davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

Good Morning, I am wanting to advise of an issue that I was just alerted of regarding Chase Bank. I have XXXX accounts at this institution and my daughter was making a purchase at a retail store where her credit card was denied. I called Chase to find out the issue of what was wrong and they advises that our account was in loss prevention and no are no longer wanting to do business with us. I asked why and they proceeded to tell me they do n't have to disclose a reason as they are able to close accounts when they want and the reason that they have is in an internal reason and they are not able to disclose to me why. I basically asked the representative at Chase so u mean it is a big secret and he said basically yes and they will send me a check of the remaining balance in the mail in 10 days or I can go to a branch and get my money. I am at a loss for words as now I have XXXX which are accounts for a XXXX XXXX and a XXXX student where we have to figure out in a blink of an eye what our next step is. We have to stop 4 direct deposits and because what we are blue collars workers that live paycheck to paycheck and are not profitable to the bank we get the axe without any for warning. My account does not have suspicious activity. All my deposits and withdrawals are all associated with a name/place whether I use my atm card or have it directly withdrawn from my account. I work and pay bills and ensure my children 's accounts are ok and transfer money to and from of needed so everything is labeled. I think freezing someone 's account without warning is not a proper way to do business especially if we are not profitable and then proceed to say they ca n't disclose the reason why. If they feel I am doing something wrong why not advise me so it can be straightened out which is why I think it boils down to the bottom line that we are not beneficial to this XXXX dollar institution. I now need to take a day from work to go to the bank to get my money and open another account with needing to stop electronic deposits and withdrawals in a rush all because we do n't fit the ideal customer they are looking for but the business account I have my name associated with as I am a signor for our XXXX XXXX is still ok to stay open with hem because of the high balance. 

Thank youXXXX XXXX
Consumer complaint received 2016-08-16
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (UT)

I contacted Chase ( JP Morgan Chase and Co ) on XXXX/XXXX/16 and was told that the total balance was {$6900.00}. This amount was paid on XXXX/XXXX/2016 and Chase was instructed to close the account. The account remained opened and purchase interest charges were assessed on XXXX/XXXX/2016 and XXXX/XXXX/2016. There is now a balance of {$72.00} on an account that was suppose to be closed after the final payment was made.
Consumer complaint received 2016-05-21
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NJ)

I have filed a complaint before - Case # XXXX. I was hit with a " double whammy '' yesterday, XXXX XXXX/XXXX/16, with NOT 1, BUT, 2 harassing letters from JP Morgan/Chase, demanding that I pay THEM MORE MONEY, AFTER, I HAD SENT THEM A CHECK IN THE AMOUNT OF {$49000.00}. ALONG with a letter stating that this was PAYMENT IN FULL AND I WOULD NOT PAY ANYTHING ELSE!! BUT, JP Morgan/Chase is STILL HARASSING ME FOR A MERE {$35.00}!!!! IF THEY HAD N'T BLOCKED MY ABILITY TO PAY ONLINE, AS THEY HAVE, THEY WOULD HAVE GOTTEN THAT FINAL PAYMENT, THE DAY THE STATEMENT WAS RECEIVED!!!! BUT NO, I HAD TO SEND THE PAYMENT VIAL " SNAIL MAIL ''!!!!!! AREN'T/CA N'T THEY BE SATISFIED WITH THE $ XXXX I SENT THEM TO PAY OFF THIS DEBT?????? THIS IS NOTHING BUT HARASSMENT ON THEIR PART!!!! WHAT NEXT??? THEY ARE GOING TO FORECLOSE ON MY HOUSE FOR A FREAKING {$35.00}??? IT 'S THEIR FAULT THAT THEY BLOCKED MY ABILITY TO PAY ONLINE AND TO SEND THEM EMAILS!!!! I 'VE HAD IT WITH THIS FRADULENT BANKING CORPORATION!!! I TOTALLY REFUSE TO PAY THIS {$35.00}!!! WHAT THEN?? AFTER I PAY THAT AMT. THEY ARE GOING TO COME AFTER ME FOR MORE MONEY FOR PADDED, BOGUS FEES, WHATEVER???? I 'VE HAD IT, AND I 'M GOING TO TAKE A STAND, EVEN IF YOU ARE NOT!!!! I 'M SO XXXX AGAINST THEM, AND, HAVE XXXX & TIRED OF THEIR INTIMADATON, HARASSMENT, AND THREATS, IT IS N'T FUNNY!!!! THIS BANKING ORGANIZATION, JP MORGAN/CHASE, AS I HAVE FOUND OUT, HAS HAD NUMEROUS COMPLAINTS AGAINST THEM AND THEY HAVE BEEN ACCUSED OF FRADULENT BANKING PRACTICES!!! BUT YOUR ORGANIZATION IGNORES/TURNS A BLIND EYE TO THAT??? WHY??? BECAUSE THEY 'RE A HUGE CORPORATION AND YOUR AFRAID OF " TAKING THEM ON ''?????? I have been going through their XXXX for almost 1-1/2 YEARS, AND I 'M TIRED OF IT!!!!
Consumer complaint received 2016-05-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CO)

A debit card transaction appeared on my checking account for the amount of {$190.00} charged by XXXX XXXX/XXXX/2016 at approximately XXXX MDT. 
XXXX XXXX MA XX/XX/XXXX {$190.00} I contacted the card issuer, Chase Bank, and reported the fraudulent transaction.
Consumer complaint received 2015-07-27
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (VA)

Issue with Chase Credit Card : For the last week, I had been receiving calls from an unknown number, when I would n't answer they would leave a blank voicemail. On XXXX, I got frustrated and actually picked up the phone and got an automated message from Chase XXXX that my account is XXXX days past due for a charge of {$200.00} of which {$75.00} is late fees? Wait, back up a minute:1. I did n't even know I had a chase card? 
2. After XXXX hour of being transferred from XXXX department to another ( none of which can verify the transactions on my account ), I get hung up on. 
3. So, I call again and after being on the phone for another hour ( transferred from fraud to Collections to Customer service to Credit Bureau ) I am told that there is prime membership charge of {$100.00} from XXXX ( meaning the rest of the XXXX is late fees )? Why XXXX chose to charge it to that card when my default card is XXXX is beyond me. 
In any case, up until today, I did n't even know I had a chase card. What I tried to explain to all the different reps on the phone for XXXX hours ( who were just trying to get a payment out of me ) is that I would be more than happy to pay the charges. BUT, I am not okay with them XXXX my credit. I got NO statements because I was not even aware I had this card. They are playing with my credit that I have worked hard on for XXXX years for {$200.00}? I tried telling them so many times I want to make a payment but save my credit and they will not listen. From asking me to call the credit bureaus to calling USPS they want me to go through that entire ordeal for {$200.00}? Finally I am transferred to XXXX, supervisor in credit research who listens to my situation and agrees that this is not my fault and promises me ( please listen to the call ) that my credit will be fixed and she will remove the negative reporting from my XXXX and call me back on XXXX. I make the payment, and hang up. Today is monday, XXXX and I have still not received a call back. So, I call chase and talk to XXXX, their cbr specialist who tells me that my request was never approved and that i have a XXXX day, XXXX day and XXXX day report on my credit. I am in tears .. My credit score was XXXX, I have worked vry hard for it. I am originally from XXXX and moved here at the age of XXXX and have worked really really hard for it. Please do n't let them ruin this for me. I have NEVER missed a payment in my life and did not reach the XXXX score by missing payments. Need help, please help me save my credit, CFPB.
Consumer complaint received 2015-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (CO)

I applied for a Jumbo refinance of the home I have lived in since XXXX to reduce my interest payment amount and consolidate a XXXX with Case Bank. I make XXXX a year and have a 20 % debt to income ratio. 
The underwriting department held corporate debt which is paid by mycompany against my personal income and subsequently after a XXXX monthprocess declined the deal. 
In that time the interest rate went up almost one half a percent. 
During the whole process their private investigation company hitMy wife 's credit report so many times that it dropped her credit scorefrom a XXXX to XXXX in XXXX days. Chase Bank should be appalled at theirincredible incompetence when it comes to accurately reviewing financialInformation correctly. Their Mortgage department is a joke.
Consumer complaint received 2015-08-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Lien Enforcement Inc (CA)

I have never been contacted by the company claiming the debt and I have never requested or contracted any services from them. I saw them on my Credit report and they have never attempted to contact me and will not respond to my demands for proof of debt.
Consumer complaint received 2015-04-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (MD)

For over a month now ( today is XXXX XXXX, 2015 ) I have been getting credit card offers for XXXX XXXX XXXX, XXXX. I have requested by phone and have mailed back each mailing ( about XXXX ) that this person is DEAD and has NEVER lived at my address!!!!! It is DISTURBING and DISRESPECTFUL and EMOTIONALLY TRAUMATIZING to continue to receive these credit card offers in the mail!!!!!!! The amount of offers sent is ridiculous to begin with. The fact that my phone and mailing requests to STOP is beyond disturbing! I WANT THEM TO QUIT MAILING THIS TO MY HOUSE!!!!!!!
Consumer complaint received 2017-02-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

Someone I do n't know wrote XXXX checks and practically emptied my checking account with Chase Bank ( the XXXX checks totaled {$4700.00} ). My checkbook was not stolen or lost. And the XXXX checks written fraudulently have numbers of checks I have blank and in my possession. 
I 've had the same account number for more than 35 years, never a problem. 
I reported the problem to Chase the same day they sent me a warning text about my account being low ( XXXX XXXX, 2016 ) and they said they had up to 30 business days to investigate. They have not kept me informed of the progress of this claim even though I 've called them numerous times to check on it. And they have blocked access to my account on line, so I can not longer review any information ( I closed the account, but still need access to activities prior to it ). 
I have reported the theft to the police, and Chase promised an escalation when I told them this. But yet I have learned nothing about my money. 
I 'm a XXXX. I need my money back! Almost {$5000.00} is not small change! 
The bank victimized me twice already, first by accepting and cashing XXXX fraudulent checks ( my signnture is fake, a close look to recent checks would 've told the teller that ), and then by making me wait for months for a yet unknown resolution.
Consumer complaint received 2016-05-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (CA)

I have a Home Equity Line of Credit with Chase. After I completed a loan modification with my mortgage in 2011, Chase tried to coerce me to do a loan modification on my loan with them. I refused because of the low interest rate. They then repeatedly called me to say I was late or had missed a payment, I knew I had not and when I asked them to indicate when I had been late or missed a payment they were never able to confirm that I was. After reporting to the credit agencies that I had been late 5 times on my monthly payments they forced through a loan modification without my approval and added well over {$2000.00} in fees to the loan.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC (IN)

I had an outstanding balance on my XXXX account. The debt was placed for collections with XXXX XXXX XXXX , XXXX. I agreed to a debt setllement with XXXX for XXXX of the outstanding balance. The last settlement payment was made on XX/XX/XXXX. XXXX shows my account as settled with a XXXX balance. I received a letter from them that the account was now closed and they would inform their client that the settlement was paid. XX/XX/XXXX, I received a collection notice from Allied Interstate LLC for an amount of XXXX for the same XXXX account. I have contacted them on several occasions and also mailed copies of my completed settlement letter from XXXX and they still call my work and home phone several times a day trying to collect on this debt.
Consumer complaint received 2016-08-26
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (NY)

I made a purchase using my Discover Card in the amount of {$1600.00} in XXXX 2016, which I have an active balance transfer on already. I made a payment of {$1000.00} on XXXX XXXX and the company I made the purchase from refunded the tax of the item in the amount of {$130.00} on XXXX XXXX in XXXX 2016. I noticed on my next statement ( closing date of XXXX XXXX ) that my purchase balance that was accruing interest was {$730.00}, which seemed incorrect to me because of the previous two payments I thought would go towards my only purchase of {$1600.00} before being allocated to the balance transfer amount since the balance transfer does n't accrue interest until approximately XX/XX/XXXX or XX/XX/XXXX. The payment for the XX/XX/XXXX billing cycle was {$560.00} made on XXXX XXXX. The purchase balance that was accruing interest on the statement with a statement closing date of XXXX XXXX was {$320.00} though the payments plus refund total the item purchase amount of {$1600.00}. 

I tried communicating with Discover regarding this situation I was told that the minimum payment is allocated to the lowest interest accruing purchase first and there 's nothing that could be done to rectify the situation. I was also told that this process is one that is designed to attempt to try to save me money in the long run by lowering the balance transfer balance before it starts accruing interest. I was informed it 's simply our way of doing things and there is nothing that can be done.
Consumer complaint received 2016-02-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK (NC)

Discover card keeps Rising my interest rate to insane levels which is become clear they are ripping me off, I pay my bills on time and I am never late but they keep increasing rate which when I contact them to get rate lower they make excuses! the interest rate on a XXXX balance is {$250.00} per month and I pay $ XXXX- {$500.00} per month on my bill and it does not go down. 
I am retired and on a fixed income and I can not continue to do this, I do not mind paying a fair share but this is crazy and
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Rent Recovery Solutions (TX)

I am a victim of identity theft and noticed a collection from Rent recovery solution. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Rent Recovery Solution in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Consumer complaint received 2015-06-20
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (NY)

Received CITI XXXX Card monthly statement for billing period XX/XX/XXXX-XX/XX/XXXX. Balance $XXXX and payment due date XX/XX/XXXX. Submitted total balance payment of ($XXXX)  with additional $XXXX for transaction not reflected on the statement on XX/XX/XXXX. Credit card acknowledges receipt of payment on XX/XX/XXXX However, the following month XX/XX/2015, i received another statement indicating a balance. CITI continues charging me interest rate on XX/XX/XXXX for the amount of ($XXXX). Charges are unacceptable, and credit card representatives do not listen.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX Chase Bank USA , N.A . improperly applied my payments to the lower APR promotional loan balances before their higher APR credit card purchase balances, resulting in more interest and/or penalties or fees being charged on those accounts. While paying interest on a balance being carried, I was offered promotional checks with zero interest till XXXX XXXX, no payment or interest is due, I made to balance transfers equalling {$4600.00} and was charged a balance transfer fee. However Chase improperly applied payment right away to the XXXX APR balance a part of the minimu payment, ignoring the offer sent and which I took advantage, knowing this was going to happen, would I have not taking the offer, with greatly increased the balance being carried with higher APR. 
I contacted Chase legal department and was ready to move to a lawsuit in small claims court. 
I was going to bring action based on a case where the bank agrred to stop these actions : XXXX XXXX XXXX, et al. v. Chase Bank USA, XXXX, XXXX XXXX. XXXX XXXX CA XXXX XXXX XXXX XXXX of XXXX OH got involved and she asked to drop my claims and she was going to reverse interest for the past month, was discussing the matter with her counsel. She called me several times from ( XXXX ) XXXX ( XXXX ) XXXX and from blocked numbers, she said that she is a XXXX with JPM ( according the SEC she is NOT ). 
XXXX threatened to liquidate all my accounts at the bank, and my children investments as well that are by Chase, I reached XXXX and they said that XXXX XXXX has no authority to touch a brokerage account, it is a serious violation and it should be reported to XXXX, XXXX XXXX and XXXX entities, she claimed to act under the direction of XXXX XXXX. She claimed have powers to close and liquidate any brokerage account, I already informed the investment manager of her threats. 
XXXX Know further stated that she will close my checking and money market account, and XXXX withdraw the funds and will issue a check a her discresion. The bank manager stated she will be stealing. 

Her verbal commitment to reverse the interest as a final statement never materiliazed, but she send her coworkers to harass, example XXXX XXXX, the only way for me to defend was to inform XXXX that his abuse was going to be shared in social media and at his XXXX account, thas when he budged, and said to be under pressure from XXXX Know in order I shall desist and abstain from getting the wrong charged interest. 

I informed XXXX that further harassment will lead me to file a complaint with authorities, and her threat to report malicious and venegeful information to the credit bureau if I disputed or complaint against her. 

Chase went further to close the original account, and open a new XXXX, as part of their threats they blocked the credit card account for several hours. 
As I attempted again to resolve, the office of XXXX XXXX refused to talk but directed to XXXX, XXXX now will not reply mails or calls, ignoring the facts and making good on her promise.
Consumer complaint received 2016-10-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I found money missing from my Chase checking account. It seems my debit card information was hacked and used at ATMs in the area. It was missing in increments of {$800.00} over a span of 5 days. Total {$4000.00}. As I can not take more than {$500.00} a day from my account by way of ATM, it should be a closed case. I found out last week that Chase decided they are not reversing the disputed charges on my account.
Consumer complaint received 2016-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

I completed a loan rehabilitation program over 9 months. Most of my loans have come out of default except for XXXX. I was told that they are not eligible and now I have to pay the past due to get them current. Over 3k. I 'm working on my credit score and Nelnet will not work with me. I did my due diligence in their program. Please help if you can.
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

Greetings, I have been trying to get a loan modification for the past 5 years. I have tried to work with lawyers and the bank. The bank was mailed a check in XXXX of 2010 and they returned it. I called and offered them XXXX in a cash wire transfer and they refused and hung up the phone. Not just once, but twice!! They got a payout from taxpayers to save their businesses when I did not. Is n't anyone going to stand up to these thieves. They lost my paperwork and I have been fighting them in court for the past several years. I saved MY hard earned money to put down XXXX % for my house. I built it. They do n't care but it 's my last investment. I DEMAND that they follow the law and give me the home loan modification. 

Chase bank needs to be held accountable. If I went down the street and stole a purse, I would be in jail. Chase bank gets to pay a fine and business as usual. 
I will be contacting my Congressman. I vote. I mean it. I 've had it and so have the rest of the American people. 
I want that home loan modification that I deserve today! 

Thank you for your time and attention. At least we have this agency to stand up for what is right. XXXX XXXX