davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MA)

Back in XXXX I applied for a mortgage we set a closing date for XXXX XXXX 2016. 
Forty minutes before closing I received a call from Chase home lending telling me I had to come up with additional {$1000.00}. In addition I found other discrepancies on the closing documents that the lawyer had with her. The original agreement was that they were supposed to transfer the escrow account to the new loan. On the closing papers it stated they were using it to pay down the mortgage balance. The commitment letter stated that I had to bring {$220.00} to the closing. There were numerous discrepancies and I had the attorney, XXXX XXXX call them. We could not close. On the same date XXXX/XXXX/16 I spoke with chase home lending and I was told they would try to credit me {$1000.00} for the mistakes. I requested a new commitment letter stating the new figures I never got XXXX. I got a phone call from the lawyers office on XXXX/XXXX/16 that we have a new closing date for XXXX/XXXX/16. I still had no documentation or commitment letter. How could I close? And without any knowledge that I was closing on that date. This is not the correct way to conduct business. I called back on XXXX/XXXX/16 to request my {$500.00} deposit to be refunded. They refused. I feel like I have been misled and this is not my fault. I should be refunded my {$500.00} Thank you
Consumer complaint received 2015-11-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

i currently have a mortgage with Chase. I began a mortgage modification process in XXXX 2015 in hopes of reducing my payment as well as removing my former spouses name from the loan. I produced a quit claim deed that was filed with my XXXX courthouse, as well as legal divorce papers, tax records etc. Chase has claimed repeatedly that they didnt receive the documents and ive sent duplicates XXXX+ times at this point. The customer service reps are completely incompetent and very very rude. They have accused me of dishonesty claiming I did not send documents when I have done so over and over. I am no further in the modification process at this point then when I began. They also state that I own a business and have a pension, and required proof of XXXX. I do not own, nor have I ever owned, a business. I also do not receive or have a pension. At XXXX years old, even if I had a pension, I couldnt legally collect it at my age. Chase seems to be doing everything possible to prevent any modification of the loan. They have also refused to change my legal name on the documents or call me by my legal name, only by my former married name. The level of negligence on the part of Chase is gross and they make it impossible to modify any loan. I struggle very much to make my monthly payment and have been late on payments for the past several years. i need a modification.
Consumer complaint received 2015-12-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX, 2015 I called to Chase bank telling them that somebody withdraw a money from my Chase bank account. 
On XXXX XXXX, 2015 I received a letter from Chase bank telling me that It is my fault that somebody withdraw money from my bank and they can not give me credit for the {$300.00} somebody withdraw from my checking account, the easy way, I am really do not know why they say that, chase bank had enough time to investigate the guy who did the fraud, and they did not, It was very simple, Chase bank supposed to withdraw money from other bank where the other guy deposited the money and deposit that amount in my checking account, but they did not, or what did they suppose to do with the guy withdraw the money without authorization from my checking account? 
It does not make sense, they did not investigate the guy did the fraud.
Consumer complaint received 2016-10-04
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (NY)

I purchased a used car ( Suzuki SX4 ) in XXXX of 2011. I was consistently making monthly payments of $ XXXX/month until XXXX of this year, when I decided to pay the rest off with money I took out of my IRA. I paid off this money to Chase Auto Finance. I have noticed that XXXX and XXXX show that I did in fact pay it off, but XXXX seems to still show that I owe about {$6300.00} on it. I would like to get this corrected, as I am concerned it will make it hard to purchase another car when the time comes.
Consumer complaint received 2022-08-04
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent a letter to Equifax on XX/XX/XXXX requesting to investigate and verify the Accuracy of the account on my Credit Report. This account ( XXXX XXXX XXXX is reporting erroneous information on my File. Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting this account as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Equifax to investigate the erroneous account and have it corrected. 

XXXX XXXX XXXX Late Date XX/XX/XXXX
Consumer complaint received 2015-12-30
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (IL)

Chase card advertised sign up bonus of flyer miles/points. I qualified and the online account shows the rewards as 'earned '. My airline flyer account and airline customer service say the points have not been credited. I have been desperately calling/emailing both Chase and the airline to resolve this issue for more than a month to no effect.
Consumer complaint received 2016-10-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AFNI INC. (TX)

I requested validation of this debt. However, AFNI , INC has not properly validated per Texas Finance Code Section 392.202. This code equires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information AFNI only furnished a copy of invoices for XXXX, XXXX and XXXX 2014. In fact, I was no longer living in the location that was being billed by XXXX XXXX XXXX.
Consumer complaint received 2016-11-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

JPMorgan Chase ( " Chase '' ) is over-reaching their ability to capture tax escrow funds by accelerating the City of XXXX property tax due date by 2 months or more since the tax due dates are not due for year 2017. After contacting Chase about the revised escrow disclosure their escrow department was unable to provide proof of when City of XXXX property taxes are due for year 2017.
Consumer complaint received 2016-10-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (NJ)

The issue is that Chase Bank Auto Lender are not following the contract I signed with Chase Bank to lend me money for an auto, XXXX, XXXX, money paid by me is not applied per the contract terms I signed. 
The Chase Bank account1 number is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2015-06-09
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: COAST PROFESSIONAL INC (LA)

I received a phone call from " coast professional '' at my place of employment. The person on the phone asked if I was ( my name ). After I said " yes, '' she then asked me to give her either my phone number, address, or last XXXX digits of my social. I became very uncomfortable & asked her what this call was about. She refused to tell me until I gave her XXXX of the XXXX bits of information. At that point, I looked up the company online & saw that she was calling on behalf of a debt collection agency. So, I asked her if her call was regarding a debt collection. She said she could not tell me that information, but offered to let me speak with a supervisor. The supervisor then asked me to provide XXXX of the XXXX pieces of information. He also refused to tell me if the call was in regard to a debt collection. Although I was very nervous to give him any information, I did. The supervisor then told me I was n't the person they were looking for. Anyway, my belief is that this was a fishing expedition. As soon as I said I was the name they were looking for, the company was required, under the Fair Debt Collection Practices Act, to identify themselves as debt collectors. They did not.
Consumer complaint received 2016-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: JPMORGAN CHASE & CO. (MD)

I had an account with JPMorgan Chase that was closed due to insufficient fund/cheque activity that was related to fraud/identity theft. I explained this to Chase, because it is showing up in XXXX Reporting as an unsatisfied debt and hindrance to me opening other accounts in other places. Chase conducted an investigation and closed out the balance and account to a XXXX balance ( nothing due and the case considered resolved ). 

I have asked them to update this reporting to XXXX and they, Chase, told me that I could update it directly with XXXX and that it would be resolved and the entry removed. 

I have contacted XXXX SEVERAL times, forwarding the letter from Chase to resolve the issue and remove me out of their system, but when XXXX verifies the letter with Chase, Chase then reports that the debt/balance is still open and not resolved - so XXXX has NO other choice but to keep the entry active on file. 

Chase literally tells me that there is no issue, the problem has been resolved and that XXXX should be contacted to update their records ; Chase, then hypocritically converses with XXXX once I dispute the info and have them contact Chase and says the EXACT opposite to XXXX that it says to me. 

Chase can not legally tell me one thing with a letter and then tell a credit/chequing reporting agency the exact opposite.
Consumer complaint received 2017-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

My mortgage is held by Chase. Several years ago I inadvertently let my Home owners insurance laps. I soon found a new policy, but Chase issued there own policy in my name and charged me a very high price for a policy that only covers their loss.. When I brought to their attention that I had my own policy, they canceled their policy, but issued another, in my name, RETROACTIVELY!! I refused to pay for it, so they deducted the amount from my next monthly payment and charged me a late fee. They have been listing me as delinquent since then, while holding the remainder of that monthly payment in a fund. I owe about {$200000.00} on a house worth about {$900000.00}, the land value is farr over the loan amount. In 50 years of living in this house, I have never had a home owners claim Can you help PLEASE???
Consumer complaint received 2015-07-12
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX files dispute. XXXX charged XXXX {$55.00} on XXXX/XXXX/2015. XXXX sends me wire in the XXXX season XXXX disc XXXX and XXXX XXXX both of which have some sort of technical problem -- not broken -- which XXXX fails to resolve. Instead of responding they ignore and keep shipping the same inoperable discs. XXXX violates duty as a result of the contract not as a result of the law. This is a breach of contract. Not a tort. I want XXXX to send me XXXX working disc of each or remove it from online or refund the {$55.00}. Remove it from online or send me one that works or refund. I wo n't test endless discs because the problem is technical not broken. 

XXXX/XXXX/2015 XXXX {$55.00}
Consumer complaint received 2015-04-22
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (WI)

Chase had reported my payments late to the various credit bureau reporting agencies, I disputed their reporting and then they reported I had filed bankruptcy and XXXX was owed on my account, which is incorrect because I have been making monthly payments. Their reporting has harmed me and I am unable to secure home insurance at an affordable due to their harm.
Consumer complaint received 2016-09-05
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (FL)

Greetings, I am a teacher who have been banking with XXXX XXXX for more than 12 years. My account with XXXX is a joint account with my wife and she received a credit card from the bank approximately a week ago. For the past two months the bank has been sending me credit card offers in the mail and I decided to accept the offer on Saturday XX/XX/XXXX. However, my application was denied. The problem that I am having with the entire situation rest in the fact that with this credit card rejection, my credit score will now be affected for several years. This is not fair to me, as I have been making valiant efforts to fix my already week credit. The question therefore is, is it right for your bank of over 12 years that knows your employment status, which includes your monthly direct deposit, and have all the details of your general eligibility prior to making such an offer, proceed to making the offer and then turn around and deny you the credit card knowing, that it would impact your credit? 
Frankly, in my humble opinion, I believe that something is very wrong with that. I am hereby asking the fair-trading commission to please look into this matter. Thank you.
Consumer complaint received 2016-09-21
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: GREAT LAKES (IL)

I attended XXXX XXXX in XXXX XXXX, Illinois from XXXX and graduated in XXXX from XXXX XXXX XXXX program. Upon completion, I did not apply for the XXXX for XXXX until recently. I was told that I 'm ineligible to take certification exam because XXXX XXXX College was n't accredited with their association or the XXXX association. However, when I applied at XXXX, like many former students I was misled. I am stuck with an.outstanding loan balance. I ca n't transfer my credits or essentially utilize my diploma because of the fraudulent claims against XXXX. This school made false accusations, promises and claims that was not fulfilled. Many formers students can attest to this. The school is no longer in existence and what are we as former students to do. If the school has been found to have been fraudulent and accredited but wasnt ... ..why was loans and financial aud awarded to students. Why do I have to reoay a XXXX loan back and literally do n't have NO EDUCATION THAT I THOUGHT I WAS OBTAINING. The dept of ed has claimed to be investigating this issue for quite sometime but I have not yet received a response. 
I appreciate your time and consideration. I look forward to hearing from someone in regards to my issue. 
Thank you
Consumer complaint received 2015-07-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Renton Collections Inc. (WA)

This submission updates the XX/XX/XXXX complaint against Renton Collections , Inc. to which I was complaining about Renton Collections attempting to collect a two year-old bill for XXXX. I was also complaining that they never provided or mailed me a proof or a copy of the bill I requested or any verification associated with the bill when I first spoke with them on the phone on XX/XX/XXXX. I had to request a proof of the bill because I am a recent ID Theft Victim, Someone else had filed an Income Tax under my name for XX/XX/XXXX Tax Year and someone had applied for a credit card using my name and I have been getting a lot of scam calls in my cellphone within the last several months and a mailed copy would prove it 's validity. 

I did not believe Renton Collections was a legitimate call because the only Plumbing company i remember doing work for me two years ago was with another Plumbing company and not XXXX. Renton Collections never mailed me any proof at all. Instead they reported the unpaid bill to the Credit Bureau on XX/XX/XXXX. This prompted me to do my own investigation and by going in person to XXXX XXXX XXXX on XX/XX/XXXX and inquire about this bill. I realized that they billed me two years ago for dispatch fee of {$100.00} just for sending somebody to my house and but not doing any work. I never received any bill from XXXX XXXX XXXX otherwise i would have paid for it two years ago. They claim they billed me but i never received anything in the mail. I decided to pay the bill for {$130.00} ( incl. Renton Collections Interest charges ) directly to XXXX XXXX XXXX that same day. 

I believe that i was treated unfairly. I have always maintained an excellent Credit rating ( verifiable ) paid my debts on time, never missed a payment, never had a collections and now this Collections from Renton Collections , Inc. has made an impact in my Credit Rating as a result of irresponsible creditors and bad business practice. All i care right now is getting Renton Collections Account be taken off my Credit Record because i never intended this to happen and I believe my rights was violated. I am hoping for a resolution of this problem.
Consumer complaint received 2015-06-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: SLM CORPORATION (OH)

I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after XXXX years. As the last reported information on this accounts was on XXXX/XXXX/2003, I am requesting this be removed from my credit report.
Consumer complaint received 2017-01-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC. (MA)

I am being called repeatedly about the debt that I owe. As of today, Monday, XXXX XXXX, this company has called me 10 times since XXXX. The voicemails that they leave do not identify the debtor, but just states that I am to call the person back as soon as possible to discuss a matter " of importance. ''
Consumer complaint received 2016-05-03
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (FL)

On XX/XX/2016 I purchased a bedroom set from Rooms-To-Go for {$1200.00}. My furniture was delivered damaged. I was told it would be marked for replacement and that I would be contacted. I never was. I called store, was told to call customer service. They told me the information I was given was wrong. I was then told it would be replaced. They gave the date and time to choose. I setup a replacement date. The following week I received a text telling me my they would be there the next day at XXXX which was NOT the day I was scheduled for. I called them back, they said they did not know why it was set for then when i was scheduled for Wednesday from XXXX-XXXX. They told me it was too late and amanager would call to fix it. The next day while at work I get a call saying they are at my door and I informed them that was the wrong date and time. They rescheduled again and the same thing happened. I then filed a dispute with my bank as it had been over 30 days already. They setup a claim and confirmed I tried to work with the merchant to fix. The investigation was then closed and denied as they said the merchant said it was a valid charge. Not once did the investigator ever speak to ME the person who went through this. Of course the merchant is going to avoid the charge back. they told me in person at the bank they do not handle disputes for damaged goods. HOWEVER on their form, it specifically gives you the option to dispute a charge based on damaged goods. How can an investigator do an investigation when they never contact those involved. I have picture evidence of the damage. they stated the cause was becaue I had signed a receipt. Of course I signd a receipt when i made the purchase, it 's for furniture! You do n't see the pieces you 're getting delivered, just the showroom model. They made it out as if I had seen the merchandise I received prior to it shipping from their warehouse. The customer service call I was on WHILE AT THE LOCAL BANK BRANCH, just sat on the phone when I confronted her logic and could n't respond.
Consumer complaint received 2016-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (AL)

I have reached out multiple times to Fed Loans Servicing to resolve my issue and have been unable to resolve any. I am filing a compliant because my loans were transferred by Fed Loans Servicing to default when I was making payments. I paid almost {$12000.00} in XXXX, to lower the cost of my loans. I was paying on my loans when XXXX were transferred to default XXXX and sent to a third party. 
I consolidated all of my loans in XXXX, I assumed all of loans were consolidated until I received a phone call from a collection agency stating that Fed Loans Servicing had transferred XXXX of my loans to them do to non payment. I received a phone call from Fed Loans admitting their mistake on my account and stating they would erase any negative reporting on my account. There was no record of the phone call on my account to inform other fed loan employees of the mistake made by Fed Loans. 
In XXXX 2016 the XXXX loans were added back to my Fed Loan account but my credit has been falsely negatively reported because of Fed Loan Servicing making a mistake. 
I have spoken numerous supervisors and have sent certified mail with my payment history twice and clearly my loans should have never been in default or sent to a third party. This has been a very unprofessional handling of my loans. I am asking for help, I do not know what else I can possibly do to resolve my issues with Fed Loans Servicing.