davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-20
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC (FL)

You issued a loan in my name that I did not apply for. I want to know who provided my information to your company because this is illegal. I will be prosecuting to the furthest degree. I can not believe this is something that your company agrees with and is willing to steal from people. People who are already in financial hardships and you still allow your company to steal from them. I am extremely disappointed that this is the way the human people take care of each other. Never mind we have to look out for what the government does and the world in general. Now we have to worry about companies like yours taking money from us as well. People who work hard for there money and to keep there information protected. And you release as if it is nothing. I hope you sleep well at night.
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ERC (TN)

I have an account with XXXX on collection who show still open on my credit report. My debt was paid in full to the company and do n't realize that the account was still showing open with a balance and the company never closed the account and sell this to a collection agency.
Consumer complaint received 2016-05-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (UT)

I was issued a savings bond check via XXXX XXXX XXXX XXXX, which was cashed into my Chase Bank Account. However, the check was rejected and my account was closed and reported that fraudulent activity was happening. This is incorrect. My parents had gotten the savings bond check, with their name and also my name on the savings bonds, and the check was mailed to me in California and cashed into my bank account. There should have been no problem!
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TX)

For over a year, I have been fighting with Nelnet to correct information on my file that is incorrect. I have been on the Income-Based Repayment Plan since XXXX and have re-filed every year. I was told in XXXX that they did not have me on and that information was mistakenly provided to me which had led me to believe that I was on the IBR plan. I was informed that for the past 7 years they used up deferment and forbearance instead!!! Last year when I submitted information to recalculate my payments ( this is when I learned that I was not on IBR ), Nelnet had my paperwork sitting there for months without touching it. It was n't until I checked my credit report that they incorrectly reported more than XXXX accounts at least 90 days past due!!! My credit went down nearly XXXX points! I have gone back and forth with them to no avail. When I told them to correct the IBR information for the past 7 years, they basically told me they were sorry but there is nothing they could do. I can not get approved to live an in apartment now and I have been having a hard time finding a job that allows me to pay more than my minimum payment to pay my student loans. I can not finance another vehicle and my credit card was recently cancelled due to this.I went to graduate school and I have a large amount of loans I took out to pay for my education. Nelnet has been avoiding correcting the information. I believe that the cost of my loans is exceedingly high and do not reflect the correct amount I borrowed including the correct amount of interest. They are difficult to deal with and their representatives on the phone are powerless. Please do something about this. I know many people who are struggling with the same issue being cheated by Nelnet. 
I believe much of the confusion on Nelnet 's part comes from lack of understanding from the representatives on how repayment of student loans impacts the borrower. Every single person I spoke with had a different answer and I attempted to have them give me the correct paperwork for recalculations 6 different times in XXXX. I am sincere in repaying my student loans but find that their business practices are misleading and damage the borrower 's ability to pay by increasing fees, keeping incorrect information and reporting it to the credit bureau. I have never before had my loans in a late status. I want them to be fair and give me the opportunity to repay but have the correct information and also fix all the accounts they placed in late status reported to the credit bureau. Every time I speak with them about fixing it, their response is " its not what you have sent. Its when we receive it '' despite them having the paperwork and having it sit there with no action being taken. My financial situation and future has been heavily impacted by this. My credit tanked to the point I cant find a better paying job now and properties are refusing to offer a lease without a heavy deposit that I can not afford.
Consumer complaint received 2015-12-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (GA)

Trying to close bank account with Chase Bank over the phone. A branch is too far away to visit. Even when I pass their verifications, they refuse to close the account. When I mentioned my consumer rights, they hung up on me. I sent this email to them : '' I want to close this account now. Per consumer laws, I have the right to protect my personal information and privacy. The failure to close my account violates my consumer rights to protect my personal information and privacy. I have the right to disassociate myself from this bank and protect my personal information. Your personal service is unacceptable and intolerable. I want my account closed. This account does not have any money in it and it will never have any money in it. There are no pending transactions. ''
Consumer complaint received 2017-02-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: DLC, LLC (IL)

I was in XXXX XXXX XX/XX/XXXX. After losing a substantial amount of money, I needed money for food, living, etc., as I had three more days in XXXX. XXXX. I got a total of {$500.00} from the Dollar Loan Center. I was involved in a car accident and did n't have any insurance. As a result of this incidence which happened on Saturday, XX/XX/2017, it 's causing me financial hardship and overall anguish. I had financial hardship prior to this event or I would n't taken out a loan with 900 % interest. I called the Dollar Loan Center in XXXX XXXX XXXX on Monday, XX/XX/2017 and stated I have a hardship. Would they please take away the 900 % interest and let me pay the principal. They called me back today stating they could n't accommodate me. The interest would still be going at {$4.00} per day. I was in dire need when I took out this loan and not in a healthy state of mind. It 's companies like these that prey on other 's financial distress. If having an automobile accident which is causing me a great financial hardship does n't designate a hardship, what does?
Consumer complaint received 2017-02-18
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (AZ)

For a few years I 've had a Credit Card called " Ink '' from Chase Bank. It is a revolving credit account. My payment due date is the XXXX of each month. On XX/XX/2017 I went online as usual to access and make my payment. However, in this case, the Chase Bank CC account indicated my Total Account Balance was {$11000.00} and due to an unrelated legal settlement recently received, I had the funds necessary to pay off several debts including this Chase Bank Credit Card. So, on the due date ( XX/XX/2017 ) I paid in full the entire Account Balance of {$11000.00} without hesitation. Subsequently, by mail I received an new Credit Card Statement claiming that now, after the fact of my having " paid-in-full '' the account balance, I suddenly owe Chase Bank, on XX/XX/2017, " Interest Charges '' of " + {$200.00} '' dollars! Chase Bank is charging me a " Purchase Interest Charge '' of {$71.00} and a " Cash Advance Interest Charge '' of {$92.00} and a " Balance Transfer Interest Charge '' of {$36.00} to attempt to justify the {$200.00} total Interest Charge. When I contacted Chase Bank Credit Card services by phone and asked how this after-the-fact Interest was possible, CHASE BANK ACKNOWLEDGED I had indeed " paid the entire account balance in full ''. BUT, claims this is " because our billing cycle on the account balance you paid off did not include 'new ' interest charges we calculated to your account, even though you paid your account in full. '' WHAT!?!?? 
HOW IS IT LEGAL OR LEGITIMATE OR ETHICAL TO CHARGE INTEREST TO CONSUMERS AFTER A CREDIT CARD ACCOUNT HAS BEEN PAID IN FULL?!??! 
This deceptive practice is unethical, illegal, and fraudulent on the part of Chase Bank Credit Card services ... .and in essence is allowing Chase Bank to continue to charge consumers ex-post-facto of our having " paid in full '' a Credit Card Account Balance. This fraudulent, damaging practice by Chase Bank should be immediately stopped by the CFPB.
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

I am a live single human being typing this narrative!!! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX Have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate I have not given any of these credit bureaus my written consent to post these accounts onto my credit report, student loans are not for public information nor is a mortgage.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO. (CA)

opened an account back in XXXX XXXX and filed a Chapter BK in XXXX and in XXXX its was discharged and cleared the amount owed, and as of today it has re-appeared in my credit report as high limit balance of XXXX and past due of XXXX and this was reported in XXXX XXXX it has significantly hit my credit as I applied for a re-finance and was turned down do to this derogatory its from CHASE # XXXX
Consumer complaint received 2016-03-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NJ)

XXXX XXXX XXXX XXXX i have asked for a payment history over 60 days ago and i believe the late payments reported are incorrect. XXXX 2012, XXXX 2012, XXXX 2012, XXXX 2012 and XXXX 2012.
Consumer complaint received 2015-08-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (WA)

On XXXX XXXX 2015, my XXXX son opened an account at the Chase Bank XXXX. with a XXXX XXXX XXXX XXXX dollar check. he was told to come back in a few days to and the funds would be available, when he went back to the bank they told him they did not want him as a customer and they where sending back a check. before the check came he had to move due to an unsafe environment. they would reissue they check, and it would be another XXXX days and they where XXXX it never came. XXXX days later they said they needed to have papers filled out to reissue they check. in the mean time his XXXX ssi payment was put into the closed account, they said they would one time put the money in my account, they sent the moneys back to ssi any way now they have close to XXXX of his money its been a month and we cant get any real answers or his money. I have been into the bank at least XXXX times a week its a XXXX, mile round trip from my house. I call them almost daily, all I get is its corporate, and they are doing everything they can. if we had not moved him home he would be XXXX. XXXX i believe he would have XXXX. my e-mail is XXXXXXXXXXXX. my phone number is XXXX please help usThank You. XXXX XXXX
Consumer complaint received 2017-02-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

I set up automated bill pay with Chase to pull the minimum + {$20.00} for my Home Equity Line of Credit. The bank did not pull that for XX/XX/XXXX and now has cause me to be past due and are claiming I am at fault for not paying in XX/XX/XXXX. The company is at fault for this mishap and now I will have to pay {$410.00} in XX/XX/XXXX for Chase 's mistake.
Consumer complaint received 2017-01-01
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (MD)

In XXXX, I purchased from XXXX Mortgage my primary residence in XXXX XXXX Maryland for {$120000.00}. My mortgage was automatically transferred to XXXX Home Loans. In spring XXXX, I refinanced my mortgage with XXXX, taking {$80000.00} cash out to invest in a company called XXXX XXXX XXXX. As an investor, XXXX XXXX XXXX made the mortgage payments as a partnered investment. Therefore, I invested in a second home. The mortgage payments on my investment home, and primary residence, including the mortgage payments on the {$80000.00} refinanced loan amount, continued to be paid. In XXXX, the Maryland State 's Attorney ordered XXXX XXXX XXXX to seize and desist because it was found to be a ponzie scheme. Due to my inability to afford XXXX mortgages after the XXXX XXXX XXXX 's scheme failure, I defaulted on the investment property. But I continued payments at my primary home as the mortgage payment was manageable. 
Throughout the life time of my mortgage, it was transferred to several different lenders. XXXX XXXX Mortgage, XXXX, XXXX XXXX Mortgage, and now Chase Mortgage I began a loan modification with Chase Mortgage, and was lead to believe that I had to take what Chase Mortgage offered, or risk losing my primary residence. 
What concerns me most is the amount that I am now told that I owe on a home that I purchased in XXXX. It far exceeds what I expect to owe after having been in my home for over 20 years. I am no closer to owning my home now, then when I purchased it in XXXX. I feel that I am a victim of predatory lending. I am requesting the CFPB to assist with my concerns. My mortgage increased from {$120000.00} to over {$330000.00} and I only made XXXX refinance loan for {$80000.00} during the term of my mortgage. I must admit that I am not very savvy with all of the mortgage jargon, and I believe that I have been taken advantage of by the mortgage companies. As XXXX era Veteran and federal government retiree, I am living on a fixed income and would like your assistance. It is my hope, that as a consumer, you can help.
Consumer complaint received 2015-07-22
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NJ)

My wife, XXXX XXXX, and I are the victims of a fraud committed by XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) on XXXX XXXX, XXXX in violation of the Consent Order entered by New Jersey Division of Consumer Affairs against XXXX XXXX, In re : XXXX XXXX XXXX XXXX, XXXX Div. of Consumer Affairs ( XXXX XXXX, XXXX ) ( effective through XXXX XXXX, XXXX ). By way of complaint against XXXX XXXX and its sales representative, XXXX XXXX ( " Sales Representative XXXX '' ), XXXX XXXX and I state:1. On XXXX XXXX, XXXX, we test drove a used XXXX XXXX XXXX, XXXX XXXX, bearing the Vehicle Identification Number ( VIN # ) XXXX ( " XXXX XXXX '' ), at XXXX branch at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 


2. We later purchased the same XXXX XXXX from XXXX for a total of {$22000.00}, including more than {$14000.00} in credit from my wife, XXXX XXXX J.P. Morgan Chase & Co. Small Business Credit account. 


3. Before purchasing the XXXX XXXX, my wife and I noticed an orange image on the car 's dashboard ( " Orange Signal '' ). During the test drive of the XXXX XXXX, we asked Sales Representative XXXX what the " Orange Signal '' represented since we had never purchased or owned a XXXX XXXX before. In response to our inquiry, Sales Representative XXXX represented that the " Orange Signal '' light was due to the fact that : " The car needs an oil change. Just take it in for an oil change and that light should go off. '' Sales Representative XXXX further represented that even if the orange warning light indicated a more serious problem, we could simply take it to the XXXX dealer and get it fixed under XXXX XXXX " bumper-to-bumper '' warranty or any other warranty we chose. 
4. XXXX XXXX 's claims were false and fraudulent. At the time XXXX and Sales Representative XXXX made the above representations to XXXX XXXX, both knew : ( A ) That no used car warranty for the XXXX XXXX XXXX would cover identified, preexisting conditions of the car, ( B ) That the orange warning light indicated a serious problem with the XXXX XXXX emissions, which would not be fixed by Sales Representative XXXX suggestion of " an oil change, '' and ( C ) That XXXX XXXX and XXXX XXXX would likely not purchase the car if they realized the problem with the XXXX XXXX engine because they had stated to Sales Representative XXXX that they " hoped the orange light did n't have anything to do with the engine, '' which prompted Sales Representative XXXX suggestion of " an oil change. " 5. When we took the XXXX XXXX to our mechanic immediately after the purchase, he informed us that there was a serious problem with the car 's interior emission system, which was indicated by the " Orange Signal '' we had asked XXXX XXXX about. It cost us more than {$1200.00} to repair and XXXX XXXX XXXX XXXX and Sales Representative XXXX now refuse to pay the fee.
Consumer complaint received 2016-12-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

This is a compliant against Chase. 
I deposited a check of $ XXXX written to me by my wife from her XXXX account on XXXX/XXXX/2016 into my Chase checking account and was given a deposit clip which indicates that the $ XXXX is on hold and " date when available '' is XXXX/XXXX/2016. 
On XXXX/XXXX/2016, I wrote a check of $ XXXX from checking account to deposit funds into my stock brokerage account. The check has been bounced back and I 'm charged by my stock broker due to checks being bounced back. 
I called Chase and talked to customer representative XXXX, who refused to disclose more ID information. He said the $ XXXX funds will not be available until XXXX/XXXX/2016 and Chase can not reimburse me on the charges I got hit with for checks bounced back. He also refused to look at any solutions to make the $ XXXX funds available to me, even enough the $ XXXX has been debited from my wife 's XXXX account.
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO. (GA)

This account is with JPM Chase and they have the wrong information on my credit report and do n't recall this account at all! They have placed negative account on my credit report and it 's reporting " LATE '' but CLOSED! It 's stopping me from buying a house! In addition ; NONE of the dates on this account could be correct as my loans were not with JPM Chase. 
Here is the account information : XXXX
Consumer complaint received 2015-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (VA)

In XXXX, I began the process of refinancing XXXX investment properties. Both are currently with Chase mortgage and the refinance would allow me to move to a long-term fixed rate, a change that is prudent and appropriate for me as well as Chase. Despite a strong beginning in which XXXX XXXX, my product sales associate guided me through product choices and expectations, the process went down hill shortly thereafter. The essential issue is that Chase would ask for documents, I would provide them, and then hear nothing for a month or so. After sending emails to ask for a status, the process would occur again, typically with Chase asking for the same documents that had already been sent and some new variations for good measure. There were XXXX of these iterations and it made me very frustrated. To be clear I UNDERSTAND THE NEW WORLD OF MORTGAGE UNDERWRITING. I get it. The world has changed and it requires far more diligence to get things done. The Issue that I have is the lack of communication throughout the process. Further, the simple lack of progress. Chase should have a system that alerts XXXX XXXX if the application is stalled in underwiting so that he reaches out appropriately to me as a customer. That did not happpen which required me to spend a great deal of time to try to manage my own application through the mortgage process. XXXX months later, we were essentially no where. 
XXXX XXXX, XXXX XXXX 's supervisor assured me that this was my fault. Clearly he did this without reading the file. 
XXXX has apologized for the many delays throughout the process, but frankly, I am not satisfied because the same thing is going to happen to the next customer.