davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (MD)

XXXX XXXX in North Carolina erroneously charged me {$270.00} in fees for doctors appointments in XXXX and XXXX XXXX that resulted in XXXX collections accounts being sent to Optimum Outcomes Inc. Optimum Outcomes listed these accounts on my credit file in early XXXX. After contacting XXXX XXXX 's billing department to research the erroneous charges, they pulled the accounts out of collections and closed them/zeroed the balance ( to date, their systems show these accounts as closed ). It was also updated at Optimum Outcomes to show the accounts were resolved/closed. At the time, these accounts were removed from my credit file. 

In XXXX XXXX, these accounts reappeared on my credit file ( I was given no notice via mail or phone that these accounts were reopened or there was an attempt to collect a debt ). In late XXXX, I called XXXX XXXX 's billing department and XXXX XXXX confirmed the accounts were still closed with them and they had not taken any further action. I contacted Optimum Outcomes and was told their systems showed the accounts as closed. They advised me to contact the credit bureaus to dispute the items as they had no explanation for why they reappeared. I disputed with all XXXX bureaus. XXXX researched the dispute and informed me that Optimum Outcomes responded to their inquiry stating the accounts were open and unpaid. 

These accounts were closed in early XXXX, there is no reason why they should be open as I do not owe XXXX XXXX or Optimum Outcomes any balance. 

This has negatively impacted my ability to refinance my home as my credit score has dropped dramatically. I can no longer secure the rates that would have been available to me before my score dropped.
Consumer complaint received 2016-01-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

I have written numerous times regarding my issue with JP Morgan Chase. I am writing again to let you know thag I am still NOT satisfied and they have done absolutely nothing to help resolve the issue. While they have already moved forward and sold the property I have written about and reported to every organization possible I want some sort of resolution. While we have tried for what turned out to be several years to get a simple loan modification on our home they continously asked for the same documents over and over again when I sent them as soon as they were requested, the law firm that was trying to help me get the modified at ion sent them as well. They claim that I did not send them in a timely manner and they also basically accuse me of lying when I told them that a representative of JP Morgan Chase would not accept a temporary payment when I called to make XXXX after doing it for several months. I gave them all of the information of who I spoke with and the number I called and everything. 
AGAIN, I AM NOT SATISFIED WITH THE FACT THAT THEY WILL NOT DO ANYTHING TO RESOLVE THIS MATTER. THEY SCREWED UP AND THEY KNOW IT BUT WILL NOT INVESTIGATE IT WITH THE INFORMATION THAT I HAVE PROVIDED TO THEM. 
I will not stop writing and reporting this to anyone and everyone that I can. It is not right that they can just XXXX over their so called customers like they did us.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

My mortgage company is refusing to remove my PMI insurance even though I meet the XXXX rule. I received a new Appraisal on my home and the new ratio is 77 % on the loan balance. The ratio is 79 % on the original loan amount. I have tried numerous times to get this removed and am getting the runaround. My last call they told me it had to be 75 % which I have never heard before and they can not show me where it states this. In my loan paperwork it states 80 %. No one is returning my calls and customer service claims they cant help me - the Escrow Dept only can, yet they do not have any direct way to get in touch with them. Someone is supposed to call me back and no one is - I 'm at a dead end.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (VA)

I did n't pay off my credit card in full last month ( XX/XX/XXXX ). The bill was {$7200.00} and I paid off {$4000.00}. Normally we always pay this bill off completely. When I calculated the interest we would owe, I based it on the remaining amount due, {$3200.00}. When I received my statement for XX/XX/XXXX, I discovered I was charged interest on the amount I had already paid ( $ XXXX ) plus the amount I did n't yet pay ( {$3200.00}. ) Is a credit card able to charge interest on an amount I do not owe? A second question : I was planning on paying the remaining amount off today, prior to the XX/XX/XXXX due date ( that 's why I 'm catching this now ). If I pay the amount of {$3200.00} off today, is the same amount of interest charged? My annual rate is 15.74 %. Does n't annual mean 365 days? 
Thanks, XXXX
Consumer complaint received 2015-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (VA)

I have had a mortgage from Chase Bank in the past and was satisfied with it so I decided to try and refinance with Chase Bank hoping for similar results. I paid a {$500.00} upfront fee which prevented me as a consumer from shopping around for other loans. I trusted that they would finish my refinance in a timely manner and handle my personal information with care as they had done in the past. 

I received very poor service after Chase Bank knew I could not shop around for another loan. I had to call multiple times weekly to get the underwriter to work on my loan. They would then drag their feet and ask for more documents which I had already sent them. They lost several sensitive documents concerning my financial and personal information. I have completely lost confidence in their ability to handle my sensitive information. 


I was told XXXX/XXXX/15 that it would take 7-10 days to process my loan. It has been almost 90 days and the percentage rate I have locked in is almost expired and it does n't look like I will be able to refinance due to Chase bank not responding to my request to work on my loan as well as losing sensitive documents with my personal information. Now I can not trust them to finish my loan, or handle my information, and at the present time wo n't refund my {$500.00}. 

I have recently found other loans a quarter of a percent lower with closing costs covered. I found out none of the other loans offered to me had an upfront fee which would prevent me from looking at other loans like Chase Bank required and thus preventing a free market for the consumer.
Consumer complaint received 2016-06-16
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (OH)

XX/XX/2009, I was forced to file Chapter XXXX bankruptcy. None of my payments were ever late. I spent my savings down making payments before I filed. I had a home equity line of credit with Chase Bank. This year as so many have done, I tired to settle with them. I know of successful settlements from XXXX-XXXX % and know of some mortgages being extinguished but they would not settle with me. The government sued them and then turned around and gave them the money and power to decide who to settle with. A fox in the hen house situation. In the meantime, my home is falling apart. My XXXX mortgage is current. Because I filed Chapter XXXX, JP Morgan Chase is not permitted to use collection activities on me. However they continue to call me and as soon as I answer, they hang up. I called the collections agent, XXXX XXXX ( XXXX ext. XXXX ) and he was very rude and snide and told me amongst other rude comments if I do n't like it to call ( hire ) a lawyer ( which I can not afford ) even when I told him that what they are doing is illegal according to the Fair Debt Collections Act. I was previously trying to settle with them in good faith because my house is falling apart and is worth nothing to them however they still illegally call and harass me about it. I am a XXXX person with stress and anxiety issues and lost a lot of income and if they wo n't settle with me, I sure do n't need them calling me all time reminding me I am imprisoned in this situation. 
When Chase approved my HELOC, they valued my house way over what the value would ever be leading me to believe if they worst did happen that I would be able to get out of it with some equity which was false. My home will never be worth what they appraised it at. They also cut off my ( and many others ) HELOC without notice with a settlement to consumers of {$35.00} which I refused. I report all of these things because Chase feels they are above the law and have been censured in courts for these types of actions yet they continue to practice them illegally. I take photos of the calls on my cell phone with their number as an incoming call and have quite of few of them to take to court if need be. They can be fined {$1000.00} for what they are doing but I wanted the government to also censure Chase for what they are doing illegally. Thank you.
Consumer complaint received 2017-03-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my newly opened account with no explanation and is now holding my entire deposit for ten days. The deposit is {$8500.00} dollars that I ca n't access. They should not be able to hold my money. I did n't even get A reason. I want my funds and I want to be able to pick it up, not mailed.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (NY)

I contacted Chase bank, my current mortgage loaner, to refinance my loan - about 2 months ago. I know I qualify for at least 1 % less than the rate i have now and also they wo n't quit taking escrow money from me on this loan even though i have paid off more than 20 % of value of the property - so i want to refinance ASAP. They gave me the rate and the terms I was asking for in conversation over the phone, but then sent me paperwork with a higher rate. It took them two weeks to correct this. The process is just dragging, they keep coming up with new papers that I 'm missing and that are delaying the refinance approval. I was told weeks ago that my application is with the underwriter and that 's the last i heard from them. Their lawyer and appraiser contacted me the XXXX week into the process but i had to stall everything due to the bank 's disinterest and unresponsiveness. My locked in rate is due to expire in two days and they have not responded to my last XXXX emails in the last 10 days. I want my lower rate now!!
Consumer complaint received 2016-10-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (AZ)

I have called Chase on multiple occasions to confirm their process on overdraft fees and was consistently told pending charges process at XXXX eastern ( one person even said XXXX ). I have on at least 3 occasions now been charged overdraft fees for charges listed as pending after this time and for which a deposit was made. excuses range from 'that shouldnt have happened ' to 'your deposit was pending '. I have never been charged an overdraft fee or been denied access to funds when my direct deposit hit, so I do n't know they are consistent in answering this. To date I have paid at least {$170.00} fees in this manner, where a charge is listed as pending after their processing time, a deposit is made, and I am still retroactively charged an overdraft fee. I have also paid fees, even after Chase 's settlement, for their stacking of charges to maximize overdraft fees.
Consumer complaint received 2016-08-04
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

Chase has been reporting past due payments to XXXX, XXXX, and XXXX. The reason is because Chase place a forced insurance on my note, when I already had homeowners insurance. I sent them proof of insurance and they corrected the problem in their system, but left me with past dues on all XXXX reporting agencies. I asked the mortgage department for help and they said it would be corrected in 60 days. This is totally unacceptable and needs to be fixed asap, because I am refinancing my home. They gave me a wrong fax number to send my complaint to and it was XXXX and I just found out today that it should have been sent to XXXX. This is totally unacceptable. My chase mortgage account number is XXXX. Please help with this issue
Consumer complaint received 2016-07-30
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (TX)

I received a solicitation from one of my old credit cards, Chase Slate 0 % promotional rate for a year. The usual pitch. Take advantage of low 0 % promotion, transfer balance or large purchases. 
So I bit and once again Chase has bitten me in the XXXX! My first payment is {$610.00} MINIMUM! I have purchased other cards with less balance that I had with this one and the most I have ever payed for a minimum was {$250.00}. Now this is n't the first time this has happened with Chase. They had a class action law suit against them a few years back for the same thing. Before the bottom fell out in 2008 I had a couple of balances with 2.99 % & 4.99 %. I never purchased anything just transferes were put on. well after a few years they upped my minimum from something like {$55.00} up to {$700.00}! I thought i would take a chance with them again because they had gotten sued for that behavior. Surely they would n't do it again. Boy was I wrong How can a credit card company with any conscience tell you to come to them and they will help you with that high balance oh but by the way we 're gon na XXXX on your minimum payment and make it so high you 're gon na find another card to go with and by the way thanks for that {$360.00} balance transfer fee. I 'm telling everyone that will listen NOT TO DO BUSINESS with Chase slate.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WA)

TO WHOM IT MAY CONCERN, I have never given you any verbal or written consent to report anything on my consumer report. NO CONSENT IS IDENTITY THEFT. A copy of the law is attached with this dispute and complaint.

15 USC 1681b PERMISSIBLE PURPOSE OF CONSUMER REPORTS ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have NOT given you permission to access my credit profile and you have no permissible purpose BY LAW to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You do not have any permissible purpose to furnish my personal information to any third party.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (OR)

I recently purchased my XXXX home. This is all new for me since I had to work hard to build credit. I was informed that It would be convenient to have my home owners insurance included in my escrow payment. I had insurance through XXXX, and canceled it for this reason. I assumed the policy was the same coverages. No one from either JP Mortgage, Chase Bank reps, or the insurance company explained the policy to me, or what coverages were. No one even. Called me. Our house recently burnt down. It has been almost 3 weeks, and the insurance has just contacted me with settlement to repair house ; not rebuild. They even want to place new counter tops on the burnt cupboards. The insurance rep went on vacation prior to finishing my claim. While my family and I suffered, and scrambled to find somewhere to live. JP Mortgage has yet to contact me. We have had no financial suport, or help with a place to live, clothing, or food. My husband is very I 'll, and lost all his medications in the fire. He had to cancel a XXXX. Attached are pictures of the burnt house, and the others are what we had to resort to live in. WE LOST EVERYTHING. I feel that nothing was explained to me, and I was misrepresented. For this my family and I have suffered. There are rats where we have to live. No kitchen. Filthy conditions. Now our house is not going to be rebuilt, nor are our personal belonging replaced. Please review pics. Thank you.
Consumer complaint received 2017-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NY)

I was not properly notified when I was required to renew my income based repayment information and {$1700.00} was withdrawn from my bank account, when I normally pay {$130.00}. After speaking with Nelnet they told me they were unable to refund any portion of my payment.
Consumer complaint received 2015-05-08
Product: Consumer Loan — Title loan
Issue: Charged fees or interest I didn't expect — 
Company: Westlake Services, LLC (CA)

Contact a car title company then received calls from Wilshire Consumer Credit unknowing they were a cold call marketing scam company where they indicated 9.5 % then came to deliver contract in the evening received documents showing an undisclosed percentage with check of {$2500.00} then they after received XXXX payments they stated I signed and initialed for 95 % annual interest rate and my payoff is more then borrowed unless I pay off after 24 months. After I contacted them they said other fees applied like daily interest rate along with payoff fees, administration fees, and only {$33.00} dollars go towards loan but the daily interests is charged XXXX. I need to see what I can do to fix this problem to get my vehicle cleared
Consumer complaint received 2016-05-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WI)

I applied for a Citigold Checking Account XX/XX/XXXX with a promotion to receive XXXX AAdvantage Airlines Miles upon completion of the requirements ( {$1000.00} debit card spend, 2 monthly bill pays in sequential months ). I talked to Citi on the phone on XX/XX/XXXX and the representative confirmed that I had met the requirements and that I would receive the points by XX/XX/XXXX ( within 90 days ). However, I have not yet received the points and Citi is claiming that I am not qualified for the promotion. They are delaying and rejecting my requests which is costing me additional monthly fees for the account.
Consumer complaint received 2015-10-12
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (AL)

I bought a {$2300.00} refrigerator and a {$2000.00} washer/dryer from Home Depot on a promotion in XXXX 2014. They never sent me a paper statement because I was enrolled in " electronic '' statements. Whenever I received an email, I would just logon and pay my bill. Suddenly, i am billed right at {$1500.00} for deferred interest. When I downloaded my statements, none of my payments went to the promotion for a whole year! Has this happened to you? When they charged me {$1500.00} in interest, it put me way over the credit limit XXXX which they lowered unbeknowst to me XXXX. This is probably the most shocking thing that has ever happened to me as a consumer.
Consumer complaint received 2017-03-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NJ)

I opened a Citi Checking account online. Afterwards, I have so much trouble to set up the online access. After several hours of calling and spending on the phone, I finally gained access to my checking account. Citi disclosed that it has encountered technical problems which lasted almost two weeks. 

However, when I tried to link the my Citi Checking account to my another bank account, Citi bank asked several questions trying to verifying my identity. The questions are all pertinent to my XXXX children. I have not been in contact with them for almost twenty years and I have no idea when they are. Because I cant ' answer the questions pertaining to my children, I was denied the link to my other bank account. 
The questions chosen by Citi Bank are arbitrary and capricious.
Consumer complaint received 2016-10-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (KY)

I have a CITI Bank Diamond Preferred Card. There are two different instances were I was charged a late fee that was not suppose to be charged and CITI reported both of them to the Credit Bureau. Which Negitavly effected my credit score. Dropping it from a XXXX to a XXXX. I have reached out to CITI multiple times and after waiting 2 weeks was just informed they would not remove them. Both instances were a mess up on their part not mine. The first in XX/XX/2016 and the wrong banking account was charged. They charged a bank that was no longer active. Failed to inform me until 2 weeks after the fact when they called and asked for my payment. Then XX/XX/2016 they charged the correct account, but did it the wrong way and the funds were returned. Causing yet another late payment and issue. I was never informed this would be reported to the credit bureau. It should not have been. Neither payment was more than 30 days late. I followed all the steps, corrected the problems as soon as I was notified about them and with no help from CITI. They claim everything was valid. All I want is for these XXXX mishaps to be removed from my credit report. I am trying to buy my first home and this is greatly hurting me.
Consumer complaint received 2016-05-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WI)

I applied for a Citigold checking account in XXXX 2015 with a promotion that if I open the account and use their bill pay feature for 2 months in a row I would get XXXX Thank You Points. I completed all of the requirements and then chatted with a Citi representative to confirm that the bonus had been applied. I was told it had and only had to wait 90 days for the points to post to my account. After waiting, the points never posted and thus I messaged Citi again to see when they would post. I then got an email from Citi stating that no points would be given as no bonus had been applied to my account. After being told I would be given the points, waiting and then finally not being given the points I signed up for, I feel this was not fair and thus wanted to file a complaint.