davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-25
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OH)

In XXXX XXXX I deposited XXXX checks from an insurance company into a XXXX Savings account with Bank One in XXXX, Ohio. In XXXX XXXX the account had a zero amount the account was depleted of money by bank employees. In XXXX someone removed money from the XXXX Savings account and invested it with Banc One Securities I never knew of this transaction until XXXX XXXX I got a statement from Chase Bank securities saying that I had to acknowledge this account or it would be depleted. How could I respond to a letter not knowing what it was all about because I never set up the account. In XXXX a XXXX XXXX from the trust account department met me at the bank but never bothered to tell me about this account. He appointed himself my investor and took over the Banc One Securities account. As with the {$70000.00} that was in my checking account in XXXX and a XXXX XXXX removed it without me writing a check.The {$70000.00} was invested with an XXXX XXXX company and then in XXXX {$54000.00} of the {$70000.00} was put in a Chase Bank Securities account for my daughter XXXX. {$200000.00} was removed from my Money Market savings account and put in a Bank One savings account then in XXXX XXXX I was called to come to the bank and a XXXX XXXX set up a Trust account I was n't ready to deal with the insurance money they took it upon themselves to handle my money. I was like putty in their hands because I was grieving my husbands death and ignorant of the ways of banking. In XXXX XXXX XXXX removed {$62000.00} from XXXX of my accounts and invested it with XXXX different firms I never got this money back. I called the bank in XXXX and a XXXX XXXX after typening in my SS number read off an amount of {$380000.00} then called me telling me a XXXX XXXX XXXX had to handle this account I never received this money. This is a story that needs to be told people need to know what to do if they are missing money from their accounts. I feel the bank employees are in charge of the bank there is no one watching them they have free access to any depositor 's money.
Consumer complaint received 2016-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NJ)

Hello. 
This problem has been going on for three years. Due to a divorce I am no longer able to pay my mortgage. Three years ago Chase agreed that I would be able to do a short sale. Since I was approved I have gotten multiple offers, including cash offers. All denied. I have been bombarded by phone calls from their collection department which knows absolutely nothing about my account. I explain to them about being approved for a short sale and they say they 'll note the account but keep calling and calling and calling. I have had over FORTY, yes XXXX different people in charge of my account. It seems once I seem to be making a little progress in the situation I am moved to another representative who knows nothing if I can even get them to return my phone calls. I beg my realtor to not quit as she has ove 300 documented hours of time dedicated to dealing with the bank. 
As of rite now a offer has been put in and has been denied. The person who denied it has said he does n't remember denying it and ca n't give us a reason as to why. We have put a appeal in and ca n't get anyone to call us back. Please, I do n't know what to do. I am a simple man and need to get on with my life.
Consumer complaint received 2015-10-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: JPMORGAN CHASE & CO. (GA)

XXXX XXXX, 2015 I was told i could get my loan deferred upon summitting my military orders. I received notification that my deferment request was received. Apparently during that time i was still being billed to the wrong address, so i never received anything notification regarding making payment. On XXXX XXXX, 2015 I was told they sent out multiple letters for additional information regarding my deferment but i was never called. Now my credit score has decreased significantly because it shows that I am now delinquent and past due on payments which should have been deferred.
Consumer complaint received 2016-01-18
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (SC)

I have many inquiries on my XXXX account listed for the year 2015. I have not applied for any credits because of the debt on my credit files. Applying for credits with a debt will lower my credit score. I believe a third party is using my personal information for business.
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (GA)

I ASKED BEFORE CASHING A CHECK THAT IT BE VERIFIED AND WAS TOLD IT WAS GOOD. IN FACT IT WAS N'T AND NOW I AM BEING PENALIZED AS OWING AND REPORTED TO XXXX.
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (MD)

On XXXX XXXX, I submitted an application for a new business credit card with Chase and received an email that included the following : " We 'll let you know of our decision through U.S. mail within the next 30 days. Please do n't resubmit this application while waiting for our decision. '' On XXXX XXXX, I finally called the customer service center and was informed that the application was denied. No explanation was provided and I have yet to receive any communication from the company. This is unacceptable for a small business start up.
Consumer complaint received 2017-02-14
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

Hello. I am Citibank checking customer since XX/XX/XXXX. On XX/XX/XXXX, I signed up for Citibank savings account ending XXXX via the banner offer which i an attaching as a PDF printout. After signing up for the account i called Citibank and the representative assured me that i will get the offer. As per offer, i am supposed to receive {$300.00} for keeping {$25000.00} or more until XX/XX/XXXX. I kept more than {$25000.00} in the account till XX/XX/XXXX but now Citi bank is saying that i am not eligible for the offer They are saying that i was not targeted. The PDF printout states that i was enrolled in the promotion and terms and condition on the PDF print out does not have any language regarding targeted and Citi representative assured me that i will get the bonus for keeping above {$25000.00}.
Consumer complaint received 2017-01-23
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (MO)

I have moved from XXXX to XXXX. There are no Chase banking centers here, so I am in the process of changing my accounts to a local bank. I had an IRA CD with chase and did a trustee to trustee transfer to a local bank, believing that there would be no penalty attached as I am XXXX years old. 

Chase charged me {$1800.00} - THEIR PENALTY - for making the transfer. I have already talked to a repesentative and am told there is nothing I can do about it. 

I want to register a complaint anyway because this just absolutely stinks.
Consumer complaint received 2016-06-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (VA)

JP Morgan Chase foreclosed on our home and claims that it was legitimate and by the guidelines after accusing me of not submitting the requested documents in a timely manner, during a loan modification review. I submitted EVERY document that they requested and in a timely manner. The law firm that was assisting me with trying to obtain a loan modification even sent the same documents and in a timely manner as well. 
Evidently the documents sat somewhere in their building or mail room and did not get processed as they should have and they accuse me of not submitting them in a timely manner. I have written NUMEROUS times to inquire about our request and of course I could never get the same person on the phone more than once and always had to try to figure out who I could possibly speak with that could help me but there was never anyone that could. 
Although, I did manage to get temporary payments set up and got the number of one person that was able to help me ( but he could not help me with the rest, only temporary payments ) and he told me to call them in rather than mail them so I did just that. After making several temporary payments while our account was under " modification review '', which I did calling the same guy each month, I called the same number and he was not available because he evidently " was promoted and was no longer in that office ''. When I asked to be transferred to where he was of course the representative that answered the phone did not know where he was so she asked to help me. When I told her that I was set up with temporary payments she pulled up my account and told me that she could not accept my payment because our loan was under a " modification review '' ... .. so I reminded her of what I just explained to her but she would not accept my payment. When I explain this in my reports they basically accuse me of lying and say that no one there would have said that to me. Perhaps they could retrieve the " recordings '' that they say they make for " training purposes '' and find out that she did tell me that. I gave them the name of the n person that I spoke with and the number that I called. 
I am NOT going to stop reporting this because I think it is wrong for a XXXX XXXX dollar company to treat people that are trying to save their home like this and foreclosed on our home when we were trying to save it. 
They have been fined numerous times for doing this to homeowners but yet still get away with it. Why?
Consumer complaint received 2016-05-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

My mother died a couple years ago and we have been working with the mortgage company to get the names changed on the account to no avail. We have provided numerous qualified written requests via fax and overnight mail, some of which we received a response well past CFPB guidelines or not at all. We have provided all of the information requested again, as recent as XX/XX/2016 and the account still has not been changed. Additionally, now it appears they have put the insurance in jeopardy of being cancelled. We have made every payment on time and the account is escrowed.
Consumer complaint received 2016-03-08
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

I pay off my balance due on XXXX/XXXX/XXXX which it was a weekend but they claim if was after they cuff off and charge me interest even that it was paid on time and in full. The payment was no process with my bank until XX/XX/XXXX because the due date was over the weekend. Whether is mail or online the laws says that we have 21 until the due date for the credit card to received payment and if the payment is over the weekend there is a grace period until the next business day. The law of credit card act does not specified any time cutoff for weekend payment only for business day. if payment is received within the 21 days and fall in a weekend a grace period will be in place. Whether is mail or online this should apply. The credit card law of XX/XX/XXXX section 106 ( a ) 2 and section 163 ( a ) and ( b ) which they credit card company did not mail me the statement within 21 days to the due date as require by Law. I received the statement on XX/XX/XXXX when the bill was due on XX/XX/XXXX.
Consumer complaint received 2016-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (CA)

I went abroad two years before graduation, triggering my deferment period. To correct for that, I called Nelnet customer service twice ( once in XXXX XXXX and once in XXXX XXXX ) to request assistance ; I also submitted deferment forms with the proper signatures and authorizations twice. The forms were filled out correctly and addressed to the proper location -- but I 've still been incurring interest expenses for months on end. They also have reported that I missed a payment even though my history clearly shows a payment that 's literally XXXX more than my minimum payment days before the due date.
Consumer complaint received 2017-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Mn  XXXX   XXXX  had  XXXX  inquiries on my credit report and all of these were not authorized by me and if they say they are can you please provide me with a copy of the signed and dated credit application.
Consumer complaint received 2022-10-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

On XX/XX/2022 I have received a notification from PayPal that XXXX USD were credited to my account for selling goods. I am not a businessperson, I do not sell any goods. I have immediately notified PayPal about this and asked them to cancel this transaction. They replied that I can send the money back, but I have to pay 4.49 % fee for doing this. I refused to pay the fee because I have not initiated any transaction or asked for any service. PayPal refused to cancel the transaction. I told them that this is fraud. I can not accept money for goods if I haven't sold anything. But they again told me that I have to pay a fee even though I wasn't in any way involved in the fraudulent transaction. I find this unacceptable. I should not be charged to their fraud. Please help.
Consumer complaint received 2016-06-21
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Bureaus, Inc. (OH)

My sister ran up a credit card in my name in XXXX-XXXX. 

I agreed to pay the debt and the credit card company forgave the the fees and penalties The fees have been resold to THE BUREAUS INC. They opened a new credit account in my name for the {$1600.00} that XXXX forgave on XX/XX/XXXX. 

The Bureaus contacted me about payment. I checked the laws in ohio and that debt has aged out. The debt should no be appearing on my credit report and the Bereaus refuses to remove it.
Consumer complaint received 2016-05-03
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Rubin & Rothman, LLC (NY)

XXXX XXXX XXXX forwarded a alleged debt to a attorney to collect and file a judgement against me when the alleged debt was never owed. When a full analysis of my account was conducted payments was not posted to the account. Nor was the correct amount of payments made by XXXX XXXX was posted to my account. Payments was misapplied and not applied at all. Interest accrued on non posted and incorrect payments which caused a on going balance of XXXX %. Went to court filed a motion submitted supporting documents, motion was still denied. A judgement is still being filed after receipts from XXXX XXXX were submitted.
Consumer complaint received 2017-03-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... .promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2015-05-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (OH)

I previously represented XXXX XXXX, whose address is XXXX XXXX XXXX XXXX, XXXX OH XXXX, in a foreclosure case in the XXXX County, Ohio Court of Common Pleas. The case was styled J.P. Morgan Chase Bank , N.A . v. XXXX XXXX, et al., No. XXXX. The case was closed in 2014 after the client obtained a permanent loan modification from Chase. While the case was pending Chase continued to deliver mortgage loan related documents to XXXX XXXX c/o the building for my law office without specifying any suite number which resulted in non-delivery of some critical documents including the loan modification agreement which was returned to Chase by FedEx. ( Exhibit XXXX ). I requested through counsel for Chase that mailings be directed to XXXX XXXX ' residence but when the problem continued I requested an order from the trial court to force Chase to send mortgage statements and other such documents to XXXX XXXX ' residence. ( Exhibit XXXX ). Today I received a notice from Chase that I have been enrolled in automatic mortgage payments. ( Exhibit XXXX ). I have no account of any kind with Chase. I searched case files for clients who had mortgage loans with Chase and discovered that the XXXX digits in the notice that I received today match the last XXXX digits of XXXX XXXX ' mortgage loan account with Chase. I have taken the liberty of sending her the notice. I am filing this complaint because its deliberate and improper practice of delivering loan documents to this office intended for XXXX XXXX not only breaches its contractual obligations to XXXX XXXX but is illegal under federal law. Chase knows where XXXX XXXX lives. If it is incapable of properly handling her mortgage account then perhaps it should dismantle its mortgage servicing business.
Consumer complaint received 2017-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NJ)

My wife XXXX and I, XXXX met with XXXX Of CHASE on XX/XX/XXXX to discuss a refinance of my mortgage loan No. XXXX. 
We proceeded to fill out all of the paperwork and at that time I mentioned that due to XXXX, we had to take out a SBA loan, and would that be a problem. She said that as long as the SBA agreed to be 2nd on the mortgage, there would not be a problem. Over the next couple of months, we supplied all of the paperwork that CHASE requested, usually the same day. The week before XXXX we were told that the loan was approved, and the closing would be in a couple of days. We were very excited. That lasted for a couple of hours, that is when I received a phone call saying that the closing would be delayed because the SBA was never contacted! I was furious! I asked why were they never contacted? The reply was " it feel through the Cracks ''. Over the next couple of months I kept asking, daily, what was going on? I was told that they could not get any answers from the SBA. I finally said " give me the contact number and I will call ''. I had the approval the following day! CHASE then told me that they could not get the final payout numbers from the SBA. Again I called and has the numbers in an hour! 
Finally on XX/XX/XXXX I was told that the loan WOULD NOT BE APPROVED because the debt to loan ratio was to high. WE went from a closing in XXXX to not being approved in XXXX due to the fact that CHASE dropped the ball! I asked them if they could take off one of the loans that I had and replace it with the SBA so that the numbers would work and they said that nothing could be done, which I do n't believe. After 4 months they are refusing to work with me on this refinance. I even said to them that I would even consider a higher interest rate just to get it approved.
Consumer complaint received 2016-04-13
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Senex Services Corp. (NJ)

I disputed this alleged debt via certified regular mail asking for proper validation of the claim to no avail. All I got in return is a generic letter stating that they were not gon na validate the alleged debt and that they were not gon na take any further action to address this issue. My initial letter to them was simply asking them for a copy of a original signed contract to validate the debt. If they can not produce that then by law they have to cease collection as well as remove the account from my credit report.
Consumer complaint received 2016-05-12
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: 3rd Generation, Inc. (CA)

I am a reference on an auto loan and I am called XXXX 3 times a day. Also they leave messages that are very personal. If this was my loan I would not want them to tell people what they tell me. I am feeling really harrassed by this company and they need to stop. Thanks for the help.
Consumer complaint received 2015-06-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CT)

I have a XXXX mortgage with Citi Mortgage and with tremendous difficulty ( do to untrained personnel ) I was accepted into Citi Mortgages Modification program. I was mortified after completing my XXXX trial payments that over {$19000.00}. in interest was applied to my principle. The original principle amount was {$47000.00}. This " interest '' totals almost % XXXX of the original bill and by adding that {$19000.00}. to my principle itplaces my house under water by almost {$30000.00}. Citi Mortgage never disclosed that there was going to be an exorbitant amount tacked onto my loan. When I called and emailed to dispute this I was told that interest could not be removed because my XXXX mortgage was backed XXXX. I called XXXX and it is NOT backed by them. Citi mortgage has me running circles completing paperwork numerous times, placed me with many different unknowledgeable representatives whom I have to start the process over again with, and lied to me about the standing of my loan. Please help me save my home. I fell on difficult times I am not looking for a hand out ... Just what is fair. Citi Mortgage will get there interest over the life of the new loan so why are they allowed to double dip on interest and capitalize on my families misfortune? ... all while claiming to " help '' their consumers.