davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-06
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NV)

My husband and I are experiencing some financial hardship. I initiated a call with the mortgage lender Chase bank for to apply for a loan modification. Turn in all required paperwork everything was fine until we mailed in the contract and made a late mortgage payment. Because the mortgage payment was 30 days late and was for the full amount of our loan it nulled and voided the loan modification contract. After being told this a day after making " a good effort '' to make the full amount of payment not knowing the contract was not signed by the homeowners ( my husband and I ) we just assumed that we had to make the full payment. We XXXX the contract on XX/XX/XXXX and e-debited the mortgage bill on XX/XX/XXXX to have it delivered to Chase by XX/XX/XXXX. After reading the " their contract '' it does not list specifics like what the new interest rate was, was the MIP reduced, did they reduce escrow, did we sign for another 360 months. NOTHING. Make the 4 month trial period payment and we will see what you get. Lack of specific information should be required when modifying a loan which was not done.
Consumer complaint received 2016-04-12
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

I purchased XXXX cashier 's checks at chase bank with cash. my account became overdrawn. Chase contacted the Payees and told them the check were fraudulent and would not clear as they placed a stop payment on them. Chase damaged my reputation with the vendors. They did not contact me I contacted them to ask why they told a car dealer to seize my car I just bought. The checks were bought by me for cash at Chase. I made a deposit in my account with an insurance check. the check was placed on hold, I had no reason to believe there would be an issue with a check from a major insurance company. When the funds cleared I withdrew the cash and bought the Cashier 's checks. XXXX XXXX in collections told me she told the dealer to seize my car because the check I deposited in my account was not collected. She also told me the money I withdrew was no good even though it was available. She said she was trying to mitigate any losses to Chase. If this was a collection effort it was collectable with me, not a payee. Any dispute was between CHASE and I not Chase and the payee. They had no right to contact to payee to collect anything. This matter should have been addressed to me. XXXX XXXX at Chase lied to XXXX XXXX and told them I made the check instead of purchasing it. I have attached a copy of the withdrawal slip, proving I withdrew the funds.
Consumer complaint received 2017-01-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

Dear CFPB - I submitted a complaint in XXXX 2016 XXXX XXXX ) and disputed it. I have yet to get a response from Chase on the dispute. I have now received yet another bill even though my dispute has not be replied to. I am now starting another complaint so I can try to get this resolved. 

I have been told Chase is willing to waive the drill fee ( {$150.00} ) and any past due charges ( currently {$74.00} ). When I originally called the XXXX XXXX branch I never received return calls. After seeing the poor customer service I have received from this branch I will not take the time to drive all the way to get this resolved. 

In my original complaint ( XXXX ) I was told 'we are unable to remove you from the XXXX. The only option available is to drill the XXXX and close it out. I need to ensure they can do this without me having to go all the way into this branch. I no longer live in the area. If they can not do that I must have a have a letter stating this is how it will be handled as, again, I have no faith that the branch will be able to handle this. 

Please advise. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-02-24
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Westlake Services, LLC (NJ)

Traded in a vehicle at a XXXX dealer, payoff was sent to them. Somewhere there must a HUGE lack of communication because they calls do n't stop. Each time there is a different person calling and claims they added a notation on the account however the next person who calls never sees it. No one knows anything except how to call and annoy people " wrongfully '' and threaten them with collection being reported to your credit.
Consumer complaint received 2016-12-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

We started a home refinance through Chase in XXXX 2016. Our file and emails and messages were grossly neglected throughout our application, sometimes taking weeks for them to get back to our multiple messages. They kept wanting to change the terms towards the end. 5 months after starting our application, after multiple complaints that finally reached the most senior banker we could reach, we were given a guarantee in an email by that senior banker that they will honor the deal they had promised from the beginning. This email did not have any disclaimer or any conditions to the guarantee we were given, since I am a professional with a fairly straightforward case. In the end, we received our final closing disclaimer last week before closing of the loan which was much different than what we were promised. After sending en email to everyone we had been in contact complaining about this, we were again ignored, like multiple times throughout our application. Our closing was supposed to be today, and nobody has even gotten back to us regarding this. Everything has been approved by the underwriters without any further conditions. We have provided everything they have asked from us within 1 business day and we keep encountering gross negligence in return.
Consumer complaint received 2016-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (SC)

Just wanted to make you aware of what Chase has been doing every now and then on their mortgage billing. Just this month I rec 'd the monthly bill due on XXXX/XXXX/16 and XXXX it as I always do on XXXX/XXXX/16. Chase rec 'd it on XXXX and yet sent out another duplicate billing notice I rec 'd today on XXXX. I 've complained to them before about this practice but it 's still occurring. It worries me because there are a lot of elderly people out there who may be getting these duplicate bills and paying them twice -- a little suspicious this happens from time to time.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (PA)

ON XXXX XXXX 2016 I STARTED A REFINANCE APP WITH MY MORTGAGE CO. CHASE I HAVE BEEN STRUNG ALONG WAS APPROVED AND INTO CLOSING STILL NOTHING I WAS TAKEN OFF THIER WEBSITE NO RESPONSE FROM ANYONE
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO. (MA)

A couple of years ago XXXX called me about getting discovered and getting famous. I was excited and my dad set up an appointment with them. It seemed so real but it was a major scam. They asked for over XXXX dollars for a photo shoot. I did not get my photos and I still have all the contracts and receipts of all the transactions. I want my money back basically.
Consumer complaint received 2015-06-13
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (VA)

I applied for a Chase United Club card and received an e-mail XX/XX/XXXX saying it was approved but I never got the card. I called Chase and they said wouls send another which I also never received. I then got a bill for the club fee yet had no credit card. I called Chase again and they said they 'd send another card which I asked be sent to my office. I was away on a business trip and just received the car this past week on XXXX XXXX. I activated the card on XX/XX/XXXX and found out that a late fee had been charged to an account that had not been activated, which does n't seem fair. I called Chase and they said they 'd remove the fee but it would take 2 days. When I logged onto the account 2 days later to pay the bill for the club fee, I found out the account had been closed.
Consumer complaint received 2016-07-29
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (DE)

Back in 2009 I noticed after being denied of an auto loan that I was a victim of identity theft. This was brought to my attention when a received a copy of my credit report and noticed that XXXX home loans were completed and issued under my name and social security number. Metlife Home Loans LLC is one of the banks that are currently still holding this account under may name and have refused to remove it even after I have provided them with all of the necessary information to remove this from my name and my credit report. I sent them an affidavit, copies of my XXXX, as well as photo copies of my drivers licence, social security card, and a police report that listed all of the mortgage loans and the fact that they were a direct result of identity theft. It has now been several years that have passed yet I am still dealing with these issues which have made my financial life a very hard one to live.
Consumer complaint received 2015-09-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (NC)

In XX/XX/XXXX my wife lost her job and we applied for a HAMP modification for our XXXX loan with Citi Mortgage. After a long and painful process, where documents were continually " lost '' by Citi, we were told to start making lower, " trial '' payments on our home loan. After successfully completing the trial payment series, we were denied a HAMP modification due to our income and/or assets. We had to repay the entire amount due resulting from the trial payments. 

We continued to communicate with Citi Mortgage on this matter for the next two years. We received denial after denial and suggestions that we should submit to foreclosure. Even though we were in much better financial shape, Citi finally agreed to modify our loan after another successful series of " trial '' payments in XX/XX/XXXX. The modification extended the term of the loan from 30 to 40 years and reset the interest rate to the then current market rate for mortgage loans. There was no forgiveness of principal. 

However, unlike with the HAMP application two years earlier, our credit report began to show " missed payments '' corresponding to the required " trial payment '' schedule. We are now completely recovered financially and our credit scores range from XXXX to XXXX. We would like to refinance our mortgage to a 15 year term and take advantage of still low current rates. But despite our high credit scores, those " missed payments '' still appear on the report. Based on the negative credit, lenders will not allow us to refinance. 

This whole mess started in XX/XX/XXXX. If we could get the credit hit moved back to XX/XX/XXXX, they would come off our credit report next year. As it is, it will be XX/XX/XXXX before we can refinance. We only did what Citi told us to do. We made payments in the amounts and on the time frame they required. I have contacted the credit bureaus and they refuse to help. 

Is there any way we can get our credit report to more accurately reflect what really happened with Citi Mortgage?
Consumer complaint received 2016-07-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

Received an offer to signup for a Citigold checking account after I had opened my Citi Prestige credit card. Used the promo code provided which was accepted through the signup, I met the requirements but never received my bonus thank you points. When I inquired with the bank directly they said I was never targeted however they accepted my signup application when using the promo code and had no mention that the code was invalid nor that I was not eligible.
Consumer complaint received 2015-04-23
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (OR)

Applied for a loan to pay off my credit cards. The bank approved the loan. When the bank paid off the credit cards, I found there was an unknown credit card, I never applied for this card in my name. I ask the bank not to pay it that I did not know anything about it. The bank paid it and since I had signed the paper there was nothing they could do at that point. I contacted Citibank and confirmed that it was a fraudulent account. See letter dated XX/XX/XXXX. I hired a lawyer who contacted Citibank on XX/XX/XXXX and again on XX/XX/XXXX by letter ( see attached ) and have not received any response. 
Please help me get my {$17000.00} paid back to me for a credit card opened and had been active without my knowledge or approval.
Consumer complaint received 2016-09-15
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NY)

In reference to the investigation XXXX. On XXXX XXXX, 2016 at about XXXX. I went into the CITIBANK XXXX on XXXX XXXX to pay {$1500.00} towards the installment loan # XXXX. XXXX XXXX employee of CITIBANK directed me to the ATM machine to help with the payment. I gave him {$1500.00} towards the payment and I also wanted to open a bank account to deposit money I had with me. He assisted me at both the ATM and the teller window and advised I needed to withdraw to open the account. I did not realize until after I came home that he did put the {$1500.00} towards the payment instead only {$840.00}. I would like CITI to investigate what was done with the money. I came in with CASH. There has to be video of the transaction where you can confirm what was done while I was in the branch on that day. If in fact something was done in error then I would like the money to be placed back towards my loan. I am requesting a re-evaluation of the transaction and have this employee questioned. I am providing proof of my transactions as I always keep a record of my deposits and keep the same patterns. I did not understand why he insisted I go to the ATM machine and not do this transaction with the Teller directly.
Consumer complaint received 2016-04-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (NC)

XXXX XXXX XXXX used unscrupulous and deceptive practices to try to collect a debt. 
1. Unending calls even after I advised them to stop calling. One call came while I was in hospital being treated for a XXXX illness and the collector would not get off the phone. 
2. Debt collector fail to provide details and proof of debt even after being ordered to do so by the court. 
3. The collector intentionally shared misinformation about a continued court date, which I relied on and they showed up to court and secured summary judgement. 
4. Debt collector failed to negotiate in good faith. We made an offer, under duress, in the hospital just to make them go away. And they responded affirmatively with a letter that quoted an offer which was three times the amount that I actually offered. 
5. Debt collector continued to pursue action even though they were advised that the debt was not mine and further that I had retained counsel for the purpose of bankruptcy in XX/XX/XXXX and they refused to contact her. 
XXXX.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (PA)

When Costco terminated their relationship with XXXX XXXX, I advised Costco that I did not want another XXXX card with Citibank. Costco personnel advised me not to activate the card when I received it. I did not activate the credit card that Citibank sent to me. I subsequently received a bill from Citibank for the {$55.00} annual membership fee that was billed to the account that I never activated. I have called Citibank twice. They have informed me that the account is closed, however, I needed to have Costco back out the {$55.00} membership fee. When I went into Costco, they said they could not back out the fee without the credit card, which I shredded when I received it. I am still receiving voice mail messages from Citibank about my " account '' which they have twice informed me was closed, even though I never opened the account. I am disturbed that a vendor was able to charge an item to an account that I never activated, and am now getting the run around from both Costco and Citibank. Citibank just wants me to pay the {$55.00}. I do not want to pay on an account I never opened.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (TX)

Macy 's American Express card has been fraudulently charging me Late Fees and Interest Charges for months though they are directly debiting the full balance due every month from my checking account. How can they charge me these late fees/interest charges when they are withdrawing directly from my checking account? This unscrupulous practice has been going on, may be for years and I just happened to notice it today. Please take action against Macy 's so they are fiscally prudent when it comes to handling customer accounts!
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A. (IL)

Citibank sent me 2 letters of new terms for 2 accounts ( accts XXXX and XXXX ) which have been closed for over 5 years. I did not receive letters for my 2 active accounts ( accts XXXX and XXXX ). Part of the new terms were that my accounts would be subject to arbitration. I found it unusual not receive letters for all of my accounts. I could reject arbitration by sending a letter stating my rejection. I sent a blanket letter for all Citibank accounts. I received 1 letter acknowledging my rejection for a " closed '' account ( XXXX ). I also received a letter stating that Citibank was rejecting my opt out of arbitration because they said it was n't received by the due date. That account XXXX was opened in XXXX XXXX. I never received a letter stating new terms for that account. My understanding of the law is that a card issuer can not change the terms within a year of that account 's opening. I suspect that there never was a letter sent explaining new terms because they could n't change the terms yet. Also for the 2 accounts that I did receive the new terms, it states on the cover letter that I had until XXXX XXXX, XXXX. Obviously Citibank received my blanket letter as they confirmed the rejection on one account. I have already called them and they are overwhelmed in their " back office '' with customer calls. Probably because they screwed over thousands of other card holders. My account, Citi Thank You Premier, XXXX was opened on XXXX XXXX, XXXX. I want no arbitration on this account. I think Citibank needs to be fined for breaking the law.
Consumer complaint received 2015-12-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

This company calls me 5 times a day regarding a late {$61.00} payment. on XXXX/XXXX/15, XXXX PST, I spoke with XXXX and explained the issue with the calls. I agreed to arrange a payment date for my account ( which I did right then online ) and she advised she would have the calls stopped. ( I have a printout of this online conversation ) Not even 2 hours later the calls are continuing. 5 calls a day is very excessive and I feel harassed. And the calls are 7 days a week, including Sundays.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (PA)

My father ( age XXXX ) had XXXX XXXX take his personal information to open up a Citi credit card on XXXX XXXX, 2015. On XXXX XXXX, 2015 XXXX XXXX made a transfer to my father 's XXXX XXXX XXXX credit card for {$3700.00} ( XXXX XXXX had also made XXXX large transfers on the XXXX XXXX XXXX card that were illegal and XXXX XXXX XXXX has refunded those charges ). I have been contacting Citi for several months trying to get this straightened out, only to be transferred to every department and get nowhere. XXXX XXXX had also opened a XXXX and XXXX card- doing the same large transfers, both cards have also admitted these cards were opened in fraud.
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

For the second time now, I paid my Macy 's credit card in full and had a {$1.00} balance the following month. After the first time, I called and they said that this was interest from when I paid the payment to when the payment was due. This second time, I specifically called them and verified that the balance that I was paying was the absolute total that I owe. They confirmed on the phone. I then receive a {$1.00} bill the next month for supposed interest.
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MS)

In XX/XX/XXXX I filed a chapter XXXX bankruptcy. My mortgage is through Citimortgage Inc. and the bankruptcy was complete as of XXXX/XXXX/XXXX. I was advised that I was to start making payments on my mortgage again as of XXXX/XXXX/XXXX. The trustee and the mortgage company had signed off that I was paid in full through the trustee through XXXX/XXXX/XXXX. Since then, they have constantly insisted that I was a month behind in payment and the trustee brought them to a hearing that they did n't even attempt to show up for and the judge signed a court order that the bankruptcy was paid and current through XXXX/XXXX/XXXX and we had bank statements proving that we were paid current. They will not acknowledge the court order. They keep insisting they never received it as well as any other documents proving that we are current. They keep harassing whenever we make a payment and when we try to bring forth the court order they just absolutely refuse to admit they are wrong. We ask them to show us where we are behind and they refuse to do so. Now they are saying we are two payments behind and we have proof that it is not so. All supporting documents will be attached,