davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-06
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

My daughter requests her rent payment from me each month via Chase 's QuickPay application. We have been using this to transfer her money since XXXX. For the XXXX rent, she requested on XXXX XXXX, however as of today, XXXX XXXX the funds are still not available in her account. I verified that the funds were withdrawn from my non-Chase bank account on XXXX XXXX. I contacted Chase at the XXXX phone number found online. They told me that the transaction was accepted on XXXX XXXX after their cut off of XXXX Therefore the process would not start until the NEXT business day AFTER XXXX XXXX. Using this logic, the representative stated that XXXX XXXX was day XXXX, XXXX XXXX was day XXXX and today ( XXXX XXXX ) is only day XXXX. I was told the process " can take up to 5 business days '' to have the funds available if from a non-Chase bank account. Then I was told that funds " could be '' available either Thursday or Friday ( XXXX XXXX or XXXX XXXX ). I was not pleased with this confusing answer as I have not had this type of " hold '' treatment on the other funds we have transferred. I believe this in an excessive amount of time to withhold funds on a recurring transaction that can been seen each month since XXXX. I think it is also deceptive to arbitrarily apply the holding of funds and not have a definitive timeline of when they will be available. I confirmed that the funds were withdrawn from my non-Chase bank account on XXXX XXXX and asked where they were. The representative stated whey were " in process ''. Once again the timeline is not consistent with my other transactions. Please review this matter with Chase. I want to ensure other college age customers do n't unnecessarily incur late fees ( for rent ) when Chase has chosen not to release funds that are valid and have cleared the sender 's account! I believe the monthly transfer details, Chase emails of the request and acceptance of the transfers, and screen print of my non-Chase bank account withdrawal will suffice to represent this complaint. 

Thank you for your consideration.
Consumer complaint received 2017-02-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX, 2016 both my checking and savings acct were wiped out completely. over {$10000.00} was gone. I believe i lost my card some time around XXXX XXXX. I did not notice the fraud activity until about 2 days later when chase sent me a text message asking if i had been the XXXX to make these transactions i replied NO assuming they will handle everything. at that time about {$300.00} was missing. within a couple of days ( thinking chase was handling the issue ) my money was tranfered from my saving into my checkings and all of my money from both accounts were gone. i finally call XXXX XXXX asking WHY things werent handled and why my acct wasnt closed. I filed disputes and several claims. out of {$10000.00} i was denied XXXX claims totaling to {$4800.00} XXXX when i asked chase to listen to the recording of the " person who authorized the online transfer '' they denied me and stated that i needed to supbenea them first. Lastnight at XXXX on XXXX i noticed Chase bank went into my NEW savings acct and took back XXXX temporary credits made to me back in XXXX. Noone called me, no letter was received, or anything notifying me that my claims were denied. I call chase lastnight asking why and the rep stated i made transactions while the fraud activity had been occuring ( which where monthly automatic pay ) to my XXXX program. I went thtough chase executive dept and filed a compliant but that was also denied. i do not know what more to do.
Consumer complaint received 2017-10-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX - I deposited a $ XXXX check written to me drawn on a XXXX bank account. I usually rip up my checks, but for some reason, either this one did n't get ripped up, or it was re-created, I 'm not sure which. 

XX/XX/XXXX - Someone took or used the same check referenced above, went to a XXXX bank in downtown XXXX XXXX and cashed that check. 

XX/XX/XXXX - Citibank debits my account for $ XXXX. No reason is stated in the debit notes, no letter sent via regular mail, email, or citibank mail. I have to call my local branch and they have to tell me that a check was negotiated at XXXX and XXXX charged them for the money. I was then penalized and my money taken out. No additional money was ever taken from the chase customer who wrote the check. 

XX/XX/XXXX- I reach out to my citibank gold hotline about this fraud. They tell me they can not open a fraud case because there was no fraud on my account. They tell me they can not open a forgery case because there was no forgery on my account. I ask to speak to a supervisor. No supervisor is reached so I am told I will get a call back immediately regarding the situation. As of XX/XX/XXXX nobody has called me back. 

XX/XX/XXXX - I reach back out to the citibank manager I was dealing with before and she is amazingly helpful. She reached out to the escalation department who told her that Citi bank honors the 2nd cashed check, not the original mobile deposit? This is outrageous and makes no sense!! I am told to go to XXXX, track down the check and bank it was cashed at and file a fraud claim with them. 

XX/XX/XXXX- I go to the nearest XXXX bank, I 'm told there is no record of second check being cashed. XXXX then gives me the reference # and back of house information on the check. I present that to XXXX and they tell me, yes someone did cash a check at the XXXX XXXX XXXX location in XXXX XXXX. At midnight when checks were getting cleared, XXXX did not let the check clear and Citi was alerted. 

XX/XX/XXXX - I finally am able to reach the manager of the XXXX XXXX XXXX branch where the check was cashed, and SURPRISE!! I am told to call Citi 's customer 's service and file a fraud claim so that Citi can initiate a search and investigation into the transaction with XXXX. At the branch level they have no way of accessing these documents or videos now. 

SO please tell me why Citi tells me they ca n't file fraud claim for me? Tell me why, instead of being my advocate, they are telling the fraud victim to be a detective?? Please tell me why, I am being punished for a XXXX teller error by Citibank. I have worked in banks before and this kind of treatment is pathetic. This is n't service, this is a disservice. I have wasted more time ( and when that time is translated into money based on my hourly rate ) chasing down my money, than what Citi STOLE, yes STOLE from me.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MARINER FINANCE, LLC (NC)

Mariner Finance XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX {$1300.00} I have been in contact with this agency several times, first class mail, certified mail, return receipts and still no response. I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to North Carolinas Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. MARINER FINANCE has never proved this debt belong to me legally.
Consumer complaint received 2015-12-31
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/XXXX I had used my Chase Visa Rewards Card to stay at the XXXX. I had also used my XXXX Card for the second week. To my surprise during the second week when I was sleeping I felt something crawl across my arm and I quickly jumped up and screamed, my daughter turned on the lights and it was a bedbug crawling on the bed. We caught the bedbug and took it in a jar we found to the front desk. They said they would move the room and have the manager call us ASAP. After moving all of our stuff in clear bags of course to the elevator and XXXX floors up with no help I contacted the customer service dept at Chase Visa and the XXXX XXXX .Well the staff at that time sounded sympathetic about the problem and told me that they would be following up with this in the next couple of days. The c/s at the XXXX XXXX removed the charges and gave me credit for my bill, However the Chase card services gave me such a hard time even after knowing that we had to throw away our belongings and repurchase the things that had been infested and appeared to have bedbug eggs. We were at the hotel because we had just moved from our home and the new place we were moving to had been delayed due to a fire that had happened. It was obvious we were homeless. There was absolutely no c/s support after the report was made we had got the building inspector and health dept and the hotel had been previously cited for bugs and they cited the place again. 

The Chase card services did not reverse the charges and I had to pay the full amount. This included finance charges from XX/XX/XXXX until XX/XX/XXXX. So now on XX/XX/XXXX I receive the attached letter and I called the phone number they wrote on the letter to speak to the c/s because I understood that the amount in dispute was resolved as they have stated in the letter. I called on XX/XX/XXXX at XXXX. I spoke to a Chase card specialist named XXXX who told me that the XXXX cent credit that I see on the account is what I was entitled to. He also said that there were a lot of other people that had this refund coming to them. I told him that I was charged a lot more than XXXX cents finance and I asked him what do they mean by saying the dispute was resolved I paid it in full, he did not answer me but continued to talk over me rudely blabbing on and on. I felt it was necessary to terminate the call due to the fact that he was completely giving me the run around. I felt at that time to contact your agency for help.
Consumer complaint received 2015-08-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

Complaint : Denied loan modification/refinance of real estate by Chase based on terminology ( mortgage vs credit line ) When I wanted to refinance the1st mortgage on my property in XXXX, it was suggested that I apply for a credit line instead, which I did. It is the only lien on the property ; it is effectively a mortgage on the property with the property as collateral. Fast forward past the economic downturn in XXXX and then further to loan modifications offered to certain property owners. 
I own two almost identical properties, only a few doors apart. They are XXXX rental properties. One is financed by a mortgage and I was contacted by Chase in XXXX regarding a loan modification at no charge to me and regardless if the property was worth less than the existing mortgage amount. The current rate after modification is 4.625 %. The second property mentioned in the first paragraph did not qualify since it is financed by a credit line ( at 7.75 % ). This property should qualify. And it should be modified/refinanced at a lower interest rate comparable to the rate on the other XXXX identical ) property. I would rather not oust the tenant and hurt my credit score by letting Chase foreclose on this property, but I can not continue to carry it without a lower interest rate. 
.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/2016 I applied in-branch for the Chase Sapphire Reserve. Chase did a hard pull on my XXXX credit report and immediately declined me for " too many cards open in the past 24 months ''. Upon calling XXXX services, they explained to me that they have a rule called XXXX. If you have opened XXXX or more credit card accounts in the past 24 months, you will be automatically declined for a most varieties of Chase cards, regardless of your credit score or history with Chase. I have top notch credit and excellent history with Chase. I have opened exactly XXXX new credit card accounts in the past 24 months. If Chase wants to do that, they certainly have the right to. But nowhere, in any brochure or disclosure, does Chase warn you of the XXXX rule. It is only after you apply that they inform you. This is a deceptive lending practice, and hurts my credit by putting a hard pull on my credit report for absolutely nothing. If Chase wants to continue with XXXX, it needs to be clearly disclosed on every advertisement, brochure, and application disclosure in order for the consumer to make an informed decision.
Consumer complaint received 2017-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CA)

Hello, I have just been informed about Navient 's class action law suit and quite frankly I am shocked that Navient di d n't say anything about this. I had pulled out loans for school back in  XXXX . I was told that I would n't have to pay any interested until 6 months after graduation. In  XXXX , my parents received numerous calls from Navient saying I was late on payments and that I needed to pay, otherwise my credit would be really bad. I talked to all my friends who had the same exact loans, and none of them were in the situation I was in. I was extremely confused and in the long run just brushed it off because I did n't want to have bad credit.. I was afraid for that to happen to me, so I started paying interest during my second year of college and since then have been paying. They stopped calling after that. I would really like someone to help me with this situation please. Especially now that people are coming out about Navient, I also would like an answer. Thank you.
Consumer complaint received 2023-02-08
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. (PA)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2016-01-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (FL)

. I was told by XXXX XXXX not disclose anything issue to Westlake Financial when i purchased the car. The following day, the car was n't working properly. 

2. My car has not worked at all since XXXX XXXX, XXXX - I purchased the car on XXXX XXXX, XXXX. 

3. Westlake Financial knowing knew thereafter about the problems as I disclosed to Westlake. They said, there was nothing they can do. 

4. In XXXX XXXX and in XXXX XXXX, they promised to forgive the months and offered to put the payments in the rears. I just found out, they reported those payments late and have not forgave the payments, Instead, accrued interest. 



5. Yesterday, i attempted to trade my car in. When the dealership ran my VIN number, they uncovered there had been odometer fraud prior to my purchase and that my car was XXXX miles over what the car stated. Westlake Financial knew of this issue when they ran the car fax and did not disclose to me upon their due diligence interview with me. 

6. Fees have been accessed for returned payment. There has been no returned payment as bank sent a letter for forgiveness to to account fraud. On 2 separate occasions, I set up auto pays and Westlake confirms the auto pay then without notice, rescinds the auto pay, therefore you are late and must pay all fees. 

7. Today, I spoke with the Collection Supv. and he stated I needed initiate litigation with the dealership and ended the call. 



Please provide full retail trade in value to the new dealership ( TBA ), forgive debt on dishonest collection processes as required The Consumer Collection Bureau, Remove all fees and other charges, Remove past due payment from all Credit Bureaus and establish new loan with a lower interest rate.
Consumer complaint received 2016-03-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I have XXXX accounts with Chase, XXXX checking and XXXX savings. My mother is on XXXX of the savings, jointly. When she logged into Chase using her credentials, she was able to access the information in my personal checking and savings, where she is not listed on the account. She could see all statements, every debit, etc.
Consumer complaint received 2016-05-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

Requested lender to remove PMI for last two years. Sent few written letters. They wanted the home appraisal to be done at my cost, which I havent done. 
Loan took around XXXX Current loan outstanding XXXX which is about XXXX % balance.
Consumer complaint received 2017-07-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lending Club Corp (CO)

I secured a line of credit with the lending club in the amount of {$11000.00} in XXXX of XXXX. I begin having problems in XXXX of XXXX. The Lending Club did not send me statements in XXXX, XXXX or XXXX. I sent my payments those months but was not able to see how my payments were being applied or if they were being applied on time. In XXXX, I sent a money order in the amount of {$510.00} and called on XXXX XXXX to ensure my payment was applied. As of XXXX XXXX the money order was not applied so I called the issuer of the money order and learned the money order was cashed. I sent another payment to the XXXX XXXX to avoid being late and have opened a claim to find out who cashed my money order. I have had nothing but problems and as a senior citizen I feel I am being taking advantage of.
Consumer complaint received 2017-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CA)

Applied for  XXXX  credit cards in  XXXX  of  2016 a t the same time.  The Sapphire and the Freedom . The application process and disclosures on t he Sapphire led me t o believe th at the Sapphire had  an 0 % introductory rate. The most noticeable difference between the  XXXX  cards was  XXXX  was used for travel and had a hefty annual fee and the freedom did not. By comparison th e Sapphire was the better card ( especially when I believed the intro rate was also on the sapphire ) so this was the card I  chose to be my everyday card. The plan was to use the card and made multiple payments per month to keep the balance down and especially since there 's an introductory rate. I unfortunately only found out recently, after noticing all the payments ive been making is not catching up to the balance. This led me to take a closer look at my statement and in shock, discovered I 'd been charged interest every month since  XXXX     2016. W hen I called  Chase, they explained the Sapphire has never had an intro rate promotion ( despite offering the card closely with other Chase credit card products with introductory rates ). When I asked if they could help with the interest I 've been charged, they simply reiterated that the Sapphire card has never had a promotional rate and there 's nothing they could do.   I feel so violated and misled thinking I 'm using my credit card well and now I have this mounting interest charge I was never clear about from the first place.
Consumer complaint received 2017-03-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (AZ)

It was a credit card my wife had in XXXX with Chase Bank before marriage and it was discharged in XXXX before marriage. My name was never on the credit card nor was I a guarantor. This debt collector brought the debt and say I now owe it. I do not know how this debt collector got my social security number and have filed a judgement under my name directly. They filed court papers as Community Property, but then under the Judgement Information Statement it did not state Community, it listed my name only. This has really burden me because it went on my credit report and cause me not to be able to refinance. I had n't check my credit report in a long time so did not realize this was in my name. I have disputed it with the credit bureaus and they have deleted it off my credit report. I have called this debt collector to get a release of judgement from my name and my property and XXXX said no. I asked him how to get this out of my name and the lien off my property and he laughed and said " you want me to tell you how to not pay me ''.
Consumer complaint received 2016-02-28
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX/XXXX/16, I had attempted to use my credit card at the gas station and also for a taxi, however, all attempts were rejected. I called into Chase asking why my transactions were being declined and they had informed me that all my accounts had been closed ( Checking, savings, credit card, business accounts ) On XXXX/XXXX/16, I had called Chase to inquire why my accounts had been closed and was informed that it was due to " unusual activity ''. I tried to inquire further on what the activity was, but was not given a chance to find out and the rep had mentioned that " Chase had decided to end the relationship '' with no further explanation and that I had to close all credit cards and withdraw all money from bank accounts within 30 days. I had received a letter in the following week stating the same instructions. 

On XXXX/XXXX/16, I had gone into a Chase bank branch and followed instructions to withdraw my cash from my checking/savings account, and inquired of the manager at the branch why my accounts were closed. He looked into my accounts and informed me that he could not identify any " unusual '' activity and did not understand why my accounts were being closed. I inquired if I could appeal the process, and was not given any further information. 

Without understanding what the action was which lead to all my accounts being closed and without any chance to appeal, I feel discriminated against and that this practice is deceptive and unfair.