davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I signed up for the new Chase Sapphire Reserved credit card with the sole purpose of utilizing their promotions. One of the promotions offered is : Receive up to {$300.00} in statement credits annually as reimbursement for travel purchases such as airfare and hotels charged to your card. My girlfriend booked a hotel on XX/XX/2016 using my card on XXXX without first talking to me for the amount of {$490.00}. The {$300.00} travel credit from Chase was applied automatically on XX/XX/2016. I did not agree with the booking and had the hotel booking refunded. I was refunded the {$490.00} on XX/XX/2016. I have been planning to book a new reservation that we could both agree on. I have been informed by a Chase credit card manager that the {$300.00} travel credit was a one time deal for the prior purchase of {$490.00} from XXXX. Chase is refusing to give me the {$300.00} travel credit towards anymore purchases for XX/XX/2016. This feels like a bait and switch situation. I was unable to use the {$300.00} travel credit from Chase because of a reimbursed hotel booking. I am sure I am not the only Chase customer who has found out the hard way that the {$300.00} travel credit is unavailable after changing their hotel or other travel plans. I have read the Chase Sapphire Reserve credit card offer details listed on their site. The offer details on the Chase Sapphire Reserve credit card does not mention anything about losing the {$300.00} travel credit if a customer has to change their booking. This is a bait and switch scheme Chase Credit Card is pulling on me. The whole situation is causing me economic stress and may cause a breakup with my girlfriend.
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

I requested free credit reports through the site annualcreditreport.com on  XXXX / XXXX /  XXXX  .  XXXX  of the companies provided the report. Equifax did not provide the report. They told me to download a form to fill out and mail in. I called them on the phone and could n't speak to anyone. My friend said this happened to her both times she requested her report in the l ast two yea rs. This is my first time requesting a report. A quick search for complaints about Equifax shows we 're not alone. This is obviously standard procedure for Equifax to force people to buy a report when they ca n't access their free report. I refuse to be victimized by a company in long term blatant violation of the law. Please investigate and correct.
Consumer complaint received 2015-06-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Describe events in the order they ocurred, including any names, phone numbers, and a full description of the problem with the amount XXXX XXXX ) and date XXXX XXXX ) of any transaction XXXX XXXX ). Be as brief and complete as possible to make the explanation clear. Do not include personal or confidential information such as your social security, credit card, or bank accounts numbers. 


Have had an account with Chase for approx. four years. Today they told me they are closing my account and refused to tell me why - stating its their right and they are not required by law to say why. Currently there is a small balance and next week my Social Security XXXX payment gets ACH into the account XXXX to late to stop XXXX. I was told Chase would refund the money in XXXX weeks after the account is finished closing. This will make me late on my mortage causing late fees and more. About a XXXX ago I had some NSF from auto debits. I called Chase told them would put money into the account ot cover the overdrafts ( and did so ) Chase even refund XXXX of the NSF fees as I was a good client, plus was told do n't worry everthing is ok. This is the only possible reason I can see why they would do this.
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NV)

I had a home loan with JP Morgan Chase Bank , N.A . and I am having a challenge getting correct account information. I am only asking for a simple answer : How many payments did i make between XX/XX/XXXX and XX/XX/XXXX What were the payment amounts and the payments dates. 
A statement would be great also
Consumer complaint received 2015-09-16
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CA)

I receive a promotional mailer ( not a statement ) with XXXX printed blank checks to be drawn from my Southwest Rapid Rewards ( Chase ) credit card at least once a month soliciting a cash advance. They claim the APR is 0 % for the first year. Since a minimum 2 % fee is required, I calculate the APR at a minimum 2 % if the borrower paid no principal during the first year. The APR would be greater than 2 % if the borrower paid the principal down in the first year. This would appear to violate Reg. Z as it is more the .5 % different that the stated APR of 0 %.
Consumer complaint received 2016-12-02
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Westlake Services, LLC (FL)

A long time ago I went to XXXX XXXX XXXX XXXX to buy a vehicle. I went there because I saw the price reasonable for a XXXX XXXX that was {$2500.00} if it was paid fully cash. So I gave {$1500.00} down agreeing with them that I was going to pay the rest soon. From that point, the confusion and fraud started. That day, we were talking about the vehicle, payments, etc.. they were speaking to me while handing me documents. The documents they gave me agreed with the conversation we were having. Everything that day was great, I even went home with the van and I though it concluded they way it was supposed to.. Then Westlake Financial Services called me about the vehicle, telling me that I had to pay the double of the vehicle original value. I told them to give me an explanation about what was happening but they did n't tell me much, just that the dealer sent them the purchase documents. I contacted the dealer for an explanation but they did n't help me either. Then I took all the documents they gave me and I started to review them. The documents I have are the ones with the correct prices but my signatures and initials were n't there ( I have the documents as prove ). XXXX of the mistakes is that In the dealer document it says that I gave {$500.00} down payment while Westlake document says I gave {$1500.00} ( which I gave to the dealer ). I contacted Westlake Financial and they told me that they were going to send me the documents the dealer gave them. So I received only XXXX documents that looked like mine but the information on them was totally different, and I realized that my sign and initials were there! .. So how did they do it? How is that the dealer gave me different documents and Westlake another XXXX. Did they switch it? I do n't know, but what I know is that in my hands are the documents I was supposed to have. I was trying to contact them all the time so they could help me but they did n't. I did n't know where to look for help so my only option was to pay because I needed the vehicle. I found out about this website and I decided to make a complaint because I do n't want them to get away with this. Probably those 2 companies have a business going on scamming decent people.
Consumer complaint received 2015-08-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (DE)

Was placed on a repayment plan after falling behind on our mortgage. XX/XX/XXXX payment was late and Chase refused the payment ( made by XXXX XXXX ) and cancelled the repayment plan. People are sometimes late. As long as a payment is made within the month, they should be required to accept the payment and continue the plan. Now they are requiring us to go through the whole process again, whereby FORCING us to become further behind, incur more late fees and interest.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I have been trying to work with Naivent to help lower my payments. They have given me few no options as to which to lower my payment. When I submit for lowering my payments they take into account my gross pay, not my net pay and they also do not consider any other expenses a month. This in turn allows them to charge an extraordinary amount of money to repay my loans. I have been trying for several years with no resolution. I have been reported to my credit agencies as late but have not defaulted. I fear if there is no positive resolution I might default on my loans. I have no problem paying but it needs to be fair to me. If you have a car loan for 6 years for {$70000.00} you are still paying less than for a student loan for 30 years at the same cost. Makes no sense.
Consumer complaint received 2023-02-07
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: CL Holdings LLC (FL)

Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Consumer complaint received 2017-03-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MI)

I was assured on monday by jp morgan chase office and spoke to XXXX at XXXX XXXX that cfpb bureaus case XXXX was not closed and were associated with the wrong reference number. He stated the letter i received XXXX XXXX, XXXX was accurate and that XXXX were working on it and will provide answer by XXXX XXXX. I said that XXXX has been working on this since XXXX and are just spinning my wheels and not interested in resolving the complaint. I have the discharge of mortgage but need the backyard fence, the deck, the swimming pool and Jacuzzi replaced which the mortgage fraud scam artist XXXX XXXX whom are still in the property have destroyed in the name of chase and jp morgan. When my loan was not in foreclosure and XXXX XXXX marked paid and closed. 

As I 've told her I would be satisfied with XXXX to replace this and to make me whole again by chase and jp morgan.
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (FL)

Citicards misrepresents balances and makes it impossible to pay them in full. In fact their rep just told me that although I paid my balance in full the month before, I will still be charged interest until I pay in full XXXX months in a row. I am paying interest on the interest of a XXXX balance account. Despite the fact that they list a "Previous Statement Balance" and a "CURRENT Statement Balance" you never actually get the correct balance. So you ALWAYS HAVE A BALANCE even when you have PAID IN FULL THE MONTH BEFORE. Call them or online chat with them and you get an endless cycle of NONSENSE!!!!!!!!! One operator will tell you to pay a certain amount and the next tells you to only pay the balance listed.....it should be criminal.
Consumer complaint received 2017-02-10
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NV)

In XXXX 2016 we had some Tile Flooring installed at our home by Best Buy Flooring, XXXX XXXX XXXX XXXX, Nevada in the amount of {$4500.00} which was financed by a new 18 month same as cash account ( XXXX ). When we made the application we were asked for a credit card for additional identification which we used My Best Buy Visa Card administered by Citibank. 

When we received our Best Buy Visa Statement ( Closing date of XXXX/XXXX/2016 ) it showed a purchase in the amount of {$7500.00} dated XXXX/XXXX/2016 to Best Buy Flooring XXXX. We did not make or authorize this charge. I called customer service to dispute this fraudulent charge. Our credit limit at that time was {$4100.00}. I asked why a charge over our credit limit was accepted and was told someone there approved it because I was a good customer without even bothering to contact me to see if this was OK. The original account was closed and a new account number was issued. I was sent a DECLARATION OF UNAUTHORIZED USE form which I filled out and returned. 

I received a reply from Citibank that this was not a fraudulent charge because I had initiated contact with this merchant but was instead a Billing Dispute. I again disputed the charge and received a letter that it was denied wihout explanation or documentation. 

I contacted the merchant who said that they could not find the transaction in their records. 

I did not make a purchase in the amount of {$7500.00}. I did not authorize a charge to my XXXX account for this. I can not get Citibank to reverse the charge. They could not have done an investigation into this or they would have removed it from my account.
Consumer complaint received 2015-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (WV)

Citi-Mortgage promised me/us that they would grant the mortgage modification that I applied for, after they received {$4700.00} then never granted it. Little did I know at the time, the amount they said we were behind was never owed because they added a second Home Owners insurance policy to our fixed rate mortgage without our knowledge/permission when we already had a home owners policy. Seven months later, and after numerous phone calls I finally was able to break through and discover what they did. I was TOLD that I would be granted a reference number and a refund and the mortgage to be recalculated. The refund was never issued, the recalculation was never done, and even after a courtesy call from our Mortgage Modification Counselor apologizing for the mess and assuring us everything was going to be set right, three weeks later I received pre-foreclosure papers. There was no reasoning with Citi. Government, Lawyers or Officials knew what Citi was doing at this time so there was no direction to follow, nobody to contact who could help or understand. I finally filed a complaint with the XXXX Virginia Attorney Generals office and they instructed me to sell the house at a loss to avoid a " Short Sale '' and try to salvage any equity so we could survive because Citi was unstoppable and they never responded. We lost everything. What was ironic was that in the prior 9 months before the house was sold that I received and still have XXXX escrow statements showing a surplus in XXXX 6 month periods. The first was a surplus of {$600.00} and the second was a surplus of {$750.00}, which they never returned. It is impossible to have a surplus for over a year after Home Owners and Taxes were paid and claim a foreclosure. Last year I received class action papers stating that Citi had intentionally extorted over {$820.00} XXXX dollars, from over XXXX people, and passed it out to management for bonuses from this forced place insurance scam. Not only did they deceive us with the mortgage modification scam then they used our money to illegally foreclose. We did not owe them they money they claimed but there was nobody to stop them along with their Lawyers In XXXX Virginia XXXX PEASE NOTE!!!!! BELOW I NEED TO SELECT MAKING PAYMENTS AND PROBLEMS WHEN YOU ARE UNABLE TO PAY, because we actually went through their process and scammed then foreclosed when they refuse and refused to recaclulate.
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

About ten years ago, or so, I closed my checking and savings accounts with Citibank. I met with the manager and a teller, zero ' the balance, got a receipt, and they were closed. Years later, I get a call from Collections stating I owe Citibank around {$5000.00}. Citi failed to close my accounts and started issuing overdraft fees and transfer fees for years. When I spoke with Citi, they confirmed they had my correct mailing address, email, & phone yet did not contact me, allowing this to accumulate for years until it hit my credit report. Everyone I called said it was not their department and gave me a phone number to someone else who said it was not their department. They kept pointing fingers between Citi 's financial services and Citi 's collections department. After a dramatic few months of speaking to a ton of Citi reps who all said they could do nothing, they finally admitted fault and paid all the fees. They damaged my credit report and then promised to remove the dispute status from the reports. I remember vividly speaking to the one final rep who distinctly promised that it would be removed from my credit reports and would not affect me adversely in the future. Now, about 6+ years later, the dispute status is still on my credit report ( despite saying there is zero dollars being disputed ) and I can not get the mortgage I need ( which is time-sensitive ). For weeks now, I 've been having to relive it all again, spending all my time on hold, begging for help. Citi reps were unapologetic and put me through another dramatic round of phone calls. In my last conversation they did say they would open a 30-day investigation. 
I called XXXX today and they were not very polite and also said there is not much they can do. They did say they would open a 30-day investigation. 
I do n't have 30 days. I was promised this was resolved & removed from my credit score years ago. I am in trouble now and being put through so much stress and being treated so cold and rudely by these agencies when I did nothing wrong. This has had a huge negative impact on my life. I am desperate for help.
Consumer complaint received 2016-04-24
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (DE)

I have a Macy American Express card and they call me 6 times a day collecting on a payment made in XX/XX/XXXX to the Macy credit card number I had then ( I think what they call their store card ). The money is and has been at Macy 's since XXXX/XXXX/2015 - {$730.00} - but they can move it between their programs or send me a refund. So I receive interest and fees each month on the paid balance - now up to XXXX - collection calls continuously and credit bureau negative reporting. They do not know how to fix, keep telling me to send in a payment and telling me their accounting staff would need to be contacted. It 's not American Express issue but Macy 's. They keep reissuing cards and it 's their issue to relive - MACY 's has had this money in their corporate bank account since XX/XX/XXXX before the due date. They have lost a good customer because of this and now want the company to be fined for this incompetent servicing of their credit programs and failure to follow their regulatory obligations - post payments when received.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (NJ)

On multiple occasions over the years, I have fully paid off a balance on my Macy 's store credit card a few weeks before the payment due date. I still receive a bill the following month for {$2.00} listed as a minimum interest Charge, but the detail lists the interest charge as {$0.00} with the {$2.00} listed under fees. There should be no interest charge on an account that has been paid in full prior to the payment due date. No other credit card I have has ever had any fee after the full balance was paid off.
Consumer complaint received 2016-10-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (PA)

Chase added old, outdated information from my XXXX credit file into my current account information. They took XXXX historic phone numbers and at least XXXX historic address. They placed these numbers as active into my account. The historic address was listed as my current physical address. The historic information was from XX/XX/1999 or older. I never provided Chase with any of this information directly.
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NV)

Complaint against Chase Mortgage Department We received a letter dated XXXX XXXX, 2016 from Chase ; Chase had provided with copies of the correspondence letters sent to us when requesting loan assistance and mortgage assistance. 
However in any of the packages sent to us for loan modification mentioned about opening escrow accounts when applying for loan modification. It was never disclosed that just because we applied for loan modification Chase will paid in our behalf property taxes. 
We had and continue pay our property taxes and had never been late nor delinquent of it. This information has been confirmed with the XXXX XXXX XXXX tax collector. We had never missed a tax payment since it 's a priority lien and we want to make sure that we are in compliance with the law. There was never a written documentation specifying that Chase will open and pay our property taxes just because we applied for loan modification, a loan modification that was never approved. We the clients strongly agree that Chase had committee fraud and misrepresentation in regards of opening an escrow account and paying property taxes without our authorization. There were never any legal rights for it and nor XXXX XXXX and XXXX XXXX had ever agreed for Chase to allow to pay property taxes. We had never provided a written consent for it. 
At this point the borrowers XXXX XXXX and XXXX XXXX want to enter into a settlement agreement with Chase in regards to loan number ending XXXX. Since Chase has misrepresented the mortgage loan and without representation made tax payments in behalf of the borrowers without proper approval nor informed the borrowers about any of these acts '. The XXXX XXXX tax collection agency received in XXXX occassion double payments XXXX from us and XXXX from Chase and XXXX time the refund came to us and the other time it came back to Chase. We the borrowers are now looking for a settlement in regards to this mortgage loan and to release a lien on our property. During the market crisis Chase was not in the capacity to deal with a high demand on backout loans and they were not prepare to handle loan modifications for what they did whatever was convenience to them. 
Please notify the borrowers the amount of the settlement or legal actions to Chase and its mortgage subsidiaries will be continue. This notice will be submitted to Consumer Financial Protection Bureau and other governmental agencies.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: LEXISNEXIS (WA)

XXXX employees caused a dent into my car while parked with their crate cart and paid to get it repaired through their insurance company. They are now reporting it under my accidents and causing a huge difference in my premiums. This accident should have been reported under collision and it is affecting my insurance premiums for the past 2 years.