davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I had opened Citibank Savings account under a promotion which gave {$350.00} if I deposited more than {$25000.00} between XX/XX/2016 and XX/XX/2016 and kept the money till XX/XX/2016. I fulfilled the requirement and was waiting for the bonus to arrive. 
I also verified with the customer service agent at Citi that I qualified for the offer and they confirmed it saying I should receive it within 90 days of completing all the requirement. 

However, I got another message from Citibank saying that I will not be receiving the bonus as I do not qualify. I have attached the offer terms which I signed up for and the chat with Citi agent confirming my qualification
Consumer complaint received 2016-08-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

i believe this is the XXXX complaint here about this at and t card. XXXX after 20 years they refuse to credit me interest. so i barely use the card. now i bought a camera in best buy that DOES NOT WORK they refuse to take back i am being told i have to pay for. i am NOT paying for it nor should a credit card company tell me i should. i am not. so go to them for me after 20 years and get your money back. the lack of credit of interest and this speak volumes as to what i mean to you. nothing. XXXX refunded money for a broken phone they never responded on too. do the right thing. i will accept nothing else. refund me the money
Consumer complaint received 2016-06-18
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (IL)

I made an overpayment on my Chase credit card of XXXX on XXXX XXXX after a prior payment was made on XXXX XXXX. I contacted Chase on XXXX XXXX and let them know I would like that returned to my checking account and was asked for my routing number and account number to return the funds. When the funds never came on, on XXXX XXXX, I called backed and was told that a check was mailed on XXXX XXXX and that it would take 7 to 10 business days to receive and that the first customer service rep messed up and did not inform me that a transfer of funds to my account was not possible because I did not have a Chase bank account. I then asked if there was a way for them to send another check via XXXX or XXXX and they stated that the only option was to wait for the check or stop payment and issue a new check. I have waited for going on XXXX days from the original date of the overpayment and have not seen a check and have called and talked to chase at least XXXX times with no luck and continue to get no other option other than talking to a supervisor who states the same broken line that they can stop payment on a check which clearly was never sent and issue a new one and have me wait 7 to 10 business days to see if it arrives. This is clearly a frustrating very long process of waiting for funds that they have the authority to send via XXXX or EFT at anytime but chose to frustrate and anger customers rather than do the right thing. This policy is designed to hold on to other peoples money for an extended amount of time without any recourse what so ever. The Chase system is computerized and should not allow an overpayment for a large dollar amount without warning people that a payment is already pending as it will not allow the opposite, an underpayment of your minimum balance due. I would just like Chase to do the right thing and issue an expedited check that does not involve the long dreadful waiting game for a check that should clearly be sent and received in a timely fashion, or better yet, transfer the funds via EFT to my checking account as it is clearly possible for a Banking institution that is too big to fail and is supposed to be working for the people that bailed banks out in the financial crisis of 2008. Every single time I have called the highest level I can reach is a supervisor who has no authority to do anything and simple reads from a script over and over about putting a stop payment on the old check ( that was supposedly send out but never arrived ) and starting over from the beginning in a crazy never ending waiting game with no guarantee that anything will ever arrive. If I ran a business like this I would be out of business in days and under investigation for XXXX business practices. Please help me recover my funds in a timely fashion that does not resemble a XXXX at a casino? When did the customer is a valued commodity disappear in the USA. Thank you and hope to hear from you soon!
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (NE)

When I signed up for my Chase Freedom Visa credit card on XXXX XXXX of XXXX there was a promotional offer of a bonus, if I spent more than a certain amount of money. On XXXX XXXX XXXX after or close to what I thought was three month mark from the time I opened the account I contacted Chase to see when or how this would be applied to my account. The customer service representative said she would forward this to a specialist and they would get back to me in writing. On XXXX XXXX I received a letter by mail from Chase stating that I did not meet the spending requirement of the promotional offer. The offer they stated in the letter was I would receive {$400.00} or XXXX points if I spent {$3000.00} in the first three months from the opening date of the account. I certainly have complied with the requirements in the first two months of opening this account by spending over {$4000.00}. I contacted Chase on XXXX the XXXX XXXX and spoke to a XXXX XXXX a supervisor in the XXXX XXXX, TX call center and explained to him what has happened. XXXX said at the time I opened my account there were no offers available and that they would not be honoring the offer. He went on to state that had, I called in on or before XXXX XXXX they would have applied the offer that they stated in the letter. I assumed that when I signed up for the card this offer was to be applied and that there was no more action needed on my part or any reason to have to contact Chase to receive the promotion offer. When I called in on XXXX XXXX I asking when the offer would be applied to my account and at no time was I informed that I would have to contact Chase to activate the offer since the implication was that it would applied when I signed up for the account. The letter they mailed me clearly states the offer and the documentation of my account statements enclosed with this complaint clearly states clearly I have meet and exceeded the requirements set forth in their letter. No where in the letter or when I signed up for this account does it state that I was required to contact chase prior to the three month mark of activating the account.
Consumer complaint received 2015-07-09
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (GA)

i had a chase card more than XXXX years ago i get a summons to appear in court from XXXX XXXX/nearly XXXX later i received a garnishment from MAGISTRATE COURT OF XXXX COUNTY enforced by XXXX COUNTY SUPERIOR/only to hear today it may not have been processed properly/anything to help is appreciated.
Consumer complaint received 2016-04-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (PA)

I have an account with JP Morgan Chase. I have both a checking account and auto loan. On Thursday, XXXX XXXX I was traveling for business and due to a cancellation of flight my business associate whom I was traveling with did not arrive until the next day. Because I was the first person to arrive at the hotel I was asked for authorization of payment. The payment for the hotel was set to be taken from my business associates corporate credit card however, since she was not there, I did not have the card to furnish. Unknown to me, they were requesting the amount of the entire stay ( I was only staying XXXX night, my business associate was staying XXXX nights ). My card was used to " authorize '' {$800.00}, otherwise I was advised that I could not stay there. The following day when my business associate arrived, the cards were changed and I was told the authorization on my account was cancelled. I was advised to call my bank to request that they release the hold/authorization as the transaction was only pending and was not a completed transaction. They even gave me a direct line for the bank to contact so they could confirm the authorization was cancelled on their end. I called JP Morgan Chase that Saturday on XXXX XXXX and was advised by the rep that I had to be transferred to the debit card fraud protection team. After a twenty minute conversation with the debit card fraud team, I was assured that this would not be a problem and that the funds would be restored within the next five minutes. They advised they did not need to check with the hotel. After five minutes, I re-checked the account and the funds were not restored, I assumed the account would become whole on the following business day which was Monday since I was calling on a Saturday. On Monday, the funds had still not been restored. When I called Chase on Monday, I was told that they were not able to restore the funds. I remained on the phone for an hour and was transferred to the claims department twice. I was then told by a claims representative that the issue had been escalated and I would receive " emergency funds '' within the next two hours. That also did not take place. Chase failed to give me accurate and correct information in regards to the activity that supposed to take place on my account. In addition, at no time was I ever contacted by Chase to communicate those changes. In totality, all I was given was incorrect information from the representatives. As a result, I incurred late fees for bills and rent that needed to be paid. Customer service was inaccurate and misleading in their information. When I spoke to a " specialist '' on Monday they acknowledged I was given the wrong information and yet did nothing to rectify the issue but continue to give me more misleading and inaccurate information. This concerns me as neither institution seemed to have the funds and yet, they were not available to me.
Consumer complaint received 2015-08-15
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (KY)

westlake financial services, I contacted them on XXXX XXXX to voluntarily surrender my vehicle, they claimed it was being proccessed, called them back nothing, continued calling, they said it was being processed, all the way to XXXX when they stated it was never put in to be collected, demanded i fax them it in writing, called to collect on overdue amounts after i told them i was XXXX and could not pay currently or drive the vehicle due to medical conditions. refused to remove an ach claiming i never specifically stated to remove it. and other tactics.
Consumer complaint received 2017-02-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (NY)

I have a car loan with West Financial and I have been asking that money paid over the loan amount be paid on the principle. For months they have been telling me ok, but I noticed the next month 's payment was lower. I did not take the bait but the online service would say I owed the full XXXX payment but the statement says I owe XXXX ( i.e. ). However I was told a couple of days ago that they do not apply extra payment amounts to the principle. Is this legal. I live in XXXX and the finance company is in XXXX- WestlakeFinancial. 
The interest rate is almost 25 %.
Consumer complaint received 2016-08-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

I had lost my source of income approximately a year ago due to unforeseen circumstances. I made one last mortgage payment and started working XXXX jobs not too long after this happened. With the XXXX jobs combined my income was not enough to pay for the home and the regular bills. Approximately 2 to 3 months ago I was receiving income comparable to before. I started working with the bank to try and receive assistance but as time went on the amount owed kept growing and it came to a point to where they wanted me to pay three times the amount of my mortgage payment. Realistically it 's not possible because that will take away majority of my income for the month. I am currently trying to work with them again to help me out with some different options but the person who is assigned to my case for whatever reason is not ever available. Now they 're requesting for me to fill out another packet which will delay this process longer and will increase the amount that I owe instead of having me starting to make payments which I can afford. I explained that I could afford two times the amount of my regular mortgage payment and enough income to provide for my family.
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (KS)

I tried to use some of my Chase Credit Card points with their Ultimate Rewards Program to buy a plane ticket. I was charged in points for the ordinary economy ticket, however, what I got was a very restricted ticket that gave me the choice of only a few seats in the back of the plane, and I could not upgrade seats, nor was the ticket changeable even for a fee. I ordered and thought I got a regular economy ticket, but the airline said it was a special restricted ticket.
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (GA)

I requested for mortgage assistance with Chase several times and only qualified for the program short sale or deed in lieu of a foreclosure. I accepted the fact that I had only the option of the short sale. In XX/XX/2016 the house was placed on the market as a short sale. The house had a offer within two weeks of being placed on the market. I contacted Chase to see if I qualified for the HAFA/Relocation assistance. The Chase representative looked into my account and told me I was eligible for the HAFA assistance at the full amount of {$10000.00}. My realtor has been very timely in sending Chase all documents needed for the short sale. Since the offer has been submitted in XX/XX/2016 Chase has been dragging their feet in this process. Now the HAFA/relocation program has expired XX/XX/2016 and Chase is telling me I no longer qualify for relocation assistance, even when my home was listed and going through the process prior to the XX/XX/2016 expiration date. I feel my account and loan should still be honored for the relocation assistance. I 'm making sure the property is being taken care of and has not been abandoned through this process and feel Chase should grant me the relocation assistance that I originally qualified for.
Consumer complaint received 2016-11-23
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

I was laid off XX/XX/XXXX. My mortgage at the time was through XXXX and I was on an excelerated payment schedule, I also made a monthly payment towards the premium. In XXXX XXXX, my mortgage was sold to Chase Bank, I was unable to make payment online AFTER scheduling autopay which was never deducted from my account, I fell behind by 2 month in XX/XX/XXXX and XX/XX/XXXX- I made a double payment in XX/XX/XXXX and scheduled an additional double payment for XX/XX/XXXX My XX/XX/XXXX payment came out of my account but the XXXX XXXX payment did not. XX/XX/XXXX, I requested a mortgage modification, I made the trial payments, sent in the paperwork ( I was not nor did this modification LOWER my payments- I just wanted my mortgage to be back on track ). In XXXX XXXX I received notice that my house was in foreclosure. I was told there was an issue with the signature date being different from the notary. I had to reapply for the modification, I started a NEW trial period. Made all my payments- received the paperwork to be notarized at the same time I received another foreclosure notice due to my trial payment 'failing '. I had completed all payments. XXXX XXXX I complete ANOTHER modification agreement and begin my trial period of payments. The 3rd month in- they refund my check stating I paid 'too early ' ( 9 days early ). I resent the payment - which is now 5 days late due to not being aware that although they took the money from my account- they were not applying it to my payment. I receive another final paperwork to be notarized, I send in all the paperwork. On XXXX XXXX, I receive a letter from Chase stating there was a signature missing and I have to AGAIN fill out the paperwork, have notarized, and mail back. On XXXX XXXX, it came to my attention that Chase had AGAIN filed foreclosure on my home. This is a SCAM. I have sent in what they have asked- there is no reason that after THREE times of this and their vague excuses of what is going on is infuriating! I owed XXXX on my home when Chase bought out my mortgage- now, due to 'fees ', etc- I owe XXXX. They have no interest in helping and I was told by the law firm representing Chase that I should 'file for bankruptcy '. The only debot I have is MY MORTGAGE- my credit card balances have never exceeded XXXX and I pay them off once a year- all of my other bills are current. This is insane and unfair to homeowners without a team of lawyers as Chase has. This is MY HOME- I did not have a problem the first 3 years with my other lender. I have jumped through hoops to do what they asked of me and I have nowhere else to go.
Consumer complaint received 2015-05-16
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I paid off my HELOC with Chase Bank on XX/XX/XXXX. I paid all final fees in the amount of {$45.00}. On XX/XX/XXXX, XXXX months later, they send me a letter stating they have placed a lien on my home in the amount of {$36.00} for outstanding fees and I must make the payment to have the lien released.
Consumer complaint received 2016-01-10
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (NJ)

I applied at a bank on XX/XX/2016 for a credit card and received an immediate reply dated XX/XX/2016 that denied me the card. The letter from the bank stated, " Our decision was based on the following specific reasons : Not enough accounts opened long enough to establish a credit history. '' As a matter of fact, my credit history includes ; a mortgage for a home which I repaid without any late payment penalties, a checking/debit account held for about 25 years with XXXX bank and with no overdraft penalties, 14 years of paying rent at the same location without a late payment, and at present I am debt free. 
None of this history was requested by the bank when the application was made. Instead, there was a supposed reliance upon a third party to provide the information, so that the very attractive credit card product, that was advertised with many perks, would go to someone with a good credit history. If I do n't have a good credit history then who does? And now it is on my shoulders to prove the third party is wrong. 
It appears to me, that this is a way that the bank can deny accountability for their decisions, and thereby skirt the laws regarding the Federal Equal Credit Opportunity Act by using unwarranted barriers and by not making sincere efforts to actually be specific in their response to my application for a credit card. Your kind attention to this would be appreciated. 
Also, let it be known, that I have now received in the mail, and for the first time, solicitations by another credit card company offering a similar but lesser credit card product. It is questioned, is this a financial form of bait and switch?
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

Around XXXX, on Monday, XXXX XXXX, 2015, I went to the Chase Bank Drive-Thru ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I had to make a deposit for a truck sale that I had made on XXXX/XXXX/15 of {$3700.00}. When I got to the ATM it was working just fine. So I deposited all XXXX XXXX {$100.00} XXXX bills into the ATM machine. It however, decided that it was going to crash and give me an error message that your deposit ca n't be accepted at this time, please try again later ( or something to that effect ) and gave me {$2500.00} back of the {$3700.00}. So it gave me back XXXX bills when it should have returned XXXX bills. I contacted the Chase Bank CSR and they opened a dispute but did not guarantee a result that I would like and said they would have to do a lengthy investigation and it could take up to XXXX weeks before I see the money, that is IF they even find an error. I know for a fact that I deposited XXXX bills at once ... So where the heck my other XXXX bills are since they only gave me back XXXX, I will never know. But this is absolutely INSANE and I want my money back. I am XXXX and we are already underpaid so this is MY money and I want it back!
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (WA)

I applied for a Chase XXXX credit card online some time last XXXX or XXXX, XXXX i heard nothing from them. I called Chase around XXXX, 2016 to ask what became of my application. Using a social security number check, they found no credit card application. It was n't until I contacted XXXX that I learned that Chase had, in fact, put a hard hit on my credit report -- yet had forgotten about it. After hours of being led from the credit card department to customer service to Fraud, they finally called XXXX and confirmed what they had done. At this point, they explained that my application was no longer valid since 30 days had passed since they 'd allegedly sent me a letter asking for identity verification. No such letter ever arrived at the address they used ( that listed on my account ) since it was n't sent registered. I objected, saying they had no proof such a letter was sent. I wanted my application re-opened and they refused, but they would n't remove the hard hit. This thus paralyzed me financially ; I didn ' want to apply for a card elsewhere as it would mean a XXXX hard hit, something that would unfairly harm me credit wise through NO fault of my own. Chase clearly had shown multiple errors tracking my application ; how could it be sure it had ever sent me a letter. 

On XXXX XXXX, 2016, however, Chase sent me another letter to that same address. The letter ( attached ), dated XXXX XXXX, 2016, says it 's a repeat of the letter allegedly sent to me in XXXX, 2016. This letter, however, specifically states I must respond to Chase within 30 days of the " date of this letter '' in order to proceed forward with my credit card application. I called Chase both XXXX XXXX and XXXX XXXX to discuss this letter ; after 75 minutes ( mostly on hold ), the agent XXXX XXXX XXXX XXXX indicated the " matter '' needed to be " discussed '' amongst various groups and that they 'd get back to me via my email ( I 'm overseas on business now but they wo n't call my international phone number ). 

Chase has held me hostage to their business practice, XXXX which they 've unilaterally decided is correct and without flaws of any sort. The consumer is left to accept their verdict, and up to now, they 've admitted no wrongdoing. I want my credit card application processed promptly ( I 've been a customer of Chase for many, many years, and they have access to my credit history in that respect, though they denied this fact when I suggested it ). In addition, I want XXXX points added to my card by Chase as a gesture of goodwill for their egregious mishandling of my request, which has cost me hours of time online, not to mention lack of this card at the time when I really needed it.