davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (CA)

I have tried different ways to find a final solution for my mortgage problem. I paid a company that promised me a modification, they stole my money and nothing was done. When an organization name XXXX came to XXXX XXXX, I slept outside the buildings to be XXXX of the first ones and find a solution to my mortgage problem. I have expended hours on the phone with Chase Bank and nothing have happened. I was trying to save my home, I filed for bankruptcy on XXXX 2010, 5 months later I was granted a modification that have turn to be a nightmare, I am attaching the documents so you can see what Chase Bank is doing to me. They added a so called " silent second mortgage '' in the amount of {$170000.00}, The amount of the principal plus this silent second mortgage is {$530000.00}. This amount is more than the amount of principal before bankruptcy.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (MA)

My credit card, issued by Barclays Bank Delaware, gives XXXX XXXX reward points as an anniversary benefit. It was supposed to be accrued by XX/XX/2016 but did not happen. I complained multiple times through their messaging system but no positive response was given. Because of this delay, my account balance ( XXXX points ) at XXXX was also forfeited.
Consumer complaint received 2015-08-03
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I opened an account in Chase Bank in 2012. I am a XXXX and I reside in my home country XXXX. I suffered from identity theft. All my personal information was stolen I do n't know how and these hijackers or whoever dos this made several transactions to XXXX different people, I do have their names and I know they are located in XXXX XXXX. Unfortunately, I found out about this about 8 months after when I tried to acces my account and it was bloked. I flew to USA as soon as I could to find out what happened, it is then when I found out about my money being stolen. The bank took some days to investigate, but they end up closing the case. According to their policy if I did n't complaint before 60 days there is nothing they can do to get my money back. Now I 'm in XXXX because I was told the main office is located here. I already file a police report and I want my case to be reopen so can persist on getting my money back. It was about {$16000.00} that I saved with very hast work. Please share my story so this does n't happen to many more people. I hope to get my money back though you. Please help me to show that these money transfers were not made by me. Thanks for your time to this matter.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (CA)

I opened a card with JP Morgan chase bank in XXXX. Their first statement got issued on XXXX XXXX, 2016 with a balance due ~ {$2700.00}. My payment was due on XXXX XXXX and I made my payment through automatic minimum payment setup. Then I posted {$5000.00} payment on XXXX XXXX. JP Morgan chase assessed finance charge of {$73.00} on while balance due and not only on the balance that was leftover from first statement. I called up customer service and they mentioned they charge interest on the whole balance. That means, even if I purchased an item on XXXX XXXX, they will still charge a full month of interest on the balance due on XXXX XXXX. That means I am paying interest for time on an amount for which I did not borrow the money. This is inappropriate and robbing money from small consumers like us. Please help and review. With this type of payment policy JP Morgan is looting XXXX of dollars from consumers for the time where money was not borrowed. They pointed to the agreement we signed which never shows example of the case above.
Consumer complaint received 2015-10-08
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank has notified us that any users of our on-line COMMERCIAL bank account is now required to provide their HOME PERSONAL address to use the company on line bank account. 

We try very diligently to separate the commercial and personal accounts and are not comfortable with a bank requiring personal information to use a commercial banking product. This is a breach of confidentiality to require personal information to access a business bank account. Below is the notice from Chase : '' As you may remember, on XXXX XXXX, 2014 we started requiring that all Chase XXXX users provide their legal first and last name and primary residential address. We 've been gathering this information from our current users in phases, and starting XXXX XXXX we 'll need this information from the users who have access to your accounts. 

We 'll prompt them to provide this information the first time they log in after XXXX XXXX and will require that they enter it before they can view or transact on the account. 

We need this information because our policy requires that we obtain and record certain identifying information about any individual that transacts on a Chase account. 

We also sent this information to your chase.com user ( s ). 

If you have questions, please visit a branch or call us XXXX XXXX XXXX XXXX. 

As always, thanks for choosing Chase. "
Consumer complaint received 2015-08-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (LA)

I requested a payoff from my mortgage lender ( Chase ), after XXXX days they provided the payoff but it indicated the per diem interest date of XX/XX/2015. The XX/XX/2015 payment was made on XX/XX/2015. In an attempt to refinance the loan and because of this the new lender requested a payment history because the XX/XX/2015 implies that the XX/XX/2015 payment had not been made. When I contacted chase they affirmed the XX/XX/2015 payment was made but that the XX/XX/2015 date was correct. A search of the internet indicates the industry standard is that the lender uses your requested payoff date to calculate per diem interest you woe in the time period from your latest monthly payment until the payoff date. In addition, I requested a XXXX month history of payments on XX/XX/2015. I was told that I must have not made a full payment because there was a suspense balance that was not a full payment. I disputed this and advised all payments were made and any suspense funds were payments made by the trustee in my XXXX. I was told that if I paid XXXX they would process the payment that day, and the next day move the suspense balance over to a full payment and send me a new payoff statement indicating an interest due date of XX/XX/2015. The following day I was called by CHase and told they are working on it but because of my complaint to CFPB they would not be able to provide a response as previously stated. They advised they would contact me on the XXXX for a status update. On XX/XX/2015, I received a payoff statement with the same XX/XX/2015 date and have not received the XXXX month history as requested. Because of this I am unable to refinance my loan ( VA streamline ) to a lower interest rate and save over XXXX per month.
Consumer complaint received 2015-12-23
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (CT)

I paid my loan in full on XXXX XXXX, 2015 and never received a lien release letter nor did the State of New York Motor Vehicle Departmen receive this informationt. I have requested a lien release letter and my title from Chase Bank numerous times both which the representatives and senior representatives have not been able to provide. I have been told that they have mailed a letter and yet to date I have no such letter. I contacted NY DMV and they informed me that they do not have my title and that the bank has this information and should have provided it to me when the vehicle was first bought. I will have to pay again for a duplicate title once the a lien release letter can be provided by Chase Bank. I have a copy of my cancelled check and loan statement identifying that the loan has been satisfied.
Consumer complaint received 2016-06-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MD)

i have an account being reported as AES/NCT and National Collegiate Trust on my credit report in derogatory status all of my loans are federal student loans and are being paid on time and current. this account reports monthly with a past due balance of XXXX ive called AES and verified that my loans are consolidated and AES has been paid in full prior to consolidation my loans were current. this is preventing me rom buying a home as its reported monthly derogatory and with a past due balance. its also based on the date past the statute of limitations i want it removed from my report i did not take out a loan with nct or national collegiate trust
Consumer complaint received 2017-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (MO)

After several years of loan repayment, I found that I was eligible for a XXXX program, as I am now a state employee. I filled out the paperwork and my loans were transferred to Fedloan. Before a payment was due, Fedloan immediately put my loans into default with the XXXX. I assume this was a mistake on their part and after several conversations with them, they tell me basically that their is nothing they can do. My loans, that I have been paying on for over 5 years are now back in default.
Consumer complaint received 2016-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (NV)

I have paid off the student loans in 2015 and they still show as open accounts and past due, the company said they would take them off my credit report. Also I never lived at an apartment on XXXX I have no idea why that address is on there. Please look into these for me and let me know what comes of it. Thank you, XXXX XXXX. XXXXXXXXXXXX
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MD)

Fedloan Servicing is applying anything that I pay over the amount due to future interest. My bill for example can be {$500.00} and I pay {$550.00} that addition money is being applied to interest. Also, if the bill states outstanding interest at {$190.00} and monthly payment is {$450.00}, I pay {$500.00} they are applying {$350.00} of that payment to interest. For 4 months my balance never went down. It was all going to interest. And the other months they are taking more for future interest. No wonder my balance in 4 plus years has only gone down $ XXXX. This can not be a legal practice.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : I disputed these items last month. When I pulled my new credit report today on XX/XX/2021 these items was previously deleted, and now re-inserted my credit report. You did not notify me within XXXX business days that it was re-inserted on my credit report and because of this section FCRA XXXX violation, the account needs to be removed.Send a new credit report to me showing this deletion. 

Thank You, XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF ED/XXXX Account Number : XXXX Please delete it from my credit report immediately
Consumer complaint received 2015-12-14
Product: Credit card — 
Issue: Balance transfer fee — 
Company: JPMORGAN CHASE & CO. (MO)

I transferred XXXX credit card balances totaling {$660.00} to Chase at a promotional 0 % APR for 12 months. At the time my bill was due I paid my card in full less the balance that was under 0 % promotion. I was subsequently charged an interest fee event though I paid the full balance that was subject to interest charges.
Consumer complaint received 2015-11-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (NV)

i had lost my job and was trying to modify my mortgage loan. i had requested and filed my paper work to my mortgage company and month after month they said they did n't get my paper work so i had to start the process over, while going threw a modification ever home wont except any payments so i was falling behind on my payments.after about 2 years i figured out that they was n't going to help me they just wanted me to lose my house. i looked for help with fannie mae where they did help me keep my home. my problem now is i have many late payments on my credit report and would like to see them gone is there something i can do
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (TX)

I recently applied for a credit card through Amazon.com which cards are affiliated with CHASE Bank. I have only had the card 3 months and have been making timely payments sometimes twice a month. I recently paid my account on XX/XX/XXXX for XX/XX/XXXX. I was sent a email stating they didnt receive payment this month and it is late and they attached a XXXX fee. I made previous payment in XX/XX/XXXX for XX/XX/XXXX with no problem. This time I was told, I paid it too early I have to wait. My bill is due on thXXXX of each month.
Consumer complaint received 2017-03-22
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (CA)

I have a general complaint. Chase does NOT allow me to setup an automatic payment to my credit card for anything other than the minimum payment due, or the full balance due. I believe this is on purpose, to force the consumer to not be able to pay anything other than the minimum payment, and then have to manually schedule payments at a separate time for anything above the minimum, but below the full balance. If I want to automatically pay {$500.00} or {$750.00}, when my minimum is only {$150.00} or {$250.00}, I should be able to!!!! It is total XXXX just designed to XXXX me from automating my payments @ where I want them to be, so I can pinpoint my payoff date. Instead I have to remember to go in and manually pay them, and if I forget, oh well, just more interest for the bank. They should NOT be allowed to tell me what I can automatically pay every month. I should have the ability to pay what I want, as long as it is above the minimum.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (TX)

Situation : Opened a dispute with Chase regarding partial transaction of service missed from XXXX XXXX. Chase rebilled partial charge credit back to my account on XXXX XXXX claiming merchant will not offer refund to Chase because they claim I did not miss out on any of the transaction, which is untrue. Story below. 
We missed our XXXX flight on XXXX XXXX due to the airlines could not locate our seats, they told us we had not paid the merchant, because the merchant had not issued us seats. I spent 4 hours that morning on the phone getting our original ticket numbers and once the airlines looked it up, they said there was a system connectivity issue. They said they notified the merchant after XXXX XXXX multiple times to issue us new seats because XXXX and XXXX had merged, but XXXX XXXX never issued new tickets. XXXX blamed the airlines saying they did issue new tickets, but that the airlines had not re-issued us new seats. In the meantime, we did go to the XXXX Gate because the flight info had updated, but we could not see behind the scenes that we had no seat assigned due to system failure. Neither the airlines nor the merchant would accept responsibility, and kept blaming XXXX another. We missed the first full 24 hours of our all-inclusive vacation at our resort due to this issue, and I had to pay for a hotel for our layover in NC that evening, and all extra food expenses, which were a result of missing our flight. As a consumer, I did n't receive the full product of my purchase and I am asking for a partial credit in return for missing part of my vacation, along with additional incurred expenses. I should be protected by my credit card company to help make this right. I knew going into this dispute that XXXX XXXX would not take ownership for the " system mishap '' as neither did the airlines. This is why I turned to Chase to help give me a partial refund due to missing part of my vacation and having to pay for food and hotel in North Carolina. Chase decided they would not help me for this transaction. They were negligent in their part to protect me and offer the credit for the portion of service I did not receive by the merchant.
Consumer complaint received 2015-09-08
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I 'm not sure this is your issue to handle as there is no category for it ... 
XXXX XXXX XXXX has been over-charging me monthly since XXXX, 2015 by up to {$100.00} a month. I call a representative a couple of times every month to get the issue resolved and, while they are very helpful, the information seems to go nowhere and I have to deal with the same problem monthly. I am told that it 's their error and my account will be refunded but I am still waiting for the Errors to be corrected. I will submit documentation once you tell me this is an issue you with which you can help. My XXXX XXXX XXXX fees are deducted from my credit card ... I would call the credit card company and dispute it but I do n't want my phone service stopped.
Consumer complaint received 2015-04-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I notified my bank that check # XXXX {$1300.00} was endorsed by someone other than XXXX XXXX. XXXX XXXX and I called XXXX XXXX XXXX. When we got no response or cooperation from them I filed a complaint against them with CFP # XXXX. I was then contacted by BofA and was told to file a claim with my bank, which I did. Not XXXX but XXXX because the first person did n't do it correctly. On XX/XX/XXXX Chase sent me a letter stating that they received my affidavit and was told that it could take 30-90 days. On XX/XX/XXXX I called Chase and spoke to someone called XXXX and spent XXXX min. trying to get the status and to speak with a supervisor. None was available except that they were waiting for BofA to respond. I then filed another complaint against XXXX # XXXX and was once again informed by BofA that they were waiting for Chase to contact them. Today I went to a Chase branch and after having expressed my frustration to a CSR, She called the Fraud department and she became frustrated when she was informed that there was no manager available. She was given the same story about it going through a process. She was trying to inform XXXX that it has now been 4 months and it should not have taken so long especially when XXXX stated that they were waiting for Chase to contact them. I now want to filed a complaint against Chase Bank XXXX investigation for following through with proper procedure in a timely matter with my claim # XXXX. Four months is a long time to wait for something that was complied with on my part for all parties involved. Chase Bank has been negligent to expedite my claim in a timely manner.
Consumer complaint received 2016-05-17
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX and his wife had a XXXX XXXX, XXXX mortgage with XXXX, a New Jersey corporation, for {$240000.00}, which was a first mortgage ( since prior mortgages had been paid off ). In XXXX XXXX XXXX XXXX and Chase Home Finance LLC, apparently acting as a debt collector entered into a loan modification agreement. XXXX XXXX believes that his required payments have lately increased in a manner that he believes is unfair.
Consumer complaint received 2015-07-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC (FL)

ATG Credit ( XXXX ) is trying to collect a debt they claim I owe from a company XXXX XXXX XXXX for {$79.00}. They say its for an apartment that I moved out of in XXXX 2012 called " XXXX XXXX '' at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL. I closed my accounts then with XXXX and XXXX. I never had an account with XXXX XXXX XXXX and I ca n't even contact them. XXXX shows my account is closed with {$0.00} balance. The XXXX management has assured me that they never send anyone to collections. XXXX XXXX XXXX is submitting this claim FRAUDULENTLY and no one is willing to help me. 

ATG Credit is incredibly rude and will not give me any information other than to say you owe {$79.00}. I am supposed to just them the money blindly without knowing if they will then keep coming back for more? 

I do n't want this to affect my credit, and need help from someone. 
Please help me! 
- XXXX XXXX
Consumer complaint received 2016-10-05
Product: Credit card — 
Issue: APR or interest rate — 
Company: U.S. BANCORP (CA)

We are lodging a complain against US Bank. My husband is an XXXX XXXX service member with the XXXX, XXXX. We opened our US Bank credit card in XXXX of XXXX. I, the spouse, am the primary card holder. As such, US bank is denying us SCRA benefits unless I provide a court order stating I am financially dependent on my spouse. When we obtained my husband 's credit report, US Bank shows on his report, proving that he is a guarantor on the card and not just an authorized user. 
In XXXX of XXXX, we received a letter asking for a court order stating I am financially dependent on my husband before they would give us SCRA benefits. In response, I sent in our XXXX tax statement proving that I earn no paycheck as I am a stay at home mother. They sent the same denial letter in XXXX of XXXX and we brought this to the attention of a military attorney, who wrote a letter on our behalf explaining that we are, indeed, entitled to SCRA benefits. At this time, we are awaiting response from US Bank.
Consumer complaint received 2016-09-19
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (IL)

Had a mortgage ( home equity ) Loan with US Bank. This since XX/XX/XXXX. XX/XX/XXXX I sold my house, the house that secured the note. I received a lien release and a letter saying it was paid off. A few years later I am in US Bank and have a casual with the bank president. He tells me the Line of credit is still open ( {$95000.00} ) ( minimum fixed rate of 6 % ) and that I should use it ... .I tell him I am unemployed and could not pay it back ... ..He tells me that if he did n't loan money to people who could not pay it back he would never make a loan! He insists I can use it to get over the rough spots ... .. and not to worry about paying it back ... ... well now the {$95000.00} is due ... .They changed my payments from {$350.00} to {$1300.00}. It is just a signature loan now ... .. 
This jerk enticed me to borrow the {$95000.00} from US Bank knowing full well I had no job .... 

Is there anything that can be done?