davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (TX)

I have been working really hard over the last 2 to 3 years paying down my credit cards. I have made all my payments on time, I have paid extra and sometimes XXXX to pay off my credit card debt. I have not purchased any cars, used additional credit NOTHING .... Just paying down my debt. working hard. My credit card account had a balance of {$24000.00} I paid it down to {$17000.00}. I had it down to 71 %. Now they lowered my credit limit to {$17000.00} now I am at 97.3 %. My credit scored just plummeted for working hard!!!!!!!! ... My other account was at {$10000.00} and I paid it down to {$5800.00}. I had it to 58.8 % they just lowered my credit to {$6200.00} now I am at 94.9 %. Zapped my credit score just fell through the floor again. I could understand if I was not paying my bills. If I was running up credit cards, if I took out a bunch of loans. But I have not done any of these. I am a hard working, mother of XXXX who pulled through the tough times and trying to build up my credit because we all know, everything we want or need is built on Credit in this wonderful US of A. We live in a small house and was saving up to make a bigger home for my kids and CHASE just took everything away because someone is sitting there hitting buttons without anything else better to do. ITS NOT FAIR!!!!!! Obama had them add all those disclosures to the cards to help people learn about credit card debt and help them get out of debt. I could have filed bankruptcy a long time ago, just like the banks, instead I continued to pay all of bills and now have been paying extra and CHASE just XXXX me and my whole family. I will pay off the rest of this debt no matter what, but I will find a way to remove everything I have from Chase. And I mean everything. I can not believe they rule mine and my childrens future when I have worked so hard. Read my credit report. No LATE PAYS 5 Years plus!!!!! No Cancellations!!!! No Bankruptcies!!!!!. More than Minimum always paid!!! And this is what I get. My Credit score has now dropped from a XXXX to XXXX .... OVERNIGHT. NOT FAIR!!!!!!!!!!!!
Consumer complaint received 2016-07-15
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (MO)

Payment Due Date was Saturday, XXXX XXXX, and was charged a Late Fee by Chase on Sunday, XXXX XXXX. Made Electronic Payment ( ACH ) on first Banking Day after Due Date, Monday, XXXX XXXX. Like XXXX XXXX Mail, ACH is only 'delivered ' on Banking Days, but Chase XXXX illegally I believe, insists payment must be received on Due Date, even though that is impossible. When I called, Chase said, since it was my first time, Chase would 'forgive ' the XXXX XXXX. It appears Chase actually does n't want people looking into their illegal practice of charging this Late Fee.
Consumer complaint received 2016-11-18
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (OH)

Chase Bank refusals to release final disbursement of {$25000.00} +, Insurance Companies held funds after XXXX % construction of insured house was completed. 
This is the second time that I needed to take action against Chase Bank for the same act of refusing the release of funds.
Consumer complaint received 2016-08-12
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

It was a long time ago ... i have spoken to several customer service and upper management whom all have said one thing or another ... But my last call was weird. A supervisor said oh yes i see it was corrected and we will contact the credit report companies ... and literally within the same call moments later he said oh wait all the info is gone ... ( so confusing and i think they messed up and i am still paying for it ... )
Consumer complaint received 2022-08-04
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: Self Financial Inc. (MI)

In accordance with the fair credit reporting act Self Financial Inc/ Lead bank, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CT)

A dispute was filed for a transaction made on XXXX, XXXX, XXXX. The merchant agreed to sell me the item in the amount of XXXX, refunded the difference back to the card. However, I was sent the incorrect model number. I ordered a XXXX Watch, I was sent the correct brand but incorrect model number watch. The item was returned, a return authorization number was provided, XXXX. The tracking number is XXXX, it was received on XXXX, signed for by a XXXX. I spoke with a XXXX at XXXX, she tried to say that the item returned is not one they sell and will be returned back to me. I 've seen the item advertised on their site before, however, it was sometime ago. Needles to say, they lied about not selling it. I further stated that the item will be refused back once received. I advised reps at Chase in the dispute resolution department of this, spoke with several of them yesterday on XXXX, they insist the company be allowed fifteen calendar days to refund. I tried to explain to them that merchant will not refund as they are claiming the item is not one they sell, which again, is a lie. The amount, XXXX is quite a lot, it is currently in dispute status. However, I do not believe the 15 day wait is necessary, considering the information I provided from merchant.
Consumer complaint received 2016-12-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

This letter is to complain about Chase rearranging bank transactions to appear different than they were in order to extract three overdraft fees that they were n't in titled to. Chase took one Amazon transaction and turned it into three separate actions in an effort to extract two overdraft fees that the should not have had. They then after my deposit was made and the account was brought back to positive, Chase rearranged transactions over the weekend when the bank was closed. to appear as if another overdraft fee had been extracted days after transaction had been made and fee was taken. Chase has intentionally rearranged the account to appear different in order to take money they were n't entitled to. Chase often does this and the call this action legal. They have intentionally extracted {$100.00} in fees they were n't entitled to.
Consumer complaint received 2017-03-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (GA)

I was previously an XXXX service member with an auto loan with US Bank through the XXXX. I was not properly informed of the additional fees associated with the auto loan for having my payments withdrawn by allotments, I was lied to about the cost of the GAP insurance that I had covering my vehicle and I was also misinformed about the payment schedule of my loan payments for each month. I believe that I was taken advantage of as a young naive service member. The auto loan has been paid in full since XX/XX/2013. I have previously spoken with US Bank on a few occasions but was unsuccessful in having my requests met.
Consumer complaint received 2016-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MA)

I am set up to pay a set amount for my loans every month to Nelnet, my loan servicer. This amount is autodebited. A few months ago, I decided to pay an extra {$1400.00} at my loan on top of my usual monthly amount. On Nelnet 's website, I specifically chose to direct the full amount of this extra payment to Loan XXXX, which has the highest interest rate. I also specifically chose the option to NOT have this extra payment postpone my regular monthly due date for the loan. 

However, Nelnet ignored everything. While they put the {$1400.00} toward Loan XXXX, they stopped paying off Loan XXXX for the following months. Meaning that my scheduled monthly payments now only went to Loans XXXX and XXXX This made me accrue {$300.00} in extra interest to Loan XXXX AND ultimately it did not allow me to lower the principle on that loan as I had stated/intended when I paid the extra amount. 

The Nelnet customer service rep I spoke with said that Nelnet wanted to realign all of my monthly payment due dates given my extra payment. However, as I had already told Nelnet, all of that extra money should be given on TOP of the monthly payments, so it should not have changed anything with my due dates. This is a sketchy and dishonest strategy by NelNet to make sure that all loans end at the same time ( which is exactly what I was trying to avoid .... I wanted to pay off my loans in less than 10 years! ) so that they maximize the amount of interest they collect. 

I totally understand that the loan servicer needs to make money to stay in business, but they should not be allowed to ignore direct customer requests/specifications about payments in doing so. This dishonest business practice should not be tolerated by the CFPB.
Consumer complaint received 2016-09-17
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (FL)

Chase rejects customer payments claiming that they should not be made more often than every 3 days. While that may work for more financially secure, Chase makes credit unobtainable for working class people by preventing multiple payments as occurs when one pays the minimum by the due date and then seeks to pay more before the end of cycle but can not. Chase claims US federal anti-moneylaundering laws require this but does not cite the laws. This is a scam. The US does not prevent people from making payments, Chase poorly managed AML software prevents payments. Chase uses AML efforts as a pretext to incur fees and damage credit of those who manage their money wisely by making multiple credit card payments in a billing cycle. Chase conceals the payment prevention program and causes cardholders to take time away from working our regular jobs to working for Chase trying to figure out how to make a payment. Chase thus damages the credit and limits opportunities for cardholders in addition to making cardholders vulnerable to fees because of the payment prevention program justified by anti-money laundering.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

This is a follow up complaint to a previous claim ( # XXXX ). My mortgage was discharged in a bankruptcy XX/XX/XXXX. Since XX/XX/XXXX I have been trying to sell or transfer title of my cooperative apartment. I vacated the premises in XX/XX/XXXX and was refused an apartment because Chase was still reporting to the credit bureaus. I submitted title transfer paperwork XX/XX/XXXX for a Deed in Lieu of Foreclosure ( DIL ), and due to multiple unnecessary delays by Chase bank, third party inspectors, appraisers, Fannie Mae, and the bank 's attorney, I had to start the application process over from scratch XX/XX/XXXX. I have encountered several continued hiccups in the meantime, finally leading to the DIL application getting re-approved in the Fall. However, since XX/XX/XXXX I have been prepping for a closing by submitting monthly cooperative maintenance payoff letters and regularly following up with my assigned DIL negotiator. No progress has been made on my file since XX/XX/XXXX. 
I recently received a letter in the mail stating that the mortgage has been assigned to XXXX XXXX XXXX as of XX/XX/XXXX. Under separate cover that same day I received a mortgage assistance application from Chase. When I spoke to my DIL negotiator about these XXXX pieces of mail, and asked whether I 'd have to start the DIL process over again, she said she " did n't know, but I might have to ''. Why am I potentially starting the process over again? why does n't she know? and why does the new assignee not have a record of this mortgage being discharged? I subsequently received another loan assistance application from Chase stating that my mortgage is now more than 30 days past due. It was discharged in XX/XX/XXXX. At this rate, they will start reporting to the credit agencies again. Chase does not seem to have clue about how to handle my account, and they do not have any intrabank protocols or quality assurance practices in place to make sure that they are informed about the status of their mortgages before reaching out to borrowers. 
I need to know from the CFPB what protections, options, and alternatives I have to get this matter finalized after 2.5 years. Chase has entered into a new relationship with an assignee that could further damage my credit since they still think that my mortgage is active. The only open matter at this time is a transfer of title, not collection of a debt, which the new entity does not seem to be aware of. Once they become aware, they may have a completely different process for closing this aged file, and accepting title to the apartment. Do they even have the authority to do this?
Consumer complaint received 2015-08-20
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (FL)

I purchased A used vechilce and financed it through Westlake Financial. XXXX years of having the truck the engine goes out. I asked for a forbearance on payments, so that I could fix it allowing me to work so that i could make the payments. They did one month forbearance then ordered a repo. ( In those XXXX years I had never missed or been late on a payment ) Once the vehicle was repoed, the company were shown pictures of the engine missing as I told them. They then called me wanting to settle for a XXXX amount then send me the title. I told the to send that in an email or letter and I would agree. The company wants the money first, before they send any paperwork with proof of our agreement. " that 's not company policy '' I do n't think this is proper procedure, let alone common sense! This is a scam company who gets over on people with less than perfect credit. My question is : is it proper procedure to ask for a settlement payment without sending the client a copy before the payment is made?
Consumer complaint received 2016-07-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

I have been a Chase customer since they grandfathered me in from Bank one. When I first became a customer they started charging me XXXX insufficient funds fee only once I went overdrawn. Then as years passed by they all of a sudden started charging me a fee not only for being overdrawn but for every transaction made unlike before. Then when the banking industry went through the bailout issues and received government inspections and audits and were found to be negligent on these accounts and were made by the us government to refund all bogus fees as such that were applied to every customer and they also they began once again to charge only XXXX fee when an account goes negative and not for every trAnsaction. On my account. Now that the Obama administration is coming to a close, chase has once again resorted to their old money hustling antics to charge a {$34.00} dollar per transaction fee as well as the initial overdraft fee. My how easy we do forget. So I went into the bank and discussed the matter with a teller who asked when do you get paid and I replied " on the XXXX when my social security check goes through ''. He looked at me perturbed because I am not a senior citizen and said. " Social security, why? " I then stated Because I retired early '' but as I think on it, I feel ashamed because I have a XXXX but did not want to tell him but none the less it was not his business anyway. He proceeded to say " you will be charged only another XXXX dollars for and extended overdrawn account because the third is more than five days away so it 'll just come out of your check ''. And there is nothing I can do for you '' that 's it that 's all
Consumer complaint received 2015-09-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (NY)

My husband and I purchased a Jeep Wrangler XX/XX/XXXX with a auto loan from Chase Auto Finance. Due to the extreme financial times my husband and I filed for Bankruptcy XX/XX/XXXX. Our attorney requested several time a reaffirmation agreement from Chase but never received it, they said the mailed it and faxed it. When the bankruptcy was finalize there was not a reaffirmation agreement from Chase. We have made all our payments and received a letter from Chase saying that the loan was satisfied. Recently I was trying to clean up my credit reports and there were several items that were discharged in the filing which I spoke to and they notified the credit bureaus and the credit report was cleared. Chase had a note to the credit bureaus that there was a debt to Chase but it was closed. We asked them to remove this as it its considered a negative statement and affects my credit score. Chase refused to remove it even though they were paid in full. Though out the loan period Chase has been awful to work with as they never sent us any notice when the monthly payment was due since the beginning of the loan even though I requested it almost every month. 
Their position was that the loan was discharged in the bankruptcy filing because there was no reaffirmation agreement with them so they are under no obligation to accommodate us or notify the credit agencies that the comment should be removed.
Consumer complaint received 2015-08-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (IN)

Chase is the only party listed that continues to act like there is n't a problem here. Everyone else is at least trying to help. Therefore Chase is the only one getting an FTC complaint this week. I am throwing in HUD for good measure : Complaint reads as follows : I bought a house using Chase Bank as the lender. Chase chose XXXX XXXX to be the title company. 
Prior to the my purchasing the home the parcel upon which it sits was divided. It used to be XXXX large parcel with XXXX houses. The large parcel was divided into XXXX smaller parcels prior to the sale. 

XXXX parcel has my house- this is the only parcel I own. My " rear neighbors '' own the other XXXX parcels. 
Chase, with the help of XXXX XXXX, made some huge mistakes in the closing paperwork and recording the deeds. It turns out, the deeds were n't done by the time I closed and I never agreed to anything they are submitting as my closing paperwork. We do not have a valid contract. 

For added entertainment XXXX of the XXXX selling parties and I have the same last name. XXXX. No relation and no one looked at first names. My mail will never be the same ... : ' ( I do know my SSN # was attached to the sellers name and I am concerned Chase may have " reinvented '' my identity with this move. 
All of the small details are really complicated and over my head. I have kept detailed notes, a running journal, and all of my records/letters. There are so many documents I am going to hold off on sending until I have a rep, otherwise it will be very confusing for everyone. I have some experience : ) The end result is that I was, and am, being charged a lot of money for taxes on land I do n't own. Chase knows I do n't own this land. I went through the process with the XXXX AG 's, and we fixed it, but they recently " unfixed '' it. 

I just opened my new XXXX AG complaint, but I need more help. 

They have destroyed my credit, are continuing to report, and they are n't even sure how much I owe them each month ... and we do not have a valid contract. 

They have also taken to sending collectors to my home to harass me on the weekends at times my children are present. They have left me in a state of total financial and emotional devastation and are continuing to ignore me. Please help.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (VA)

In XXXX, 2022 I ordered sandals XXXX XXXX XXXX XXXX, owned by XXXX ; by mistake I ordered another pair. They were advertised on their web page to be priced at {$72.00} less a discount of {$29.00} for a final cost of {$45.00} including {$2.00} tax. When they arrived it was shown that I was being charged a total of {$61.00} for each pair. I felt this to be a " show & switch '' & neither did I care for the sandals. I immediately requested a prepaid return label and XXXX sent me two XXXX  prepaid labels. # XXXX was for order # XXXXXXXX XXXX tracking # XXXX XXXX XXXX dated XXXX XXXX # XXXX was for order # XXXXXXXX  XXXX tracking # XXXX XXXX XXXX dated XX/XX/XXXX. The charges were made on my Citi XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX. XXXX contends that I sent back only one of the pairs of sandals.This has been " back and forth '' between me and Citi Card since XXXX. I have sent them documentation copies of the return labels and receipts from XXXX. I sent them once by certified mail and again by regular mail. I have requested that either or both Citi Card and XXXX use the tracking numbers that I sent them to further verify my return of both pairs.Citi Card as a final outcome have stated there is nothing further that they can do and have only credited my account with the one {$61.00} charge.
Consumer complaint received 2016-12-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

I live in XXXX XXXX XXXX, Florida. My property taxes are due in XXXX with a discount. Each month not paid the tax bill increases. My taxes were not paid by my Lender. I 've been with them for the last couple of years. They have it documented that the taxes should be paid from my escrow account in XXXX. I '' ve been calling, emailing, and faxing for the last 10 days with no luck. 
I 'm trying to do an FHA Streamline and this is causing me grief with my closing. My Taxes are DUE And Payable in XXXX. I ca n't get an answer out of anyone at my lender why the taxes are not being paid. As of today, since they are late, I have lost {$33.00} for the XXXX Discount. If not Paid in XXXX, another {$33.00} will be accrued to the payment. And so forth. I do n't understand what the problem is? And if the lender has done this with others, I want this investigated, is there a Solvency problem with our Escrow Accounts??