davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-12
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld was asked by me on XXXX/XXXX/16 and XXXX/XXXX/16 to provide proof that XXXX XXXX XXXX owns this debt because I never signed any contracts with them. Transworld wanted me to settle this debt at XXXX % without giving me the proof that I asked for. They turned over the accounts to a collections law firm which can sue over this. I want all XXXX accounts removed to my credit report due to fraud. I only received some documents after it sent to a collections law firm, this is not legal to do this per the attorney I spoke with. The set up of how Transworld fits into this equation is not clear because it states that XXXX XXXX XXXX owns this debt but why did not the owner notify anyone that they owned debt shortly after it was purchased, it shows to me that Transworld and XXXX XXXX XXXX wants to muddy the waters by not disclosing everything. Transworld claims they ca n't remove any credit reporting but XXXX XXXX XXXX should remove due to fraud. The paperwork shows XXXX XXXX XXXX, XXXX XXXX XXXX, and then XXXX XXXX XXXX therefore the loans went through several channels ; no way that XXXX XXXX XXXX owns this debt. I had a conversation with XXXX XXXX and they acknowledged that they owned for a short time. It is illegal to make anyone pay this loan because the loans went through several channels which makes proving that XXXX XXXX XXXX own the debt a problem plus Transworld did get into trouble for not sending the validation of debt before sending this debt to a collection law firm. The loans should be removed from my credit report completely because XXXX XXXX XXXX and Transworld just violated the FDCPA by sending the loans to a law firm to avoid sending a validation of debt.
Consumer complaint received 2015-12-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (FL)

I was referred over to a debt collector through XXXX XXXX for {$980.00}. I was an Independant representative for XXXX XXXX on a XXXX basis and was only with the company briefly. I have not been licensed with the company since XXXX 2014 and they are trying to access me for Charges that are not valid. I had asked the office manager to look into the charges since I did not bring in any revenue as well as was only licensed with the company as an agent for 5 months without closing any sales and working as a XXXX employee. XXXX XXXX, account number XXXX, then turned me over to collections. This account is not valid
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (VA)

I called into the citi credit card call center on XXXX XXXX to see if I could get a late fee could be waived. The customer representative agreed and said the fee will be waived. After that, I immediately paid the remaining outstanding balance apart from the late fee. But the late fee was never waived. Since I do not use this card, I did not check this card balance until the statement date in XX/XX/XXXX. That 's when I found that there was still an outstanding balance of {$25.00} and that I was slapped another {$25.00} fee. 
Since then I have called the citi call center again to inform them of their error and waive both late fees, but they are saying that they can only waive XXXX fee. This is a clear violation of an agreement reached on the first call.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

I have a Chase mortgage for this property on my credit report which needs to be removed or satisfied as I am no longer liable for it. I made a settlement with Chase in XXXX 2015 in which Chase waives all claims against me and any deficiency judgment against me. I am attaching the stipulation of settlement and my attorney letter to Chase explaining the settlement as proof. I am being penalized for being a victim of financial abuse. Chase has not resolved this issue yet. Time is of the essence. I am homeless with sole custody of XXXX children and need to buy a home. I can not get a personal loan, mortgage or lease with this mortgage still on my credit report. My credit card account from XXXX was also closed. I can not support my children with this erroneous bad credit. Please help me and my children.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

I was offered a permanent Home Affordable loan modification by XXXX XXXX XXXX, the lender on my XXXX mortgage. I signed the modification agreement and I made a payment of {$250.00} demanded as a subordination fee by Chase, the servicer on my XXXX mortgage. Chase is now refusing to subordinate. This will cause me not only to lose the loan modification on my XXXX mortgage, but will also prevent me from obtaining a HAMP 2MP loan modification on my XXXX mortgage. 

A Chase representative recently called me and told me that I would " be out on the street '' if I did not agree to pay a lump sum to satisfy my XXXX mortgage immediately. I am entitled to a loan modification under the HAMP 2MP. Chase is denying me the loan modification to which I am entitled.
Consumer complaint received 2017-01-10
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (MA)

I enrolled in a credit card debt payoff program with XXXX XXXX and my Chase account was settled on XXXX/XXXX/XXXX. However, starting in late XXXX I have been getting calls from a debt collector for money still owed on this account. Additionally, my Chase account is showing up as " in collections '' on my credit statement.
Consumer complaint received 2016-11-28
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (FL)

I was just looking over my bank statement for a mortgage and found the following issues. With all the rules on banks you would think this one is a simple one to adhere to! I 've had this mortgage for a long time and I think it used to show this, but now it does not. 
1 ) The amount of interest charge for the period. It shows the amount applied but it is impossible to discover if that covers the mortgage since there is no indication of the interested accrued for that period. 
2 ) All three columns indicating Interest due, Full Principle due, and full principle and interest are blank, or show XXXX. 
It is clear from the attached statement under option XXXX that you may not be making enough of a payment to cover your interest however there is no place on the form that indicates what that payment should be. 
Is n't it a requirement to show what one is actually paying and or required to pay to cover the mortgage. 
BTW this is Chase Bank
Consumer complaint received 2015-12-01
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO. (FL)

I went online to sign up for a Chase Freedom credit card. During the process I was asked if I would like any additional cards on my account. I said " yes '' - and requested an additional card for my daughter ( to use in case of emergency ). I received the cards then my daughter comes to me shortly thereafter and said that her credit score dropped almost XXXX points due to this Chase credit card. I was not sure how this could happen, as they did not have her permission, nor her social security number. I called Chase. They were not helpful and just said that it 's part of their process and it 's on their website that any other user 's information will be used. So I went back to the website and printed off the documentation - and did NOT find such info. Chase also put me through to the credit bureau they use ( I do n't recall which but seems maybe like XXXX ). I asked how they obtained my daughter 's permission and SS number to run her credit. They proceeded to tell me that they matched her name with my address and located her information in their database. Needless to say, this appears to be a privacy issue, at the very least. My daughter is trying to buy a home in the next year, and this does not help her FICO score! With Chase nor the credit bureau willing to help, I feel my only option is to file this complaint with your agency. This is a privacy issue and I can not fathom how Chase would legally be able to run her credit - without my daughter 's permission.
Consumer complaint received 2016-11-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (CO)

I have had issues with the post office at my last address where for XXXX weeks I never received a single piece of mail no matter what I did ( including file a complaint with the postal inspector general ... ). 

Chase Bank has not marked the lost card as stolen as far as I can tell and I had to speak with XXXX XXXX*** representatives refusing to do anything about the new checking account 's debit card I NEVER RECEIVED. Only when I finally insisted on speaking to a supervisor was I informed that I could GO INTO A BRANCH to prove my identity in person and request a new debit card or wait until XX/XX/2016 to request another by phone. I have had plenty of issues with cards in the past and I have never had such issues getting a replacement. 

I already overpaid {$27.00} for only XXXX checks because I DO N'T HAVE TIME TO VISIT A BANK BRANCH, especially for minor bulls*** that is not my fault when I have XXXX businesses to run. 

If I need to go into that branch, it will be to CLOSE EVERY ACCOUNT I HAVE WITH CHASE before transferring all of my business elsewhere.
Consumer complaint received 2016-01-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OH)

fraud against chase bank jp morgan XXXX for the FEDERAL DEPOOSIT INSURANCE CORPORATION { FDIC } BY JP MORGAN XXXX XXXX XXXX HOUSE XXXX COUNTRY RECORDS .... JUDGMENT PURSUANT TO RULE XXXX ( e ) for abuse of discretion { atthur v. king XXXX F XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeals federal rule of civil procedure XXXX ( e ) Rule XXXX ( e ) real property federal district court pursuant to XXXX XXXX XXXX XXXX NAMING JP MORGAN XXXX FOR THE XXXX XXXX XXXX XXXX DOCKET XXXX XXXX -cv XXXX XXXX XXXX XXXX ACTIONING REAL PROBERTY XXXX XXXX
Consumer complaint received 2015-12-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (GA)

My wife and I were trying to get a home equity loan. I asked for your help earlier this year, case XXXX, and I have learned more about the problem. Earlier in our loan, XXXX went out of business and Chase took over our mortgage. The loan was never transferred. This info was taken from your investigation earlier : On XX/XX/XXXX, in order to allow a new lien release to be processed, our Legal Department asked to have an Assignment prepared to show the transfer from XXXX XXXX XXXX to JPMorgan Chase Bank , N.A . However, on XX/XX/XXXX, we received confirmation from the Lien Release Department that XXXX XXXX XXXX had closed in XX/XX/XXXX. Therefore, the Assignment can not be obtained. 
We need to get this fixed ASAP as we desperately need the loan. Could you help or give me some information? Thanks
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (MO)

I have applied twice for Amazon sponsored credit cards. The last XXXX was from Chase. Both times after opening and purchasing on the accounts they have automatically enrolled me in paperless statements and by the time I actually get a paper bill ( calling them after email alerts on account ) I am charged late fees. I always pay my cards on time and usually in-full. I seriously believe this is a ploy ( since it has happened twice ) they are using to extort late fee payments out of customers. Both times they say the paperless option was chosen and it was not. I am familiar with the prompt screens they use for paperless and always say No Thanks. I believe they are using Paperless as the default no matter what you pick.
Consumer complaint received 2015-07-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CA)

MY WIFE AND I HAVE BEEN DEALING WITH CHASE BANK FOR AT LEAST XXXX YEARS IN ASKING THEM TO EXPLAIN WHERE OUR PAYMENTS WENT. CHASE SENDS US ACCOUNTING STATEMENTS WITH DIFFERENT INTEREST RATES FOR THE SAME EXACT TIME PERIODS. THEY HAVE MIS APPLIED OUR PAYMENTS AND WE GET THE RUN AROUND FROM XXXX DIFFERENT DEPARTMENTS. WE NEVER GET ANY SATISFACTION AS TO OUR QUESTIONS. TAKE FOR INSTANCE TODAY, I RECEIVE A CALL FROM XXXX AT XXXX P.S.T. I RETURN THE CALL AROUND XXXX P.S.T. THE MESSAGE MACHINE FROM THIS CHASE BANK PHONE NUMBER STATES THAT MY REPRESENTATIVE IS NOT AVAILABLE BUT IF YOU WANT TO TALK TO SOMEONE ELSE, PLEASE PRESS XXXX. I PRESS XXXX AND THE RECORDING SAYS WE ARE NOW CLOSED! THIS WAS XXXX P.S.T. I CALL BACK AND LEAVE A MESSAGE FOR OUR REPRESENTATIVE TO SAY WHAT IS GOING ON? WHY ARE YOU CLOSED ON A WEDNESDAY AT XXXX XXXX? THIS COMPANY HAS FILED FORECLOSURE AGAINST MY WIFE AND I AND THEY SAY IN THEIR WRITTEN CORRESPONDENCE THAT " THEY ARE HERE TO HELP ''. IF THAT IS THE CASE WHY DO N'T THEY HELP? MY WIFE IS XXXX, I WORK XXXX DAYS A WEEK. WHY CA N'T WE RECEIVE SOME OF THE MONEY THAT CHASE WAS FINED FOR THEIR WRONG DOINGS? CHASE IS REQUIRED TO HELP HOMEOWNERS WITH PRINCIPAL REDUCTIONS OR MORTGAGE RELIEF AS PART OF THEIR SETTLEMENTS WITH THE STATES AND THE FEDERAL GOVERNMENT. I WANT AND I NEED THEIR HELP BUT WE HAVE SPENT XXXX OF HOURS ON THE PHONE WITH THEIR " SUPPORT TEAMS '', THEIR " ESCALATION DEPARTMENT '', THEIR " EXECUTIVE OFFICE '' BUT ONE DEPARTMENT HAS NO IDEA WHAT THE OTHER DEPARTMENT HAS TOLD US OR HAS DONE. IS THIS THE AMERICAN WAY?
Consumer complaint received 2016-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: COAST PROFESSIONAL INC (IA)

Have never heard of Coast Professionals until my wages were garnished. Never received notice from them. Been going on for 4+ months. Sent them letter asking for verification of this debt, received nothing with my signature, never marked disputed on my credit reports, breaking federal law. And my credit reports showing total of {$12000.00} in debt, this company is garnishing me for more than {$17000.00}. Garnishment led to me being late on rent payment for XX/XX/XXXX, and now I am a homeless single father with a XXXX year old daughter.
Consumer complaint received 2022-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (OH)

An employee of Hunter Warfield named XXXX XXXX [ employee number XXXX ] called me on XX/XX/2022 at XXXX XXXX  EST and left a message to call him back. I have previously sent Hunter Warfield a cease and desist letter in writing by mail to not contact me by phone, email or mail.

I have previously sent Hunter Warfield information to verify that I am the victim of identity theft and that I do not owe and have never owed any debt obligation in Florida. I have attempted to obtain information from Hunter Warfield in order to submit a criminal complaint with local Florida authorities. These attempts have been dismissed by Hunter Warfield.
Consumer complaint received 2015-05-18
Product: Credit card — 
Issue: Cash advance fee — 
Company: JPMORGAN CHASE & CO. (CA)

During a dispute of the type of fee charged to my account Chase stated that they would credit back the {$10.00} fee as a courtesy ; however, later charged the fee back to my account. Their previous email did not indicate that the credit would be reversed dependent upon what occurred with the dispute. This appears to be a deceptive practice towards consumers.
Consumer complaint received 2016-05-12
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (MN)

I took out a loan with Big Picture Loans ' office located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. The loan was for {$400.00} with an interest rate of about 40 %. So I would owe about {$560.00} in the end. I believed to have pay off the loan, but 3 years later they are now contacting me, stating I owe approximately {$2000.00}. I have contacted them and they stated they contacted me via mail. I never received letters and they never contacted me via phone, which was how they contacted me originally. They sent the case to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX USA. I was told I paid off the original balance and only had fees remaining. I paid {$350.00} to cover any fees i should have accumulated. but they claim i still owe over {$500.00}. This is unreasonable. I was not warned of these fees, and they made no effort to contact me. I wish to complain about their service and business ethics.
Consumer complaint received 2016-08-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

I have been getting monthly automated calls from " ERC '' asking me to contact them about a debt at this number:XXXX with reference number : XXXX. In the past when I answered the phone call with a human voice on the other end, they would ask for an individual I have never heard of and would ask that they not call again, I have since stopped answering the call and now get a the robotic voice mail. I need this repeated calling to cease as this is not my debt.
Consumer complaint received 2016-05-07
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I applied for a loan with big picture loans.com, when I spoke with the representative who was a lady, she advised me that I was approved for a XXXX dollar loan and my pay off balance would be XXXX dollars. XXXX dollars would go to my finance charge. I have XXXX options to pay the loan back. The first is to pay the XXXX in full by the first payment date of XXXX/XXXX/2016. The second is to make monthly payments of XXXX a month. No where did she mention the amount of the finance charge would b 793.6667 %. After she finish my paperwork I was advise I can log into my to check my payment status. I was unable to check anything put the payoff balance which said XXXX dollars. Once my first payment was taken out of my account I wanted to check my payment amount for the month of XXXX. That 's when I was able to view my documents and see the ridiculous amount that they are charging me for a XXXX loan. I was very upset because I can not afford to pay back XXXX XXXX dollars on a XXXX loan that I borrowed I can see XXXX dollars that I was told. I 'm a single mother of XXXX with no help from anyone, that 's why I turned to the loan but not to be robbed.
Consumer complaint received 2017-02-26
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (CA)

To Whom It May Concern : I am disputing the charge of {$760.00} from XXXX CA because I was interested in purchasing an electric scooter a.k.a hoverboard, from this company back in XXXX 2015 and because of the price, declined to do so. While I was speaking to the salesperson for almost an hour in an outside flea market, which all the " stores '' were in a tented area, some of his sales people were surrounding potential customers frequently. I know I had my card scanned from a skimming device that takes your numbers off of your card and was charged. I saw the pending charge later that night when I looked online and it posted permanent two days later. It is a FRAUDULENT charge! I called the merchant the very next day at his phone number on the business card, which was either turned off or when on, I left a message with no return call. The same day, I also tried to email the merchant, but the email bounced back telling me that email address does n't exist. I 've filed complaints with the Attorney General, but was told only my credit card company can help me. I have tried to dispute, but to no avail. I am going to take this as far as possible if you wo n't help me because I have been taken advantage of and had fraud committed against me. I have attached a copy of the merchant 's business card. I 'm sure he is aware of his illegal business practices. Please help me resolve this. Thank you for your assistance!
Consumer complaint received 2016-07-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

complaint of double standard : I have over XXXX XXXX XXXX of dollars deposited in checking account and got no interest. But Chase bank charged me a late fee of {$25.00} for overlooking a payment due date. On top of that it charged me a {$9.00} interest. XXXX on {$25.00} translated into a rate of interest 40 %. This is abusive and excessive.
Consumer complaint received 2016-05-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

I used the ATM in a XXXX store to make a withdrawal. I was alerted that there would be a {$3.00} fee to which I agreed to pay. When I checked my bank account ; instead of there being a {$3.00} amount on a {$140.00} withdrawal for a total of {$140.00} : there was a separate {$1.00} miscellaneous fee also. This fee was not indicated at the time of my withdrawal. If Chase Bank does this with every customer, they are making a ton of money illegally. Please look into this fraudulent practice.
Consumer complaint received 2015-10-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CT)

This is follow up on my previous complaint against Chase Bank. Also update on the {$100.00} that is on hold when will i receive itWe are keeping {$100.00} in a suspense account due to pending claims that you filed. The expected resolution date for the claims is XXXX XXXX, 2015. Once the claims are finalized and if approved, {$100.00} will be mailed to you in a cashier 's check. We have received multiple complaints regarding the same issue and going forward we will no longer be responding to you about the same issues. 
We are keeping {$100.00} in a suspense account due to pending claims that you filed. The expected resolution date for the claims is XXXX XXXX. Once the claims are finalized and if approved, {$100.00}