davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-24
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

1. I called Chase Claims to file a dispute on my debit account on XX/XX/XXXX. 
2. The Chase Supervisor said she would not except my dispute under The Fair Credit Reporting Act. 
3. I advise the Chase Supervisor at XXXX that I had XXXX charges I did not authorize that showed up on my debit Card.XXXX. 
4. a unauthorized Charge in the amount of {$100.00} dated XX/XX/XXXX and a unauthorized Charge of {$34.00}. 
5.The Supervisor from Chase refused to investigate or make a Claim for these XXXX charges on my account in violation of the Fair Credit Practice Act. 
6. When I advise the Supervisor she was not qualified and violated the FCP, and I would call back to talk to another Supervisor, she said I will mark your file so you can not make a claim. 
7. I called back and talked to XXXX another Supervisor on XX/XX/XXXX and he advised me that The Prior Supervisor marked my account not to take a claim.. 
8. Both of the Supervisors for Chase our unqualified to make decisions, because there actions caused a Legal liability for Chase Bank.. 
9. XXXX XXXX CEO should receive a copy of this complaint to let him know that a XXXX year old XXXX was discriminated against, and caused a liability a Tort claim against Chase.
Consumer complaint received 2017-02-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (CA)

I went to Chase and told them XXXX funding debt from XXXX, was not my debt. I got a letter that said they placed a hold on my account, and then they verified my social security number and Driver 's License, and re-imputed this information into their computer. Then XXXX, bank attendant told me it was not me, so it was cleared. XXXX department said they would take care of it because it was not me. Then we get a new judgment from court allowing them to go after my joint account with XXXX I believe they gave this information to XXXX which is a violation of my privacy, especially since they told me it was not my debt.
Consumer complaint received 2016-09-26
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I received a letter from CHASE notifying me that my home equity line of credit draw period was to end. It suggesting refinancing into a new home equity account and gave a number to call. I called XXXX/XXXX/16 at XXXX and spoke to someone whose name and NMLS ID I have. I gave him some information then and in follow-up and gave him permission to look up my credit score so that we could discuss whether or not it was likely I would qualify for a refinance. I did NOT formally apply for refinancing. I did not submit an application. I did not sign anything. He refused to return my calls when I tried to follow up. Yesterday ( XXXX/XXXX/16 ) I received a letter ( unsigned ) dated XXXX/XXXX/16 from CHASE telling me my application was denied. This is close to fraudulent to turn an invited inquiry over the phone into an " application '' that is then denied.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX/XXXX/2008 XXXX XXXX XXXX paid {$350000.00} on my account, XXXX. All that was remaining due on the account was some accrued interest in the sum of {$1700.00}, but it was enough to bring the account current, reinstate the mortgage, and the balance should have been adjusted. Instead, JPMC filed a foreclosure action, case number XXXX. It was dismissed for want of prosecution. See attached. Then, ignoring payment was made AGAIN, JPMC filed suit XXXX. Again, they filed suit. After we filed our answer and affirmative defenses, showing it was paid as stated above, they dismissed the case voluntarily. See the attached. If that were not bad enough, then they sued AGAIN, claiming the amount that was paid as shown above, was STILL DUE, violating the federal and state fair debt collection practices act, malicious prosecution, abuse of process, and fraud, mail fraud, wire fraud, and civil conspiracy. This time, the bank got a foreclosure judgment BECAUSE I COULD NOT AFFORD AN ATTORNEY AND HAD TO REPRESENT MYSELF. I did not know what I was doing. Chase lied about getting the money and did not tell the court they got paid. Chase lied about having received the money and filed an affidavit claiming it was still due. The Court believed Chase and granted a judgment. See attached. I requested an affidavit from customer service showing the payment was received, but Chase is now claiming they do not have any information. They are concealing the receipt of the money. See the attached affidavit from the Chase employees. I want the bank investigated, and either require them to return the money I paid, or vacate the foreclosure judgment, and give me a release of the mortgage, AS THEY HAVE BEEN PAID AS YOU CAN SEE FROM THE ATTACHED. If I had stolen money from a bank, I would be in JAIL. They stole {$350000.00} AND they are STEALING MY HOME. I was just served with eviction notice after the fraudulent foreclosure judgment. I NEED URGENT HELP. PLEASE HELP ME.
Consumer complaint received 2016-11-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OH)

I went to pay my JP Morgan Chase mortgage on line and the option was n't there. I then went to my bank and the bank manager had to make several calls to find out what had happened to my loan. From what I read they are required to notify me before they to the transfer. I did get anything in the Mail, E-mail, message through chase.com, phone call, or push notification with the chase app. That 5 ways they have and do contact me and they did n't.
Consumer complaint received 2015-08-10
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

I have a XXXX Rewards credit card with Chase. I use it for all my purchases and have always paid it off 100 percent every month. A typical month is about {$2500.00}. Two months ago, my bill was higher because of a XXXX. I paid about {$3600.00} of a {$3900.00} bill. The next month I was billed {$20.00} in interest for the {$340.00} I did n't pay. I was expecting an interest bill of {$3.00} or {$4.00}. ( Interest is 15 percent. ) They told me I was billed interest on my average daily balance, which they said was about {$1600.00}. I did n't like it and thought it was unfair, but I paid it. I paid the next month 's bill in full, including the {$340.00}. When I received my bill for this month, I was charged {$31.00} in interest even though I had paid the entire bill in full! I was furious for an entire Saturday afternoon and honestly felt like I had been the victim of fraud. I still feel that way. I called Chase and the woman agreed to take off the {$31.00} in interest after a prolonged conversation because she said I had been a good customer. She said the {$31.00} in interest carried over from the {$340.00} balance that I had already paid. So basically, I was charged {$52.00} of interest for {$340.00} I did not pay for one month. This is just usury and unfair credit card practices. I hope you will look into it. Thank you.
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (AZ)

I bank with Chase Bank. I have used a service called Chase Quickpay.I have used this service successfully on many occasions to send money to my daughter. I used it for the first time in an attempt to send money to my son. The transaction was approved on XXXX XXXX in the amount of {$950.00} and the money was withdrawn from my checking account. The money never arrived to my son 's account. He has an account with XXXX XXXX XXXX. I asked Chase bank on XXXX separate occasions to trace where the money went and they continually state that the issue is with XXXX XXXX XXXX. XXXX XXXX XXXX then states to my son that this is an issue with Chase Bank. I have gotten no where as a result and I have lost {$950.00} using this service. My claim was rejected by Chase Bank with no explanation. I would like to see my funds returned to my account and I would like to seek damages additionally. I have spent several hours trying to recoup my funds and have been treated quite poorly by Chase Bank assistants.
Consumer complaint received 2015-07-24
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MI)

I paid a {$11000.00} fee and forfeited {$XXXX} in wages and PTO to payback costs of an XXXX after leaving an XXXX. Their were other factors involved, which can be boiled down to that issue that the certification vendor would not be notified of this agreement or either of our disputes. 
I have detailed paperwork ( an actual contract ) documenting their promise. 
I was not able to obtain a full-time job again in that field for another 5 months. 
At that new job, I was promptly fired because they found that the XXXX had a complaint on file from my prior employer. The contract expressly states that such complaints violated the agreement. 
I contacted the former employer who helped me get the certification, but they will not reply to any form of communication. 
I contacted my credit card and they can not get through to the former employer. 
They finally closed my dispute saying that : " This is well past the 60 day period and we have no obligation to help you. " I had no way of knowing the former employer 's failure until the 5 month point. 
What can I do now? 
Out of work and out of {$16000.00}. 
By the way, that contract expressly forbids legal action from either party regarding any past or future disputes.
Consumer complaint received 2016-04-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (AZ)

Item 1 : Use of Credit Score : It should be by law that if a Service or Vendor uses a credit score from XXXX of the XXXX credit agencies, to determine an account with said company. 
That Service or Vendor is required to report any and all account activity ( both recent and current ) to the credit agency they obtained the credit score from. Not reporting is discrimatory to that consumer. 
There are too many consumers who have had problems with ID Theft-There is NO actual assistance from anyone to aide in restoring a consumers credit. 
Too many of these Services and Vendors are capitalizing on this and requiring a deposit from that consumer. There is NO return time for that deposit, no interest for the consumer for the monies being held by Services or Vendors. 
There are alot of Consumers who have opted out of credit-why should we pay for ID Theft over and over again-There is NO ONE there to assist us. We do not need ways of preventing it-we need laws that would prevent it. We need the XXXX Credit Agencies to be more responsive to who is looking and why? 
Handing out credit scores to any Service or Vendor is WRONG! If that Service or Vendor is not a member or does not contribute to these agencies ( Consumer Account Data ), that Service or Vendor will be kept from obtaining any data. 
I am tired of paying for other peoples lives! 

XXXX is a good example of profiting off of deposits from credit score usage. It does not matter the amount, even a {$.00} profit is discrimatory to that consumer, when using the credit score-the only basis for acceptance for service. 


Item 2 : Time for Broadcast vs Time for ADS Rules need to be established for AD Usage on TV. 
A 30 min NEWS schedule is not 30 mins of News, but approx 12 mins. of News ; 18 mins. of ADS for profit, Ads for TV Network, Ads for Public and Charity ( very few for Public and Charity ). 
Ads have become longer in time ; Infomerials are now 1 to 2 mins ; Ads for prescription drugs are biggest abusers of time for Ads. 
TV Stations KNOW EXACTLY what is happening. Every since 2008, TV Station AD Vilators, changed the amount time allowed in ads. It means HIGHER PROFIT for these AD/Time violators. How long do they think the consumer will ALLOW this to happen? I have already started writing advertisers how disappointed I am with this violation of my rights-NEWS for at Least 70 % of the 30 mins scheduled. If do not comply I will start posting bad reviews of products. Social Media Works! 
I have written XXXX ( Biggest Abuser ) ; XXXX ( Second ) ; XXXX ( Third ) about my disatisfaction on the Abusing of TV ADS FOR PROFIT. 
If a TV STATION Schedules a program-that PROGRAM Should be worth a consumers time ; At a minumin of 65 % of the scheduled time slot/program for the actual program scheduled. MEANING 35 % max for advertising ; OTHERWISE it should be called TV ADS SCHEDULED-Not ADS Guised under the programs name. 

Please, Start protecting the CONSUMERS. 
Thank you, XXXX XXXX
Consumer complaint received 2015-06-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: TRANSWORLD SYSTEMS INC (CA)

XX/XX/XXXXUNIVERSITY ACCOUNTING SERVICES & XXXX XXXX XXXX XXXX .... 
THIS IS MY XXXX STATEMENT AND ALREADY IT HAS PAST DUE CHARGES ON IT ... 
THE AMOUNT I OWE WENT FROM {$900.00} TO {$910.00} with Interest of {$4.00} plus Past Due Charge of {$3.00} ... .and this is my FIRST Billing ...!!! 
DescriptionXXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXXLoan DetailsID XXXXXXXX ; XXXXDescription XXXX XX/XX/XXXX ; XXXXStatus GraceCurrent Balance $ XXXXCurrent Principal $ XXXXCurrent Fees ( Interest Bearing ) $ XXXXCurrent Fees ( Non-Interest Bearing ) $ XXXXCurrent Interest $ XXXXCurrent Interest Rate 8.900000 % Amount Due $ XXXXDue Date XX/XX/XXXXAmount Past Due $ XXXXCurrent Interval MonthlyAccurate As Of XX/XX/XXXXTHIS IS FRAUDULENT AND PREDATORY BILLING ....!!
Consumer complaint received 2016-11-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (CA)

Nelnet has combined my subsidized and unsubsidized student loans without permission. I used to have a Group A and Group B student loan that I paid to them. Now -- -I have only a Group A. I intend on going back to school next year -- -so, I intend on only paying the unsubsizided since the interest will still accrue. They have done so without my permission. I have tried to call multiple times -- -and have gotten no resolve. I am on time AND ahead -- -but I have every right to pay either loan in advance by law. How many times are they going to manipulate my loans?
Consumer complaint received 2016-07-27
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (CA)

I have the XXXX XXXX XXXX XXXX credit card. I keep getting email and mail marketing pieces saying I can get XXXX bonus miles if I refer a friend to open a XXXX credit card, and the friend will get XXXX bonus miles. TWICE I have attempted to submit my husband 's email address into their online form, which is supposed to prompt XXXX to contact him to open his account. He has NEVER received any information about how to open his account. If I call XXXX they say it 's related to the credit card and they ca n't help me. If I call XXXX they say they ca n't help me because they have n't received the request to open an account for my husband ; the only thing Customer Service can do is forward my comment to the Marketing department, which does not accept inbound calls. Needless to say, the Marketing department has never called me back. It seems as though the offer to receive XXXX/XXXX bonus miles is false advertising, because it is n't actually possible to receive the miles because we ca n't open a new account.
Consumer complaint received 2016-05-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (OH)

My Complaint is not about the XXXX. My compliant is about NelNet and what happened before the default. As I review my statement on NelNet 's website, dated XXXX/XXXX/XXXX, it was showing my correct address. I know for a fact Nelnet had my phone number and email correct, as I have received both phone calls and emails from them. When I logged into NelNet today ( XXXX/XXXX/XXXX ) I found out that my loan was a {$0.00} balance. I then called the XXXX, who informed me that they had the following address and phone number, XXXX XXXX XXXX, XXXX, OH and phone number of XXXX. My loans were sent to the XXXX in default status. The woman at XXXX XXXX XXXX told me that I have XXXX to 90 days before I am assessed a penalty fee. I called on day XXXX. Had I not called today, l would have been charged a 25 % penalty fee for default, all because I could n't afford my payments. NelNet REFUSED to work with me, and they changed my contact information so that XXXX could not send me letters. NelNet updated my account with false information in regards to my address and phone number, with malicious intent. This caused the XXXX to not be able to contact me and work with me. I feel that NelNet needs to pay my entire student loan balance as I would have been charged over {$13000.00} in penalty fee for defaulting on this loan.
Consumer complaint received 2016-03-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (AZ)

I contacted the mortgage company and explained i would no longer be able to make my full payments due to loss of wages. They suggested i try to sell the house on my own as a short sale. I followed their advise and tried for several months to sell the home. Several offers were submitted and each time they took too long or changed the price. At the end they had told me if i gave the home back to them it would only affect my credit for 3 years not 7. I just want them to change my status so it is not showing on my credit.
Consumer complaint received 2015-08-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

I have applied for a modification numerous times with Greentree due to hardship. For years, they have lost my paperwork requiring me to repeatedly submit the paperwork again. My house went into foreclosure as a result. I kept applying for a modification. Again, they claimed the packet was stale though it was submitted on time in mediation. They told me I was denied for XXXX, but never provided a reason or any written denial. I should have qualified according to the rules. They later offered a streamline mod, but mailed it to a wrong address. Because of this, the deadline had past. I consulted with an attorney who advised me to request a new letter with the corrected information otherwise it was not a valid offer. I explained this to Greentree and they refused to reissue a new offer with the corrected address and dates on it. Instead, he ( supervisor XXXX ) demanded payment and stated " the offer is valid today, but could be off the table tomorrow '' though I informed him the other rep. ( XXXX ) stated it was valid until the end of the month. My address had never changed to begin with. XXXX they sent info to a wrong address. Greentree lawyers were informed this via emails and in mediation the first time they did this. They refused to reissue a new, corrected letter then too though the offer date had expired. 7 months later, it happened again. They ca n't send me any important paperwork, instead sending it to a wrong address, yet can continually leave notices on my door to contact them. They have been nothing but rude and harassing. They contradict themselves and give you the run around any time you ask for help or try to get answers. They have been a nightmare to deal with. They should be shut down and put out of business. They are not abiding by federal guidelines by trying to help people stay in their homes. If we lose ours, it will be because of them and the games they play.
Consumer complaint received 2016-10-20
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

XXXX mortgage payments were given at same time. Called to get half back and they did not process request. Called numerous times with several different reps and supervisors and no one could help or give answers. After a week and a half they submitted it again. Customers can not talk to anyone above the rep level and if you get forwarded to a supervisor, none of them answer, there is no voicemail, and they do not respond to online messages. Bad business
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (NJ)

XXXX XXXX owns a debt from Citi Financial in my name. I beleive XXXX XXXX " relied on misleading, robo signed court filings to churn out lawsuits '' - CFPB Takes Action Against The XXXX Largest Debt Buyers For Using Deceptive Tactics To Collect Bad Debt. Published XXXX XXXX, 2015. This bad debt has been sold 3 times since from the original creditor ( CitiFinancial ). I also beleive that XXXX XXXX " misrepresented their intention to prove debts they sued customers over. " CFPB publication. Filing a debt collection lawsuit with out meaningful attorney reveiw, unlawfully misrepresents the attorney 's involvement in the case. I beleive the Certificate of Conformity submitted as evidence, by Attorney XXXX XXXX was " robo signed '' and that this bad debt was never properly validated with the original contract, my signature and account statements.
Consumer complaint received 2015-10-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (CA)

there is a derogatory Macy 's account in my credit report that does not belong to me. I have a current Macy 's account that is up to date on payments and has been that way for over 20 years. I need this to be cleared so that it reflects my actual information.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (GA)

I have contacted XXXX many times to dispute this Macy 's account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.