davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-16
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

On XXXX XXXX 2016, I was contacted by XXXX XXXX at XXXXXXXXXXXX regarding a XXXX in which I found off XXXX. Once I accepted the position i was told I would be helping by sending items to an orphanage. On XXXX XXXX 2016 I was once again contacted by XXXX XXXX with information on my first task which was to receive a check for funding to buy items for an orphanage, once I received the check in the amount of XXXX i was told to deposit it in my account in which I did so. On XXXX XXXX the funds where posted. Once I notified XXXX he changed my instructions on how to handle the funds, in which they, where to get cash from the bank and make a cash deposit into someone else account. I was very overwhelmed and told him I no longer wanted the job because he lied about the position I applied for, On XXXX XXXX 2016 XXXX then requested i deduct XXXX out of the money and send the remaining XXXX back to XXXX XXXX to opt out of the job. Being requested to do so i followed the plan as told and got a Cashier 's Check in the Amount of XXXX from my bank. Only days later to find out the Original Check he sent me was FAKE! Leaving my account in the negative XXXX. On XXXX XXXX XXXX sent me a text stating to contact him at XXXXXXXXXXXX because he had been hacked, only to realize it was apart of the scam process. I went to my local bank On XXXX XXXX 2016 and complied with the rules of making a stop payment on the Cashiers Check in which i was instructed to Sign an Affidavit and Indemnity Agreement my account was then taking out of the negative. Approximately one month later, On XXXX XXXX i received a notification that XXXX XXXX had been allowed to cash the Cashiers Check in which the funds warent intilted to her. I went back to the Local Bank and was told i would have to file a civil suit aganist her. Reminding you that i have no personal information or whereabouts of this woman but the address that was given to me by XXXX for returning the funds, and the initial account information I was told to transfer the funds to originally. I have been very stressed behind this situation and i feel as if the bank was no help at all after realizing they didnt actually put stop payment on the check knowing it was fraudulent from the beginning. Now I am drowning in debt!
Consumer complaint received 2017-02-17
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NJ)

Chase Sapphire Preferred has rental car damage benefit. My rental car sustained ~ {$880.00} bumper damage so I submitted a claim. Rental ended XXXX/XXXX/16. Claim information was submitted XXXX/XXXX/16. Early XXXX Claims Adjuster offered ~ {$630.00} to XXXX, who then called me saying I had to pay the difference. Claims Adjuster then told me that XXXX should have contacted them to negotiate. XXXX calls me the end of XXXX looking for a partial payment to prevent the account from going delinquent with reporting to credit agencys damaging my credit rating. XXXX said that they had signed a release letter from the Claims Adjuster and returned it to the Claims Adjuster but that the Adjuster lost the letter. Claims adjuster committed to mailing XXXX a new release letter for signature. XXXX XXXX I called Adjuster for status update & was told claim still pending and release letter was sent to XXXX on XXXX - 3weeks after they said they would do something. Chase has not delivered the rental car coverage benefit and I 'm concerned this cycle will continue until I 've paid the entire balance on threat of damaging my credit rating. Neither Chase Benefits nor the Claim Adjuster company will commit to any resolution date.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

I went to the XXXX.The hotel requested someone in our group leave a card to open a tab. I left my tab and they agreed they would not charge my card, rather just have an authorization, as long as the tab was paid in cash or by another form of payment. The tab was paid in cash by another friend, and the hotel still charged my card, thus they incurred double payment.
Consumer complaint received 2015-07-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (VA)

I attempted to close a checking account. The bank ( PNC ) levied a fee. I went to the local branch and discussed the situation. I reluctantly paid the fee and had the account closed ( or so I thought ). I then also closed my other account with the bank - which took XXXX trips to the branch. They allege they had placed a 'hold ' on the account due to 'suspicious activity '. Anyway, I thought I was finally clear of PNC. I 'm now receiving " account overdrawn '' emails from PNC. I 've called and they 're unable to help.
Consumer complaint received 2016-02-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NJ)

I applied twice for a loan modification and was stringed along for over 6mos and encouraged to apply twice to have the same outcome. Now I am currently facing foreclosure and losing my home. Chase just does n't care I am just another number in foreclosure.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (HI)

I was in the process of a Loan Modification and Chase Mortgage went ahead and filed a judgement against me even though I was not denied for the Loan Modifucation. When I called the Loss Mitigation department at first they seemed to not be aware of it and we 're still asking for documentation. When I called again to follow up I was told by my Customer Service Representative that we have to be in Underwriting which I know it is not true. I am due in court even though Chase is dual tracking me. I was also told that the Chase ' foreclosure department and the Loss Mittigation department do not seem to communicate.
Consumer complaint received 2015-11-13
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (WI)

I received a notice in the mail this week from Chase Bank USA NA, alerting me to " Important changes to your account terms. '' In summary the changes are these : " Cash Advance APR '' and " Overdraft Advance APR '' move from " 19.24 % to 24.99 %. '' " Balance Transfers Fee '' changes from " {$5.00} or 3 % to {$5.00} or % XXXX of the amount of each balance transferred, whichever is greater. '' " Late Payment Fee '' " Up to {$15.00} if your balance is less than {$100.00} ; up to {$27.00} if the balance is {$100.00} to less than {$250.00} ; up to {$37.00} if the balance is {$250.00} or more to {$37.00} '' and " Return Payment Fee '' from {$35.00} to {$37.00}. Providentially, I am also reading XXXX XXXX 's book " Fighting Back '' and noting how banks attempt to leverage their power. This seems to be another example of the reason we need the CFPB to advocate for consumers. Please question Chase for changes. Please protect consumers. Thank you! 
My heartfelt thanks to XXXX XXXX for her perseverance through these years of turmoil and struggle and all who engage with her on behalf of consumers! We need you!
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

spoke to lender - Assigned rep is : XXXX XXXX - rep stated the docs were not provided until XX/XX/XXXX - I advised the fax was sent on XX/XX/XXXX - she went over docs and all have been provided that are needed for the review - she stated that she can not guarantee the sale will be PP for the review since they did not get the docs 7 days prior to sale - I advised the rep that they had the docs, it is not our fault they did not process them and assign the file in a timely manor - docs for review were receive 7 days prior to sale and the lender is in violation of XXXX XXXX.
Consumer complaint received 2015-07-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (MD)

I 've been paying off my Chase student loans for quite sometime now. And last year, I was able to consolidate my loans into XXXX and so I paid off the Chase student loan. I had some of over payments that were due to be refunded to me. I refund check was issued and sent to me by email but I did not see this mail until just recently. At this point the check ( {$320.00} ) is void. For some reason I can not get a hold of anybody at Chase to even talk to about this issue. They did n't hesitate taking money from me but now that they have to pay something back it 's very difficult to even get a hold of anybody. Any help to resolve this issue will be greatly appreciated.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

This letter is as result of my complaint filed with your agency with case number XXXX and a follow up from Chase with case numberXXXXXXXXXXXX : From the onset, Chase started by stating on XXXX XXXX that no payment was received on XXXX XXXX not taken cognizant of the fact that I was informed that I could utilize the credits granted on that same month following my complaint to your agency, notwithstanding the letter that was sent to you that the credit will be reflected on XXXX XXXX. In fact the XXXX XXXX indicated that {$0.00} past due was owed. 
Chase also indicated that I closed the account on XXXX XXXX, XXXX, that was not a true statement, Chase closed both my personal and business account with the latter having a {$0.00} balance.Chase then reported the inaccurate figure to the IRS and again reported another inaccurate figure to the XXXX credit bureaus. 

If you look at the XXXX XXXX, XXXX letter that was sent to you, Chase indicated that the amount credited was " Courtesy Credit '' which meant it was not going to abide by the promised 1 % .rate. Chase also stated that I entered into balance liquidation program which was inaccurate as I was in negotiation with it on how it should honor the 1 % program. Chase eventually reported an inaccurate amount as a charged off amount since, if it honored what I was promised, there would not be a charged off account. nor would there be complaint to your agency. My account with Chase should be taken into context. As Chase stated, I opened an account with it on XXXX XXXX, XXXX without any late payment until the I noticed that I was been cheated. Reporting the account as a charged off instead of providing me with the promised rate had a lot to do with my complaint to your agency. 
The action it took against me also had a horrific effect since XXXX XXXX XXXX eventually removed a credit card line of credit in the amount of {$29000.00} from my balance informing me that it will be risky due to what Chase had done.. An account that I have built for over a couple of decades. 
I requested the XXXX credit bureaus to remove the negative information from Chase, and every XXXX of them took over 30 days to report back to me that Chase was not going to remove this information in direct contravention of Federal Credit Reporting Act. 

Finally, your agency should take a look at all the Court actions against JP Morgan lately with it 's credit card holders and most importantly with the fact that restitution was paid to me as part of the class action memebr by Chase on XXXX this year with regard to the business practices of credit card holders in Florida.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

XXXX Report Number XXXX submitted XX/XX/XXXX. 
received my dispute for the following XXXX XXXX whom agreed to remove the collections account from credit report if I paid the balance. I had not received any notifications from XXXX XXXX that I owed them any money and they agreed to remove the collection report if I paid. I settled with a letter amount and they never removed the information from my credit report. They promised to send me a paid receipt and did not. They only updated the balance. 

XXXX XXXXXXXX XXXX-Account was never past due and we paid every month. The credit report after 30 days has not updated nor have we heard anything back from them within 30 days. 


XXXX XXXX I disputed because the amount was incorrect and had already been paid in full and was told if paid. I was promised To date nothing has changed on my credit report. The report says updated but it was not. 

XXXX-We disputed because the account was much older than stated on the credit report to date we have received no notifications and has been over 30 days since we disputed with no response.
Consumer complaint received 2016-12-03
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (HI)

XXXX/XXXX/16 We are long time Chase credit card customers with a flawless payment history, high FICO score, and seldom dispute credit card charges. Recently, we were the victims of obvious credit fraud in that the XXXX XXXX XXXX, of XXXX, AZ quoted us a onetime {$85.00} trip charge to provide an alarm/video estimate. This charge was to be shared XXXX by another customer in the area for an amount of {$42.00}. We provided several very detailed letters and enclosures to Chase dispute department to substantiate our claim. 

At the time of authorizing a phone charge, it was confirmed with XXXX XXXX that the charge would be only {$42.00} and he said yes. To our surprise, he charged us a whopping {$230.00} instead. This is obviously fraud as nobody in their right mind would agree to {$230.00} trip charge under the circumstances submitted. It should also be noted that we also never received a product or service from the vendor ( e.g. a formal written estimate for alarm/video mods ). 

Chase dispute supervisor XXXX claims that if we authorize a charge on the phone the vendor can put any amount they want. This is flawed as vendors should only charge what is authorized. She also said we need a receipt from the vendor stating what the charge should have been. This is ridiculous at the vendor is the one that issues receipts and obviously when they want to fraud and steal from unsuspecting customers they will not issue receipts that go against their claims. Our documentation provided shows the trip charge of half of {$85.00} was confirmed by Automation solutions. The dispute department ( esp. XXXX ) failed to accomplish due diligence in the review of our dispute. We also question the dispute process of Chase which seems to favor merchants ' XXXX. Despite requesting for senior mgt. review the dispute dept. charged back our account of {$180.00}. 

The original dispute is encl ( 3 ). The rebuttal is encl. ( 2 ). And the latest communications to Chase via secure email on their web site is encl. ( 1 ). 

Request Chase senior management officials review attached documents and correspondence and whether the vendor agrees or not for Chase to credit back our account {$180.00} posthaste. 

XXXX and XXXX
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (CA)

My husband and I applied for a mortgage loan with Citibank XXXX, CA on XXXX XXXX, 2016. We ca n't afford our rent with our retirement income so we looked to buy a condo in XXXX XXXX, FL where real estate is cheaper. We met all the bank requirements, including paying over a {$1000.00}, and then our loan was approved. After two months of waiting for the loan to close, the loan was denied because the condo 's HOA did not have as much coverage as Citibank was looking for. 

The loan was not completed on the closing date of XXXX XXXX, 2016 because of an issue with the HOA coverage between Citibank and the XXXX, but we hoped it would be done by the extended date of closing of XXXX XXXX, 2016. I tried to contact my loan agent, XXXX XXXX, before the second closing date but he did not respond. On XXXX XXXX, I sent him an email to ask what is going on with our loan. No response again. On XXXX XXXX, 2016, I called Citibank and talked to lady named XXXX. She made a complaint on my behalf and suggest I call XXXX XXXX, XXXX supervisor. I left her a message because she did not work that day. Soon after, XXXX XXXX called me - he was very rude, yelled at me and asked me why I complained to his boss. A couple of days later, on XXXX XXXX, 2016, I went to talk to XXXX XXXX in person. She apologize to me and she promised to return our money in seven to 10 days. After almost two month of waiting we have not received any money from them. My husband went to see XXXX XXXX a couple days ago but her coworker told him she was not in the office, even although he heard them talk behind the closed door. 

Expenses for the loan : {$290.00} - on XXXX/XXXX/2016 for condo inspection {$15.00} - on XXXX/XXXX/16 for an application fee ( bank charged our credit card, we approved ) {$460.00} - on XXXX/XXXX/16 for an appraisal fee ( bank charged our credit card, we approved ) {$260.00} - on XXXX/XXXX/16 for XXXX ( bank charged our card, WE DID NOT APPROVE ) {$1.00} - Total expenses. 
I can prove these payments/charges with my bank statement. 

All I am looking for is my money from the list I included above, although this process has cost me a lot of more. I spent my savings to pay off our car loan and our son 's student loan in full, which was around {$20000.00}, as this was a requirement from the bank. I can provide proof of this. Also, my current rent increased by {$200.00} a month, because I had to give my apartments a notice of vacation, again per Citibank 's request during the process of approving the loan. I can also provide proof of this. 

I do n't have money for lawyer, so you are my only hope to get my money back. 

Thank you!
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (TX)

I was discriminated against when applying for a Costco/ Citi Visa card because our flooded home was in a National Disaster area, and thus my normal credit card expenses were raised due to living in a hotel for 11 weeks ; buying new appliances ; buying new carpets and kitchen flooring ; purchasing new furniture - and yet every monthly credit card billing was paid in full before the due date. Never a late payment. 
Costco decided to change from XXXX XXXX to Visa for their credit card. Not having a Visa, and being a long term Costco member I applied for a Citi Visa card. 
I was denied the Costco/ Citi Visa credit card even though I have no loans of any type, no mortgage, and no debts of any type. 
My complete financial history has never had a late payment on a credit card or loan. 
My FICO score is near or above XXXX with all XXXX agencies. 
Yet I was denied the Costco/ Citi Visa credit card. Supposedly because I used my ( unlimited amount ) XXXX card to pay for the 11 weeks of hotel plus other needed expenses, and yet paid every bill on time.
Consumer complaint received 2017-02-22
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (VA)

I have been customer with home depot for a long period of time, due to financial issues I had the card close. I am aware of my responsibility that I have to pay the bills in my name. However when the bill was due I drag every change I have in my pocket and everything to pay XXXX $ to meet the requirement of the credit card. I have reached out for help, begged TWICE and was told no they ca n't help me. The representative was not knowledgeable nor empathize my needs of help. I am unemployed lay off, not qualified for unemployment because of company close out bankrupt. So, I have no income until I get a job. There was no empathy he even advise I will rack up late charges and then once it is past due enough maybe i would get help. Thus, jeopardizing myself further into more issues than i am already in.
Consumer complaint received 2015-05-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (OH)

In XXXX of 2015 we sent in XXXX payments for both bills that were due in XXXX. When we submitted the payment, AES applied the payments incorrectly even though they were the exact amount shown on both statements, in which we sent XXXX separate payments so this type of error would not happen. 
We proceeded to contact them when we received a statement for {$0.00}? Not even close to amount we were supposed to have due. We called and spoke to their customer service. They said they would get it corrected and reapply the payment properly. 
We received a collection call a week later. We then came to XXXX they did not correct the issue, we had them look up the account and the person we spoke with said and confirmed it was not applied properly to be fixed and that she would make sure it was done. They then proceeded to tell us that there is a past due amount now and that the correction of this will fix the problem and we would not receive any late fees from their error. 
A week later we received another collection call ... We re-explained the story again which they were able to see their account notes ( why do they not check their notes before they call? ). They proceeded to tell us we had a past due amount in XXXX, which is not true because we paid everything due. Our XXXX payment even as of this date writing this complaint is not even late yet? So any amount being past due is due to their error from XXXX. We escalated to a manager and retold our story again after the last manager was conveniently disconnected. So we are on our XXXX call with AES and still no resolution.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SUNTRUST BANKS, INC. (CA)

The mortgage company sent us a letter of approval for a conditional short sale, then dropped the ball and wanted us to resubmit all paperwork. All documentation was presented in a timely fashion well before any deadlines. The mortgage agent told our sales agent that someone in the company had dropped the ball because of the XXXX of XXXX holiday, yet I received a denial letter stating the conditions of the sale were not met. The price offered was too little, yet was equal to the counter offer the mortgage company had demanded. My sales agent was shocked when I sent her a copy of the denial letter because it had the mortgage agent signature on it, not some other department. After many calls and emails the agent and her supervisor have not responded. All calls are suposed to be recorded, and we have documentation of all emails sent and received.