXX Chase says they sent a letter saying I needed to contact them or they would close the account for non-use. In XXXX, they closed the account. I only discovered this when my credit monitoring service notified me that a change had happened to my credit profile. I tried contacting Chase and explaining that I was on military XXXX and did not receive the letter nor have any opportunity to respond to it in the time allotted and requested that the account be reinstated but they refused to discuss the account with me and continued to put me on hold, presumably to transfer me to somebody who could help, and then disconnect the call. I have been a customer with Chase for more than 10 years and have never missed a single payment. I also have XXXX other credit cards with Chase as well as a home mortgage. I have never had a late or missed payment, and my credit report has a perfect history, so there is no valid reason why they closed my account. Any lack of use recently has only been due to frequent XXXX. I even asked specifically to speak to the " Military '' department of Chase, who is supposed to specialize in helping service members, and I was gain put on hold and then disconnected, never being permitted to speak to anybody.
Consumer complaint received 2016-06-21
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (CT)

To Whom It May Concern, My name is XXXX XXXX. I have Chase Freedom credit card from Chase Bank. The Chase Freedom credit card comes with a card holder benefit that you can earn 5 % cashback bonus on certain spending categories each month offered by the Chase Bank. 
I have signed up the 5 % cashback bonus program for XX/XX/XXXX that includes spending at Supermarkets XX/XX/XXXX. I have XXXX Chase Freedom credit cards and I have always signed them up at the same time. 
Under the impression that I am eligible to earn 5 % cash back on spending at the Supermarkets, I have used one of Chase Freedom credit card for all my spending at all Supermarkets that I shop for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I did not see any cash back bonus earned on my credit card statement for these months. I finically made a phone call to Chase Bank questioning about my eligible 5 % cash back bonus, and to my shook they told me the only credit card that I signed up for the second quarter cash back bonus program is the one that I did not use at the Supermarkets and the credit card that I did use at the Supermarkets was never signed up for the program at all! 
What more troubling to me is this is not the first time that had happened with my Chase Freedom credit card that they claim I did not sign up the cash back bonus program and all my eligible spending were excluded from it. Chase Bank used to send out a confirmation email to the customer when they sign up for the quarterly cash back bonus program, but they have stopped doing that for the past few years. The only way consumer can verify their sign up status is view through Chase account online. 
I am like most of consumers do not do a screen print when you signed up the cash back bonus program, and that is where I believe the Chase bank had engaged in targeting certain high spending consumers who signed up the program, but do not provide them with any confirmation then later remove them from the program to eliminate their eligible cash back bonus and to boost the bank profits at same time. 
I believe I am not the only victim that had fall into their traps, and it has become a new tactic for Chase Bank to boost their profits by cheating on consumers like me. I believe Chase Bank 's actions have constituted a fraud and it worth further investigations by the Federal Government. 
Sincerely XXXX XXXX
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (SC)

Second instance. 
I paid my mortgage electronically last night and checked my bank today and it had not been processed. I went to Chase.com today and it showed that the payment had not been made. I was in the process of paying again when I saw a button to review transactions. On this page my payment showed. The last time this happened I ended up paying my mortgage twice and several checks bounced as a result.
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (TN)

Got my initial mortgage refinanced in XX/XX/XXXX. 
Mortgage company wo n't allow auto XXXX payment without going through a third-party vendor. However, the third party vendor providing the service is not free. 
Though XXXX owns my loan as of XX/XX/XXXX.
Consumer complaint received 2015-07-26
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: USA Cash Services Management, Inc. (NV)

My bank said I had Id theft so my payday loan fee was returned in XXXX, happened again in XXXX. The loan company said they would put me on a repayment plan starting XXXX XXXX 2015 I said ok. on XXXX XXXX 2015 Usacashservices.com took XXXX dollars out of my checking account causing other items to bounce. I called them to ask why when the payment was to be on payment plan XXXX monthly ( XXXX way too high still XXXX they told me just to take out another loan. I do not have computer at home so I had to walk over a mile in XXXX de heat XXXX. I panic so I applied like a dummy. now I am back into oweing interest I can not afford since it will take months to recover from money lost from id theft. is there a way to make them let me make payment. what they would loan me was less than what was needed to pay the bills and the fees the bank charged me so it was very little help and left me another XXXX in debt. with them your loan does not go bad until you miss 2 payments so you owe 2 fees of XXXX plus 2 months interest. so basically double of what you borrowed. they knew a month before I was fighting the bank. the only way out is to freeze their interest I just keep owing them more than I can pay. 
I owed them almost XXXX a sec after getting loan of XXXX so they were just ripping me off. I XXXX walking to use a computer for them and have not been able to walk to a computer since then.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (NC)

I had a temporary account with Chase Bank ( set up in order to receive a payment from another Chase customer ). In XXXX of 2016 I received a letter saying that a credit card application in my name was submitted on XXXX XXXX and denied because it was a duplicate application. I never applied for this credit card. When I called Chase Bank to sort it out, I found out that there was an application submitted on XXXX XXXX as well, and that was accepted. Again, I never applied for this. I spoke with a cust. rep and cancelled the card. And told him this was fraud. They said there would be a private investigator who would contact me, and to this day, they have n't. The cancelled card ( which was apparently already in the mail ) came to my address. I am beginning to think that CHASE bank used my information that was in their system to fraudulently open a credit card. I have n't had any other instances of a stolen identity or odd things reported on my credit score or in any of my other accounts since that incident.
Consumer complaint received 2015-12-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OH)

I tried to open a checking account. They said i was red flagged i couldnt. I was told to talk to the XXXX when i contacted management. I got the report and they had never even checked that sysrem. Then i got a letter in the mail that they had run my credit score. I did not apply for credit nor agree to allow them to run my credit score. They them denied me a checking account even though i have never had a problem with abank account. This was at jp morgan chase
Consumer complaint received 2016-06-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I was using overdrawn my bank account and did n't had a change to pay and cover is up. Because i was on vacation, wen I return and try ti make the payment my bank is being report to early warning are ready so I ca n't open any bank. So i wan to get removed from early warning so i can open a bank again. I need a bank so my parents can able to send me money to used it and able to make payment plus to rent a place to stay.
Consumer complaint received 2017-01-27
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (IL)

I recently received a mailer from Chase Bank XXXX XXXX XXXX asking me to apply for a XXXX XXXX XXXX card. After applying online I was rejected by Chase bank for having opened XXXX accounts in the past two years. I not only spoke to an agent on the phone but I went into a branch to ask if there was anything I could do to appeal the application and was told there is n't. They flat out claimed that Chase bank has a XXXX cards in 2 years policy to prevent " churning '' of credit cards. However, their policy does not take into account account closures, which is an easily verifiable and required part of " churning '' Other than student loans I have had only XXXX credit card closed in the past 5 years, and it was closed by the issuing bank for inactivity, it had been open for over 5 years. 

Chase bank not only placed another hard pull against my credit, they denied me for a card I was directly mailed an offer for due to an arbitrary rule put in place by them with no consideration of my credit score or credit usage.
Consumer complaint received 2016-10-08
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (TX)

I requested a mortgage payoff from Chase bank for my FHA loan. I will pay of the mortgage this month and I am being charged PMI fees of {$240.00} for mortgage insurance for the month of XXXX and XXXX when the loan is being paid off in XXXX.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (GA)

I have been experiencing issues with my chase freedom credit card # XXXX autopay. For the month of XXXX there was no debit from my account then for XXXX the entire balance was debited from my account instead of the minimum payment. This made my bank account negative, I immediately went to my bank, the error was notated to my account, and I was encouraged to contact Chase which I did. Chase customer service arranged a XXXX way call with my bank, at which time they initiated a transaction to return all funds to my account with the exception of the minimum payment. I had no further contact from Chase, while completing a mortgage application on XXXX/XXXX/2016 I became aware my Chase account is reporting late and over the limit greater than {$1000.00}. I am devastated and this alone prevented me from making an offer. I since made a payment bringing the card under the limit but attempts to resolve this with Chase have been futile, meanwhile my credit score has dropped XXXX points.
Consumer complaint received 2016-06-17
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (IL)

I have been banking with Chase for almost ten years. I always use their checking account as my primary account. I never pay the bill late and keep a great credit score. However, about 4 years ago, all my credit card accounts with Chase got cancelled without any reason. In the past four year, my credit application with Chase always got rejected. I really want to fix the relationship with credit card department with Chase.