davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-18
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

I responded to a Chase direct-mail marketing offer : Get a {$200.00} bonus when you open a savings account, deposit $ XXXX or more in new money, leave it there for 90 days, and leave the account open for 6 months. Sounds straight-forward. What the offer does n't state is that in order to open a new account ( even if you 've held a Chase credit card in good standing, as I have for 12 years ), I was required to provide the following information. By required, I mean that the Branch Manager was firm that she would not open the account without this information. 
My Permanent Residency card ( " green card '' ) - I had to go home to get this before she would procede. ( I had already given her my Chase credit card, XXXX. Drivers License, and Social Security #, which she confirmed matched the info that she had on file for me already through my credit card. ) I brought back my XXXX passport, too, just in case. She said that she " was n't sure '' that she 'd need that. 
Name of my employer and annual salary Whether I own or rent my home, the amount of my outstanding mortgage, the name of the company that holds that mortgage, and the appraised value of my home Details regarding every checking, savings, retirement, and investment account that I have, not only which institution they 're at, but the dollar value of each Which other credit cards I carry, and whether I carry balances or pay them off monthly The process took a total of XXXX minutes, sitting at the Bank Manager 's desk. It became clear to me that this is no bonus to open a savings account. This is {$200.00} that 's being paid to mine every bit of financial information that I have. This was to open a simple savings account. I was providing Chase with more financial information about me than anyone else has, to sit in their database ... not for a loan, mortgage, or line of credit, but for a simple savings account. I think that Chase should have to indicate the breadth of information that they require in order to take advantage of their marketing offer. If I 'd known, I would n't have considered closing my savings account at another institution and switching to Chase. ( But once I 'd already invested that time, I wanted to take advantage of the {$200.00} bonus. ) I mailed a letter to Chase XXXX XXXX, but have n't had any response from them to date ( 3 1/2 weeks later ).
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

CHASE BANK SENT ME XXXX EMAILS THIS MORNING AT XXXX AND XXXX STATING THAT MY ACCOUNT AND AVAILABLE BALANCE WAS {$10.00}, BASED ON A {$10000.00} RETAINER FEE CHECK I DEPOSITED WITHIN THE PAST 48 HOURS. BASED ON THOSE XXXX EMAILS, I MADE SEVERAL BILL AND ONLINE PAYMENTS FOR A FEW XXXX DOLLARS, PLUS A CHECK FOR MY CHILD SUPPORT IN THE AMOUNT OF {$XXXX}. AROUND APPROXIMATELY XXXX THIS MORNING I RECEIVED XXXX EMAILS FROM CHASE TELLING ME THAT MY ACCOUNT WAS NOW XXXX. I CALLED CHASE BANK IN A MASSIVE STATE OF ALARM AND WAS TRANSFERRED 3-4 TIMES. FINALLY SOMEONE IN THE " FRAUD UNIT '' TOLD ME THE CHECK DEPOSITED WAS BEING " HELD FOR POSSIBLE FRAUD. '' I EXASPERATINGLY TOLD THEM THAT I MADE THESE BILL AND CHILD SUPPORT PAYMENTS BASED ON THE INFORMATION IN THE XXXX EMAILS THEY SENT ME THAT THE BALANCE AVAILABLE WAS {$10000.00}. 

XXXX IN FRAUD UNIT TOLD ME THEY RECEIVED A " ALERT '' AT SOME POINT THAT THE CHECK WAS GOING TO BE RETURNED OR REFUSED BY THE ISSUER BANK, XXXX. I ASKED HER WHEN DID SHE RECEIVE THAT NOTIFICATION ALERT, AND WHY DID THEY NOT EMAIL ME IN REAL TIME SO THAT I COULD ALSO NOT WRITE CHECKS OR PAY BILLS BASED ON THEIR INFORMATION, AND SHE HAD NO ANSWER. FURTHERMORE AND EVEN MORE EGREGIOUSLY APPARENTLY THEY ARE CHARGING ME A FEE FOR NEGATIVE ACCOUNTS. 

THIS WHOLE EXPERIENCE HAS OBVIOUSLY GIVEN ME AN XXXX AND THIS IS NO WAY FOR CHASE TO DO BUSINESS - THEY MUST ALERT CLIENTS IN REAL TIME TO AVOID FURTHER COMPOUNDING CUSTOMER MISERY AND CHARGING NEGATIVE ACCOUNT FEES. I WAS FINALLY ABLE TO RESOLVE THIS MATTER ON THE PHONE WITH " XXXX '' BECAUSE I AM AN XXXX AND KNOW MY RIGHTS WHEN THEY CLEARED THE FUNDS WITH XXXX, BUT AGAIN THIS IS NO WAY FOR CHASE BANK TO DO BUSINESS.
Consumer complaint received 2016-02-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (OH)

Chase is charging me overdraft fees for debit card items when I opted out of overdraft coverage. My card should be declining for these purchases ( XXXX XXXX, XXXX, and XXXX ( XXXX ). I have been charged overdraft fees because Chase allowed these to go through when I did not have funds available. Other banks such as XXXX, deny these transactions by card as they should when card transactions attempt to come through when funds are not available. This is very unfair of Chase to allow these to post instead of doing a normal card decline with no fee. I could see if these were ACH transactions, but not card transactions.
Consumer complaint received 2016-12-27
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Student Services (FL)

In an attempt to pay down my student loans, this company stated that they charge {$240.00} for the first two months in order to consolidate my loans. The following months I paid {$110.00} every month in order to pay off my student loans. I later found out that since all my loans were through the federal government, there is no charge to consolidate my student loans and in some cases consolidation is not necessary. I have since gotten multiple requests from XXXX stating that my loans have not been consolidated and when I contacted the agency to inform them of the notices, I was told that it takes a while to process and that the consolidation would show up. Nothing has shown up. I was also unemployed for a few months and when I contacted the agency to let them know, they never placed me on the deferment list and still took out the {$110.00} in XXXX. I attempted to contact " Student Service '' several times in order to resolve the issue but their phone line continued to go straight to voicemail. I also tried to locate original documents in an e-mail that only provided a link and now goes to an invalid page. 

To resolve this issues, I had to contact my bank, XXXX XXXX XXXX, to report the fraudulent activity and have them on permanent suspension of further deducting any money from my account. Once the issue was resolved at my bank and I received the funds, I FINALLY heard something back from " Student Services '' from someone named XXXX XXXX saying that my account with the agency was canceled. I have also checked on my government student loans and there have been no payments made to settle my debt. These instances occurred only because I was trying to relieve my debt prior to finishing XXXX school. It is extremely unfortunate to have agencies like this that exist to scam individuals solely wanting to pay off their student debts. 

Attached within this claim is the original agreement from Student Services and XXXX additional documents stating they would be taking out {$240.00} in XXXX and XXXX. Also included are my XXXX XXXX XXXX statements for XXXX, XXXX, and XXXX. XXXX and XXXX payments are listed on the XXXX statement together. 

At the bottom of each statement it lists the automatic withdrawals for the account. This company is listed as STUDENT SERVICES XXXX : RECURRING on each statement. 

XXXX Statement XXXX/XXXX/2016 for {$240.00} XXXX Statement XXXX/XXXX/2016 for {$240.00} XXXX Statement XXXX/XXXX/2016 for {$110.00} XXXX Statement XXXX/XXXX/2016 for {$110.00} XXXX/XXXX/2016 for {$110.00}
Consumer complaint received 2016-09-17
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Car Cage Motors Inc (CA)

I did a in house financing with Car Cage Motor The apr was set and added on to the loan The loan was a 18 month loan and I 'm 5 months into the loan And paid it off Car cage motor wo n't give me a breakdown for how the apr was calculated I have all the Documentaions for the loan I just do n't want to be rip off and takin for my money
Consumer complaint received 2015-11-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (AZ)

EXPERIAN I attached a screen shot trying to dispute XXXX items. The game they play is that if you ever questioned or disputed an account, like 5 years ago. The erroneously claim sanctuary and that they do n't have to validate the information. Please FINE them as much as possible 1- the first item is XXXX XXXX XXXX this loan was transferred XXXX, also listed on my report. the last payment made was in 2008 and the XXXX needs to be deleted as it is over 7.5 years since last payment. What EXPERIAN is trying to do is not acknowledge the transfer and showing it as a new account. NO sir/madam, FCRA does n't allow that. just because XXXX XXXX decides to transfer an account, does n't mean the history gets to start all over again. 

2-XXXX, this really irriates me, Experian Reports {$7000.00}, this account was either sold off or transferred but, I do know they received a large check from the court. Delete the entire history but, you ca n't continue to report a number that is false. I paid the BK court {$60000.00}, no way am I going to allow false and vindictive reporting to continue
Consumer complaint received 2016-01-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NY)

Today XXXX/XXXX/2013, I initiated a dispute of some negative items on my Experian credit report. I attempted to dispute these items but was unsuccessful. Experian claims these items are still under investigation yet the company continue to update negative information on each negative items. In addition to this each items investigation has not concluded in the 30 day time period.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NY)

I am complaining about experian not fixing XXXX items on my credit report that are reporting incorrectly. I have submitted additional information that I received from XXXX bank who holds these XXXX cards ... .. ( XXXX and XXXX account ). The letter states to remove the deragtory remark and accounts should be listed in accounts that are in good standing. With this incorrect information on my accounts it is having a negative effect on my credit score which is affecting me in obtaining credit. They need to not just yes me and fix this issue.
Consumer complaint received 2017-03-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

I have been working on a HAFA short sale with Loan Care for over 90days and I was never able to get through to one of the processors on the file. Every time I called I was told that there was another document that was needed but no one ever called me to request that document. Immediately after I found out what was being requested I submitted it right away. 
Recently on Monday XX/XX/XXXX the property got foreclosed on and the lender refused to try and stop the sale date.
Consumer complaint received 2017-02-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

My home is being sold with a closing date of XXXX/XXXX/2017. I was sent a letter dated XXXX/XXXX/2017 saying my home loan was being transferred from XXXX Mortgage to Loancare a service link company effective XXXX/XXXX/2017. 

The closing title company called the new mortgage company about 7 days before closing to inform them that they would need a payoff statement from them on XXXX/XXXX/2017. This has not happened. I have contacted Loancare multiple times and been told that it may take XXXX10 business days before they are able to provide this, I have confirmed with them that interest is compounded daily and therefore this XXXX10 day delay will be costing me money because they are not able to give me a payoff statement. 

I have spoken with several individuals, several supervisors, and XXXX manager who do n't seem to care that my home closing is on XXXX/XXXX/2017 and simply say that it is bad timing, every time someone says they will call me back I do not get a call. There MUST be a way to create a loan payoff statement so that I am not charged beyond the date that I am willing to payoff my loan, if there is not IT IS THEFT!
Consumer complaint received 2016-06-11
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (MO)

My boyfriend and I have an account with US Bank for about 4 years. At first we were extremely satisfied and often told our friends and family how great our bank was. But in the last year or so, it has become increasingly noticeable how many fees we have been charged. After minimal research online, I found US Bank has a history of reordering transactions to maximize their own profits. Last month alone we accrued nearly 15 % in bank fees/charges when compared to our household income. And for this year we have been charged a total of {$2100.00}. In XXXX we decided to try a new bank that did n't have a reputation for immoral ( but apparently legal ) profiting strategies. We have yet to officially close out the account as we are still unsure about our new bank. Last month I wrote XXXX checks out of the US Bank account and transferred funds to cover what was overdrawn and also enough to cover XXXX of the checks and half of the other. But once again, the transactions were reordered, returned ( fee ), tried again, returned ( fee ), etc.. Until overdrawn ( fee ), returned, tried again, etc ... Now I have XXXX outstanding checks and an overdrawn account ( including extended overdraft fees ). I am shocked by US Banks behavior and feel taken advantage of.
Consumer complaint received 2017-01-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (WA)

My auto loan service provider refuses to follow specific instructions regarding applying additional loan payments to the principal instead of next month 's payment. I have sent instructions via AutoPay from my bank and called to ask that my payments be applied to the principal, but that still has n't been done.
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (NV)

XXXX automatically charged a product to my credit card account. This had happened before and at that time I called and cancelled my card and received a new one with a different card number. I inform XXXX that I did n't want them automatically charging to my account. It happened again in XXXX, 2016. The credit card company allowed XXXX to charge to an account that did n't exist, they transferred the charge from my old card number to my new one. When I called the representative of the credit card company they said they could n't do anything except challenge the charge. I did that. 

I just received another bill from the credit card company stating that I owe {$85.00} for the XXXX charge, plus a late charge, plus a minimum interest charge fee. I feel like I am being harassed. I closed the account, yet after taking to a representative a second time they said they ca n't close the account. I spoke with a supervisor and they were no help at all. I called XXXX and received a refund on XXXX XXXX, 2016. They told me to contact the credit card company and give them this number : XXXX or XXXX. 

I sent all of this information to customer service in XXXX, ND.
Consumer complaint received 2016-11-27
Product: Credit card — 
Issue: Other — 
Company: U.S. BANCORP (TX)

I have a FIDELITY REWARDS SIGNATURE VISA through Fidelity XXXX XXXX. My credit card number was stolen and used to make XXXX unauthorized purchases on online at XXXX XXXX. I noticed this on XXXX/XXXX/16 when I saw the charges " pending '' on my online account at Fidelity. I reported this by telephone to my credit card company on XXXX/XXXX/16. ( My credit card is through Elan Financial Services. Elan Financial Services is affiliated with Fidelity XXXX XXXX. The " rewards '' on the Visa card are reimbursed to my Fidelity account. 

My credit card was appropriately cancelled by Elan / Fidelity and a new one was issued immediately. I was told the charges would be reversed. When I checked online a few days later, I noticed the charges were not reversed and, instead, had posted to my account. So I called to ask why. I was told that a fraud investigator was working on my case and that I would receive an affidavit in the mail to sign and confirm the charges were fraudulent. Until then, the fraudulent charges would remain on my account. 

On XXXX/XXXX/16, I received a letter ( dated XXXX/XXXX/16 ) stating that my fraud case ( # XXXX ) was closed, because " the transaction ( s ) has neither posted nor been deducted from your account. As a result of the transaction ( s ) not posting to your account, we are closing our investigation and you will not be receiving affidavits to complete and return as there is no further action to be taken. '' I looked online at Fidelity.com and found the charges still showed as posted to my credit card account. 

I called and, after multiple representatives, and asking for a manager, a manager in the billing department ( " XXXX '' ) got on the phone. He put me on hold for a while and came back saying he had talked to the fraud department. He said that a fraud investigator had not yet been assigned and that the letter I received was " computer generated, because nothing had happened on my case. '' Made no sense to me, but I told him I was assured two weeks ago someone had been assigned. He could not explain that, but did say that a fraud investigator was going to be assigned. 

Feeling suspicious now, I asked to be connected to the fraud department so I can confirm this new story. XXXX says that I wo n't get the same person, so I wo n't get the same story. Makes no sense. But I finally get a hold of the fraud department and am now I 'm told that an investigator HAS been assigned since XXXX/XXXX/16. 

The problem is that I have a letter stating that my case is closed and that the charges I denied having authorized have not been posted, but the charges ARE still posted. And I 've now been told XXXX different stories by, I 'm certain, well meaning people. But Fidelity Financial Services / Elan Financial Services have me in limbo. I file my fraud case, they " investigate '' and tell me the charges have n't posted, and my case is closed. But the charges ARE posted.
Consumer complaint received 2015-08-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANCORP (KS)

I have an account with US Bank and my husband and I have been with this bank since XX/XX/XXXX. We recently got married XX/XX/XXXX and ever since then my account issues started. I got a new debit card with my new name on it and they wont allow me to go over {$500.00} when our rent is well over {$1000.00}. I have to now write a check through online bill pay in which they sent out but then returned it because I did n't have {$25.00} in our account. After taking my entire lunch to straighten it out the rep said it was the banks fault and took the return check fee off our account. I was so upset and advised her of this and she said she does n't get why I am upset they did me a favor!!!!??? Keep in mind my rental office wont allow me to send in checks now that this has happen. The rep told me we can do overdraft protect for just online bill pay and checks so our bills can be paid and put a " No '' for overdraft for our debit cards I agreed. Well today XX/XX/XXXX I get another return check for my husbands student loan payment because our account was {$46.00} negative. I speak to a XXXX and he tells me its at the banks discretion which was never told me by the previous rep. You would think since we have been with this bank since XX/XX/XXXX and have multiple accounts with them they would cover {$46.00} overdrawn check. I spoke with a manager XXXX who had no compassion at all and told me they sent me a letter telling me the details of this which we never received. I am fed up with this bank and will be closing our account ASAP!
Consumer complaint received 2017-01-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC (NC)

In XX/XX/XXXX, I refinance my VA backed mortgage with XXXX XXXX XXXX , XXXX A wholly-owned subsidiary of XXXX. When we started the process the sale point was to lower my interest rate. I was told because I have a VA loan and the Safe Harbor Act I could not get an IRRRL. Which I did not understand why because, I was not or had been 30 days within 6 months late on any of my debts to include the mortgage. 

I am a XXXX Veteran, at the time I was under a lot of stress and went along with what I was told. The loan was transferred to 360 Mortgage Access for servicing. Then my nightmares began. My loan started out with a payment of {$1200.00}. In XX/XX/XXXX, 360 conducted n escrow analysis and lowered my payment. However they left out my city and county taxes. Once they caught their mistake, my payment went to {$1600.00}. Because they had to recoup the negative escrow amount from their mistake. When I called to workout a different payment arrangement for the negative escrow amount because it caused me a severe hardship. The customer services reps on more that one occasions told me to short sale my house ( with a giggle ). I did not see the humor nor did I think it was professional for them to have such an unprofessional approach to my issue. I suffered through XX/XX/XXXX paying the extra amount by borrowing from friends and relatives. XXXX would not consider a HARP or any other solution. Either XXXX or 360 Mortgage Access or both have predatory business practices. If I was not a Veteran this would not have happened. Now, the most egregious is the fact 360 stated they would conduct another analysis in XX/XX/XXXX and my XX/XX/XXXX payment amount should be lowered ... AS today the action has not taken place. They are still billing me for the extra escrow amount!
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

This is a continuation of my previous case # XXXX. My mortgage company, PNC, is offering to extend my loan term from XXXX to XXXX, increase my rate from XXXX to XXXX. They claim my monthly gross income is {$11000.00} when in reality my gross monthly income is {$2300.00}. and my expenses including mortgage is {$3300.00}. During the application process I sent over XXXX pages of information. They knowledge my application was complete, however, the still requesting documents I have already sent. 
I am sending partial documents to support the information above.