davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: TCF NATIONAL BANK (IL)

Tcf bank gave my daughter 's attorney my social security number without My permission. my daughter had a personal injury case where she won a settlement she 's a minor, so there was an order for the funds to go into a custodial account, so I asked her attorney if you could put it into an account at TCF where she already had an account he stated yes even when they 're open up an account another account without my authorization and no personal information then I got a call from the bank saying I need to come and sign information which I did not find I stated I needed to speak to the attorney first so I know what I 'm going to be signing, the attorney Stat he will mail me documents after two weeks of never receiving them I contacted the attorney again yesterday on XXXX 2016 I was told the attorney was out on a XXXX and just been here with taking over and he was able to email me the documents that were supposed to be sent to me I 've been noticing and I ca n't open there 's no signature I did not authorize it and my social security number is on it, I then contacted the attorneys office asking how they got my social security number XXXX XXXX stated he does n't know but he will ask XXXX the attorney who handled my case, I then contact the TCF Bank and spoke to the branch manager XXXX asking how my social security number was given to that attorney the first day that the attorney came in with my social security number and my daughter 's social security number then he stated it 's a court order for funds to be in a custodial account and that gives him authorization to send my social security number.
Consumer complaint received 2015-11-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (WA)

From XXXX XXXX to XX/XX/XXXX I had a contract with XXXX XXXX XXXX company in XXXX TX. I discontinued my service due to work relocation, paid my bill and sent the equipment back to the company. 

On XX/XX/XXXX I applied to refinance my home loan in WA and saw the negative mark on my credit for a charge from XXXX XXXX XXXX. This mark lowered my credit score roughly XXXX points from an XXXX to a XXXX. 

I contacted the collection company seeking payment ( EOS ) and they gave me XXXX contact information. Upon contacting XXXX XXXX XXXX they told me that they never received a cable modem back from me in XX/XX/XXXX. I told them I sent it back and asked for the tracking confirmation for the box they sent me to return the equipment. The representative told me they could n't see and notes or information on my account because it was so old. They had very limited information. I also never received any mail or telephone calls related to this charge for the equipment from now back to XX/XX/XXXX. I asked for verification for any type of attempted contact and they also said they had no records for that. 

I have always changed/ forwarded my address at the United States Post Office upon relocating for work promptly because I value paying my debts and having a perfect credit score. I contacted the US Post Office to try and show verification of that, but they only keep copies of those records for one year. 

I am very responsible at paying all my bills and debts before due dates. I would have perfect credit if it were n't for this XXXX charge from XXXX XXXX XXXX related to a modem that I did return. If the modem never returned back to the company it was either lost in the postal service or there was an administration mistake, but due to XXXX records or lack there of, there is n't any information to prove a case. 

I never received any type of collection notification or opportunity to settle this issue prior to it appearing on my credit score.
Consumer complaint received 2016-01-05
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: KEYCORP (PA)

I am attempting to sell my home and the closing date is set for XXXX XXXX, XXXX. Key Bank holds the second mortgage on the property I am attempting to sell. This is my second complaint that about Key Bank ( my initial complaint XXXX, dated XXXX/XXXX/XXXX ). Please refer to that complaint to provide a full context. I went under agreement to buy a new home, and to sell my current residence, in XXXX XXXX. Key Bank, for four months, was refusing to provide documentation that was being requested by my lender, and was the sole reason I was unable to obtain a mortgage commitment by the date set forth in the agreement of sale. They only provided the documentation as a result of my complaint with the CFPB. I was able to obtain a mortgage commitment for a new home, but, as a result of the refusal of Key Bank to cooperate, I am having trouble getting to closing on the property I am attempting to sell. After I lost my original buyer on XXXX XXXX, XXXX, I called Key Bank to arrive at a settlement amount. I am eligible to do so because I filed a Ch XXXX bankruptcy in XXXX, and Key Bank is my second mortgage. I needed to settle with Key Bank because I have new buyers that are paying significantly less for my property. Please note that the original buyers ( i.e. that walked away on XXXX ) were paying enough for the home to enable me to pay back Key Bank in full. I only needed a settlement amount because of Key Bank 's past refusal to cooperate, and I only need an extension because of Key Bank 's past refusal to cooperate ( the subject of my initial complaint ). I currently have a settlement agreement with Key Bank that is valid until XXXX/XXXX/XXXX. The buyers of my home can not close until XXXX XXXX, XXXX -- after the settlement date runs out. I have been informed by Key Bank that I can pay after XXXX/XXXX/XXXX, but that is not acceptable to the closing services company who is attempting to ensure there are no outstanding liens on my home after the closing. They need it in writing, which Key Bank, at the time of this writing, is refusing to do ( even though they have given my a verbal acceptance, and have it attached as a " note '' to my account.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

Chase Mortgage is stating that I am delinquent on my mortgage and seeking to foreclose. I have sent Chase copies of cancelled checks showing that I have made all payments 'in full ' and 'on time. ' As of today, I was notified via phone that my home has a foreclosure date of XX/XX/XXXX. A review and audit of my loan payments is still pending ( on going since XX/XX/XXXX XXXX, however, I am in active foreclosure. I have received no documentation stating such.
Consumer complaint received 2016-06-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

We had Fraud committed against us, by a customer that gave us a fake check, we did not know, of course the check was fake? It was a deposit paid to our business to hold spots for scheduled services. We contacted Chase bank several times while the account was placed on hold and eventually closed by the bank. In contact with Customer Service over the phone and with the Chase Fraud department, we were told to wait seven days and go into a branch and open a new account. 
We went into the branch, the Customer Service rep, called their ( Chase Fraud Dept. ) and got the permission to open the account, we spent about an hour giving our personal info and XXXX forms of ID 's to reopen a new account. The old account that had fraud committed against it, still had funds that the bank was holding, we were told we could fund the account with the funds sitting someplace with the Fraud department at Chase. The CSR of the bank was not sure how to retrieve the held funds so she had us fill out signature cards etc, generated paperwork for the new account. She told us to please wait she needed to speak to her General Manager, to find out where the funds were being held. 
The general manager came back to the office we were sitting in with a horrible attitude, and spoke to us ( myself and my husband ) in a disgusting tone, elevated for no reason. He then informed us that it was his personal decision to not open an account for us, based on his bias and discriminatory attitude towards us. His own department/company and internal processed cleared us for an account, so we can only assume, his five minute decision was discriminatory, biased and racially motivated. In fact customers service over the phone and Chase Fraud department cleared us for an account, prior to the branch customer service rep, spending an hour reopening a new account for us in the branch. 
This Chase Branch Manager " XXXX XXXX. XXXX '' ... Branch manager of Chase at XXXX XXXX XXXX, XXXX, IL XXXX ... XXXX XXXX ... .Fax XXXX ... made his own personal determination, based on our appearance and race, he did not want to hear that we were victims of fraud, in fact he even told us ... '' we are responsible for the fraud that was committed against us ''. We later received an apology from their customer service complaints line, however this individual/organization is not taking any responsibility for his biased actions. We were instructed by his organization to go to a branch, instructed that we got the OK to reopen an account, spend an hour with the branch Customer Service Rep, that verified we can open an account. Signed forms, completed the process of opening a new account. Only to face this blatant, XXXX, discriminatory treatment from someone that should n't be a branch manager, of an institution that depends on public funds to stay in business. We were treated like dogs by XXXX and he 's unfortunately still operating, dealing with the public and apparently running the Chase branch based on his own personal biased opinions.
Consumer complaint received 2016-09-22
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (LA)

I returned some shoes to XXXX. I got a refund of on XX/XX/XXXX for {$98.00} for the first pair but not for the second pair which should 've been {$140.00}. This was confirmed by my bank. Chase made a transaction dispute several times but took back the temporary credit that they gave me each time and said that there was nothing that they could do. Chase said to take it up with the vendor. XXXX insisted that they sent the refund and that I should take it up with my bank. XXXX also sent an invoice and receipt of the refund transaction. What should I do? Who is liable? I do n't have the shoes or the money.
Consumer complaint received 2016-09-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (GA)

We are attempting to purchase a XXXX property held by Chase. We made the offer for a property in pretty bad shape. In the meantime while waiting for them to sign the contract, A tree had fallen onto the property. We purchased the property as is which did not include the tree. Now Chase is telling us if we want the property we need to pay for the tree removal. This company has done everything possible to torpedo the sale because they have another higher priced offer available. They have been impossible to work with and using their size to bully us into an agreement that we do not want nor can afford.
Consumer complaint received 2015-08-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I recently filed a complaint about Chase ; back in XXXX XXXX about a balance that I owed on a closed account in the amount of XXXX and some change ; with an agreed amount of XXXX. Hoever today as I decided to pay to call Chase to pay the reduced balanced. The lady in the collection recovery department was really rude and insisted that I pay the total balance due. So I 'm wondering if thier is something that could be done ; and what happened to the previous settled amount? I totally forgot the person who was my representative with chase. If someone can please help me sort this out. I would really appreciate it.
Consumer complaint received 2015-04-11
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (NJ)

Prior to complete a Balance Transfer request with Chase Bank, I inquired about negotiating the Balance Transfer Fee. I was told this was not a possibility, but that as soon as the fee posts, I could call to have it waived. When I noticed it posting, I called Customer Service and even spoke to a supervisor who told me he was trying to waive it for me, but the system was not allowing him. He even mentioned that it analysis the overall relationship and was declining his request at this time, which made me feel worse about the whole situation since I like banking with Chase. There just was a false expectation created on me at the time when I XXXX inquired about the 3 % balance transfer fee that even though the terms and conditions included it and it is a valid fee, after it posts, Chase could as a courtesy, waive it for me. And the fact that a supervisor understood this and approved my request by attempting to waive it, but the system did n't allow it, makes me feel sad, frustrated and even deceit. I was not made aware that the fee could not be reversed at the time when I could still cancel the Balance Transfer transaction, I was told it would AFTER it posts.
Consumer complaint received 2017-02-05
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (MD)

i have applied to chase credit card " slate '' balance transfer. with {$0.00} intro fee on transfers made within 60 days of account opening. 
after i have received the card i requested to transfer funds to my checking account. but they agree to make a transfer only after 90 days from opening the account which i will have to pay % 5 fee. and the 0 % will only apply to funds transfer to other credit cards only. 
none of that is mentioned anywhere in there term and conditions, not on there website and not on there promotion letters and not on the written terms and condition attatched to the physical credit card. so i asked the representative his name is XXXX to show me where it says or limit the balance transfer to only credit cards or i have to wait 90 days from opening the account. but he could n't find it either so i spoke to a supervisor and her name is XXXX from XXXX Ohio and she failed to show me and even approved that it does n't show anywhere on there website neither on there letters. and that is miss leading the customers as they suppose to have these terms written and mentioned on there terms and conditions like they mention all other terms. and make sure they mention it to the customers before they open the accounts. not after running their credit and after opening the account. and that is miss leading the customer.
Consumer complaint received 2016-04-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

I was offered no interest for balance transfers till XXXX/XXXX/XXXX, made large payment for the regular balance that carries interest, payments on XXXX & XXXX XXXX were allocated patially to the regular bearing interest, and as well to the balance transfer portion. nowhere was stated that payments will be allocated to that portion, as a matter of fact the law is that it should be allocated to the high interest.
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (FL)

XXXX XXXX COMPANY or ENHANCED RECOVERY CORPORATION depends which credit reporting agency you look at, is putting a collection from XXXX on my reports. I have never had an account with XXXX ever and I 'd like these removed. I have disputed with the credit agencies ( XXXX and XXXX ) and to no avail. I have disputed a XXXX time and I still have yet to hear back. When I call the collection company they answer and hang up. I 'm convinced this is fraud and I 'm not the only person saying this. A google search of any of the company names shows others complaining about accounts that they have never owned. I just want this removed from my account and this company shut down. They 're illegally trying to collect debt that I do not owe.
Consumer complaint received 2016-08-25
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX/XX/XX/2016 Costco switched its credit card provider from XXXX XXXX to Citibank. As a XXXX member with a Costco XXXX XXXX, my credit card balance was transferred to a Citibank Visa card, and a Citibank Visa card account was opened in my name, without my authorization. I was not informed of the balance transfer until approximately two months after the change took effect. I was charged interest on an outstanding balance and a late payment fee. I requested a statement from Citibank to that I could see the itemized charges and dispute the late fees and interest charges since I was never informed of the change and therefore was completely unaware of the outstanding balance. Citibank never sent me a statement. Instead, they have called me 3-5 times a day, every day, during the night and during the day. Often at inconvenient times. I 've paid the outstanding balance in order to stop the constant harassment, but I 'd like to file a complaint to convey my frustration with this entire situation.
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (NH)

I was delinquent on a Citibank Credit Card. The account was passed onto a collection agency. The collection agency and I agreed to a settlement but asked me to make minimum payments until I was able to come up with the lump sum. I asked if payments would be credited and counted towards settlement and collector said yes. My employer sent in a XXXX payment for me XX/XX/XXXX. Citi cashed the check but then put a hold on crediting my account. Thus making the account appear unpaid per the agreement with debt collector. 
Several WEEKS went by and the account was returned to Citibank. I received a bill dated XX/XX/2016. I was asked to pay entire amount. I called CITIBANK spoke with an agent and asked if i should make a minimum payment? I was told NO. Wait until we finalize our review of the {$300.00} Payment ( THAT WAS ALREADY CASHED MIND YOU ) sent in XX/XX/2016. I called in a week later to check the status on the {$300.00} payment and to see if I could finalize the already agreed upon Settlement {$3900.00} minus the two payments totaling {$500.00} ( which I was told by XXXX XXXX XXXX ) it was approved by their client CITIBANK. I was told to call back again. I called back two weeks later only to find out that the account had been CHARGED OFF and was now reflecting so on my Credit Reports. 
My credit has taken an enormous Credit Score hit and I am now having difficulty leasing a vehicle. If I am approved, I will be required to pay at a much higher interest rate along with a large down payment that otherwise, would not have been required. I would like CFPB to send a dispute letter to Citibank and simply ask them to review ALL recordings. I wou ld also like the CHARGE OFF removed from my credit while honoring the settlement agreement I had in place with the collection agency that CITIBANK assigned to the file.
Consumer complaint received 2015-07-03
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (WA)

I am a XXXX and an authorized XXXX party negotiating a short sale for an XXXX Military couple who received orders to XXXX and had to leave their home in XXXX. Citi has been extremely hard to deal with -- setting up phone appointments with me to discuss the file and then never calling me, not responding to my emails to confirm receipt of documents or for status updates, etc. On XXXX XXXX, I was told by the person assigned to the account -- XXXX XXXX, that the appraisal had been ordered and that the title report had been ordered and once those documents were in that the file would go to the next phase and actually be assigned to a negotiator. I met with the appraiser and he told me he would have his appraisal turned in within just a couple of days. It is a VA appraisal, so it gets loaded up on to the VA portal. I kept checking with Citi and they kept telling me they did not have it in the file and they would have to wait XXXX days from the date that it was ordered to try to track it down. I called the appraiser directly. He told me he uploaded the appraisal on the VA portal on XXXX XXXX. I called Citi and told them where they could go find it and they claimed they did n't have access to the VA portal to go get it. They are a VA lender, so I am not sure how that is possible. I asked to be transferred to a supervisor on XXXX XXXX. I was told by that supervisor that they would try to track it down. XXXX business days went by and I called to check on it again. Still not in the file. Asked for a supervisor again. Was transferred to XXXX. She told me they could not just go in there and get it. I argued with her and told her to talk to someone in their mortgage department because VA appraisals stay in the system for XXXX year. She put me on hold, came back on, and told me she had received instructions on how to go get it. She said she should have it resolved by the end of the day. I told her to email me when she did so I knew for sure. XXXX days later I called and it still was not in the file. Asked for a supervisor again. Got transferred to XXXX. She also told me there was nothing they could do to go get the appraisal. Put me on hold for a really long time and came back on and said she was going to try to submit the complaint to their escalation department and I should wait to hear back from them. We ca n't afford to wait anymore on this. The seller 's in XXXX are paying out on this house in the United States and their home they are renting in XXXX. Our buyer 's on the home have waited over 60 days for Citi to respond to their offer, but Citi ca n't seem to get their paperwork straight. Also on XXXX XXXX told me that the title report was being reordered because it showed a note in the system that it was ordered, but she could not tell if the order had ever actually happened. Military members should not have to deal with this kind of disorganization when trying to settle their affairs that resulted from being given orders to a different country. 
Please help.
Consumer complaint received 2016-03-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (UT)

Many months, perhaps years ago we set up auto pay with Macy 's department store credit card. Naturally, as we made purchases for XX/XX/2015 at Macy 's we knew that the statement balance would be paid off monthly on XX/XX/XXXX as our past ( prior to this experience ) records show. Fast forward 3 months to XX/XX/XXXX and we 're getting calls letting us know our statement balance is past due. Macy 's is accusing us of calling in on XX/XX/2015 to cancel our auto pay ( which is miraculously the same day our payments are drafted for auto pay ), but are unable to provide any proof i.e. Email record, phone recording, etc. Macy 's is unable to offer any resolution and is keeping the {$67.00} in late fees they charged us, again, without any proof whatsoever. Macy 's has reported a derogatory filing with all credit reporting agencies - my first any only late payment mark in my 14 years of credit history.