davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
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: EQUIFAX, INC. (MO)

I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 )  credit inquiry that I find to be problematic. 
The inquiry in question was apparently made by you on XXXX and I have no recollection of doing any business with XXXX. 
I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (CA)

I had an answering service with XXXX XXXX XXXX which I canceled. They charged me extra after cancellation. I brought the issue to my credit card company, Citibank, attention. I provided all the facts of the matter and they still did not reverse the charge. The answering service company was not answering the forwarding calls which is the reason I pay for this service. My colleagues informed me about the lack of service as they could n't get in touch with us. I contacted the company on XXXX XXXX and canceled service stating that they have not been answering my business calls being forwarded to them as per our service agreement. We contacted them via email and phone call on the XXXX XXXX again to confirm the cancellation. 
When I signed up with this company 3 1/2 years ago, they charged my card one month in advance. Now, They charged my card for XXXX again, even though I have canceled my service. They are refusing refund despite the fact that I have canceled within guidelines. 
Also, XXXX in their billing department sent me an email claiming I owe them XXXX of dollars and threaten to send me to the collection. They sent me statements that showed the account has XXXX balance, but they said that they ca n't see what credit card has been charged. This shows the company relies on scare tactics and predatory practices to collect money from clients. They had my credit card on file since I started with their company. I explained to her it would have been impossible for my service to remain active without them receiving payments. She said they have been subject to internal fraud and implied I could be part of it. As outrageous as that sounded, as a courtesy, I provided her proof of charges on my credit card for every single month of service since 2015. With all this, it is difficult to tell if this is a legitimate company or fraudulent. I suspect individuals or the company are committing fraud by trying to scare the customers into paying for charges that are not real. Their actions and their own claims of internal fraud are definitely red flags in that direction.
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK (TN)

I received my credit report and Discover Financial Services account number XXXX is on my credit report. I did not open this account this is a fraud account. I have a fraud alert on my credit report I have talk with Discover and ask them to validate this account and to provide me with proof that this is my account. they will not provide me with any proof that I open this account this account will not verify the account please help ...
Consumer complaint received 2016-11-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

Today my sister went to a Chase Bank located at XXXX, NY XXXX. to make a deposit they rejected it because the account was compromised and they blocked it and their response is that account will be close. nobody can explain to us why was that or what happened. I called this # XXXX and the same thing, the operator could n't give us a right answer or solution to our problem. so Now our business is affected with a cause we do n't know, we sent many checks out, calling suppliers, asking for excuse, we can not accept credit card and make deposit, our money is frozen until they decide to send it back in two or three weeks, so what we 're suppose to do, close the business??
Consumer complaint received 2016-12-13
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (WA)

XX/XX/2016 I traveled from XXXX ( where we live ) to XXXX, XXXX. I remained in XXXX until XX/XX/2016 ( with a day trip to XXXX on XX/XX/2016 ) and flew back to XXXX that day. My husband called to tell me he had a text from Chase bank telling us the account was overdrawn. He called Chase to report this. I also had to call also because my name was on the debit card. We were told we would have a resolution in 45 days. There were XXXX disputed, fraudulent transactions, XXXX in XXXX and XXXX in XXXX, for a total of {$3000.00}. Once I arrived home on XX/XX/XXXX we completed the required paperwork and returned it to Chase. 
XX/XX/XXXX we received a letter from Chase stating their investigation of the matter was complete and the temporary credit they had placed in our account was being reversed for a total of {$2900.00}. I called the customer service number and spoke to a representative who essentially told me that even though he believed that I did not make those charges, we are still responsible for the charges. He said he understood that technology is used by thieves to create new debit cards which need to be swiped to make a purchase, but the technology " does not exist '' to replicate a debit card with a chip. The " purchases made with the chip reader '' were our responsibility. 
The XXXX transactions that were 'allowed ' by Chase were both from XXXX . 
I closed our Chase accounts on XX/XX/2016, as we no longer trusted Chase to keep our money safe. 
Today ( XX/XX/2016 ) we received a letter from Chase stating " there is a {$2900.00} balance due on your Chase acct ending in XXXX ''. 
I have never been in XXXX. I did not travel to XXXX do any shopping in XXXX XX/XX/XXXX. I did not make those charges and neither did my husband. We would be happy to swear to this fact. I have credit card statements that can verify I was in XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OH)

When I opened a credit card in 2012, I was told after-the-fact that I had been signed up for a checking account, as a condition of opening the credit card. I never asked to open the checking account, and was only told about the account after the branch representative finished opening my credit card. Now, 4 years later, I am being charged fees on the checking account. I was given no notice that I would be charged fees, and I never wanted this account in the first place.
Consumer complaint received 2015-09-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (FL)

Noticed transactions on my checking and saving accounts that I did not do. Bank said someone with a fake copy of my drivers license that also knew my account numbers made multiple fraudulent counter withdrawals from my accounts. I made claims with my bank to get the funds back. After 12 business days of no resolution after filing the claim I called bank. Bank made mistake and over stated amount of fraud. That mistake raised amount over threshold that they said required I do an affidavit. But they never told me to do the affidavit. Now I have to wait an additional 10 days for the refund due to banks errors. Especially the fact they never told me about an affidavit.
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (LA)

Our home was flooded in the XXXX flooding of Louisiana. The insurance company issued us an advance of {$10000.00}. The final check was issued to us as well as Chase, our mortgage company, for {$76000.00}. Upon depositing the check to Chase 's restricted escrow account on XXXX/XXXX/16, they released {$10000.00} to us. We submitted our adjustor 's estimate, as well as proof of loss docs and a signed letter of intent to repair. We requested an inspection from Chase. Their inspectors report has us at 62 % completion. Chase then told us they would only release an additional {$10000.00} because we did not submit a contractors license, estimate and lien waiver despite the fact that we are not using a contractor. They insist we have one even though the remaining repairs do not require a licensed contractor. They did, however, suggest that if we get to 90 % or greater on our own, then they could release all funds to us. Also, they supposedly mailed that {$10000.00} check on XXXX/XXXX/16. We have yet to receive it on XXXX/XXXX/16. That 's after they claim our signed direct deposit form to our chase checking account could not be accepted even though they 've deposited the other draw into it previously.
Consumer complaint received 2016-10-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

This is my second complaint submitted to Chase. I recently submitted a complaint and forward to Chase over a month the paperwork for which I have not received not even one letter about my case. I am enclosing the package that was sent to Chase with the evidence from the Postal Service. What is the next step?
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (TX)

I applied Chase Sapphire Reserve credit card in XXXX 2016. As the benefit of this application, I should get XXXX credits for travel expense. So I used this credit card to book XXXX night stay in the vacation condo XXXX in XXXX XXXX, Texas in XXXX 2016. But I did n't receive the travel credit. So I called Chase twice and their representatives said this XXXX is classified as real estate agent in their system so my reservation is not qualified for the XXXX travel credit. 

But as a customer, how can I know which category this vacation rental belongs to in Chase 's system? I do n't think it is my responsibility to verify company property. I used this card to pay travel expense, and I think it is not acceptable that I can not get the benefit I should get. Does this mean in the future if I use this card to book any vacation rental house, I have to verify with Chase before I make the reservation to get the travel credit? Or each time they can use the same reason to refuse to give the travel credit to other customers? If vacation rentals have different categories in Chase 's system, should it be Chase 's responsibility to give each customer a list to let us know which vacation rentals are qualified for the travel credits? I felt I was cheated by Chase since the annual fee for this card is {$450.00}, but Chase did n't provide the corresponding service. 

So I fill this complain and wish CFPB can help me get an acceptable answer from Chase. Thank you very much!
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MN)

Due to countless XXXX issue and my being on XXXX, we were offered a loan modification in the XX/XX/2014 and instead of helping lower our monthly payment they attempted to raise it by {$210.00} a month and said it was a very good deal and I should sign it. Of course I refused to sign papers and they, without permission held my XXXX payment so we would be in arrears and they could proceed with the modification in spite of my declining it. We want them to lower our payments by reducing our loan and reducing the rate, we do n't qualify for HARP and I know they have programs available they wo n't tell anyone about.
Consumer complaint received 2016-09-26
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (FL)

I was scammed into signing up for XXXX, an online auction site and made a {$60.00} payment for 'bids '. Shortly thereafter, within an hour, I discovered the scam and called Amazon Rewards who issued the XXXX card through Chase Bank. I asked them to cancel the transaction. The story they gave me was that even though the charge had not gone through at that point they could not cancel it. I was told by some non-native english speaker whose name I could not understand that I had to wait a few days and then I could dispute the charge. No, they would not call me back when this dispute could take place. No, they would not reverse the charge. 

I contacted XXXX and tried to cancel there as well ( within an hour of the charge ) and have not heard anything from them nor am I expecting a company like that to respond. 

The point is that I have no control over the charge. The credit card company is apparently representing any merchant against me, the card holder whose money is on the line.
Consumer complaint received 2017-03-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

Good morning, I have a problem with CHASE Bank. My husband and I have an account in this bank when we lived in NYork city. My husband died 4 years ago and I live now in XXXX ( XXXX ), I am XXXX. Since two years ago Im trying to get the money or cancel this account, because they didnt send me any credit card or code to operate by internet. I sended all the documents they asked me ( death certificate, the acceptance of inheritage, ... ) everything translate in english and certificate by the XXXX and notary. After two years sending me from one department to another for two years, and phoning them many times, because they dont want anything by e-mail, a month ago they said that they have lost all the original documents I already sended and they need everything again but now certificate by the XXXX notary in XXXX ( wich is not necessary according to the XXXX notary, the XXXX it shoud be enought ). They said that they will send me a letter with a list of the documents they need now but we didnt receive anything. I am phoning everyday but is impossible to talk to the person in charge of my case, I leave messages and thet dont answer. I m desperate because Im old and I need my money. I have the impression that they dont have any intention to give me a solution.Thank you very much.
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

My credit card company, Chase, with whom I have already opened XXXX complaint with CFPB, is re fusing to act responsibly with another dispute involving a foreign transaction, this time XXXX concerning an unauthorized charge placed against my card by a XXXX car rental agency. As with the first complaint filed with the CFPB, Chase is effectively ignoring the substance of substance of my argument and/or documents I have provided that show a charge is bogus. In each case, after several iterations, Chase basically has stated, in writing, that I have not shown that the disputed charge is fraudulent or the result of a lost or stolen card. What I have shown, however, is that the original rental documentation does not provide for a fee that was charged when the car was returned. I provided Chase with a copy of the original rental documentation, and yet Chase apparently does not read what is provided by a customer ; rather, it sends letters stating that it ca n't do anything about the charge and that the charge will therefore be reinstated and I can take the issue up with the entity placing the charge against my account. Chase clearly knows that both of my disputes are with XXXXbased entities, and so there is no practical way for me to pursue getting a credit from them. In the first instance, Chase has consistently been unable to identify the agency that put the charge on my card, and its authorization. In the case of this new dispute opened with CFPB, Chase is simply not taking the time to read the documentation I provided, which will show that the car rental was paid in full, and that no additional fee at return time was justified. I do n't understand how Chase can simply brush off a customer 's legitimate dispute, but it is happening to me in XXXX instances. I really hope that CFPB has sufficient law and regulations to make Chase act consistent with the law. I really believe it is being derelict and should not be allowed to get away with it. Thank you.
Consumer complaint received 2017-01-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (AZ)

We have had a home mortgage with Chase for the past 4 years. They have never calculated the impound accounts correctly and cycle back and forth between shortage and over-payment. This in itself is simply a nuisance and probable means nothing, but this past year I got upset and called them in reference and a better explanation of what was going on, and I believe I was lied to. They not only charged us the annual calculation of taxes and insurance but they added a two month premium on and above the annual total based on the " SRTR '' ( sorry this acronym may not be correct as they would not repeat it because I insisted on knowing more about the regulation - and formally requested a written copy of it ) rules. For both - this equaled nearly {$750.00}. I asked for a copy of these rules and also requested a clarification of who the is regulating agency is, and at least a conversation with anyone who could tell me what the acronym stood for. After spending a lengthy time on hold ironically my customer service agent was not able to find anyone that knew anything about the regulation, or who is the regulating agency. 
In Summary, I believe Chase has instituted a policy to hold XXXX additional months of escrow on all their mortgages - my rough calculations based on internet information leads me to believe they are holding nearly XXXX XXXX dollars every month that belongs to their mortgage customers. FYI - I did not finance with Chase they purchased our mortgage from our original lender so I did not agree to this policy. Thanks, XXXX XXXX
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (AZ)

I signed up for a chase freedom credit card XX/XX/XXXX. With the impression that the card pays back XXXX % of what you spend in the year if you have a chase checking and a credit card at the same time. I have had a chase bank account since XX/XX/XXXX so adding the credit card seemed like a good idea. I called XXXX months before the end of the year to check and see how the XXXX % back of what I spent in the year will be distributed. The first rep told me points when I did t see the check come in the mail. I asked if they were on XX/XX/XXXX or XX/XX/XXXX points they would always say the following month. When XX/XX/XXXX and XX/XX/XXXX came different reps told me that the points I have are the XXXX % cash back. At the time XXXX % of XXXX is not = to XXXX $ $ in points. When I said that the line dropped. I called back months later XX/XX/XXXX and a rep XXXX hung up the line when I tried to ask what happened to my cash back.
Consumer complaint received 2016-06-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I had requested a mortgage modification to see if the interest rate could be reduced. That was XX/XX/XXXX. I received a packet from XXXX with all the forms that were necessary. The forms were filled out and returned to J.P.Morgan / Chase using the return envelop that was enclosed. Then XX/XX/XXXX I was informed that the information needed was incomplete and had to re send information by their FAX line. This was done within a week. XX/XX/XXXX comes around and another packet of paper work arrived by XXXX. This was third time I had to fill out paperwork for them. Have not heard a word from them.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

I submitted paperwork stating i needed a payment deferment. I received no paper work from navient. I called in and got " oh we got your paperwork everything is ok ''. Months later i check my credit score and my score dropped over XXXX points because i was late for months on my student loans. So i call back navient and they simply said oh fill out the paper work Again! Furious as i was, i did but it has been rough trying to improve my credit again.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

I combined all of my loans and had mistakenly thought my private was included. Well, I have been paying $ XXXX/month to " Navient '' ( or supposedly their collections department ) for my loans for 2 years but, on the Navient website when I log in it says that I I am 20 monthly payments past due. When I call to ask they are NO help and tell me I have to pay by loans in FULL to get it from negatively reporting on my credit report. HELP!
Consumer complaint received 2017-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MN)

I made my last payment to my loans on XX/XX/2017. My balance is now zero. On XX/XX/2017, Navient took out a payment of {$380.00}. I called them and they told me I have to upload a copy of my bank statement before they can issue me a refund. They said it could take up to 10 days for it to be refunded. I have submitted the paperwork and am waiting to see if it will be accepted. I do n't feel like I should have to show them my bank statement to get a refund for money they took out in their error.