davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. (PA)

I got the following email from Chase this morning '' We have processed your request to change your e-mail address, based upon the information you supplied. 
Beginning immediately, we will send all future e-mail messages to your new e-mail address. You may want to review your Alerts delivery profiles to make sure future alerts are sent to the correct addresses. 
If you did not request this e-mail address change or have any questions, please send us a secure message from your Secure Message Center Inbox. " I actually did n't change my password, so I wanted to login my account to send a secure message. But my online access was suspended. So, I call Chase fraud department, they just changed my email back, and told me I need contact the customer service department to reactivate my account. After work, I waited for more than XXXX minutes to talk with a representative. She told me I need go to a branch. But the nearest branch is XXXX miles away. I asked what 's wrong with my account, she refused to tell me the details. It does n't make sense I need drive XXXX hour round trip for an issue I actually did n't do anything. I continued to ask if I can still use my current credit card, and it there a easy way to resolve this issue. The representative did n't answer my question, and told me that 's all she can help and disconnected the phone call. I never saw such bad customer service before. I have spent more than XXXX hour on the calls totally, but so far, I did n't even know what happened to my account. If some hacker changes my email every week, should I drive to the branch XXXX miles away weekly? That 's ridiculous.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (TN)

To whom this may concern, We are terrified that Selene Finance has engaged in unlawful foreclosure against our property. Our mortgage was transferred to Selene Finance in XX/XX/XXXX from XXXX XXXX XXXX. 

Our nightmare started on XXXX XXXX, XXXX, when we had a house fire. We tried contacting Selene to notify them of the fire because the homeowner 's insurance was escrowed in our mo. payment and we needed to notify the insurance co. of the fire & damage that had occurred. After several days, Selene told us that an insurance adjuster would be coming out between XXXX-XXXX on a particular date but no one ever showed. 

Soon after that, one day, after arriving home, there were XXXX trucks parked in the yard at our house. After some questioning, the XXXX gentlemen finally told us that they had purchased the home at auction on XXXX XXXX, XXXX. How is this possible, we were n't even behind on any mortgage payments? We were never notified of any foreclosure or auction. 

Several days after that, we came home to find a large part of our belongings in the yard and they had pulled our vintage jaguar out of the garage and were attempting to sell it to a junk dealer. The supposed new owners were there and told us we had been evicted ; we never received any eviction paperwork from the courthouse or anyone else. 

After doing research on the internet, it appears what we 're going through is commonplace with Selene 's fraudulent, predatory and gross mishandling of servicing mortgages with countless complaints of malfeasance occurring time & time again regarding servicing and unlawful foreclosure of mortgages all over the country. According to the : XXXX ( XXXX Complaints ) ; Yelp ( Numerous Complaints ) ; XXXX Consumer ( XXXX complaints ) and numerous complaints on : XXXX XXXX, XXXX XXXX, XXXX, etc. ; all with similar claims of gross mishandling of servicing mortgages. 

Why has n't some government entity intervened in this continuous pattern of unscrupulous business practices? Ours is obviously not an isolated case so when there is so much government regulation on seemingly everything else, I 'm having a hard time understanding how the FTC, Attorney General 's Office or The State of Texas is allowing this to be problematic time after time. 

The Wall St. Reform & Consumer Protection Act. was written in XX/XX/XXXX to help consumers & homeowners that were being unfairly mistreated by their mortgage servicers. 

Violation of The Real Estate Settlement Procedures Act ( Regulation X ), Federal Trade Commission Act ( FTC Act ) Section 5 : Unfair or Deceptive Acts or Practices & UDAAP - Unfair, Deceptive, or Abusive Acts or Practices Selene Finance 's egregious acts of noncompliance with federal laws have caused us much stress, anxiety and uncertainty if we have or still will have a home. 

Please Help!!!!! 
XXXX & XXXX XXXX, XXXX, TN
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. ()

I am a coinbase.com user. I also have a coinbase card with them. On XX/XX/XXXX I transferred XXXX $ to my coinbase account then attempted to make a purchase of a tv for XXXX, when it got to the visa verification the card VERIFICATION failed, no purchase was made but coinbase still took the XXXX from my account. They are not responding & since the card is from then And the money is pulled from them they are my only customer support. But they will not respond.
Consumer complaint received 2016-12-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (IL)

I filed a claim on XX/XX/XXXX ( Card Benefit Services Claim XXXX ) for travel interruption/cancelation because I had to cancel the return flight booked with Chase Sapphire Reserve because my mother got sick on same day and admitted to emergency. I had to postpone my return and later rebook a week later. I filed claim with chase and sent in everything they asked including the claim form, the original round trip, the canceled one and the final flight and a letter from doctor. After 2 weeks, they replied back saying I should send this and that and they are all same thing I sent/emailed them 2 weeks ago. So I called on XX/XX/XXXX. and they said I should speak to a claim examiner and they are not available to talk and I should just wait for some calls or replies, On XX/XX/XXXX, Someone who introduced herself as XXXX , called me and told me they received everything BUT that XXXX XXXX paid for my return flight on XXXX XXXX . She says XXXX gave me XXXX XXXX points and {$88.00} first and I used those to book the return flight. I was like what? What 's this nonsense about XXXX booked my return flight on XXXX and XXXX gave me XXXX points and {$88.00} to book my return flight on XXXX? I have my own XXXX XXXX frequent flyer account and used my own XXXX XXXX points plus tax for XXXX people to book return flight from XXXX. You can see that in the email too.She Just made up a lie as an excuse to deny the claim. The original round trip was booked with my Chase credit card points on XXXX XXXX. I could n't return on return date due to emergency issue with my mother and XXXX XXXX would n't re-book my return flight. So I had purchase a new flight tickets on XXXX XXXX using my XXXX XXXX XXXX avios points & {$88.00} plus in taxes. I have sent you guys EVERYTHING, all the original flights, canceled flight and my return flight and how they are paid. The rep XXXX just lied by saying XXXX told her I was re-booked by XXXX on XXXX flight and that XXXX paid the return flight for me. I told her stop talking nonsense and read all the docs I emailed them including how I paid for the XXXX flight with my own XXXX airways points and {$88.00} tax. I told her bring on the XXXX rep on phone that told you they re-booked the return and paid for my return flight. She put me on hold for 30 mins or longer and did n't bring XXXX rep and disconnected the phone line. When I called back, it was another rep who told me " I can appeal my claim ''. The benefit dept is playing game, being dishonest and engaging in dishonest and deceptive practice and even lying to ignore or deny my claim.
Consumer complaint received 2015-12-09
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (AZ)

I applied for Chase Saphire Card ( via online on XXXX XXXX 2015 ) for which my wife and myself ( both of us got the invite separately ) got the invite by mail. But i was told that they are reviewing it ... now i come to know that they have declined my credit card application. It never happened to me and i am having a credit score of XXXX with credit card utilization of less than XXXX %. The reason that is provided to me " Too many credit cards opened in the last 2 years '' does n't sound to be convincing at all. When i went to credit bureau website ... i do n't find anything which can substantiate the reason from Chase. what 's going on? Moreover this credit card application had made a hard inquiry on my credit report also which will continue for years. Not at all fair or reasonable. After some time ... i applied XXXX XXXX Credit card - which is very much similar to this one and they approved my card ( it was applied after chase saphire credit card ... so they should not count this one ).
Consumer complaint received 2021-11-26
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: PNC Bank N.A. (PA)

Someone opened a fraudulent credit card using my identity with PNC Bank. PNC opened the account with a {$XXXX} limit. Person charged {$XXXX} paid a few times and then stopped paying. PNC contacted me and I told them I did not open PNC account. Asked them to give me information on how account was opened ( online, paper submission ) and how who had been paying account. They never supplied me this information and instead charged off account. Now shows as a charge off on credit reports and I want PNC to remove. It shows as fraudulent on my credit report and also report shows my name twice, once correct and another with n XXXX middle initial that is incorrect.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WI ( XXXX ) advertises 0 % interest on 4 monthly payments. However, when the order is placed they then say there is a {$9.00} charge for the XXXX installment, and a {$4.00} charge for each of the remaining XXXX installments ( totaling {$24.00} ), making a effective interest rate of between 1 % and 5 % depending on order size, etc. This is NOT disclosed on the page where the product is ordered ( page XXXX ) but on page XXXX in small print at the bottom of the page. There is no asterisk on page XXXX telling the consumer to go to page XXXX to read the details. This is totally misleading and deceptive.
Consumer complaint received 2017-10-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A. (WA)

This in in response to my previous complaint XXXX. 
Citibank stated that they were trying to determine why my payment was sent back to me again. As I stated in my previous complaint the letter I received from Citibank said that they returned the payment because they could n't verify my account number ( see attachment ). I included with my payment the account number that I have used to make payments since I graduated from college, and I have not been notified of a change in account number. I also included with my payment the letter from Citibank ( see attachment ) with instructions on who and where to send my payment so there should n't have been any confusion as to what the payment was for. I called Citibank on XX/XX/XXXX to try and find out what my account number is. I spoke with XXXX and was on the phone with her for 45 minutes trying to figure this out. She took down all of my info and said they would research this and get back to me. I received a letter from Citibank ( see attachment ) in response to this conversation on XX/XX/XXXX that said Citibank no longer services student loans and my loan was transferred to XXXX XXXX. I have been told this by Citibank over and over ( see attachment ) and yet they still are trying to collect this debt from me. 
I also received a letter from XXXX XXXX on XX/XX/XXXX trying to collect this debt ( see attachment ). They also called my father to get information about me. Citibank told me that they inadvertently placed my account with XXXX XXXX and they had XXXX XXXX return the account to Citibank. That letter from Citibank was dated XX/XX/XXXX, so XXXX XXXX is still trying to collect this debt from me after Citibank claims to have had the loan returned to them. 
I would like proof that this loan is owed to Citibank and not any other agency ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) since Citibank is telling me that I do n't owe them this money and that I should contact XXXX XXXX, and that I do owe them this money and should send in a payment again, and since XXXX XXXX continues to try to collect from me. I would like to be assured that no other agency will try to collect this debt from me or report negatively on my credit report after I pay Citibank.
Consumer complaint received 2015-08-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I am a student and worker who has purchased a XXXX bedroom,XXXX bathroom townhouse in Florida in the year XX/XX/XXXX.My mortgage interest rate is about 5.2. percent on a 30 years fix mortgage.That left me with a mortgage payment of about XXXX dollars per month. Over the years I have been rattled with financial hardship XXXX which did cause me to spend 2 weeks in XXXX Hospital here in Florida. Such events has caused me to fall behind on my mortgage that is now managed by JP Morgan Chase Bank.I have filed an entitled loan modification with them however they have denied me the modification without briefing me with legit paperwork documenting the reason why I was denied.After calling Chase over and over trying to get a reason as to why i was denied, I was told vaguely through word of mouth that " your income shows that you can afford a mortgage reinstatement payment plan " Please be aware that my income is currently less than XXXX dollars a year.Chase left me with little to no options.One of the main options that Chase gave me was to pay the payment plan that I could not afford which consisted of making a down payment of XXXX then additional payments of XXXX for the rest of the 2015 year. 
I have been waiting on them to file another loan modification under the " making home affordable act '' but they refuse to properly communicate with me.I was told by a Chase representative who work in the executive office named XXXX at extension XXXX that " a loan modification is not mandatory '', and that Chase must follow " Investor guidelines '' All the additional options Chase gave me only involved me short selling my home or me turning the home over to them. Chase refuses to give me proper reason why they denied me of the modification that I disparately need.I have tried sending them a hardship letter to explain my situation with them so that they can work with me and help me keep the home but they refuse to do so.Instead, I have been receiving letters from Chase giving prorated dates urging that '' more time is needed '' before they can come up with a decision regarding my request for them to review the case .They have been persistently stalling. 
The last letter I received was dated XXXX, XXXX. It stated that an answer regarding my hardship letter will be provided by XXXX XXXX when I have in fact checked with the XXXX XXXX XXXX Clerks Office In Florida., it shows that JP Morgan Chase filled a Foreclosure Suit against me on XXXX XXXX.
Consumer complaint received 2021-10-03
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. (FL)

1- Delete Unauthorized credit inquiry : I contacted Equifax in numerous occasions via certified mail to request that they conduct an investigation into an unauthorized inquiry from XXXX XXXX , XXXX and XXXX XXXX XXXX  that I did not authorize. Equifax refused to investigate and allowing these inquiries to hindered my ability to obtain loans and other credit products. I am requesting to have the inquiry from XXXX XXXX , XXXX and XXXX XXXX XXXX  deleted of my credit file now.
Consumer complaint received 2017-05-27
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. (GA)

During an investiga tion, credit reporting agency failed to provide the validity of a debt that was reported. Thr name of the collector is   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   in the amount of {$480.00}. This is not good practice snd violates my consumer rights.
Consumer complaint received 2017-01-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX my purse/wallet were stolen from my car while dropping my infant off at daycare. Once I realized I immediately called Chase & XXXX whom I bank with and had my cards frozen/cancelled/stopped. I logged in to my chase account to see if my new debit card had been mailed and what I found instead was my account empty. The perpetrator had managed to make 5 withdrawals ( totaling {$7700.00} ) from three different branches ( not online ) using withdrawal slips. My account was not frozen and had no alerts about this strange transactions. When I called Chase on the XXXX the representative was anything but helpful and said I had to go into a local branch to file a formal complaint -- which turns out was inaccurate when I arrived. I was told it could have been handled over the phone as I attempted to do in the first place. I was also told it could take up to 30 days to get my money back. I would like to know why Chase was not more on top of the strange account activity considering I file a theft claim on the XXXX. Every chase conversation I have had has n't be helpful and I would like to know why it will take so long to get my money back and why was n't my account closed when requested.
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I was on the Harp program with Citimrtgage and I got behind and asked for help in adjusting a payment for two months and they refused. I appealed the ruling and they placed me on Harp 2 which resulted in my loan being saved by XXXX XXXX. Throughout the process of re mod I paid a trial payment but Citimortgage put negative late payments on my credit while I was paying the trial payments. I want these late payments removed from my credit adapt.
Consumer complaint received 2015-07-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

Dear Sir, MadamThursdays are one of my days off. It is also the days I get paid, late in the day to the wee hours of Friday from one of my jobs. Both of my paychecks have always deposited with JP Morgan. Last Thursday being almost virtually with no money but compelled to do my grocery shopping considering the fact that I will be back at my 14 hours a day schedule for the next three days ( Fridays, Saturdays and Sundays ), with no time to do those chores, I waited well into the afternoon and ran these errands. When I do this, JP Morgan Chase will substract the amount of my groceries shopping from the pay checks that were being deposited by my employers. Or this bank could decide to charge me. There is no clear rule as to why it has this option because JP Morgan Chase is the only party that is in the position to say when my checks were deposited and decide to charge penalties or not to charge penalties. And it did charge penalties, three times, last Thursday going into Friday. And it charged me penalties many times due to this fact that the bank is the only one to say whether or not deposits were made before the cut off time : penalties for overdraft on annuities, penalties on tax returns until the IRS issued specific recommendations. So, I believe the latest penalties JP Morgan charged me again are abusive and would like it to refund me those. I am not in a position to check the time it said my pay check was deposited into my account and I suspect many times JP Morgan delayed the time a deposit should be credited to my account in order to charge penalties. I have no way of proving it but it is a strong impression I have. 

Thank you for your time. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2017-05-27
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: Experian Information Solutions Inc. (GA)

Credit Report compamy is reporting a derogatory debt that has not been proven to be mine. I have disputed this for years and they still fail to provide proof of debt. The creditors name is  XXXX   XXXX   XXXX  the date is  XXXX / XXXX /   2014  in the amount of {$2000.00}. I have not received anything supporting this debt. This is a violation of my consumer rights.
Consumer complaint received 2016-02-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

Today I transfered ( on line ) {$40.00} from my savings account into my checking. I received an e-mail from Chase stating : " On XXXX/XXXX/2016 XXXX, you withdrew from this account. This was your fifth withdrawal during this monthly statement period. As a reminder, we 'll charge you a {$5.00} Savings Withdrawal Limit Fee for each withdrawal or transfer out of your account over XXXX in a monthly statement period. You can avoid this fee by keeping your withdrawal activity below the limit. 

We 'll waive this fee if you have a balance of {$15000.00} or more at the time of your withdrawal or transfer out of your account in a Chase XXXX, Chase XXXX, Chase XXXX XXXX, or Chase XXXX. 

Keep in mind that federal regulations also limit the withdrawals or transfers out of your Chase savings account. Please see the Deposit Account Agreement on chase.com for complete details. '' A {$5.00} reminder fee? Seriously? Talk about hidden fees! This is my money I 'm dealing with. It is XXXX XXXX, 2016. The end of this month. Why should I be charged for moving my money around from XXXX account to another? No matter how many times I move it around? I got rid of the overdraft fee 's and now Chase is charging me {$5.00} for moving my money around from XXXX account to another? And the fee can be waived if I have a balance of {$15000.00}?? This is not right. CFPB has been very helpful to me before. I hope the CFPB will be helpful to me again. I thank you for your time.