davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I recently received the attached letter stating I have an overdue ( first letter I have ever received ) rental fee on a safety deposit box. I do not have keys to that box and have been divorced from the other person for 13 ( XX/XX/XXXX ) years. I have quite a few issues with this. 

1 ) Who has been paying for this box for the past 13 years? It has not been me. 
2 ) I do not have a safety deposit box anywhere 3 ) Why am I getting a letter with a late fee if I never received a letter before? ( States it was due XX/XX/XXXX ) 4 ) I have nothing to do with what he has in that box nor do I care to know 5 ) The other owner has left the country from what I can tell via social media and I refuse to be saddled with anything associated with him, I do have tax documents ( along with divorce records ) and could get you his SS to help track him 6 ) I will send you my divorce records if needed or have my lawyer contact you 7 ) I 've been told that my current name and address were found because I again have an account with Chase 8 ) I was an employee until XX/XX/XXXX when I was laid off, at that time I changed banks and after a few years returned to Chase XX/XX/XXXX. 

My issues with the branch are : 1 ) Inconsistent answers from XXXX different people on XXXX different days 2 ) Did n't take down the name of the gentleman from Wednesday but he said if I came to the branch I could take my name off the card and be done with the issue 3 ) When I spoke to XXXX at the branch she told me it does n't work that way and I 'm still responsible 4 ) I was also told there were no branch managers available either time I called and no one has gotten back to me I refuse to have this reflect my credit as a bad debt of any type nor do I feel responsible as I know you will not be able to find the other person who probably threw the keys away. It got that way at the end of the relationship so I would n't put it past him. 

Please have someone contact me to get this issue resolved as soon as possible. 

I appreciate your assistance. 

Thank you. XXXX XXXX XXXX
Consumer complaint received 2016-07-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

My original loan was taken out with XXXX XXXX, they were taken over by Washington Mutual who was then taken over by Chase. My payments did not follow my loan, I spoke to Chase on several occasions and have letters from them that they are not seeking foreclosure and that they withdrew the foreclosure on XXXX XXXX, XXXX. I have a letter from Chase that states they are not seeking foreclosure yet my house is set to be sold at auction on XXXX XXXX, XXXX for the foreclosure initiated by Chase. In reviewing my Mortgage documents I have discovered falsified documents which I presented to Chase, upon their reviewing these documents they withdrew the foreclosure. I have contacted the Attorneys who are on record for Chase they state they do not care what documents I have that they were hired by Chase to foreclose and they are proceeding. I have a week before my house is to be sold illegally. XXXX the servicer after Chase also sent me letters stating they withdrew their foreclosure sale upon reviewing these documents. I have requested the documents from the new servicer to no avail. I have no idea who is seeking foreclosure at this point. The judgement is from Chase who did not own the note at that time which is why they withdrew the foreclosure along with reviewing the forged and illegal documents. I just received notice from XXXX who is now the servicer of the loan and they have no information either as to who is seeking foreclosure.
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (AZ)

In XXXX of 2016, my family and I decided to plan a vacation XXXX in XXXX of 2016. I placed a reservation XXXX which I would pay at the hotel and there was no cost cancelation as long as the reservation was cancelled at least 24 hours before the expected stay. The next day, on XXXX/XXXX/2016, I surprisingly noticed that XXXX. charged my Chase Visa for half the cost of the reservation. When I called the hotel I was told this was standard to hold the room and if I cancelled it would be refunded in full. The first week of XXXX in 2016, I cancelled the room. When I contacted Chase regarding the transaction, I heard on a recording that the hotel had processed the credit. I spoke to a Chase representative and requested that they also refund me for the interest they charged on the {$130.00} transaction. I was told they would n't and there was nothing that could be done. This caused me great frustration. My current interest rate is 18.24 %. The payment of {$130.00} was charged interest on my account for XXXX, XXXX, and XXXX of 2016. Thus, I now have to pay Chase {$72.00} in interest for something I never received. On XXXX/XXXX/2016 I spoke with multiple departments and employees of Chase to try and get the interest that I was charged for service not used, to be refunded. I was told that there was nothing they could due since the hotel ran the payment as a sale and not an authorization. Thus, Chase just made free money off me that I will have to pay even though I never received or used the goods or services they are charging me for. This is unfair and feels illegal. I should n't have to foot a bill for something I never used or had. I want something to be done.
Consumer complaint received 2016-11-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (FL)

Bank had no checks cleared when I looked at account online XX/XX/2016 and morning of XX/XX/2016. The balance on that date XX/XX/2016 was slightly over {$920.00} ... on the fourth I checked again and they said a check cleared on the XXXX and charges me a {$35.00} overdraft fee. They cleared a check retroactively which incurred a fee or my online banking was not accurate. Either way, this is no fault of my patronage. 

Twice I was told upper management would call me back, once in XXXX hours and once in XXXX hours. I still have not gotten a callback and my branch filed a complaint and XXXX notices ... they have not heard back either. I am owed {$35.00}
Consumer complaint received 2017-02-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (CA)

We have a court ordered 6 year 3 % annum payment schedule via a chapter XXXX financial restructure settlement case # XXXX doc # XXXX file date XXXX/XXXX/XXXX. we have pain well over {$50000.00} on a {$21000.00} consolidated loan in XXXX and have a remaining balance over {$21000.00}. Nelnet has again increased interest rates to 8 % and not per annum They claim no knowledge of settlement. In XXXX we have the same problem with nelnet who refused to work with us and told us to hire a lawyer until we filed a complaint with the attorney general and CFBP case number XXXX. After the official complaints being filed, then Nenet ( and other student loan companies who we filed against than and are filing against again today ) contacted us and corrected all discrepancies and refunded ill-gotten gains. we requested an independant accounting agency to review all financial dealings at that time as well as an independant investigation into Nelnet banking practices however neither was done to the best of my knowledge. In addition to the complaints filed with CFBP today, I filed another complaint with the attorney general and contacted XXXX financial correspondent XXXX and requested an investigation into the student loan banking practice of Nelnet and the other student loan companies due to the repetitive financial discrepancies indicating significant incompetencies in their banking practice or demonstration of their illegal banking behavior.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (WI)

I was a cardholder of Chase Saphire Preffered Visa credit card, their cardholder agreement stated ( page 14 ) Trip interruption insurance reimburses for A Covered Loss ... : * Sickness experienced by my Immediate Family Member .... I filed the claim since I got sick due to bug bites, due to the resort being located on the swamp and it was not disclosed to us. We filed the claim with Chase within 20 days of coming back from US. They did not proccess our claim properly, instead filed it as a dispute, the denied the dispute and never paid any claim. In retaliation they closed the card and reported the " dispute '' to 3 credit agency 's causing credit score of the card holder go low. Also on separate occasion they breached cardholders agreement on road side assistance, when our car broke and needed tow, they refused to assist. I assume they do file claims improperly on purpose to confuse the customers and avoid paying the claims
Consumer complaint received 2016-05-17
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (MD)

when original note are challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, JP Morgan bank of new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator XXXX, JP Morgan XXXX XXXX new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology
Consumer complaint received 2017-02-27
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (UT)

I recently applied for a Chase freedom card. I received a letter from Chase today ( XXXX/XXXX/17. ) This letter was denying my request for a few reasons. After reviewing all of my credit reports, and the letter, I find that Chase has no justification for denying my request. For example, Chase claims that I have a credit card that has not been paid on time - NOT TRUE. I have a new account with a 100 % on-time payment history.
Consumer complaint received 2016-06-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

Complaint on XXXX XXXX for unauthorized pulling of my credit SHE HS LIED SO MUCH ITS UNCALLED FOR! 
Sections XXXX, and XXXX Any person knowingly and willfully obtains a consumer report under false pretenses can face criminal prosecution Section XXXX. 
I have sent paper over and over I have complained over and over to this lady and I have filled complaints over and over with all credit companies and with chase I have never applied with your company for an mortgage on XXXX XXXX, XXXX and n soft pull was done on XXXX XXXX, XXXX also an Hard Pull was done on XXXX XXXX, XXXX I have request the applications and was told to fill out these papers and it will be removed I have complained to XXXX, Consumer Credit and still this lady XXXX XXXX has lied over and over I DEMAND THESE INQUIRES BE REMOVED FROM ALL OF MY CREDIT FILES ASAP I HAVE FILLED THE LAWSUIT TO SUE YOU AND I WILL BE ASKING THAT ALL MY OUT OF POCKETS LOST MY LAWYER FEES AND OTHER DAMAGES THAT THESE HARD PULLS HAS CAUSED ME!
Consumer complaint received 2016-05-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (AZ)

I recently received a notice from Chase Mortgage Company that my escrow account was low and my mortgage payment would be increased to cover the shortfall. When I inspected the escrow account I noticed I was being charged over $ XXXX/year for a " misc '' insurance coverage. Knowing that I made no such insurance commitment, I called Chase to find out and they informed me that the charge was for homeowners insurance with XXXX XXXX XXXX XXXX. Well, I already have such coverage with XXXX 's and called my agent to find out why I pay double for the same service. He was able to tell me that the account number that Chase applied actually belongs to my neighbor. In essence, I have been paying my neighbor 's homeowner 's insurance since XXXX 2015! 
I am concerned that Chase either purposefully tried to sneak money from me using the trusted escrow account or are totally inept at applying correct account numbers. Either way, I am furious, upset, and scared. What if I would never had checked my account? What other sneaky schemes are they using to steal more money from me? How can I ever trust them in the future? My confidence is way low. 
Chase Mortgage Co. bought my mortgage from the company who bought it from my original loan company. Too many exchanges like this is not a good practice and the homeowner has no voice in the matter. I totally dislike Chase.
Consumer complaint received 2015-04-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX, 2015 I went to Chase Bank in XXXX XXXX Michigan on XXXX XXXX. I am the newly elected XXXX for XXXX XXXX. The purpose of my visit was to have my name place on the account. As a rule each XXXX is a signer on checks. After sitting in the office for an hour having to prove that I am the new XXXX, I was told by the agent that I can not be listed a a signer. I asked why. The agent told me that he was not given that information. He thought it might be something extremely serious such as money laundering. ( That is not true ). Approximately 2 years ago, chase suddenly closed my checking account without explanation and when I inquired in desperation, I was told by someone from the corporate in a very arrogant manner that they did it because they could and it 's their right. I really needed an explanation. I am aware of one otherDISCRIMINATION WITHOUT EXPLANATIONXXXX XXXX that this happened to. I am tempted to poll XXXX users, etc and ask if anyone else had this experience. I decided to contact you first. I currently have a checking account with another major banking establishment which I opened when Chase abruptly closed my account. Chase Bank has discriminated against me and I need to know their reason for closing my account and not allowing me to become a signer on an account for XXXX XXXX members elected me to.
Consumer complaint received 2015-08-05
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (CA)

I utilized PayPal as a money transfer service to send/receive money with my fiance for rent, utilities, and other bills. In addition, my PayPal account was linked to my eBay account for purchasing/selling products. PayPal is currently holding {$1400.00} of my funds without just cause for " up to 180 days. '' I have contacted PayPal representatives on numerous occasions to request evidence of any violations of PayPal User Agreement, but have never received a response.
Consumer complaint received 2015-05-21
Product: Money transfers — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (FL)

I received an email from PayPal on XXXX XXXX saying I owed money for PayPal Credit. I do not remember using PayPal credit. There was both a {$25.00} late fee and {$6.00} interest. I checked my emails and I did not receive a statement in XXXX which the representative said probably did not happen. I would have paid my bill then. He did waive the {$25.00} but said that the PayPal process could not refund the {$6.00}. Yesterday I read that CFPB Takes Action Against PayPal for exactly my problem. I believe I designated that my credit card be charged for the transaction and did not mean to use PayPal credit. How can I join this action for a refund?
Consumer complaint received 2016-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: I.C. System, Inc. (OH)

I terminated my account with XXXX XXXX XXXX. At that time XXXX said that my residual balance for a partial month 's service would be billed and paid using my already existing electronic bill payment service. The amount due was {$23.00} was paid via this service on XXXX/XXXX/16. On XXXX/XXXX/16 I received a collection letter via USMail from IC Systems, threatening to take legal action on this amount. I attempted to contact them online and was informed that I should call! XXXX. I called this number repeatedly, and was never able to get through. This account was never late!
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I had a 10 year fix that was going to adjust I had written Chase about this and requested a modification for months I tried to communicate with Chase Lending dept via telephone and letters stating I will not be able to support this load once it adjust, in time a letter was sent stating because of my on time payment history they could not help me. XXXX day in XXXX of 2012 I receive a call for Chase lending dept saying they were going to fix my loan I was surprised the man I spoke with told me I had 24 hr to accept this offer, I then asked him was going to be through the Government Program Call Harp I ask him if my mortgage would be reduced he did not respond the more question I asked him about this he made it quite clear that if I did not accept the deal it would be off, so I agreed to it. He came back with a 30 year fix at 4.5 % and reduced my mortgage by {$5.00}. just recently another bank offered to refinance my loan and they asked me about the Harp program and they said I qualify for it and while processing the paper work an issue came up which disqualified me, it was because Chase did a refinance and not the Harp program I belief this was because they wanted to the amount of dollars coming in now I can not get into the Harp program or refinance a a lower Interest rate they should have done the Harp program for me and my family. 
I would like for Chase to Modify my loan and reduce my Interest rate I tried to call and my number must be on a list because every time I call I get a recording that say 's we can not process you call at this time, I 've also mention about the XXXX XXXX dollars they were supposed to use to help out their customer and guess what they know nothing about this I would like some assistance from Chase to set me up in the Harp Program and reduce my payments.
Consumer complaint received 2015-10-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MA)

Chase Finance is charging a {$10.00} " return payment '' fee for not being able to process an automatic paymentThis fee was assessed AFTER Chase had already been notified that my account had been closed and to cancel automatic payments. Chase had also already deposited checks I sent for paymentIt is clear that Chase is blatantly charging consumers fees for NO reason.
Consumer complaint received 2016-06-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (CA)

I have repeatedly attempted to request that all of my federal loan groups be placed under the income based repayment plan. I have submitted my application for this XXXX separate times. Nelnet has communicated false information to me over the phone on over XXXX occasions causing the delay of this change taking place and causing me to have to use up to three months of hardship forbearance which I should not have had to use at all since I qualify for $ 0 monthly payments at this time due to my family 's very low income. Nelnet has claimed that they would put my loan on administrative forbearance twice since it was their error. These claims were untrue and I received calls from them weeks later stating that their representative was wrong and I do not qualify for administrative forbearance. When they call they ask for payment for the loans which become past due since they never placed the administrative forbearance on the loan that they promised to place on it. The representatives largely refuse to give me their last name, their employee ID number and anything in writing that states the promises that they make to me over the phone about the steps they are taking to get my loans on the right track. They have also coerced me into putting my loans on hardship forbearance, of which I only have a limited amount, and then denied me the opportunity to place those loans on an income based repayment plan because the loans were already on hardship forbearance. Then once the forbearance runs out they state that I owe on the loans, that I must reapply for the income based repayment plan and that if I ca n't pay the amount due then my only choice is to put them on hardship forbearance again. I 've been dealing with this issue for over 6 months and find that their staff is largely incompetent and untrustworthy. I hope to find a way to, in the future, have an agency that is reliable and trustworthy manage my loans even if that means a higher interest rate and consolidation. Nelnet 's practices are harmful to consumers and the overall feeling is like you are in the twilight zone. It seems that their departments do not know what each other are doing and that the staff that consumers can reach over the phone have had extremely unsatisfactory training in how to do their job. The root of the problem seems to be either poor training or willful deception of consumers that have little to no opportunity for recourse since documentation of the calls is not provided to the consumers and when I request documentation they state they are not allowed to provide anything to me. I feel trapped and miserable dealing with this company and disappointed that the Federal Government allows them to manage student loans. I did not choose NelNet and it seems extraordinarily unfair to have to bear the burden of their continuous mistakes and misleading information.
Consumer complaint received 2017-03-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (TX)

XX/XX/2017 Transaction withdrawal was made from a non-chase ATM machine for {$200.00}. This transaction was not made by me nor was my debit card stolen. I still had possession of my debit card at the time and told my Chase Bank this. The card was never used by me or anyone I know as I had possession of it. However, they did not believe me and said because the transaction was made with a chip/pin that it must be me. I do not make non-Chase ATM withdrawal so I know for a fact that this was not me. I knew exactly where I was on the day the transaction was made and I was not anywhere near the claimed ATM nor did I withdraw any money. They must have skimmed my pin somehow. I just know for a fact I did not do this but Chase refuses to help and has denied my claim.