davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I believe I was discriminated against while applying for a loan through Chase bank and they either lost or destroyed the loan documents in the process. Chase has elected to end my " Private Client '' relationship closing accounts that have been in my family for three generations. 

Chase 's decision to close multiple checking, savings, money market accounts, investment accounts, a Roth IRA, a Traditional IRA and any account with my name on it, including my adult children 's accounts, resulted in placing a " restriction '' barring access to all the funds, XXXX XXXX, 2016, without notice to me. 

As of today, XXXX XXXX, 2016, 42 days after the accounts have been closed, I still do n't have the money that was in them. 

I desperately seek your help and guidance, as I am highly concerned that without advocacy I may not receive the money in my accounts and the contents of a safe deposit box that was also closed. ( Their purported reason for drilling the lock and removing the box from the premises is based on the fallacious claim that I owed money. This was untrue, as it had in fact, been comped for years. ) Inexplicably and unbeknownst to me, they had already drilled the box months before they terminated the relationship. 

Chase made a decision, which I did not think they could make without my " voluntary '' consent, to also close all investment accounts. This is suspicious because for many months I 've made numerous requests to correct errors they made when establishing the accounts and alerted them of incomplete transfers of securities into those accounts, which were intentionally ignored. 

I have contacted the Chase Executive Office asking for their record of documents and I have not received anything related to the closing of the accounts and the closing of the safe deposit box. They only say, " Chase has the right to end the relationship without cause or reason. '' Further, I have not received any of the funds from the closed accounts or been given access to the contents of the safe deposit box. 

It is shocking to me that institutionally a bank has the power to do such damage to individuals and can insulate themselves from recourse because as I have been told, until I " lawyer up '', they are n't going to pay attention to me. 

A retired bankruptcy attorney and friend told me about this agency created by XXXX XXXX and the incredible work that has been done. Upon hearing my story over the weekend, he suggested contacting you. 

Thank you very much for your attention to this and please contact me as soon as possible.
Consumer complaint received 2017-02-26
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Nelnet, Inc. (CO)

I 'm attempting to have my student loans deferred for 1 year due to a job loss, continued custody court issues with my 4 year old son, and helping my elderly widowed mother whom has XXXX, pay for medicine. In XXXX I received an email from the XXXX. I responded to the email and wrote the omnibus for help to consolidate my student loans but never heard back. I left a voicemail for a XXXX at a XXXX XXXX location but never heard back. I 've asked my congressman, XXXX and XXXX of XXXX to help with a congressional inquiry. I 'm asking the CFPB to please help. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (CA)

Chase credit card provides an interest free period with the upfront payment of a transaction fee. The terms page with expiration date of the zero interest is at the end of the statement after the disclosures page and separated from the the main part of the statement. The expiration date for the interest free period is changed to blank on the statement for the month the interest is charged. However a zero percent interest is still shown. The expiration date for another zero interest advance is shown below it which can be misinterpreted as the expiration date for all advances. On the following month 's statement the advance amount is then placed in a different location showing the new rate. This is after the rate is charged. The changing of location of the advance amount, the excluding of the end date, along with a different date for another advance can make it confusing as to exactly when the interest free period ends. Other less significant information is more clearly provided. I have not had this confusion with statements from any other credit card companies. 
Upon contacting Chase, an agent offered to refer me elsewhere to resolve the problem. Later he stated he was aware that those alternatives were of no use. He stated that interest charges were not disputable. Several of my questions to him about disputes were not answered clearly or directly or were responded to with ambiguous terms.
Consumer complaint received 2016-01-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

My checking account was overdrafted on XX/XX/XXXX for a small amount ( $ XXXX- {$15.00} ). On XXXX of XX/XX/XXXX I had a deposit made that more than covered the deficiency. Chase proceeded to charge an overdraft fee of {$34.00} for the small ticket item, and refused to reimburse me. 

This is usurious, first off - {$34.00} ticket for a $ XXXX- {$15.00} deficiency that extended for less than a full business day??
Consumer complaint received 2016-11-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (TX)

On or about XX/XX/XXXX, I had my Chase Credit cards canceled without warning or notification. Upon calling to determine the reason I was told a letter would be sent explaining why and that no one would be able to inform me over the phone why my cards were closed. When I received said letter, it only informed me that my money market, savings, business account, and credit cards would be cancelled. No explanation given whatsoever, I have attempted to request at a local branch, but again no information is given. I am confused as I have all my accounts in good standing, do not engage in illegal activity, my payments are made on time and my credit score ( is/was ) above XXXX. I am more upset that despite my good standing a card can be cancelled without warning, this would have been extremely dangerous were I traveling abroad or in some medical emergency.
Consumer complaint received 2016-06-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Back in 2013 my account was closed by your company. I was not given a good reason but I expect that is was due to the chargebacks. In 2013 I had my identity stolen and majority of my card numbers compromised. This was a nightmare for years to follow. I had to file police reports, have a notorized copy of FTC, and have my credit report frozen. Since then my accounts have had no more fraud, my credit still remains frozen because i am scared of unfreezing it. Now Chase treats me like a victim and will not allow me to have an account. They simple state that we do n't have to let anyone open an account if we do n't what to for any reason. This is not right!!! I did not do anything wrong and once more I am the victim. Please have someone help me. They are required to give me a satisfactory answer!! THis is not right and everyone at the exceutive office wont help me!
Consumer complaint received 2017-01-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

Although I asked my student loan servicer to place me in the Income-Driven student loan repayment plan with the lowest payment, it placed me in a plan with a payment that was about {$500.00} higher than a payment I was eligible for. The details are below. In XX/XX/2016, I submitted an " Income-Driven Repayment Plan Request '' ( Federal OMB form no. 1845-0102 ) to have my servicer, Nelnet, calculate my payment under the above quoted form of student loan repayment. I asked, in Section 2, item 2, that " I want my loan holder to place me on the plan with the lowest monthly payment. '' As shown in numerous cites, e.g. the one below, at this time a new repayment program with the acronym REPAYE had come out that ( a ) was a plan for which I was eligible because my student loans are " direct '' loans as shown on my balance sheet from studentloans.gov and ( b ) caps the payment at 10 % of discretionary income. Instead of putting me in that plan, they placed me in the IBR plan, which caps payments at 15 % of discretionary income. This cost me {$500.00} a month extra over the past 8 months or so. 
XXXX
Consumer complaint received 2016-07-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I applied for a Chase credit card and was denied based on past bankruptcy information stored on their database. I filed bankruptcy in XXXX. I was advised by the Chase representative that my social security number was " flagged '' as bankruptcy on Chase accou ts. Chase Bank acquired accounts from Washington Mutual ( WAMU ) during a XX/XX/XXXXacquisition. I had a credit card serviced by WAMU, which I included in my XXXX Chapter XXXX bankruptcy. Subsequently, I was granted an approved discharge of debtor letter by the courts. My WAMU account was picked up by Chase upon acquisition, but after my BK discharge ( XXXX ). Chase converted my WAMU card into a Chase Slate credit card without my approval or consent so upon filing BK in XXXX on my WAMU card, Chase placed XXXX accounts onto their database ( # XXXX & # XXXX ) with account dates from XXXX & XXXX. These accounts should have never been picked up by Chase based on the fact that they are legally beyond the bankruptcy statute for consideration and the account was discharged prior to acquisiton by Chase, JPMorgan. I spoke with a representative to remove XXXX archived accounts without resolve. My attorney is deceased, but the Federal Records Center can verify bankruptcy discharge and list of creditors, which included my WAMU account
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NY)

I recently switched to the Chase XXXX XXXX card, and when it arrived I called customer service to cancel my Mileage Plus Club card ( also from Chase XXXX. The agent I spoke to on XX/XX/XXXX informed me that I would get a refund of my annual fee as long as I cancelled the card within 6 months of the fee being charged. She confirmed for me that I had until XX/XX/XXXX to cancel my card to receive a full refund of my annual fee. 
I called again on XX/XX/XXXX to confirm the refund policy and that I had until XX/XX/XXXX. Today I called to cancel the card and was told that the policy was changed XXXX weeks ago and that the new policy only allows 30 days so no refund would be issued. I spoke to a supervisor and he refused to help me in any way, or to provide me with a name or phone number for a more senior supervisor to help resolve the issue. Further he refused to provide me with contact information for your customer Ombudsman, XXXX of XXXX XXXX or primary regulator to report this situation.
Consumer complaint received 2016-02-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (FL)

Last year I open an account with Chase bank in XXXX XXXX, FL. In one week they had cancelled the account because I had mistakenly over drew the account by about {$10.00} or {$20.00} dollar ca n't remember the exact amount. It was an honest mistake I had just made the required deposit to open the account. 

This have destroyed me as far as opening any account with any bank. I have had an account with XXXX for over 25 years and I ca n't even open in additional account with them due to this. 

I do n't know what else to do, Chase Bank has destroyed my chances of opening an account anywhere.
Consumer complaint received 2017-02-06
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (IL)

I use my bank account to pay for my credit card debt on a regular basis. I have experienced problems with my privacy of my account being violated and my payments being manipulated. I have complained to the bank about this breach, but it will not investigate the breach and inform me when, where it happened, and who was responsible for it. they refused to answer my question of who has access to my accounts.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (WA)

I inadvertently overpaid my Chase Freedom credit card by {$5000.00} and change. I contact the credit card company, they were going to issue a refund. I called back, and was told no refund had been issue and it was over $ XXXX so they could not. I asked for a supervisor, was told a refund had been issue but they did not know where it was. I asked for an escalation and was told I would receive a phone call in 3 to 7 business days which I never got. I have been trying to deal with them by phone and or secure message, have been told repeatedly I was getting a call never did. Today I did receive a call and a voicemail message, so after over a month they are apparently sending the refund. The way this was handled and the flippant way they said we regret any inconvenience was absolutely disgusting. I lost over a months worth of interest on the money I had to wait for to be return, which I still do not have, they had no regard for the fact that perhaps I needed that money.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

Account XXXX Im requesting to reopen the disputes for charge I made on XX/XX/XXXX XXXX XXXX {$710.00}. I tried to dispute this transaction but Chase customer service was not helpful at all.
Consumer complaint received 2017-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX, XXXX, XXXX XXXX date:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX
Consumer complaint received 2015-08-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX 2014, Chase bank sent me the letters about closing all my Chase accounts ( checking, savings, and credit cards ). There was no any explanation for doing that. Just : " after reviewing we determined to close ''. 
During my visit a Chase branch, I found myself as blacklisted for Chase bank. I am not allowed to open any account in Chase. This status is " forever '' according to bank representative. 
In Chase letters it is also stated that : " We may also report the account to credit reporting agencies, which could discourage other banks from opening an account with you ''. 
All my questions on what I did wrong to get such severe sanctions were unanswered. The only answer was : " You are not compliant ''. 
As they are so not informative I tried to analyze by myself what I may did wrong. The only thing that comes out was ordering cashier 's checks on large amount. But I ordered them in Chase branch and teller processed them without any warning that it may be not compliant. 
So Chase bank blacklisted me forever for the secret reason that they do not want to disclose. They also threatened me to inform the other banks ( through credit reporting agencies ) that I am not good to have business with. I am blacklisted but have no idea why because in my view I was completely compliant with Chase bank rules according to their terms and conditions.
Consumer complaint received 2016-12-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CA)

I had several fraudulent transactions on my bank account the bank ( chase ) approved the claim in the beginning and stated they sent a check out because they closed my account for no reason I 've had this account for years well I never received my check then I call back and they state they changed there mind and denied the claim but wo n't let me fax over any proof that this was fraudulent activity and was not done by me and they will not further assist on me getting my money back which I 'm covered by the FDIC as they stated so they are not following proper procedures to determine this was fraud and return me my money that was stolen and I have all the proof it was fraudulent but they wo n't accept it so I need help getting my money back that was stolen from me. They keep giving me different stories they approved the claim in the beginning stated they sent a check that was never received then said they got the check back and canceled it and was gon na send out another one but did n't instead they said we 're gon na reverse it and Deney it but wo n't give me no explanation or wo n't let me send it proof it was fraud.
Consumer complaint received 2021-10-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (FL)

Back in 2017, I received a '' grant '' fom a company called XXXX XXXX XXXX after I clicked o " help '' when I was resubmitting SNAP paperwork to my Vocational rehabilitation center. Over the course of the next few years ( it was ment to make small deposits fro The State of Florida for people on SNAP, Unemployment, or made under the XXXX Poverty line ) I received a few small payments through XXXX XXXX, and PayPal as XXXX was XXXX XXXX only bank. I started to notice bills and collections that I had no idea what they were, so I called PayPal, as I could no longer find any trace of the " Program ''. They told me the deposits were coming from an actual person, and they had aquired my information through a hack that they had went through, that I received NO notice of. This lady had acquired myself, and 50 other people 's information, used her credit cards to pose as this program, then claim the cards stolen to make back her money while aquireing information. PayPal " fought for me " but " dd not succeed '' and I was to not only pay the balance, as I was no longer protected as they changed their terms to not protect anyone, anymore. Cute, so they lost my information, my money,, and dud nothing for it.. I contacted a lawyer,, and wen to court.. She used my information and opened a bank account, ( XXXX  which I closed ), spent money with my PayPal, got a PayPal credit card, and used that, luckily she made the mistake of getting caught by one of the other victims who had XXXX XXXX, and we all went to court remotely many times. She was declared guilty ad imprisoned. I have spent a long time, even speaking to XXXX and the credit burocrats who attained the sealed court hearings. Yet here the debt remains. " I'll get it taken care of '' etc is what I get during every dispute. I am ermine, and just want the few grand disputed correctly, and my score back, so I can go back to what remains of my life, it ruined me and my family. I can't get work, I can't fix my car, I can't take the kids to the Dr , were practaly living in a Brooke down auto under the causeway, because I have been denied everything that will help u after my OVID layoff/closure. 
XXXX XXXX XXXX
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (GA)

On Thursday XXXX/XXXX/2016 I was traveling for work. There was a billing error at the hotel I was staying at and a hold was placed on my Chase account fro my business hotel stay. I addressed the charge w/ the hotel ( {$1000.00} ). The hotel immediately issued a credit and gave a confirmation/authorization number of XXXX. 

I then contacted Chase Bank to ask them to release the funds based on the reversal of the charge. Upon making the request the bank denied to remove the authorization stating that it will automatically fall off after XXXX5 business day turn-around. 

I had the confirmation number so I asked if that could be expedited. I was transferred to a second department and was privy to a " behind the scenes '' conversation as the XXXX reps talked about my account and situation unaware that I was conferenced in. 

While hearing the XXXX reps discuss the issue I overheard that this was not going to be approved because I did n't maintain a high enough average daily balance. This argument did n't play for XXXX reasons : XXXX. I had a representative from the hotel explain the situation and give the verification number for the charge reversal. This alone should have been enough for Chase to allow access to funds XXXX. I have a $ XXXX overdraft protection account with Chase so even if the funds were given and the charge still went through, they have offered protection for just such an event I spoke w/ too many employees to count and prob lost my cool once too many times, however today is XXXX and I just received a call from a manager named " XXXX '' who called for the express reason of telling me that my request could not be honored. I asked him again to explain and he cited " Government Regulations ''. I asked for what regulation he was referring too ( I am not aware of any regulation that keeps banks from allowing access to proven returned funds ) XXXX could not site any regulation and when asked to escalate the call he refused stating that there was no one else to talk too. 
I am sure that XXXX did have a manager and that XXXX manager could look at the situation and make an exception based on the entire situation. Instead the entire organization turned a blind eye to an account that had been cleaned out by error and a flat out refusal to assist even when the facts indicated no reason not too.