davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

Dear Sir or Madam, This is my second complaint letter about the same inconvenience the bank caused me. I was not convinced by their previous explanation.     I received a letter from  Chase  requesting documentation late  XXXX   XXXX . I am copying part of it listing documentations requesting : Proof of immigration Documentation Please bring one item from the list below to any branch by  XXXX / XXXX / XXXX  to prevent account closure.     Proof of Immigration Form  XXXX  Permanent Resident Card or Alien Registration Receipt Card Form  XXXX  Receipt Notice for an  XXXX  Application to Adjust Status to Lawful Permanent Resident Foreign passport that contains temporary  XXXX  stamp Foreign passport that contains  XXXX   XXXX  printed notation on a machine readable immigration visa Form  XXXX  Re-entry Permit Form  XXXX  Employment Authorization Document  XXXX  with parolee, refugee or asylum stamp Although their letter had a typo (  XXXX  instead of  XXXX  ), I provided them with my Employment Authorization Card ( OPT card ) which is issued by  XXXX  and is valid until  XXXX   XXXX . They closed both my checking and saving account on  XXXX   XXXX ,  XXXX . I issued a complaint and here is part of the explanation letter : We sent you the enclosed letter dated  XXXX   XXXX ,  XXXX , requesting proof of immigration documentation. The letter included the list of acceptable forms of proof of immigration documentation. The letter requested that you provide the additional documentation by  XXXX   XXXX ,  XXXX , in order for your accounts to remain open. We thoroughly reviewed the documentation you submitted and determined it was unacceptable because it was partially illegible and reflected an invalid category code.       They claim my  XXXX  card reflected an invalid category code. How would I know the valid category code? They didnt even include valid categories in the first mail they sent me requesting additional documentations. If I knew my card is invalid as they call it, I would have never bothered. I spent a lot of time reaching a branch and talking on the phone to their executive office.     The bank gave me a lot of hard time. They wasted a lot of my time. They caused me a lot of inconvenience which was listed in my previous complaint letter. I still believe they didnt act responsibly. Id appreciate your investigation.     Thanks,
Consumer complaint received 2015-06-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

I have tried to make a charge on my card # XXXX, but my charge was declined. 
on XXXX XXXX, 2015. I called customer service and was told that JP Morgan chas had unilaterally closed this account as well as my other chase credit card account # XXXX. 
When I asked was JP Morgan chase closed my accounts. i did not get any answer from customer service representative XXXX and his supervisor, except that theydecided to do close my accounts. 
XXXX my account were in good standing, not in default. I have always made payments on time. However, Chase had consistently discriminated against me based on racial bias in the past, and I have several current complaints against Chase with Financial Consumer Protection Bureau, I insist that the closure of my accounts by chase was in retaliation for my complaints of racial discrimination against me by chase to the Consumer Finacial Protection Bureau. The closing of my accounts by chase is unlawful retaliation for my complaints to Consumer Financial Protection Bureau and is a violation of federal fair credit act. ON top of that chase had closed my XXXX account XXXX year before its anniversary when they had to provide a free night state certificate for me XXXX. by closing my account now, chase is trying to avoid the expense of providing me with the said certificate. these actions of chase are illega.
Consumer complaint received 2015-05-31
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (CA)

Although I have been an excellent customer of Chase for many years, and have not missed a payment nor exceeded my credit limit, they have decided to reduce my limit from XXXX to XXXX. They claim this is due to too many other accounts and high balances, however it is not fair represent a credit limit as XXXX amount and then as I get closer to the limit change it to a lower amount! Did I ever really have a limit of XXXX if as soon as I spend XXXX toward it it shrinks down? This is deceptive and the decision for my limit should be based solely on my good relationship with Chase and not on whatever may happen with other cards I hold. Plus, as a result of their decision, my credit score will drop further now that I am much closer to the total amount of available credit. This needs to be fixed and reversed.
Consumer complaint received 2015-12-28
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (OH)

I initiated several disputes on my chase card and after sending over very detailed explanations as to the cause for my dispute. Chase somehow turned this into to a quality of service issue and denied my claim. I do not believe Chase even read my complaint as it was not a quality concern it was an issue of the services not being provided. I did not receive what I paid for PERIOD. These XXXX companies have scammed me out of a lot of money for doing nothing. Chase informed me that they reached out to the merchants and they did not honor my request. Of course they would n't honor my request they are getting away with murder and Chase is helping them.
Consumer complaint received 2016-12-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (LA)

1ST MY SON HAD NEED FOR A DEPOSITE OF ABOUT A XXXX DOLLARS CASH INTO HIS ACCOUNT AND HE WAS OUT OF TOWN WE JUST WANTED TO DEPOSITE AND CASE BANK Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX THIS IS WRONG ARE LIVING IN STATE THAT WE CA N'T TAKE CASH XXXX ALSO I WENT TO GET A MONEY ORDER BUT IF YOU DONT BANK THIER THEY WANT SELL YOU A MONEY ORDER TO PAY THE GOVERNMENT.
Consumer complaint received 2015-08-21
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Capio Partners, LLC (GA)

Invalid collection placed on credit report- violation of fair debt collections act, After reviewing a copy of my most recent credit report I noticed a collection in the amount of XXXX from Capio Partners XXXX has been placed on my credit report. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from Capio Partners XXXX XXXX or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by Capio Partners, XXXX is a violation of the Fair Debt Collections Act. I am requesting that Capio Partners, XXXX remove this collection account from each of my credit reports.
Consumer complaint received 2016-10-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: URS Holding, LLC (FL)

On XXXX/XXXX/2016 I mailed a request to United Recovery Systems who is now Alltran Financial requesting that they prove the outstanding debt to me. I requested the following list of documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide me with copies of the original application ; Provide me with copies of any identification on file ; Provide me with copies of signatures on file ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

What they mailed was a copy of statement and nothing else. I called back on XXXX/XXXX/2016 and spoke to a Manager XXXX XXXX. I explained the situation and he stated that he will follow the requested to his manager. When I asked why have n't they given proof of debt or answer my request he could n't give me a straight answer. We he kept insisting was that if was I was saying that I did n't initiate the debt. But at now time would he give a straight answer. I asked him if they were Licensed and Bonded in the state of FL and he was n't sure if he had to give me that information, I stated that I have the right to know that they can legally collect money in the state of fl. Long story short I have been paying on an account that I do n't even know if its my, I never see that the balance decrease any and when I start to ask questions I do n't get straight answers. This company has failed to honor the Fair Debt Collection Practices Act ( FDCPA ) by ignoring my legal right request.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I have disputed an incorrect account on my credit report with the three major credit bureaus : XXXX, Equifax and XXXX. They have not provided any documentation to validate or verify the account, even after I informed them that I never opened an account with XXXX XXXXXXXX. The account is showing closed as of XX/XX/XXXX and is also indicating that the account is past due as of XX/XX/XXXX. I would like this account to be deleted from my credit file with the three major credit bureaus. As I stated before, I have disputed this account with all three bureaus twice : XX/XX/XXXX and XX/XX/XXXX, and despite informing them that I have never opened an account with XXXX XXXXXXXX and none of them providing documentation to validate or verify the account, they have not done so.
Consumer complaint received 2016-05-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Blitt and Gaines, P.C. (IL)

Filed numerous false statements in response to CFPB complaint number XXXX. They provided no evidence to back up their statements or allegations as was requested in my complaint. 
They made a false statement to the CFPB that I called their office to split my XXXX 2015 payment into 3 payments and then I did not pay the final payment after that and that they were unable to get in touch with me. 
Blitt and Gaines REQUIRED me to provide my bank account information to them so that they could withdraw money from my bank account. 
Blitt and Gaines provided a settlement agreement in writing CONTRARY to what they REQUIRED me to do. 
Blitt and Gaines ILLEGALLY AND WITHOUT AUTHORITY that they CAN NOT CAN NOT prove withdrew unauthorized amounts of money from my bank account. 
Blitt and Gaines added legal fees to my account that they can not substantiate. 
Blitt and Gaines NEVER sent me an original right to dispute letter and NEVER contacted me that I owed any additional unpaid funds. 
I could NOT HAVE OWED UNPAID FUNDS SINCE THEY TOOK OVER MY BANK ACCOUNT. They told me I had to have money in my account at all times and they would withdraw the money. 
They NEVER sent me a receipt. 
They NEVER sent me proof of what I owed. 
They NEVER sent me ANYTHING from XXXX XXXX to show that they had the right to collect, and or that the money I paid ever actually was paid to the XXXX XXXX people. 
I have previously filed a complaint here. I previously have filed a complaint with the state of Illinois Attorneys Review and Disciplinary Commission.. Blitt and Gaines has been unable to substantiate anything they are alleging and should be prosecuted to the fullest extent of the powers of the government including false statements and seizing unauthorized property, putting nothing in writing to seize the property, and providing no receipts.
Consumer complaint received 2016-05-23
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Blitt and Gaines, P.C. (IL)

Blitt and Gaines filed XXXX lawsuits against me without my knowledge. They did not send me any information of a verification of the debts or any validation notices. I did not know about the lawsuit in first case until I received a settlement letter after I contacted them for a XXXX XXXX account at the direction of XXXX XXXX in attempting to get a loan modification. The second lawsuit was mentioned in a response to a CFPB complaint. These are illegal tactics and on the internet you can see endless complaints occurring from this company. If XXXX XXXX had not directed me then I do n't know what they would have done to me or still might be doing to me since they are deceptive in their tactics. I will be a XXXX in a few years and I understand this can be ongoing for many years to come. I also do not have information of the outcome of either of these lawsuits from either Blitt and Gaines or XXXX XXXX, since no one ever sent me any correspondence in the mail. Furthermore they never sent any information of the actual debt they are suing me on, to prove that they actually have the right to sue, what the fees and charges are, how the breakdown is, etc. I have been trying to get information from XXXX XXXX since approximately XXXX, 2015 and there has been no response to any of the information I have requested in detail except for general repetitive form letters.
Consumer complaint received 2015-07-16
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Oxford Law, LLC (VA)

I have asked this XXXX XXXX to stop harassing me, and she continues. She continues to call my work also. I asked her not to on XXXX XXXX 2015 and she called again on XXXX XXXX, 2015. I explained I can not speak to her while working and I do n't wish to speak to her at all. I was trying to ask her who she was and why she was calling and all she would do is continue to ask me personal questions! Why would I give her information when I do n't know who she is????
Consumer complaint received 2015-06-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (MN)

I have made numerous attempts to obtain a verification of mortgage ( VOM ) from my lender Seterus , Inc . I need this information so that I can refinance the loan. This loan was dismissed in a bankruptcy proceeding but is still being serviced by a Seterus who calls themselves a " debt collector ''. They are apparently not allowed to send me a mortgage statement but state they have a lien on the property? I have continued to make payments on this loan but would like to refinance it so that I can begin to rebuild my credit and take advantage of the lower interest rates. 
The bank that I am working with has already approved a loan for refinancing. They have been trying to assist me in obtaining this last piece of information which is required in order to make the refinance file complete. Both the bank and I have called Seterus numerous times and each time they say the document was requested and no request can be expedited so each subsequent request will take up to 7 days. We have been trying to get the VOM since XXXX and it is now XXXX XXXX, 2015 and still no document has been faxed or mailed and we have been told they do not email documents. I am not sure what is happening but at this point Seterus is either intentially not providing this information or they are truly grossly incompetent.
Consumer complaint received 2015-07-02
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (NY)

I obtained a Chase Freedom card, with an offer of 0 % interest for the first year. I was encouraged to take overdraft protection ; I was told that this overdraft protection would reduce the fee in half. I was never told anything about interest, and was told to sign a waver. I asked, " whats the catch. '' " No catch '' the clerk said, " just lower fees in overdraft. 

There was a catch. That zero percent interest did n't apply to fees. Apparently I was paying interest every single month on those fees. It cost me hundreds of dollars again. The entire program was designed around defrauding people who do n't think this far into it, are inexperienced with credit cards, and would n't think to look at whether interest applies here.
Consumer complaint received 2015-07-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CO)

I listed an item on XXXX and was contacted by a buyer who wanted to send me a check for payment. I agreed and he sent me a check written from XXXX XXXX, a XXXX XXXX. Routing number and account number showed funds available so JPMorgan/CHASE Bank cleared the check overnight, the XXXX of XXXX. The check was for significantly more than the item listed and I was directed to send the excess funds to a person in North Carolina. Then, on XXXX, XXXX XXXX, CHASE informs me that the check was fictitious and states my account is now overdrawn by the amount of the check. CHASE should not of cleared the check so quickly and should be responsible for replacing the funds.
Consumer complaint received 2016-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (OR)

Many years ago, I consolidated my loan with a particular lender because of the incentives that I can earn. I 've earned them, but now my new servicer is telling me they do n't have to honor it. How is this even legal? The incentives were indeed the selling and determining factor. I honored my obligations to repay my loan and earn incentives ; and the lender can escape honoring its incentives by selling the loan or switching servicers.
Consumer complaint received 2016-04-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (CA)

CHASE AUTO FINIANCE- I PAID MY CAR OFF IN FULL, NOW THEY DROPPED MY CREDIT SCORE XXXX POINTS!!! ON ALL XXXX CREDIT REPORT AGENCIES ... NOW I GET TO DEAL WITH THE DISPUTE GAME THEY PLAY AND WALK AROUND FOR 45 DAYS WITH UNTRUE REPORTED FRAUD INFORMATION WITH MY NAME ON IT FROM THIS COMPANY!!! CHASE ... .... THIS IS FRAUD AND SO IS THIS BANK.I AM SO TIRED OF DEALING WITH CHASE AND THE FRAUD GAMES THEY PLAY ... I HAVE ALREADY DEALT WITH THEM WITH MY HOUSE ALSO..THIS COMPANY HAS DISTURBED BY LIFE WITH THEIR CORPORATION DEFECTS, NOW ... I GET TO GO THRU THE TRAMA OF THEIR BUTTON PUSHING WAYS TO DESTROY PEOPLES LIFES! PLEASE HELP ME, I AM TIRED! I DID RIGHT PAID OFF A VEHICLE AND NOW THEY DEEM ME!!! THIS MUST BE STOPPED BY THIS RAUNCHY CORPORATION PLEASE HELP.
Consumer complaint received 2016-11-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

I spoke with a Chase Auto employee named XXXX ID number XXXX. She advised me my vehicle up for possible repossession if the late fees are not paid. I asked her how it that possible she said the company has a right to pick vehicle up since it 's past due.
Consumer complaint received 2015-06-26
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

The issue is that JPMorgan Chase own travel site at ( chase.com ) for members lists fake fares and when the booking is made it automatically switches the prices to a higher level. Enclosed please find the message to Chase Executive Office that was originally not responded to. Also the company insisted on verbal communication and not email which is indicative of systemic issue rather than isolated one. 
There is a problem with your vendor that performs flight reservation service on behalf of Chase for its members. Yesterday and today I attempted to book a ticket to fly XXXX and to utilize my accrued points total ( +/- XXXX ). Any time I would select the available rate that lists the flight in $ XXXX range that is listed as available I got a message in process of booking that the rate is no longer available and listing exactly the same flight at on average {$300.00} higher rate. For example the flight departing XXXX XXXX on XXXX XXXX : XXXX XXXX, XXXX XXXX ( XXXX XXXX ) - XXXX, XXXX, Return XXXX XXXX XXXX XXXX, XXXX XXXX that was offered as available for {$810.00} has automatically been re-selected during the booking process into {$1200.00}. FYI, I checked the XXXX XXXX site for that flight and it lists the fare at {$810.00} with exactly the same itinerary leading me to conclusion that the mark up is your vendor 's travel commission. 

This happens with EVERY {$800.00} range flight XXXX days before XXXX XXXX and XXXX days after XXXX XXXX that is listed as available after that date. Why is then Chase site listing fake pricing on flights that it has no intention to honor and it bait and switches people in process of booking? 

I travel extensively internationally and since I often use booking sites such as XXXX, XXXX, XXXX, XXXX and XXXX I have never seen any fare being made suddenly unavailable in process of booking and rescheduled at the higher rate. I think that Federal Laws specifically prohibit games such as this as airlines are under legal obligation to list all fares including all applicable taxes and fees to prospective consumers, no exceptions. 
I would appreciate if Chase addresses this issue to make sure what happened to me does n't happen to anyone else and to honor the rate it has on its site or stop offering the travel services altogether.
Consumer complaint received 2016-09-02
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Sunset Management, Inc (GA)

I had a XXXX my car and regretfully, I took out only a small {$400.00} loan with Sunset Finance to help with living expenses. Big mistake. Now, it 's not so much the money but now the principal of the matter in how this company manages their loans and customer service. Sunset Finance reps have been nothing but a nuisance by contacting me, my friends, colleagues and family excessively, sometimes twice a day triple-dialing my both home and office phones where they had exploited my reference/emergency contact list with unethical collection practices. This happened so much that I was forced to seek legal counsel and they advised me to create a " cease and desist '' letter. 

I was making payments of $ XXXX/month to Sunset Finance and 5 of those payments totaling {$470.00} have been paid back despite nearly paying back MORE than double what I borrowed which I came to find out had a ridiculously high interest rate like 86 % or more. I have tried to contact Sunset and emailed them requesting to negotiate a better rate or a reasonable payment but no response or they will not accept a payment other than their choosing versus what I can afford. I even enrolled in Consumer Credit Counseling Service and included Sunset Finance to help pay them back but they DO NOT accept payments from Consumer Credit Counseling which I do not understand. 

Now they have filed a false statement to the court and filed a lawsuit against me stating " defendant received loan on XX/XX/2015 and refuses to pay. '' and that is not true. I have paid back Sunset over {$400.00} back.