davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-11
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

Complaint against : XXXX Address of Foreclosed Property XXXX XXXX XXXX, FL XXXX XXXX Account Number XXXX ENCLOSURES : Verification Letter re : date of original delinquency/Chase Demand Letter to XXXX Recently, I applied for a mortgage and was approved. The company in question, XXXX XXXX XXXX ( XXXX ) became the servicing agent for mortgage foreclosure that was filed in XXXX, and they took over servicing in XXXX. It is still being reported by them with a date of original delinquency of XXXX I contacted them to let them know that the date of original delinquency predated my dispute by over 7 years and must be deleted. Their response was essentially that it is the date of their last activity, not the date of original delinquency, that determines when the 7 year period begins to run, and that they will continue to report this delinquency until XXXX in direct violation of the FCRA. I sent them a letter demanding that they delete this entry but as of this date I have gotten no response. 
The loss of the home and other substantial assets, like a pension, a job, etc, were the direct result of the XXXX mortgage debacle. I have already suffered enough loss from that. I believe SOMEBODY has to have some relief for me instead of the banks. 
I contacted the original creditor, JP Morgan Chase, to verify that the date of original delinquency is over 7 years. Their verification, which I believe is incorrect and I will further investigate, said the date of original delinquency is XXXX. It is my belief that there were several missed payments before that date. Assuming that to be true, any reference to this debt must be deleted XX/XX/XXXX. XXXX has refused to acknowledge this and insists that it may report until XXXX. 

I had a mortgage in place a few days ago, but because of this entry, and the false record of the date of delinquency, the mortgage was declined at the last minute and I was unable to make the purchase. Disputes have been sent to reporting agencies and the response was the same. They believe the date is extended by the date they got the account. 
Another factor is that when the started servicing the loan, it was to be under the terms and conditions agreed to by Chase. Part of that agreement was that Chase would take a deed in lieu of foreclosure. XXXX refused to do so and cause more damages because of the time it took to finally get the property out of my name. 

My concern is not only for my account. If they are following this procedure on all of their accounts, they are undoubtedly reporting countless accounts in error. This is not a clerical mistake. It is their policy and procedure, and it a clear violation of law. They need to stop, and they need to be sanctioned for each and every violation. 

I have enclosed documentation to support my claim.
Consumer complaint received 2016-08-24
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NJ)

Background : This is regarding a credit card I recently was approved for. It comes with a a sign up bonus if a minimum spending requirement was met within first 3 months go account opening. 

Situation : According to the Chase representative, the window of minimum spending requirement begins the day your card is approved, but you do n't actually receive the card for 7-14 business days, unless expedited. Hence you actually get less than the 3 month period to spend that {$4000.00} to get sign-up bonus. 
I currently have particular reason to spend money towards an upcoming vacation, which can substantially contribute towards, the minimum spending requirement. But due to the Bank 's practice, I wo n't be able to till I physically receive the card. This appears to be an unfair and or deceptive practice, based on my interpretation of UDAAP guidance.
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (TX)

My name is XXXX XXXX XXXX, and I have had XXXX joint account opened with Chase for almost 10 years. The last XXXX of my credit card is XXXX. I never had any issues ; never behind or late on my account. I have always value my relationship with Chase. Recently I discovered that my account had been closed ( back in XXXX ), but the closing was unauthorized. I never received any type of letter that confirmed the closing or else I would have responded in order to correct or dispute the information. This was my very XXXX credit card, and I would have never attempted to close my account under any circumstances. I called in and spoke to a representative to find out what happened with my account. The representative informed me that it was closed, and it could 've happened by mistake, but I would have to speak with her supervisor to get the account re-opened. Her supervisor XXXX came to the line, stated that the previous rep gave me incorrect information and states that nothing can be done to re-open the account whether it was or was n't a mistake. He states that it was closed in XXXX. He stated that someone called in to close the account, but he had no actual evidence of the call or who called in to do it. He stated that " it must have been you!! '' When I asked to speak with his supervisor ( XXXX XXXX ) he claims that his supervisor wont be available until after XXXX, and if he was available he would n't allow me to speak with him, because he has everything under control and his supervisor would n't be able to help me anyway. After I informed him that I was going to report his attitude and unprofessionalism to the executive office, then he allegedly transferred me to a miscellaneous extension that was not his supervisor extension. It ended up disconnecting the call. I do n't deserve to be treated like this. I did not use any type of profanity nor did I raise my voice during the call. I attempted to handle the conversation in a very professional manner, however I was treated with any type of dignity or respect. The supervisor was very rude, and cold hearted when it came to assisting me. He never attempted to see if the closing was performed by mistake or if the person who called in was even authorized to take matters into their hands to close my account. I would like for my account to be re-opened, because I never authorized for it to be closed, and I do value my relationship with Chase.
Consumer complaint received 2017-03-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (TX)

Unauthorized inquiries on my report from Chase Bank credit cards. I was told that one back in XXXX was going to be removed this month. Not only is it still there, but there is another one now! I also have a fraud alert on my file and did not receive a phone call.
Consumer complaint received 2016-11-20
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (MI)

I had a Chase Mileage Plus Explorer Visa card which has an annual fee of $ XXXX./yr. I chose to discontinue that card and knew that the fee was coming due in XXXX. I cut up the card and mailed it to Visa in the XXXX. When I received the statement in XXXX, I ignored it since I knew that I had already closed the account and had not made any purchases on it for at least six months. 
In XXXX, I received a statement with the {$95.00}. annual fee plus a {$1.00} purchase interest charge. 
I called them immediately saying that I had mailed the cut up the card and that the account was closed. They told me that they had not received notice that it was closed and that they would close the account but that I still owed the {$95.00} fee since it was not closed within the time frame of when the bill was received. 
My argument is that I certainly did close it within the appropriate time frame. The fact that they can not find it should not be on my dime.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (CA)

Due to XXXX XXXX action some of my credit Cards were cancelled or revoke by other financial institutions. In this complaint against Chase I was told its not going to be a late of the final amount of {$100.00} A late fee of {$25.00} back from XXXX 2016 it was reversed on XXXX 2016 as I was told by Chase customer service I 'll receive the final statement with no late fee involved. 
I waited for the final statement last month I I never received it Today doing my other payments I called Chase customer service and The Supervisor XXXX XXXX told me since I been given a late charge removal from XXXX they cant no adjusted the account no longer and the total amount due is $ {$120.00}. I told her upon condition to submit the payment I would receive a final statement by Chase to submit 2 payments toward the total amount of {$100.00} and if Chase does n't honor what I been told I would file an inquire with the CFPB to resolve this matter.
Consumer complaint received 2015-09-09
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (MA)

JP Morgan/Chase Auto and XXXX XXXX XXXX in conjunction with XXXX XXXX XXXX and XXXX XXXX of NH, perpetrated a FRAUD car loan upon me in XXXX of their high-risk predatory lending schemes for which they have been previously penalized/fined by Federal Government by litigation brought forward by NH Banking Commission in XX/XX/XXXX-to date. 

On XX/XX/XXXX, all of the above perpetrators received a CH. XXXX demand letter requesting they cease and desist their fraudulent claim against me and remove/delete all derogatory reporting filed against me in credit reporting agencies, and stop high-risk predatory auto loan schemes against me. 

MA and NH Attorney Generals have received copies of my Ch. XXXX demand letter and complaint against above perpetrators. NH Atty General forwarded my complaint to NH Banking Commission which originally successfully litigated against JP Morgan/Chase in their previous high-risk predatory mortgage-lending schemes and Fed. Govt penalized/fined them for their illegal actions. 

On XX/XX/XXXX XXXX XXXX received notice of a fraud alert on my account by JP Morgan/Chase Auto, yet continued to update my XX/XX/XXXX Credit Report including derogatory comments on my account. Please contact TransUnion so that these derogatory comments by JP Morgan/Chase can be deleted. I lost XXXX points on my credit score because of these fraudulent derogatory comments notated by TransUnion.
Consumer complaint received 2015-07-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (CA)

I believe this collection company does not have my proper information and therefore can not collect upon this disputed debt. I have disputed several times and sent letters asking where they came up with the original amount, how they got to this amount and proof I agreed to this. They can not verify nor validate this account. Because of the aforementioned violations, I am requesting immediate deletion of this account from my credit reports.
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (MA)

I had ordered tickets to a hockey event for XXXX XXXX, XXXX. I had called the credit card company to let them know that the tickets arrived later than I expected for a XXXX XXXX birthday gift and that the tickets that were not the ones I had ordered. The section and row was changed on me without my permission or knowing of it till after the purchase. I had called Southwest Visa and their representative said that since the tickets were changed on me that I could return them to the seller for a refund. I returned that tickets, certified mail, just as the credit card company representative told me to do so. As I 'm awaiting a refund, the event had past. Later the company had told me that the charge was valid and that there would be no refund. Well, because of the misinformation of the representative from visa, XXXX XXXX XXXX @ XXXX and XXXX XXXX XXXX XXXX/XXXX/XXXX @ XXXX ) I had no tickets tickets to the event and was still charged the amount of {$1000.00}. XXXX. Visa keeps ignoring the letters I sent them about my issue with the charge. They are not seeing the fact that their representative directed me incorrectly with what to do and therefore I had no tickets to even go to the event if i chose to attend it and not give it as a birthday gift. Whatever help you could provide me with would be greatly appreciated. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (CA)

I would like to have a US Regulator to look into the previous complaint XXXX. 
The agent representative closed the complaint without any assistance given. 
Furthermore questioned my integrity on this matter saying is not phone records in what the Customer Service told me about removing the late fees on a Chase Credit Card it got closed without mine knowledge. Also in that letter said the monthly statement I did n't receive it does n't show be returned to them, even " I told their customer service few months ago sometimes my mail got lost I do n't received non just from Chase '' At this time I would like to report violations to my consumer rights under the FDCPA due to Receiving Early morning and late night collections Phone calls, also reporting bad credit to the credit Bureau agencies and to stop sending Monthly statements on a dispute that I currently I have about their late fees. Chase it looks its ignoring and do n't respect the FDCPA, if they continue with this behavior for I may file legal action against them.
Consumer complaint received 2017-01-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OH)

On XXXX/XXXX/2017 Chase illegally took fund from my business checking account where the business is titled as the owner ... they took funds out of the business checking account to cover a personal account overdraft in the amount of XXXX their is a transaction on the account that is currently under dispute with a company which is why it is overdrawn ... they have done thus illegal action before on XXXX they took XXXX out of my business account and placed it in my personal account ending in XXXX they then reversed the transaction and placed the funds back in my business account because it was illegal ... they have now done it again and took funds out of my business account that the owner is the business and is not used for personal use they have took funds illegally
Consumer complaint received 2016-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (IL)

They reported me over 120 days late and that is inaccurate. I wrote them and asked them several times to remove the late marks, and still they remain, the fair credit report act states they have 30 days to either dispute or remove and the have chosen to do nothing.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

i have been working with Chase bank on short sale packets for over three years. In the last 9 months I have submitted all the paperwork they need ( which is a huge amount of information ) at least XXXX times. Each time they have me change an item and resign and resubmit or if they do n't get to the packet within a certain amount of time I have to resubmit everything with updated pay stubs. They have also assigned my case to about XXXX different people and each time those new people want more or different information. I believe they are stalling or dragging this process out for some reason. I am XXXX and it makes it very hard to deal with this because of different time zones.
Consumer complaint received 2017-02-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (CO)

In XX/XX/XXXX my husband at the time, XXXX, purchased a XX/XX/XXXX XXXX At the time of the purchase, XXXX was a XXXX. We financed the vehicle with the military program JP Morgan Chase Bank NA had available. My name at the time of the purchase and repossession was XXXX XXXX XXXX. The address of the repossession in XX/XX/XXXX was XXXX, XXXX Colorado XXXX. 

In XX/XX/XXXX my XX/XX/XXXX XXXX was improperly repossessed by JP Morgan Chase Bank NA. In XX/XX/XXXX, I received checks for {$10000.00} and {$600.00} as well as a letter explaining that the vehicle was illegally and improperly repossessed. The check for {$10000.00} was reimbursed for the payments that were made over the course of the life of the loan. The check for {$600.00} was for the inconvenience of that action. In the process of gathering my tax forms for XX/XX/XXXX I received a XXXX form for the XXXX checks with total " income '' showing as {$10000.00}. I am at a loss why I am being taxed on a refund when the money that I had paid on this car was after tax. This has caused even more hardship than when the car was first taken. I am now paying taxes again for something that was not my fault and I should not have further repercussion for the banks misconduct. Had this XXXX been for the check for {$600.00} ( Lower amount ), I would understand as that money was income above and beyond what was paid on the vehicle. 

The impact this has on me for this tax year is that instead of getting a refund of {$1300.00} from the IRS for XX/XX/XXXX taxes paid in, I now owe {$180.00}. This needs to be remedied on your end as this issue was your error that precipitated this in the first place.
Consumer complaint received 2017-02-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

I have requested a copy of Notice of Assignment, Sale and Transfer of servicing rights for my home loan account. I have still not received this notice. I am looking for the assignment reported to XXXX XXXX for the complete transfer of rights from Washington Mutual to Chase. 
I also am requesting details of who owned my mortgage while CHASE was servicing this loan.
Consumer complaint received 2017-01-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (WA)

I am trying to cancel my XXXX credit cards with citibank I am trying to pay the balances and close the accounts. Due to " fraud prevention '' they are unwilling to do so. I was able to pay the balance on XXXX card online but they are now refusing to allow me to cancel the card because they claim they ca n't verify my identity with out providing a relatives phone number. I was able to apply for, activate, sign up for online bill pay, and use the card with my phone number but now it is fraudulent. The other account they refuse to take a payment because they need a relatives phone number to verify the account. All I am trying to do is close these accounts.
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (MD)

Used my citibank American Airlines card to make a purchase for a vacation plan in XXXX in XX/XX/2016. Came back to the XXXX and found out that the companies made promises that they were not willing to actually do. A third party company was used to sell the services. There phone numbers are n't answered during business hours and Citibank and myself could not get in touch with them but the company that they contract was with keeps referring me back to them for the services that are supposed to be " free '' and basically I have gone back and forth with them about that. CitiBank reps are only hearing them tell me how to " access '' the services but when I do that they tell me that I have to pay although the contract states that it is free and no additional fees. On yesterday XX/XX/2017 after almost 4 months someone by the name of XXXX answered the phone at the XXXX place which Traveler 's Choice International calls " XXXX '' and I asked for my credit card to be refunded the {$2900.00} that I paid based on the fact that Traveler 's is not willing to honor the free flight and that is what I agreed to and she stated that she would send the request over to the accounting department for me card to be refunded. The issue is I told the CitiBank representatives that they keep telling them falsehoods on the phone but when I try and call to access the services either the phone is out of order or they get on the phone and tell me that I have to call the third party to access the service. I am not sure it they will provide the service which is the reason for the disputes that I continue to file. The first time I filed the case with CitiBank it was filed incorrectly and a new customer service employee was notified on XX/XX/XXXX and supposed to have a supervisor from his team to contact me and I have heard from no one with them as of yet.
Consumer complaint received 2016-04-08
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (GA)

Citibank 's Aadvantage XXXX announced late in 2015 that it was " waiving '' its foreign transaction fee. Thus I stayed with the Citi Aadvantage XXXX because they " waived '' their 3 % foreign exchange fee. 

Yet now I have noticed that the exchange rate Citi uses for my card/account is about 94-95 % of the market exchange rate on the transaction date. I have compared such rates with those of my ( also no-foreign-transaction fee ) XXXX XXXX and XXXX XXXX cards and noted that their exchange rates are usually around 98-99 % of the market rate for the transaction date. 

So in this way, Citi is still charging me a foreign transaction fee of sorts, they are just hiding it. I have referred this issue to Citi to no avail, and want the XXXX to please ACT on fining or better yet, convince Citi to change its conduct providing a more competitive exchange rate in lieu of " hiding '' their " waived '' foreign transaction fee in a poor exchange rate to their customers. 

I ask you please help correct this issue or ikpose a penalty until the issuer does so Thank you. 

XXXX
Consumer complaint received 2016-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (CA)

I have been trying to consolidate multiple of my student loans into XXXX loan. All were accepted aside from ACS Education Services. I was told that the release of the loan was not accepted due to the fact that ACS was " reviewing '' my loan for the most updated information and fees applied. I was also told that the loan would be released once the " process '' was completed - this was XXXX 2016. Months later, I submitted a XXXX request to push things forward. I am being told that things are on hold yet again for the same reasons - XXXX 2016. My request to speak with a manager was denied and I have no other way or options of pushing things forward before the deadline to add loans.
Consumer complaint received 2015-07-30
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Home Point Financial Corporation (MD)

Hello I brought a home XXXX 2014 a XXXX time buyer XXXX XXXX woman and I was sold a house a complete lemon. Structural damage to my home that is so costly I will be unable to live in the home. I spent {$110000.00} for garbage. This was FHA loan but I really think the realtor was in on the scam. This house is not any good the seller moved to XXXX he hid so much with this house its unbelievable but the bugling wall with horizontal crack was right in the inspector face. I want justice in some way