davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-11
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

I had a business checking account with Chase. There was {$20000.00} in it. In XX/XX/XXXX, I requested Chase to send a {$20000.00} check to a XXXX, and then closed the account. XXXX never received the check. 

I called Chase back in early XX/XX/XXXX, and they confirmed the check had not been cashed. At this point, since the account was closed, Chase said they would cancel the original check and send the {$20000.00} to me ( instead of XXXX ) at the business addresses on file. 

On XX/XX/XXXX or XX/XX/XXXX, I had still not received the check so I called Chase back. They said they would open a research ticket to figure out what was going on. I did not hear back from them, so I called back XX/XX/XXXX. They said they are still trying to figure out what is happening. I spoke with XXXX ; XXXX 's XXXX is XXXX. I have a reference number from my call that got me forwarded to them as well, it is XXXX. 

It has now been months and Chase has withheld {$20000.00} from me. This is absolutely ridiculous. Not only should they have sent the check to me by now, but I have a personal checking account with Chase also, they could have simply deposited the money there. It is obvious to me that if I do n't keep calling them, they would simply never give me the {$20000.00}. This is completely unacceptable. 

At this point,
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (WA)

I paid my balance due on a Chase VISA card in full 5 days before the due date. In the following billing cycle, the bank charged interest stating that even though I paid the entire balance before the due date, interest continued to accrue. I spoke with a telephone representative and met with a bank representative in person but they insist the interest charges are appropriate. What 's the point in paying a balance in full if the bank continues to charge interest?
Consumer complaint received 2017-02-17
Product: Consumer Loan — Title loan
Issue: Applied for loan/did not receive money — 
Company: JPMORGAN CHASE & CO. (MI)

Bank Fraud, Wire Fraud and Elder Fraud to start. This is a amendment to complaint XXXX. This is not a duplicate. I am part of the the trust which co-trustees are my Mother XXXX XXXX and XXXX now chase bank. It is on page XXXX of the Agreement of Trust. It states that I am 10 %. This was all previously submitted.
Consumer complaint received 2015-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ATG Credit, LLC (FL)

I contracted XXXX services in my residence through XXXX XXXX back in XXXX. For installation services, they claim they sent me an invoice for XXXX {$49.00} by mail. I never received such invoice. I receive several bills by mail and never failed in promptly paying any bill I received. As a customer of XXXX, I requested, in at least XXXX occasion, support services from XXXX during the period I had XXXX in my apartment. Support services were provided normally and no debt was ever mentioned. If I was in debt with the company and they had that in their system, why is it that I requested a service and the service was rendered without ever mentioning any debt? 
Now, 6 months after I canceled XXXX services, and more than one year after the installatoion date in XXXX, an open collection account with XXXX is showing in my credit report. I chatted with a representative of the company and they told me the invoice was sent in XXXX ( the XXXX I never received ). XXXX has always had my address, e-mail address, phone number and, more importantly, a valid credit card on file. Why is it that they never sent me any communication, verbal or written, that I had an active debt of XXXX {$49.00} so I could pay for it. Why have they never charged my credit card they had on file for the XXXX {$49.00}. Why have n't they refused to offer me support service if I had an open debt with them? When I asked their customer service representative, the only answer I got is that an invoice was sent to me, once, in XXXX. And with that, they assumed I was a bad payer ( even knowing that I paid all XXXX monthly fees on time for the 7 months I had the service. This is absurd. 
They sent my debt for collection to ATG Credit. After chatting with XXXX 's customer service representative, I then immediately called ATG Credit and paid for the pending XXXX {$49.00}. I also queried ATG 's customer service representative about their having to notify me before hitting my credit file with an open collection account. They claim they also sent me a letter. I never got this either. I honestly doubt any letter was sent. Again, I would never ignore or fail paying any open debt I knew I had. I have virtually no debt. I carry no credit card balances ( I pay all balances monthly ) and have XXXX leases I pay religiously every month. 
After the collections account was sent to Equifax, my credit was hit by XXXX points because of that. This is not fair. I can not pay a debt I never knew I had. 
Now I am shopping for a home and was looking for alternatives to get a mortgage. These XXXX points can considerably increase the financial cost of a mortgage loan.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (AZ)

I recently had a credit card account closed by Chase Bank. I have had this particular card since XXXX of XXXX and pride myself on having a positive long term credit relationship with Chase. I had received a letter stating that the account would be closed due to inactivity if not used prior to the card expiration date of XXXX XXXX. I promptly made a purchase with the card and paid the statement in full once received. Today, XXXX/XXXX/XXXX, I contacted Chase Bank as I had not received my replacement card yet. I was informed by the representative that my account had been closed. When I referred to the letter I received and stated I used the card as instructed, I was told that the letter stated the card would be closed regardless. Unfortunately, I do not have a copy of the letter from Chase, however I have received similar letters from other banks and once I used the card they have always been renewed. I believe this action by Chase Bank is fraudulent and negatively impacts my credit.
Consumer complaint received 2015-07-10
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (MA)

Chase card services, like most financial providers, urges consumers to enroll for online statements, as it reduces costs. I enrolled to receive statements and information online, but unfortunately they do not tell you that late statements ( meaning you did not pay within the grace period ) are not sent when you elect the online/email option. For background, you should know that I had never had even a single delinquency in my XXXX year credit history until now. Today, I have a XXXX day late because Chase could not be bothered to send me a late notice via email nor call me as a courtesy prior to being XXXX days late. I immediately paid the balance when contacted at XXXX days late. Believe it or not, a single late in XXXX years has affected my credit score and resulted in a higher rate for a mortgage I am in the process of obtaining. Had I known that I would only receive a courtesy late notice if I had kept my mail-only election, I would not have chosen the online option. I 've contacted Chase, but they have indicated that they will not remove the single delinquency and improve their online notification process. In the meantime, my mortgage will be at a higher rate. THIS IS VERY POOR CUSTOMER SERVICE. They need to improve their process.
Consumer complaint received 2016-04-22
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (NY)

My husband and I are longtime customers of Chase. We applied online about two weeks ago for a Chase credit card. In the past, we have received an instant decision which has also always been positive with a large credit limit. This time a message appeared saying it would be reviewed and that Chase would get back to us. When we inquired at a Chase branch, the representative was not engaged and said she had no notification of our application status in her system. I also registered my comments on the Chase website. 
I still have not heard anything back and would like to know the status of our application. Perhaps that 's not too much to ask of a bank that is the size of Chase.
Consumer complaint received 2015-04-17
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

Chase promotes a service called Chase Quick Pay. Chase Bank then immediately withdraws the money from the parties bank account. Then they put a 3 business day hold on the funds stating that they do this to verify the transaction has n't been rejected by the other bank. If the transaction had been rejected it would n't go through in the XXXX place. This is a shameful play by the bank not to watch their assets but utilize funds being transferred from person to person to their own benefit. There was no reasonable explanation that the bank could give when I informed them that the funds had been withdrawn from the senders checking account on the day that I requested the funds. A 5 business day hold puts an unnecessary burden on the consumer who is the receiver and owner of these funds. It is also counter to the claim of it being a Quick Payment well known services like XXXX, XXXX, Stripe and banks that offer similar services like XXXX and XXXX XXXX do not hold funds for 5 business days when sent from other parties.They are either immediate or happen with 1 business day. XXXX is XXXX thing but this is excessive and overly burdensome to the consumer especially given how fast electronic transactions occur.
Consumer complaint received 2015-09-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC. (CA)

repeated calls from Municipal Services Bureau in regard to a debt I do not owe. Spoke with representative and in no uncertain terms I told them to stop the harassment. Last call from XXXX XXXX. XXXX. Are the collection companies suppose to use due diligence in locating the debtor? And should they not research the location and mode of contact of the debtor if and when they are told to stop?
Consumer complaint received 2016-04-12
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: GMFS, LLC (LA)

I became ill while working as a XXXX in XXXX XXXX. As a result of my illness and XXXX I have not been able to find gainful employment. I am a XXXX year old female with failing health. My only source of income is {$810.00} SSA Retirement Benefits and {$190.00} SNAP Food Stamps from the State of Louisiana. I was forced into bankruptcy and am now facing foreclosure. I would be forced into homelessness. I feel that I am being discriminated against and punished by my mortgage company because of my age and health which prevents me from finding employment.
Consumer complaint received 2015-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (UT)

American Educational Services has breached the loan agreement ( " Agreement '' ) underlying my account. Since graduation in XXXX, this loan has switched servicers multiple times. It was initially handled by the XXXX XXXX. 
Pursuant to the Agreement, a borrower benefit of a reduction in interest rate, after XXXX on-time payments should be in place. 
In or about XXXX XXXX, AES began servicing this loan, inheriting the account from a prior servicer. In or about XXXX XXXX, I received notification of this change, and a form to initiate automatic payments from my checking account to AES. This seemed strange to me because the loan had always and has always been paid via automatic payments, and AES 's succession as servicer should not have altered my prior ACH agreement and long-time record of on-time payments. Nonetheless, I filled out the AES form and conveyed it to AES immediately upon receipt. 
Despite this conveyance, AES wrongfully stated that my XXXX XXXX payment was not made in a timely fashion. As a result, I was deemed permanently ineligible for my borrower benefit of a reduced interest rate. 
As mentioned, every payment ever made on this account has been made pursuant to automated ACH payment. If AES deemed any payment " late, '' such lateness was due solely to AES 's own negligence, breaches, or other wrongful acts. I did not learn about AES 's wrongful breach until XXXX XXXX, at which point I complained to AES and informed it of the facts of the situation. AES ignored the facts, and sent me a conclusory response denying reinstatement of the benefit without any explanation whatsoever ( response is attached ).
Consumer complaint received 2015-11-25
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC. (WI)

I send yous a complaint recently about my XXXX mortgage. I have XXXX mortgages I 'm trying to combine both of them together yous wrote back to me about it saying yous got of hold of suntrust mortgage with the loan I 'm with I talk to them and they told me they ca n't combine my XXXX mortgages which I 'm not happy with because when I got the loan they told me I was going to be able to combine and refinance both mortgages and now they say they ca n't and they said they can modified my second mortgage but I need to put 5percent down which I do n't have and plus I 've been having this home for more than 8 years and I have paid more than doubled the price with all this interest they change me I ca n't afford to pay my second mortgage I 'm working less and they do n't seem to care after all this years I 've always been on time and now I ca n't they keep calling me at first I thought they were calling to negotiate because yous have got a hold of them and no they were calling for the late unpaid mortgage and when I did get of hold of someone they said I need 5 percent down if I want to modified my second mortgage which I 'm not very happy with because I 'm tired of paying to much money and to much interest so if yous can please help me I would really appreciate it I do n't know were else to go I do n't have any money only bills and bills and it seems like they are not even trying to help me hope to hear from yous soon
Consumer complaint received 2017-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CO)

I have been working at a 501 ( c ) 3 nonprofit since XX/XX/XXXX. I was n't sure if I would stay long enough for the Public Service Loan Forgiveness program to work for me. But over the years I submitted my paperwork for employment verification and wanted to at least have the option of utilizing the program if I ever did. I submitted my first employment verification form in XX/XX/XXXX. In XX/XX/XXXX I called FedLoan to talk about my repayment plans. I wanted to find the right one for me. The monthly payments were a concern and I remember being told that the lowest monthly payments were {$540.00} of all the plans and that 's the one I went with. For the past 2 years I 've made those payments. I recently submitted a new employment verification form and noticed that there was a place on my online account for " qualified number of payments '' applied towards my loans for the PLSF program. They all said XXXX. So I called to ask why. I was told that I am in a standard repayment plan and not an eligible repayment plan. But if I wanted to change into an income-driven plan now my payments would go down to {$400.00}. That does n't make any sense. Two years ago when I was looking for the lowest monthly plan my husband 's income has increased. My husband has also taken on student loan debt in that time. The lady at FedLoan that I spoke to today said there are notes on my account from XX/XX/XXXX where the rep I spoke to recommended I go into an income-repayment plan. But the only logical reason I can see for doing that would be if my monthly payments would have been lower than the standard plan. And of course I do n't have a recording of that conversation, but I swear that the {$540.00} was the lowest. The next lowest option was around {$700.00}. I feel that I was mislead by the rep I spoke to in XX/XX/XXXX by quoting the wrong monthly payments that forced me to choose the plan that I 'm in to be able to afford the payments. I asked the rep today that she file a complaint with FedLoan for me and have somebody pull that phone call conversation so we can know for sure what was said. I feel duped. I 've made larger payments than I will be going forward once I move into the Income-based plan and none of it is considered eligible for the PSLF program. 

AND ONE MORE THING. FedLoan Servicing makes it nearly impossible for you to know what repayment plan you 're in! It 's not available anywhere online. Nor on the statements. I had to call to ask.
Consumer complaint received 2016-06-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

I have requested on several occasions, both written and by phone communications that I want copies of all student loans procured with XXXX. I requested a complete detailed ownership chain as to who owns these debts, I requested each loan number, assignments of debts and any or all securitization trust these loans reside. To date there are no loan histories that I requested, including the name and serial number ( s ) of each trust there loans reside, or if they are guaranteed by the United States Department of Education, I demand copies of any securities agreement between myself and the Secretary of Education. I aslso requested a consolidation agreement sent to me on all loans. It appears that a number of my loans are duplicated on my credit report, ( See Attached ). Therefore, I need true copy originals of each validated loan transaction and a consolidation agreement to be mailed top me within thirty ( 30 ) days, along with verification of ownership.
Consumer complaint received 2015-09-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (CA)

My parents took out private student loans with the now defunct XXXX XXXX XXXX back in 2006 with me as the primary account holder. At the time, the financial crisis was wreaking havoc on our lives and we were forced to take out loans with who ever would offer them in order for me to finish college. After I graduated, the company went bankrupt then split and sold off its loans to other holding companies. These companies either did not reach out to me, or reached out to me at old addresses. 

The splits and buy outs meant that I now had many more loans with many more companies. Having an unknown number of companies to find and contact about what debt I had with them made it very difficult to get my finances in order. As such, XXXX of my loans fell through the cracks and ended up with very large late fee and interest build ups as I did n't even know they existed. 

Since finding that I have these outstanding loans, I have done all I can to come into good standing with them via some type of rehabilitation program. XXXX company, AES, currently would like me to pay an outstanding $ 16,000+ before they will allow me to begin paying the loan amount of {$31000.00} + interest. They will not take any type of negotiation and at this point have assured me that I will be unable to make any progress with them unless the {$16000.00} is paid in full. As you can imagine, this is simply impossible for me. 

I am not looking for someone to step in and erase my debt. I knowingly took on the original loan, and I intend to pay for it as I should. I am however, looking for a way to be seen as something other than a dead beat for attending college. I went to school and worked as hard as I could to be successful in my field. Since graduating I have done just that, but have been treated like some kind of criminal due to these marks on my credit report. 

Any help would be greatly appreciated.
Consumer complaint received 2016-09-24
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AMERICAN ADVISORS GROUP (PA)

RE : XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Vandalism, Theft, Damage, Fraud on behalf of property preservation company, servicer and or lender. 

To whom it may concern, This letter involves damage, theft of personal property and possible fraud caused by the property preservation company XXXX XXXX XXXX XXXX XXXX, Their employees, contractors, and or subcontractors. 

On or about XX/XX/XXXX XX/XX/XXXX secured and winterized this property at the request of the servicer and/or lender due to taxes that were not paid by the borrower. During this time frame the property was vandalized, Items were taken form the home, and the improper winterization of the property caused major water damage within the home. 

The property preservation company replaced a roof on a shed stating that they replaced XXXX square feet of roof deck and roofing material. The issue is that the shed is only XXXX '' by XXXX '' for a total of XXXX square feet. Then they charged for XXXX sq ft of roofing material but install XXXX different roofing materials on the roof. 

It is my understanding that HUD has to approve these repairs and in just this one issue I believe the maintenance company may have committed fraud based on the false statement of square footage of the shed roof. 

I have been dealing with these issues since XX/XX/XXXX with The Maintenance Company ( XXXX ) The Servicer ( XXXX ) and The Lender/investor ( AAG ) as well as the insurance carrier at the time ( XXXX ) Insurance Co. Obviously to no avail. All entities involved refuse to accept responsibility. 

I have detailed documents supporting all my concerns and have run into walls with all involved. I am requesting that someone contact me so that I can get some questions answered and hopefully offer a solution on how to move this issue forward. 

I am currently seeking {$7700.00} in restitution for Vandalism, Theft of personal property, Fraud, and water damage due to improper winterization of property. 

I believe that AAG should be held accountable due to the fact that they are the lender/investor that contracted with XXXX XXXX XXXX XXXX XXXX. It is my understanding that the lender must assume FULL responsibility for all actions created by their contractors as noted in the XXXX letter to motrgagee. 

I can be reached at any of the above contact points ( preferably phone ) at your earliest convenience. 


Sincerely XXXX XXXX Son of deceased parents XXXX and XXXX XXXX
Consumer complaint received 2015-10-02
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Receiving unwanted marketing/advertising
Company: Credit Plus Inc (OH)

These companies have caused my credit score to drop XXXX points do toHARD INQUIRESXXXXXX/XX/XXXXXXXXXXXXXX/XX/XXXXXX/XX/XXXX XXXXFinanceXXXX XXXXXXXX XXXX, XXXX XXXXMisc. 
I XXXX XXXX do want these removed.
Consumer complaint received 2016-10-20
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CarMax, Inc. (NC)

Carmax auto finance was recently disputed from transuion credit file and was removed from file on XX/XX/2016. They re- inserted the account on XX/XX/XXXX but with no notification to me .I have disputed this fraudulent account with this company with deceptive tactics that they didnt consider my dispute because they responded before they got the notified letter they sent me which should be documented. I am backing up this claim with a law suit.