davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NJ)

I retired from my job at the age XXXX where I had an HSA account. I was later contacted by Chase XXXX operations that I had to fill out a form to get my XXXX balance sent to me since I no longer worked at the company. Twice I called and twice I did not get the form, so I have yet to get my balance, approximately {$3000.00}. I am XXXX and on social security. I need these funds returned to me.
Consumer complaint received 2017-01-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (AR)

As I 'm reading the news on the complaints against Navient, I realize I 've seen the same practices being carried out by Chase Mortgage against me. I 've filed several complaints in the past about this issue with no results. I will not explain in detail again, but the CFPB needs to be aware that other companies are using the same practices to make money. There are so many aspects of the service I received from Chase that I feel, no, know, were deceitful and unethical. However, the one I cant let go of is this : after a failed modification ( one I should have never been applying for in the first place because I had a USDA backed loan that was ineligible, but Chase still recommended and claims it was lack of training loan specialists properly that caused the oversight ) I paid Chase a large amount of money to bring my mortgage current. Chased applied these funds differently than what they were intended for causing my mortgage to be late once again by two payments. This meant more late fees and credit hits. Chase has a policy that they can only receive payments on a mortgage that is less than two payments behind. Meaning, either I paid the entire amount of the sum of two missed payments, or none at all. I did n't owe two missed payments as I had already paid, but they " lost '' the money. I did n't have that amount of money again! I only wanted to pay my current amount owed! It took them over 2 months to correct this issue. I could not make a payment during this time. That 's 4 missed payments and 4 credit hits, on top of the ones I had already accrued due to the bogus modification. This has ruined me financially. Fortunately I was able to sell the house in 2016, but my family and I are stuck renting in a bad neighborhood because renting anything better requires good credit. I live in fear in my own home because of break-ins, vandalism, and strangers walking the streets. My children ca n't play outside. My car sustains damage from reckless drivers because I have no room in my driveway. All because Chase is allowed to behave in this manner without checks and balances for said behavior. Please read this. And please do n't request Chase to investigate themselves again. They find themselves not at fault ... of course. They need to be held accountable! Just XXXX my complaint. There are thousands of us with the same complaints!
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AZ)

In 2016 I received written correspondence from Navient indicating that my loans ( XXXX ) were eligible for re-organization and consolidation of terma ( or something to that regard ) that was going to lower may payment. Should be noted that i had not requested any such thing nor had i missed any payments in over 5 years at the current rate. When i called Navient to inquire on what was being changed it became clear that they were automatically going to reduce my payments by extending the loan amortization period an additional 10 years. I had to verbally elect out at that time. The automatic and misleading nature of the correspondence was extremely worrisome but thankfully I have the financial expierence to recognize this type of covert and dishonest buainess practices to increase the amount of funds I would have paid over the extended life of the loan.
Consumer complaint received 2016-07-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

Chase has been charging me {$34.00} nsf for every transaction i dont have funds for, even when i dont have overdraft protection, and on top of that, the transaction get returned and they charge me another {$34.00}. so they made {$68.00} total per transaction from me for doing nothing for me. they just started doing this this year. before when the transaction is returned, they refund the nsf {$34.00} but now instead, they charge another {$34.00}. Doesnt make sense to just start changing the agreement and rules. the fees has accumulated over couple of hundreds already and i dont have the money to pay their fees for what shouldnt even have been there since the transactions never went through. when i complain to the, they just said its because i dont have the funds. Ridiculous. Help me out!!
Consumer complaint received 2017-01-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

I represented the borrower, XXXX, in his foreclosure action, which has now been resolved through a permanent modification. Despite repeated requests to his mortgage servicer Chase and to their attorneys, I am still receiving his mortgage statements each month. This is problematic because XXXX needs to know how much his monthly payments are and what is going on with his account, and should not be stuck waiting for them for an extra week while the statement makes its way to my office first and then has to be resent to him at the property.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (CA)

I applied for a Chase Freedom Unlimited Credit Card in XXXX Online, I received and offer in my email stating that I would receive {$150.00} in bonus points once I had spent {$500.00} in my first 90 days and When I add a Authorized user and They use the card I would also receive {$25.00} in bonus reward points. I have been checking my account and waiting for these to be added, I looked at there fine print to see how long this takes and It said 6 -8 weeks after your first 90 days it would be added. Well I called Chase on XXXX 2016 I spoke to two different people XXXX and XXXX XXXX supervisors They told me I did not Qualify for the Bonus that their is no offer code! I proceeded to tell them that this is the Bonus offer I received in my email and this is the offer I am expecting to receive. I was then told had I called right at 90 days or with in the 90 day period they could add it and adjust it ... They also told me because I went to there website and applied I do not qualify It states the same offer on their website and this is the offer they made. Their offer in my email did not state i need to apply through the link only this is absurd the offer is all over the internet for the card I have and the card I applied for the The Chase Freedom Unlimited Card. I was told I applied for a different card not true its the same card they made the offer to me on and its the same card they offer the bonus rewards points on all over the internet this is highly fraudulent false advertising. I apply did everything this i was suppose to do I added the authorized user right away to get the bonus points. I had my husband use his card so i could earn the bonus points. Now they are refusing to reward me the {$150.00} in points and the {$25.00} in points. I want what I was offered when signed up for the card this is not right!!!
Consumer complaint received 2020-10-06
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. (TX)

To Whom in concern : A collection company ( XXXX XXXX ) has placed a collection item on my credit report ( Equifax ) for the amount of {$2300.00}. I have sent two ( 2 ) validation request to XXXX and they have not conducted a proper investigation. They provide a copy of a bill with no other supporting documentation. On my second validation request they provide a standard response with no additional information. In addition XXXX failed to conduct the investigation in the thirty ( 30 ) days. As proof I have provide all USPS certified letter tracking number with dates. The envelope with XXXX response is dated XX/XX/2020 which is over the 30 days required. They didn't provide a letter requesting an extension. In addition this account was not listed as disputed by consumer on my credit file within Equifax. 

This collection on my Equifax report has caused my family harm in we are unable to gain favorable credit interest rates. 

This item should be removed because it does not belong to me, and XXXX has failed to follow FCRA. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-08
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP (OK)

MAKE THIS CLEAR : THIS WAS NOT MY LOAN Continental Credit in XXXX, Oklahoma initially called me XXXX/XXXX/16 @ XXXX asking to speak to my ex-wife of 4 years. I explained that I did n't know where she was or how to get in touch with her and asked them to please remove my number. The lady was very nice and apologized and stated she would be sure and get my name off of her file. 
XXXX/XXXX/16 @ XXXX received another call from continental credit again asking to speak to my ex-wife. I told the same lady again that we had been divorced for 4 years and I did not know how to get in touch with her. I made it very clear that if my name was not removed I would be filing a complaint. Again, she apologized and stated she would get it removed. 
XXXX/XXXX/16 @ XXXX received another call from them, this time I was unable to answer and the lady left a message " XXXX you need to call me at XXXX today '' this call has led me to file a complaint. I can provide all phone records if necessary. My next step will be a law suit if the calls do not stop.
Consumer complaint received 2015-03-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

While focus may be on PayDay Loans and their exorbitant interest, there seems to be no attention being paid to bank overdraft fees. Chase, my current bank, charges {$34.00} per paid or returned item if I accidentally overdraw my account and will not extend me overdraft protection because of medical debt destroying my credit score. How is this any less usury than a PayDay Loan? Granted, they are fees and not interest but the difference seems subtle to me. Does it really cost {$34.00} to pay a {$5.00} check? 

My worst horror story was with XXXX XXXX in XXXX Illinois. They admitted they could see international wire funds pending for deposit to my account the instant they were released to from the foreign bank. They suggested it would take 14 days for the funds to clear the transferring bank and actually post to my account. They paid checks I wrote against uncollected funds but charged me a hefty fee the same as for overdrafts for each. This situation ultimately created an overdraft situation that just snowballed. I refused to pay the fees and their customer service response was to place me in the XXXX XXXX which is totally one-sided ( and deserves another complaint ). I lived without a checking account until I fell from the XXXX XXXX and never did pay them the manufactured fees!
Consumer complaint received 2015-06-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (PA)

Chase is reporting that I have balances owed on XXXX credit cards they issued XXXX 's on last year. I included those XXXX 's in my last year 's taxes, and they were paid. They should not report owed balances on debt they cancelled.
Consumer complaint received 2016-03-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

I have been a customer at Chase for years in good standing. The joint account owner on my checking account is my mother, who has been with Chase since they acquired Bank One. Due to my employment status and job change, there have been times at the end of the payment cycle where money was deposited but showing " pending. '' Other times money was put in there after XXXX EST, but still before the end of day, and subsequent fees have been charges. There are many examples I can show, where even though my account was overdrawn by {$1.00} on a pending transaction, they charged a fee for items that were " pending '' and changed to " posted. '' Since XXXX 2015 I have paid approximately $ XXXX in overdraft fees. I find this excessive and ask for leniency.
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2016, I went to a CHASE ATM located at XXXX XXXX XXXX XXXX, XXXX FL XXXX ( ATM Term ID XXXX. ) I went there to deposit {$1000.00} in cash in {$20.00} bills. The first {$600.00} went through perfectly, but for the remaining {$400.00} the ATM took in the cash and then displayed an error on the screen, telling me it was unable to put these {$400.00} into my account. It also said I should call a number to fix this problem, and indeed I called this Chase Customer Support number and spoke with a woman. This lady said that a temporary credit of {$400.00} would be applied to my account while the ATM error was looked into. Roughly two weeks later, I received a letter from CHASE stating that my claim was indeed true and the ATM had a problem as I said, and so the {$400.00} credit previously applied became permanent and I thought this was over with ( Claim ID : XXXX. ) Around 4-5 days later, I was notified that the {$400.00} had actually been taken away from my account and I was overdrafted, even though my claim had gone through and the money was meant to have been given back to me. I called customer service again and they said my previous claim had been denied by the bank ( even though I had received a letter stating the opposite from them before ), as they said the {$400.00} I previously failed to deposit on XX/XX/XXXX were never in the ATM to begin with. I am thus demanding an investigation of this issue, as someone clearly took those {$400.00} and I am being denied the {$400.00} credit of my account. The events I described as the truth and I testify that on XX/XX/2016 I deposited those {$400.00}, but it was the ATM that was at fault. I would want them to check the security footage or anything else at their disposal to prove that the ATM took my {$400.00}.
Consumer complaint received 2016-04-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Rubin & Rothman, LLC (NY)

Rubin & Rothman LLC ( R & R ) received default judgments on the basis of false and/or legally inadequate affidavits even though plaintiff and defendant agree to " reset payment date '' and not request default due to R & R online payment processing issues. The negative statement on my Credit report and misrepresentation by R & R attorney.
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lien Enforcement Inc (CA)

The company, Lien Enforcement , Inc - Wrote a letter, as I will attach, threatening for me to pay a fine of XXXX for a fine for a towing company for a car I DO NOT OWN ANY LONGER. We have already been to the XXXX and filed our release of liability, last XXXX 2015 -We have called to confirm, and XXXX also advises we are not the owner. The company threatens to report me to debt collection, and when calling to notify them that we are no longer the owner and that we can provide release of liability, they inform us " it will do us no good. '' They need to do their work, and notify the correct owner of car, as XXXX can confirm that information for them. They are a SCAM company, trying to bully other owners into paying money they do not owe.
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (GU)

XX/XX/2016 I applied for the XXXX Plus Credit Card by Chase shortly after received a letter asking to provide proof of physical address and DOB which I faxed over and a few week laters when I called got a confirmation that they received it on XXXX XXXX. By this a lady from the Credit Dept stated that I would be receiving a something in the mail. I asked if I was approved or not and she just replied you 'll get something in the mail. A week later no mail I called again and was told that I was mailed a letter to confirm my identity ( why could n't they tell me this the 1st time ). At this point the male mentioned that they will mail me another - I also asked to speak to a manager & was told that I will get a call back within 24-72 hours ... no call back ... a week later I called again which they put me on hold for over 50 mins ... I hanged up and called and was told a manager will call me back. 

It 's over 60 days from the day of my application over 45 days from the day they confirmed they received my pending requirements and still no word or nothing.
Consumer complaint received 2016-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (FL)

I signed up for email notifications with ACS. ACS agreed to provide me with email notifications when payments were due. ACS provided me a notification of a payment due on XXXX XXXX, 2015. From that point forward, I did not receive any notification from ACS of any payments due until approximately XXXX XXXX, 2015. On approximately XXXX XXXX, 2015, I received a phone call from ACS informing me that my account was severely past due. I asked how this could be, because I had not received any email notifications. I made a payment to bring my account current. Because I had not received any payment notifications from ACS in several months, it was my understanding either that my account was on auto-pay, or, that my account was otherwise in good standing. 

In my view, this constitutes a deceptive and unfair trade practice. It is deceptive for ACS to offer an " email notification '' option, wherein it represents that it will send a borrower email notifications when payments are due, and then not honor that representation. 

I understand how busy the CFPB is and I understand that you have many more compelling cases to consider. However, I believe that this merits investigation. To put it simply : A few months ago, I had a credit score of XXXX. I was going to buy my first house XX/XX/XXXX. I just pulled my credit report tonight and saw that, as a result of this ACS situation, my credit has collapsed to XXXX ( lower on certain reports ). This is devastating.
Consumer complaint received 2016-10-11
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (NY)

I went to the Chase branch at XXXX XXXX XXXX XXXX in XXXX and asked to sign up for a credit card. XXXX XXXX, the banker, takes me to the private banking section. He recommends strongly that I take the credit card with the highest interest payment. I look at my options, and take the one with the lowest interest payment. Then, I tell him that I make $ XXXX per year, he types it into the computer, and I get approved for a credit limit of just {$5000.00}. He tells me this right after we have a discussion about the {$40000.00} XXXX watch that I 'm wearing. 

I gave this exact same information to the Chase branch at XXXX XXXX XXXX, and I was given a credit limit of {$21000.00}. No paperwork required and no further questions asked. As a XXXX, I can only assume from my own experience that XXXX XXXX would have received some sort of benefit had I chosen the credit card with the higher interest payment. When I did not choose this card, he was insulted and gave me a much lower credit limit than I should have received. I find this incredibly inconvenient, insulting, and most likely illegal.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-10-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I made a purchase for furniture with XXXX XXXX, check # XXXX is with my checking account at Chase Bank account. The salesman ( XXXX XXXX ) used wife 's ( XXXX XXXX ) name on the check instead of the furniture store. Someone cashed the check and did not deliver the furniture. The furniture store is no longer in business, and we are having difficulty verifying who cashed the check. This constitutes fraud. I want a refund. Chase Bank refuses to provide the information about who cashed the check. After several months, they now say it was cashed at XXXX. Chase confirmed that they do not verify payees, and will clear a check with anyone 's signature even if it does not match the payee 's name on the check. I contacted XXXX, upon Chase Bank 's insistence. but XXXX is saying to contact Chase Bank. Neither wants to take responsibility for verifying the payee. XXXX refuses to give any information to me and says Chase Bank should contact them so both banks could resolve the issue. Chase Bank refuses to handle the matter.. Attached is a copy of the Chase check, and a copy of the audio recording made with XXXX who says Chase Bank must contact them. THIS COMPLAINT IS FOR XXXX PARTIES -- XXXX AND CHASE BANK.
Consumer complaint received 2015-08-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

To whom it may concern : You all have broken every rule in the book when it came to giving me a loan and now currently you all still do n't want to negotiate with me. 

You all have done the following:1. Improper approving my residential loan for gov't insurance and refinancing2. Fraudulently submitting loan data regarding my loan # XXXX to HUD-FHA that was false. 

3. Predatory lending by raising my rate over four points at the time of financing. 

4. This is direct mortgage discrimination. 

5. By breaking the Home Mortgage Disclosure Act6. By breaking my Civil Rights Act of XXXX. By XXXX