davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-14
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2017 I set up a billpay account with my chase checking account. I attempted to pay XXXX XXXX XXXX the sum of {$300.00}. I later received a call from a garbage company by a similar name ( XXXX ). They said that they had received an electronic payment and wanted to what it was for. They informed of the amount and I told them that Chase Bank had sent it to them in error. They said they would make an electronic refund. To this date, XXXX XXXX, 2017, Chase Bank has not acknowledged they have received a refund and insist that they sent the payment to XXXX. This is not true. XXXX has not received payment from Chase Bank. I would like Chase Bank to refund {$300.00} to my bank account. I believe the error is theirs, not mine..
Consumer complaint received 2016-03-06
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (FL)

On XXXX XXXX 2016, Citi Bank closed all my credit cards unexpected and about XXXX thank you points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fees on multiple cards and just lost all benefits I should enjoy upon the account closure.
Consumer complaint received 2017-03-01
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (NC)

In XXXX I signed up for a Chase Marriott Rewards card. I ran into financial problems and the account went into charge off status. I ran a credit report in XX/XX/XXXX and found some inaccuracies in the way they were reporting the information to the 3 credit bureaus. I sent them two letters certified asking them to look into the inaccuracies. They include ... reporting different dates of activity post charge off, an inaccurate final balance, marking the account past due and charged off simultaneously. The final straw was they failed to inform the credit bureaus that I was disputing the tradelines and they failed to have the disputes noted on the reports within 30 days per FCRA Sec 623. In fact they have NEVER had the disputes noted. The creditor can be fined {$1000.00} per incident. I will attach copies of my reports and certified letters to this complaint. I called Chase to resolve this by offering to pay the disputed balance but they said I no longer had an obligation to pay since the account was charged off and not in collections. I asked then ... if it is charged off and not in collection how can it be past due? Past due would reflect an open account status. At this point this is my last step before litigation. The incorrect way that the account is being reported is leading to a worse credit score than if it was properly reported. Chase has violated my rights under the FCRA by not reporting the account as disputed with the credit bureaus.
Consumer complaint received 2016-07-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MA)

Just this past week I received from Chase another statement, dated XXXX/XXXX/16 if you compare it with the other one dated XXXX/XXXX/16 you will see the difference in not only the amount of their monthly payments, but also Chase stating on one of them I am missing payments since XXXX 2016 and the other since XXXX 2016. The math in the minimum payment is nuts! going from {$420.00} -- also wrong including many errors -- to over {$600.00} -- per month. All of my payments are in there records many times!! they are altering the records to push me into fraudulent foreclosure. Someone needs to do the math on all of their records which contradict their own numbers.. Just see these XXXX attached is one of many samples of Chase Banks altering records. I am amidst investigations and Chase is being aggressive towards committing fraud to push me into the streets to take my home in any manner they can before they are exposed for their crimes, and abuses to me. Chase also refuses to pull me out of this FRAUD foreclosure while these investigations are taking place, including the FHFA, FHFA-OIG and etc ...
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (MA)

I have been charged by a transaction for a lodging service I never received. In terms to solve this issue, I opened a dispute with my Credit card provider, JP Morgan Chase, and followed their instructions. After I provided everything concerning this case, including mailing by post office to Chase the docs that prove I never could make this hotel reservation, Chase has decided to position itself in favor the merchant instead to defend my interests as their client. So Chase has communicated me that they have decided to charge me with this transaction anyway.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NC)

My loan started with XXXX and then went to XXXX and now back with Navient. During the time my loan was with XXXX I requested several drop in payments due to inability to pay. They told me that due to my income they can not do anything but I pay alimony and could not pay what they were asking. Now that it is with Navient again I have requested a reduction in monthly payments and they have told me there is nothing they can do. I have a lot of debt and struggle to pay it all. I pay alimony and child support as well. I believe i have been charged a lot of interest and late payment charges over the years that were unfounded.
Consumer complaint received 2016-12-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I deposited an out of state check from XXXX XXXX bank of XXXX CT into my Chase bank checking account for {$2600.00}. I had an available balance of {$1100.00} and a hold to be released on the check of XX/XX/XXXX. I made XXXX online payments to XXXX and XXXX visa for a total of {$1000.00}. I subsequently received an email from XXXX indicating the payment was refused and I was no longer able to make online payments until I setup another account. I contacted my local branch on XX/XX/XXXX and was told that the account was restricted with no other information as to why. I spoke to XXXX XXXX and XXXX XXXX at Chase branch with no information given ... Chase also locked up my payroll deposit from XXXX deposited on XX/XX/XXXX. Subsequent conversation with my payroll department indicated that Chase took the payroll check and they could not pay me until Chase returned the money. In conversation with Chase branch manager XXXX XXXX on XX/XX/XXXX she indicated that the account will be closed and the check if it clears by XX/XX/XXXX a check would be mailed to me. The original amount ( {$2600.00} ) was deducted from the XXXX checking account on XX/XX/XXXX.They are now going to hold the deposited check for XXXX or more days ( original release date was XXXX and is now after XXXX. I have attached copies of Chase website showing balance and release date, XXXX notification, XXXX checking account activites, and a copy of Chase lettter dated XXXX mailed XXXX and received by me on XXXX with no explanation of what the problem was or how to fix this unknown problem. The XXXX account belongs to a childhood frien that I have power of attorney as he has had a XXXX XXXX and a XXXX ...
Consumer complaint received 2017-02-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

My personal information was leaked or stolen XX/XX/2008 and has been used to obtain medical accounts, loans, and education in my name. I was barely legal I 've been aware of this but had no resource or way to fix it. Tried disputing accounts, tried locking my credit, tried calling the places, and even changing my social. Was n't until last year I did more research on how to take control of this. My wife and I both have been affected and have managed to buy stuff given this, and when we spoke to the police department they did n't have many answers just to either go to the credit bureaus or change my name because they said it was common? I 've been compiling evidence or proof against the creditors and credit bureaus because they do n't seem to care or they think I 'm lying. Figured this was my last stop or just wait seven years I guess for this to fall off my credit.
Consumer complaint received 2015-05-29
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (VA)

I requested that the XXXX party agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from mycredit report.
Consumer complaint received 2016-05-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

This complaint is against Chase bank - Line of credit Acct. # XXXX 1- My line of credit was modified ; my first payment was made on XXXX/XXXX/XXXX for {$160.00}. I recalculated the payment for the last 5 years and it was supposed to be {$160.00} What do I want? 
Adjust my account to reflect the correct payments, and send me a check for the difference. 
The bank MUST show me their step-by-step calculations. This should not be a mystery. 
2- Chase sent me a letter in XXXX XXXX and again in XXXX XXXX, detailing the new payment is {$160.00}. However, when I made the payment, it was increased to {$170.00} without any explanation. I called and was given complaint no. XXXX. Nobody was able to explain this discrepancy, claiming that all of this done in the " back room '' What do I want? 
Adjust my account to reflect the correct payments, and send me a check for the difference. 
The bank MUST show me their step-by-step calculations. This should not be a mystery. 
3- When I make an online payment on Saturday, the system debits my checking account instantaneously. Then, post the transaction on Monday. That means I lost 2 days of interest to their favor. 
Well, let 's be honest, if you take my money NOW, you must give me the correct credit NOW. 
What do I want? 
Chase should go back and check all of the payments that were made on Saturday, and send me a check for the difference in interest calculations.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2015, I became aware that a merchant had defrauded me on ten occassions. I contacted the Chase Credit Card Company on XXXX XXXX, 2015 and informed them of the fraud. I submitted my documentation to Chase and was able to resolve XXXX of the fraudulent transactions, but Chase continues to deny me XXXX of them. The first charge Chase ignores, denies the next XXXX, and grants the next XXXX by giving me a credit to my card. I have written a total of four letters to them without any understandable explanation as to their actions. They admit in their denial letters that they never were able to reach the merchant, but ignore the fact that the merchant went out of business and is now in bankruptcy court in XXXX XXXX, California. They never address why they credited me for XXXX, ignored XXXX, and denied XXXX.
Consumer complaint received 2015-06-26
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (UT)

A XXXX dollar home was built in our neighborhood. Prior to people moving in, the house largely burned down, creating a major eye sore for the entire neighborhood. This occurred on XXXX XXXX 2009! And, to date, XXXX XXXX Chase declines to assist in any way to facilitate in assisting the neighborhood clean up this ugly mess seen here on XXXX : XXXX NOTE : I have personally, as well as countless others in my community contacted Chase about help. They say they can not & will not talk to us about this, as we are not the owners. However Chase annually pays the property taxes, not to mention " other '' costs, so they have a financial interest in the property. They just do not care enough about the local personal property owners to bring this matter to a close or rectify it by rendering assistance to us!
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (VA)

While paying my student loans, I was directed to pay at least {$500.00} per month and I was XXXX receiving Social Security XXXX at a rate of XXXX per month. Year 2009. After paying thousands of dollars, my loans were dismissed due XXXX.
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CA)

I basically was offered this XXXXXXXXwhich was XXXXXXXXpoints for signing up with Citibank and spending {$1000.00} in 3 months or less after me opening an account. I have repeatedly contact both XXXX XXXX and Citibank for 2 months now and they keep blaming XXXX another. Nobody seems to care to honor their offer.
Consumer complaint received 2015-11-08
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

I had a joint Citi Card with a debt of almost $ XXXX. I have paid off this card for almost 1 year. 
However I just noticed Citibank is still reporting this debt to Credit Agency - XXXX which is killing my credit score. Please immediately have Citi Bank remove this from my Credit Report. 

This information was found on XXXXCITI {$34000.00} {$35000.00} ( XXXX % utilization ) TransUnionA complaint also filed about XXXXCase Number # XXXXThanks, XXXX
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: EVERBANK, NATIONAL ASSOCIATION (AZ)

I have been attempting to refinance my mortgage with Everbank. I currently have my mortgage with them. My loan has been approved and we have been waiting on them to close. 

The issues are such ; 1 ) They lied to me pertaining to the amount of my closing credit. I have disclosures and an email from them with one number. Unfortunately, they are trying to push it through via another number. I believe that this is due to the fact that they have taken so incredibly long to close, rates have gone up, and they do not want to pay for another rate lock extension. 

2 ) They do not return calls. XXXX XXXX and XXXX XXXX do not return calls. They do not keep me updated within the process and they frankly do not care about me at all. The way they have treated is not only disrespectful but further it has jeopardized my ability to refinance due to # 1 and # 3 below. 

3 ) The continue to have inaccurate info. I have told XXXX on occasions that my property insurance is with XXXX. He has neglected to correct this in the documents and settlement paperwork. Why this matters is because they are wanting me to come in with money for closing due to insurance being underfunded. However, they are basing this upon coverage that doesnt exist. They are pulling data from the wrong home owners insurance company ( XXXX XXXX ) rather than mine which is XXXX. 

4 ) Most importantly, they do not answer the phone. They dont return calls. And if you do magically speak with someone, they do not return your call to let you know if the issue has been resolved and also if they need info from you to resolve the matter. 

These employees in the XXXX office should not be allowed to do anything within the financial services field. It is just too important of work. 

The bank is Everbank. 


XXXX XXXX XXXX
Consumer complaint received 2016-11-12
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

I followed a direct link from the XXXX webite for earning a new card member bonus of XXXX rapid rewards points after spending XXXX in first 3 months after opening a Chase Southwest credit card. I purchased airline tickets and spent the {$1000.00}. Instead of honoring the advertisement- I was bait and switched. They gave me a {$200.00} statement credit and a XXXX rapid reward new member bonus. I complained and their response was that was what I applied for. I am very clear on what I signed up for. The XXXX new member bonus is highly publicized on the XXXX website, and on their planes. The interest rate on this card is astronomical- I only applied for advertised bonus. I have requested that they take back the statement credit, and issue me the remainder of my miles. I have sent XXXX inquiries, and only received XXXX response.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NC)

This is regarding a Chase Bank Credit card. I have a promotional balance on this account and used it for a small purchase in XXXX. I paid more than the purchase amount that month but it seems that the interest bearing balance was not paid first. I also was assessed a fee for late payment so I paid extra that month to cover the fee ... but the same situation applied. It seems like I am being charged interest on a FEE that in my mind, I already paid!!! I feel like these practices are predatory and trick the consumer into sustaining an interest bearing balance for an extended period of time. It seems like I have no way to pay off the interest bearing portion until the non interest bearing amount is paid first. It seems like a trap. Because the assessed late fee was my first and only, due to a simple oversight, and paid promptly once I noticed the payment was late, I request that fee be waived. Thanks. I also hope that Chase bank changes the way they apply payments when a portion of the balance is interest bearing and another portion is not. Payments should go toward and interest bearing portion first.
Consumer complaint received 2016-10-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

Chase mortgage started a foreclosure against me in XXXX despite the illegal activity that has occurred in my mortgage since XXXX. Chase willingly started this foreclosure with knowledge of my disputes and a FTC settlement in XXXX that says they can not start a foreclosure if there are disputes unresolved. Chase continued with foreclosure. I have complaints filed with consumer finance bureau during this ime since XXXX. Chase refusing to correct mortgage. My Chase loan number is XXXX. In XXXX of XXXX Chase withdrew their motion in Supreme Court. On XXXX XXXX XXXX I recieved a letter from Chase stating on XXXX XXXX, XXXX my loan is being transferred to XXXX XXXX XXXX XXXX XXXX my loan has been sold so many times none of the new servicers have been willing to take responsibility for the mishandling of my loan. Only leaving me to start over again with my disputes. During the last four years Chase has had me in Supreme Court for Forclosure My escrow has been charged thousands of dollars for legal fee and foreclosure fees. Chase started this foreclosure knowing of the many disputes and was aware of FTC XXXX settlement. The end result was they withdrew their motion and now wants me to pay all their fees for the foreclosure. I should not be charged any fees. And the new servicer can not be allowed to start a new foreclosure until the disputes are answered and dealt with.
Consumer complaint received 2017-03-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Penn Credit Corporation (FL)

I am writing in reference to a collection agency that I recently received two letters from named PennCredit Corporation. I reached out to them to determine the reason for the letters and how they determined the amount of {$230.00} and I was treated so horrible. Every individual I spoke with was outright rude including the managers. 
I was not able to get help with a resolution and was not able to get a valid explanation to how the debt was determined because they all spoke over and would n't listen to me and I even believe I was hung up on. 
They are engaging in unfair collection practices, every person I spoke with was rude and had an attitude and spoke in an intimidating manor. 
They simply were not interested in helping me with a resolution and as such I am wanting to submit a complaint and dispute the validity of this debt.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

I disputed a couple of accounts that showed as delinquent on my credit report since I could n't find any record of those accounts in my files. I asked them to provide physical proof of verification of the account or remove them from my credit report. Their response was that the account had been verified but did not provide either the name of the employee who verified the account or physical proof of the verification of the account. Do n't they have to verify the accuracy of the data reported not just report whatever is sent to them?
Consumer complaint received 2016-04-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (SC)

I suspended XXXX ... now XXXX service billed at my father 's house untill futher notice/ my authorization to return cable service. XXXX XXXX proceeded to turn on the service without authorization and while no one was living in the residence.. The charge was tranferred to me as the personal representative for his estate. 

I am being negatively impacted by a company called FOCUS RECEIVABLES MGMT LLC. They filed negative and false info affecting my credit score and purchasing power. 

Is ther any thing can do to fight this BOGUS claim?
Consumer complaint received 2016-05-20
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: EQUIFAX, INC. (GA)

My student loans where all consolidated into XXXX loan I was told that it will clear off my credit report to show as paid in full however I 'm shopping for home loan in because of this error I 'm unable to receive loan can you please assist me with this task. Thanks
Consumer complaint received 2016-09-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (SD)

In 2012 XXXX XXXX deceptively : - engaged in double cycle billing - improperly assessed my account a late fee, - in violation of the FCRA negatively reported to all XXXX credit reporting agencies the late fee I am attempting to re-finance my home, and the negative reporting is directly affecting my ability to refinance my home on better terms including a better interest rate, lower monthly payments, restricting my ability to refinance other debt. This is costing me significant amounts of money. Due to the deceptive nature of the credit reporting need XXXX XXXX to clear on all XXXX credit reports any negative history so I can proceed with getting ideal financing. This is directly affecting my reputation and harming me financially. 
XXXX XXXX was already faced with a {$210.00} XXXX dollar enforcement action due to improper marketing and billing, and I continue to be harmed by the deceptive practices XXXX XXXX was engaged in during that time. I need negative reporting cleared so I can proceed with a better financing of my debt.