davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-17
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (OR)

My debit card for my husbands business account had expired by a month and I went to the branch to have a new card ordered. At the branch the teller told me that I would have to call the number on the back of the card to get a new card. Once I called the number, we established that the address on the account was to our old address and that is where my card went. She told me that we needed to change the address on the account and to call in when that was done and she would order me a card. My husband went on line and change the address for my card. He also tried to order the card, but since it had my name on it they would not allow him too even though it was for his account. So I called the number on the back of the card again and then they told me since we changed the address that they could not issue me a card for 30 days or that I could go into the branch and have one ordered. That afternoon I went to the branch and asked them to order me a card and again they told me they could not issue me a card and I had to call the number on the back. I proceeded to tell them that they told me to do it in the branch. Then the teller said well the personal banker would have to do it. On that day there was only 1 personal banker in the branch and that it would be an hour wait. We could not stay that long and so I am still without a debit card. My card expired in XX/XX/XXXX.
Consumer complaint received 2016-02-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

In regards to my intial complaint # XXXX, regarding chase charging me numerous overdraft fees and those fees cascading into more fees, and being told by chase they would n't do anything to help even though the information on my online banking was not accurately reflecting my balances, chase has now lied to me directly. 


Two days ago I went into my branch and complained about this overdraft fee fiasco and the branch banker said she had absolutely no power to reverse fees because chase has in the past ... she did not care that past fee reversals were because of bank errors, hacked XXXX accounts, chase putting a hold on a chase quickpay payment to me because of it 's security concerns ... .none of those things mattered as I was smuggly told I have had too many fees reversed. She said she wanted to but the system would n't let her. Well yesterday I called chase corporate to file a complaint and the gentleman that helped me there decided to reverse half of the fees XXXX dollars ( yes, chase has charged me over {$150.00} in fees in the last few days because of a few dollar overdraft that really was n't my fault ) when I asked him if I was eligible to have fees reversed he completely contradicted the banker at my branch and said my account was eligible ( though he chose to only reverse half of the fees because he too said ... can you guess? ... he said my account was n't eligible for more reversals. ) So now chase is actually lying about it 's ability to reverse fees, while continuing to not give a hoot what caused the fees. I mean, it did not matter at all what I explained. Clearly the policy of Chase is to now lie to it 's customers about it 's lack of ability to reverse a fee. It is also a policy to simply say that the computer system does n't allow reversals ... no matter the circumstance. This is now bordering on actual fraud. And I 'd be more than happy to share all of this information as I 've documented every conversation I 've had, phone and personal. 
Further more ... .for some unknown reason, my overdraft protection is not kicking in like it normal does. ( there is enough to cover the intial overdraft, but it did n't kick in ... .Chase did n't care when I explained this to them ) Oh wait, but that is not all ... ..the gentleman at corporate told me the exact amount to deposit into the account to avoid anymore fees. So I deposited that and a bit more as soon as I got home from work. And when I got up this morning guess what I found? Another fee that has overdrafted my account once again!!! 

This is fraud, theft, and abuse. Seriously, how can banks get away with this?
Consumer complaint received 2017-01-25
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

I experienced the same with JP Morgan Chase. Chase requested numerous documents and called the wrong phone number. They messed up my refinancing and it took more that 130 days for them to process my refinancing. " XXXX subsidiaries gave the runaround to borrowers who were already struggling with their mortgage payments and trying to save their homes, '' CFPB Director XXXX XXXX said in a statement. " Consumers were kept in the dark about their options or burdened with excessive paperwork. '' XXXX
Consumer complaint received 2016-10-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NY)

For the last 10 years, I have had my home equity line of credit with JPMorgan Chase Bank ( " JPM '' ), My original line of credit was {$100000.00}. After the credit crisis in XXXX, JPM terminated my line of credit to simply my outstanding balance with no additional credit. XX/XX/XXXX, XXXX tripled the amount of my payment on my home equity line of credit from approximately {$200.00} to {$510.00}. I requested that JPM refinance my payment to decrease the payment amount to the original amount of {$200.00}. JPM refused and told me to file for hardship with a government agency. I am now stuck with making an exorbitant payment of {$510.00}. In order to make sure that I never missed a payment, I set up auto debit first from my JPM Checking Account and then from my XXXX XXXX Checking Account. All of the payments have been made automatically without a problem. XX/XX/XXXX, I received multiple notices in the mail from JPM threatening legal action because they stated I was not making my home equity payments. I immediately called JPM to inquire why I was receiving their notice. I spoke to about XXXX dozen JPM reps in their " escalation department ''. They said that my account was not set up to make automatic payments. I told these reps that was a lie. My account had been set up for automatic payments for years first from JPM account and then from my XXXX XXXX account. I went online and checked and somehow JPM had disabled my automatic payments for my home equity line of credit WITHOUT ANY NOTICE TO ME. The JPM reps were pretty nasty and told me that I was late and they reported me to the credit bureaus to damage my credit rating! I was stunned. I could not believe that an account that I had for over 10 years was WITHOUT EVER MAKING A LATE PAYMENT was now fraudulently misrepresented that I did not have automatic debit set up and materially misrepresented to the credit agencies to damage my credit. I called JPM again and spoke to a rep by the name of XXXX XXXX ( XXXX extension XXXX ) and he told that JPM would NOT reverse the fraudulent representation made by JPM to the credit agencies. I simply hung up. Over the last few years, JPM has arbitrarily shut down my line of credit ( solely due to the XX/XX/XXXX credit crisis ), tripled my payment and shut down my auto payment and falsely reported me as delinquent to the credit agencies. JPM 'S abusive credit practices must be stopped!! JPM must be compelled to remove the negative credit agency information from my credit report immediately. It was XXXX 's own incompetence that caused the payment not to be deducted from my checking account.. I had the accounts properly set up for YEARS!! XX/XX/XXXX or XX/XX/XXXX, these incompetent fraudsters disabled by autodebit and then decided to malign me to the credit agencies. JPM is a disgrace!
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (FL)

I contacted Chase Health Advance Credit Card and was told by Chase Representative, XXXX # XXXX that chase is not longer offering Chase Health Advance Credit Card. I advised XXXX a verification of account required by the FCLRA Section 608. XXXX informed me that she would be unable to provide me with the contact I signed to open this account. I requested her for Chase to please send me a letter stating for this negative account to be removed from my credit report ( As per the guidance of XXXX, XXXX, & XXXX ). She replied that Chase will not provide such letter. The end result will be Chase knowingly and willingly not complying with the FCRA and purposely damaging my credit worthiness and credit score.
Consumer complaint received 2016-12-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Nelnet, Inc. (DE)

XXXX Student Loans has given put my loan under the servicing of Firstmark Services. This is the first month that my payment is due to Firstmark Services. I took steps to set up auto-debit immediately. The payment was n't autodebited for some undetermined reason. It is now the fifth business day since the payment was due. I was unaware of the issue until today. I am aware now because I received the following phone calls from Firstmark Services : XXXX ; XXXX ; XXXX ; XXXX - during my work day, while I was already on the phone. I received no message from this number calling. This is a completely harassing way to communicate a simple issue.
Consumer complaint received 2016-08-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

On XXXX/XXXX/2016 JP Morgan Chase Bank sent me a correspondence announcing " Important information : We have decided to close your accounts, Dear XXXX XXXX, after a recent review of your accounts, we have decided to end our relationship with you. We will close the following XXXX digit accounts XXXX on XX/XX/2016 and decline any transaction. '' I immediately canceled all automated deposits & withdrawals and paid cash on XXXX outstanding check and opened accounts at another bank to assure I complied to JP Morgan Chase Banks demands. By XX/XX/2016, I received another JP Morgan Chase Banks statement showing all their accounts XXXX digits ' accounts XXXX were at a balance of XXXX showing the JP Morgan Chase Bank owed me a balance on my savings of XXXX. However, on XXXX XXXX, 2016, I received another JP Morgan Chase Bank demand for my closed XXXX account, " Dear XXXX XXXX. your account is currently overdrawn by {$130.00} to keep your account open, please make a deposit to your account at one of branches or ATMs to cover the overdrawn amount. It it is more convenient for you, we also accept checks by phone and deposits made through XXXX XXXX. This letter is sent in attempt to collect a debt, and any information obtained will be used for that purpose. '' I realize that JP Morgan Chase Bank can turn this over to " XXXX '' to black list me as a consumer. These letters demands " harassment '' from JP Morgan Chase Bank. JP Morgan Chase Bank exercises their authority in such a manner as to be unnecessarily oppressive. JP Morgan Chase Bank shows with purposeful actions and conduct motivated that are malicious discriminatory purposely aimed at a XXXX person and a military veteran and other like consumers! We talk of credit worthiness. JP Morgan Chase Bank corporation that was given slap on the wrist with a XXXX dollars fine by U.S. Federal Security Exchange Commission. This is a perfect example of whom provides the wealth for such parasitic JP Morgan Chase Bank corporation behavior, hard working Americans, significant inventors of science and technology like the great XXXX XXXX. The true nature of JP Morgan 's Chase Bank parasitic behavior has been with us for over a century. One of the greatest scientist inventors XXXX XXXX now over a century ago was defunded by JP Morgan. XXXX discovered a means of electrical transmission without copper insulated cable. The original JP Morgan, whom had greed without behavioral boundaries madly defunded XXXX scientific research since he no means of collecting " money ''. Show American workers and inventors whom make the money. Give maliciously abused American 's justice in relief from JP Morgan Chase Banks parasitic behavior. Levy fines of XXXX to JP Morgan Chase Bank still a small fraction restitution.
Consumer complaint received 2016-06-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (SC)

I signed up for a Chase Student Credit Card when I was a College Student in XX/XX/XXXX. I used the card until it expired, then called Chase and told them that I did not want to keep the card anymore, and requested that they close my Account. Because this all occurred several years ago ( approx. XX/XX/XXXX ), I do n't have exact dates. 

A few weeks ago, Out of the blue, Chase sent me a new Chase Freedom Credit Card in the mail, using the details from the account I had asked to have closed several years prior. I called again and told them that I had not requested this card, and wished to have the account closed. I was assured that it would be closed. 

Since then, Chase has sent several emails to my personal email account with details about the account that I had requested to be closed and shut down. 

I highly prize my privacy and financial security. I am very concerned that Chase has disregarded my multiple requests to close this account. 

I am requesting that Chase close this account, and that they immediately stop contacting via email with details about this account.
Consumer complaint received 2016-04-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: VIP Mortgage Inc. (TX)

XX/XX/XXXX To Whom It May Concern, I would like to report a fault loan on my loan officer XXXX XXXX. VIP Mortgage INC. 

I was unemployed on XX/XX/XXXX. The house I wanted to purchase is located at XXXX XXXX XXXX XXXX, TX XXXX with the price at {$140000.00}. I asked XXXX XXXX if I could purchase a house with 10 % down while I am unemployed. XXXX XXXX XXXX looked through all of my income tax XX/XX/XXXX & XX/XX/XXXX and he said yes. He sent me an approved loan letter with qualify amount of {$150000.00}. I signed a XXXX XXXX Sell and was supposed to close the house on XX/XX/XXXX with the price of {$140000.00}. During the whole time of waiting for the loans to get approved, I kept follow up with XXXX XXXX regarding my loans status. He reassured me that I was qualified to buy this house. 
When it times to close on XXXX XXXX he said my debt ratio was too high. He wanted me to sign another amendment extension to XX/XX/XXXX. He told me if I can have another person cosign with XXXX % down then for sure I will get the house. I asked my sister for help. I came up with XXXX % down ( {$21000.00} ) with my sister cosign. By XX/XX/XXXX he said the under writer did n't approved the loan because my debt ratio is too high. By then, I have passed the dead line of 25 days from XX/XX/XXXX contract signed. 

On XX/XX/XXXX I have to signed away my {$1400.00} for Earnest Money to the seller because my loan was disqualify and my contract was over 25 days limit. I am very upset because I lost my {$1400.00} Earnest money and {$610.00} for the appraisal. Total I spent was {$2000.00}. As a professional loan officer, XXXX XXXX should acknowledge that if a client has a high debt ratio and unemployment at the same time then he should let his client know upfront. I was misleading by XXXX XXXX. I want to hold him and his VIP Mortgage Inc. an accountable for {$2000.00} that I lost. I want XXXX XXXX and his mortgage company to refund me the {$2000.00}. 
I need that money to support my family while I am unemployment Would you help me to get refund my money. 
XXXX XXXX works as independent broker. 

XXXX XXXX - buyer XXXX XXXX XXXX . 
XXXX, TX XXXX VIP MORTGAGE INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Loan Originator Identifier XXXX VIP Mortgage Inc. 
Loan Origination Company Identifier XXXX ( P ) XXXX ( F ) XXXX
Consumer complaint received 2016-02-10
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (VA)

XXXX XXXX failed to correctly file medical bill with XXXX. Filed with XXXX in wrong name. Account was sent to a collection agency Receivables Management Systems. I made calls to XXXX XXXX and learned they had not put my name as it appears on my XXXX card and XXXX would not pay the bill. Consequently, due to XXXX not paying our other XXXX insurances rejected the claim as well. 

We have XXXX and XXXX. However, if XXXX denies a claim for any reason it is rejected by the secondary and third insurance. 

I have also learned even though I spoke to XXXX XXXX in XXXX, XXXX, the file was not resubmitted until XXXX XXXX. This caused the Receivables Management Systems to continue to carry the bill as a collections. 

I spoke to XXXX at Receivables Management Systems before the account was added to my credit file and let her know that the bill had not been properly submitted for payment. She said she would wait to hear back from XXXX XXXX. But the account was still placed in collections and sent to the credit bureau.
Consumer complaint received 2017-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Experian Information Solutions Inc. (IL)

I attended XXXX XXXX in 2012 and they did n't not tell me that I was signing up for student loan, i was first to get my XXXX which I never did. So I got charged for a student loan that I never finished or even got a XXXX, and they signed me up for college! Now I have a XXXX debt on credit score for something that 's was not explained to me. If I new that I would have never sign.
Consumer complaint received 2015-07-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OR)

XXXX/XXXX/2015 I checked my Experian credit report because I was concerned the XXXX hack might have affected me. I found Experian had added another social security number, another address, and XXXX variations of my name = all wrong. After a lengthy telephone call, Experian agreed to remove the errors. My recommendation to you is that before any credit bureau adds a new social security number, new address, changes the name, they should be required to verify such changes with the person on file ; now they do not. thank you XXXX
Consumer complaint received 2016-09-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

Had a car accident go to litigation and the bill for XXXX XXXX XXXX XXXX XXXX was pending payment with the insurance company, XXXX, when they called me and tried to collect. I told them it was a claim for a car accident and it is in litigation. Two weeks later, without any further contact, they submitted it to XXXX XXXX. I got an email from my lawyer stating they openly admitted to him they did this and I sent it to Experian. Experian responded stating that they can not remove the information at this time. Absolutely no reason as to why, just that they wo n't. I gave them the lawyers name, company and contact info along with the email stating XXXX admitted to committing fraud and they refuse to remove it. Shameful
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (FL)

I have requested Experian to provide me an up to date credit report for the last 2 months so I can verify that the updates that were supposed to be done were completed. Experian stated that they will send me a credit report almost 2 months ago and as of today I have yet to receive it.
Consumer complaint received 2015-09-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (GA)

While I was attending active duty XXXX military training, an online account error occurred and stopped auto-payments. This caused me to incur a 30-day and 60-day late payment delinquency against my credit reports. I had no way of knowing about the auto-pay error, and I have since fully paid off the account. I have tried disputing this case with the creditor, ExperianXXXX is the only credit reporting agency to remove the delinquency, but the other agencies have not assisted.
Consumer complaint received 2016-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ECMC GROUP, INC. (GA)

ECMC fails to answer specific questions to my complaint and I am not sure why they will not answer the question. It appears that for a company who wants to be transparent they continually dodge the specific question. Please answer the following questions below : " The promissory note states that I " must '' provide two separate references. The note that you attached fails to state what you will need that for. Are the references needed to find me in the case that I am not communicative? The question I need you to answer is, if the purpose is to not discuss the defaulted loan with the references, then what was the purpose of calling the references? I also have proof that you have contacted individuals outside of the references listed in the note. Please provide explanation as to why? As I have confirmed on multiple accounts my willingness to communicate with ECMC and to find a resolution, please explain why you do not honor this request and contact me via email as this is the method of contact I have requested instead of calling me? Please explain why you continue to call these references, and those who are not listed as my references? If you did not discuss my defaulted loan, what did you want to discuss with those listed as my references and others outside of these references? You state that " ECMC has a continuing obligation to use all methods prescribed by federal regulations to collect the student debt from you. '' If you are attempting to collect from me, and I am communicating with you as evidenced in the communications attached, why were you calling other people? Was it to collect from them when they are not obligated to pay the loan? ''