davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-21
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

while looking for employment I was approached via email XXXX for a XXXX XXXX Position. HR contacted me and passed this initial interview. I was then passed on to the HR trainer where 4 weeks of training would be conducted on line. XXXX 2 weeks I was learning policies, acronyms, processes, etc. and passing weekly tests. The XXXX week i was asked to purchased some equipment ( valued at {$7400.00} XXXX and send out of country to a new office being opened. Being careful throughout this whole process about identity theft, I provided no personal info, in fact the hiring company said a few times that no personal info was required untill I passed the 4 weeks of training and met the hiring manager for the final interview. So for the XXXX project I was issued XXXX that had an account # and routing # XXXX CHASE BANK XXXX with funds that were put into my name that were to be used to purchase the equipment. I was asked to use my personal CC at this time till I became full time employed. I transfered the funds from the account info provided into my personal CC and waited till the funds posted. Once posted a few days later I proceeded to purchase the requested equipment and ship out of country to the designated address. I was requested to use USPS priority international delivery. I was then asked to perform the exact same task a second time which is when I suspected something was n't right and asked a few more questions. At this time the response from XXXX XXXX was not acceptable and knew at this time something was wrong. I sent a final email declining the XXXX project / /purchase and also declined any employement with the company., I then proceeded to stop the shipment that was done earlier that morning with the USPS and was told that I was not able to stop it being it is an international shipment. I then contacted my credit card company " CHASE '' and explained the situation and was told the funds are OK and no issues. I have been checking my account daily to ensure no issues and on XXXX/XXXX/15, the posted amount of {$8000.00} was reversed from my credit card account. I do not understand how CHASE bank that the funds were transfered from did not know the account I was using to transfer funds does not have a check / balance process in place to review and detect scams like this. A phone call or text or something to the actual owner of the account. Besides the names being different on the accounts. Todays day and age with technology, banks should be able to detect scams like this.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

As far back as XXXX 2012 I have experienced identity theft. My previous dispute was initiated because of this fraudulently opened account. I wrote to the credit bureau about the collection agent and disputed the debt reported by XXXX XXXX XXXX and the creditor XXXX I and have had no response from XXXX ; Experian ; XXXX or have I received any assistance in clearing this inaccurate information from my credit files. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Consumer complaint received 2015-10-01
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JPMORGAN CHASE & CO. (NY)

In XXXX i lost my job. I continued to pay my chase credit card until XXXX. In XXXX i could no longer pay my card and no longer made payments. In XXXX i recieved a letter from chase saying i was released from my debt. I later recieved a XXXX from chase for XXXX for the debt forgiveness. I paid my taxes on what was now reguarded as income by the IRS. I just recently applied for a home mortgage and my bank application came back with the XXXX debt from chase listed ... .i contacted chase and was told the debt had been cleared and they did n't want any payment but because the debt was not paid in full by me it will remain on my credit report. If the debt was cleared and i recieved a XXXX, effectively changing the debt to income, how can it remain as a debt on my credit report? Chase will not even accept payment and my mortgage application is now in jeapordy..
Consumer complaint received 2016-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TN)

Student loan company is Nelnet. I was placed under forebearance XXXX because I had lost my job and the loan company reported to my credit that I missed XXXX payments and it have severely affected my credit score. I have disputed it several times, but they never respond. My payment history is perfect other than what this loan is saying. I 'm trying to buy a home and they are unlawfully reporting misinformation about me.
Consumer complaint received 2016-06-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I deposited XXXX or XXXX checks in the total amount of {$41000.00} to my business acccount that I have not used for a long time. At the time of the deposit I was not informed about the fact that this account was " dormant ''. 
On the deposit slip that was filled out by Chase 's teller the date is clearly XXXX/XXXX/2016, yet the online records indicate that the deposit was made on XXXX/XXXX/16. On XXXX/XXXX/16 ( 48 hours after the deposit ) I tried to use the funds on my account to pay my mortgage and other bills, but I was unable to do because " the funds were not available ''. I called Chase and was told that I can not use the funds for another 2-3 days because my account was " dormant '', and it takes them that much time to reverse the domant status. I argued and pleaded, that how can an accout be dormant when I was able to deposit over $ XXXX to it, and now that I want to use the money ( all of it deposited on legitimate paychecks ) my account is all of a suddnet dormant. After spending over an hour on the phone and asking for supervispors and managers, all of a sudden my funds became available. 
I am in the process of refinancing my mortgage and need to show income for the past 60 days. I am trying to use the checks that I deposited on XX/XX/XXXX, but all I can see online is the teller 's deposit slip of $ XXXX and not the individual checks. 
On XX/XX/XXXX I contacted Chase and after an excrusiating houtr I was transferred to XXXX XXXX, who promised to take care of my issue. On XX/XX/XXXX I also got a phone call and an email message from XXXX XXXX. In her email there are supposedly the images of my checks, however the images are not in PDF format, so when I try to open them on my computer the attachments open to an empty page. I have tried to contact both women, XXXX XXXX has not responded to multiple messages, and XXXX XXXX phone is not set up for messages, her extension has a message that she is not available. 
Now I spent almost a full business day on this issue, and there is still no resolution.
Consumer complaint received 2016-11-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (SC)

with my agreement I was placed in a debt repayment program with Chase. My account was closed. Then, I began to pay on a monthly basis. For the last year, I was paying the amount requested and was sent a one page notification that my checking account would be debited for {$87.00}. Well, I just discovered that I was 90 days late in payments for past due charges and it has destroyed my credit rating. Not one time did I ever get a phone call or mail telling me I was 90 days late. I spoke to them over the course of two weeks and asked them to remove these late charges from my account and that I was willing to repay the past due. They refused. Again, my account was put in a special status where my Interest rate was reduced. Never once was I ever told that my account was 90 days past due.
Consumer complaint received 2016-02-20
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I booked a rental car to be picked up in XXXX, XXXX and return at XXXX, XXXX in XXXX 2015 through a website XXXX and pay with my Chase Ink Business Plus credit card. The rental fee I paid ( {$410.00} ) in advance included snow tire, one-way drop fee, etc. and other charges. At the time of pick-up, the clerk from rental car company, XXXX, requested I authorize a security charge on my Chase Ink card and assured me that it 's for security garantee purpose. Whe I returned the car in XXXX, I was directed to park the car at a underground parking garage with no human present and just lock and leave it there. My credit card was later charged an additional {$900.00}, and XXXX sent my a bill listing service charges that I either have already paid through XXXX or have never listed in the original service list. I filed a dispute with Chase on the duplicate service charges as well as un-listed service charges. My disput was denied by a Chase staff XXXX XXXX on the ground that " services were delivered ''. I called Chase to find out how I can appeal the decision and I was told the only way was to send a fax. I did send and appeal with all evidence of duplicate/unlisted charges. I stated that I was disputing duplicate and unlisted charges, not whether service delivered. The appeal was denied by the same person ( XXXX XXXX ) simly with the same reason " services were delivered ''. I don 't feel that Chase has really looked at my appeal, instead just sent it to the same person who just threw it back to me.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc. (MI)

I have XXXX different credit scores with Experian Credit Reporting Agency. I recently signed up for one of their credit monitoring products and they gave me my FICO score of XXXX but when I went to apply for a mortgage they stated that my Experian credit score was less than XXXX how could that be.My score should be XXXX score rather good or bad based on a consistent industry standard system.
Consumer complaint received 2016-02-03
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

I am in the habit of paying my credit cards around the first week of the month. I do this electronically. I was under the impression that this was the correct thing to do, and in 2015 I have consistent records showing a payment to my credit card every month. In some months, I even paid down the cards twice. 

Chase, however, had my due-date set for the end of the month and so paying at the beginning of the month resulted in XXXX late fees. I believe that Chase sets end of month due-dates in order to confuse customers like myself, and this is an abuse of their power over their customers. 

Because I did not notice these late fees until now when I am preparing my taxes, Chase is refusing to refund me the money even though they agree that indeed, I did pay my credit card every month -- sometimes even twice in a month. 

I would like Chase to refund me these XXXX fees from XXXX and XXXX of last year - totally {$80.00}. In addition to my checking account, I have a mortgage currently being held by chase. They need to refund this money in order to keep me as a customer - I will absolutely transfer my accounts elsewhere.
Consumer complaint received 2016-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MN)

# 1. On my Experian credit report, XXXX did a hard inquiry on my credit report for their credit services on XX/XX/XXXX. I received a letter and multiple voicemails to call them to verify my information. I spoke with mulitple departments and no one was able to pull up my information. Every customer service agent I spoke to kept telling me that my old account was charged off which had nothing to do with my current application. There was no record anywhere of my credit being pulled in their system. I then received an email stating that I was denied credit, about 3 weeks after applying and being told that they never pulled my credit report. I would like the inquiry removed from my credit report since XXXX states that they never ran my credit. 

# 2. XXXX is also misreporting an account I had with them as both current and charged off which is having a detrimental effect on my credit report. I paid XXXX directly in the amount of {$210.00}, which I have a copy of my bank statement showing the amount and that I paid XXXX and not a third party collection agency. 
Beginning on XX/XX/XXXX through XX/XX/XXXX, XXXX reported my account as charged off. From XX/XX/XXXX through XX/XX/XXXX, they reported my account in good standing. XX/XX/XXXX, XXXX again reported my account as charged off and then in XX/XX/XXXX and XX/XX/XXXX, reported my account as in good standing. XX/XX/XXXX it was reported as charged off again. Having the account go back and forth from in good standing to charged off wrecks havoc on my credit report, when the minimum that should have been done was to update my account to paid collection. 

I have reached out to XXXX to have this matter taken care of, to show that I have paid my debts and have my credit report updated, but after months of being told to contact the third party collectors, whom I never paid nor are they on my credit report, and completely disregarding my concerns and I would like this completely removed from my credit report.
Consumer complaint received 2015-08-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (AZ)

My credit card was used to make unauthorized purchases after I had used it to purchase tickets to a XXXX using my cell phone. I purchased them on line at XXXX at XXXX EDT then starting at XXXX EDT I received notification of the unauthorized charges of {$10.00} at XXXX see attached schedule of unauthorized transactions. I called my credit card company to report these unauthorized charges and cancelled this credit card. 
___________________________________________________________________________
Consumer complaint received 2015-07-17
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TX)

I applied to Chase for a home loan, because I also bank at Chase. 

Since initiating the application, the loan officer had been difficult to reach, when I have had questions about the process, or when I had problems with the online application itself, that he sent me to fill out. 
He ignored several text messages and voice messages, that I sent, either requesting help, or end to inquire if he received my documentation. 
This behaved as if he were doing me a favor by calls and patronizing me when he did ever answer the phone. I texted that I wanted to look elsewhere for a lender. THEN, he started hslf-way answering calls and messages and Told me how much more competitive his business is than other companies. I changed my mind and decided to give him another opportunity to work. 

XXXX days ago, I requested a good-faith estimate, because I was on a time-line with the house 's contract. I called him and advised him off my predicament with the realtor needing a good-faith estimate, in order to amend the contract. 
I asked him for a ballpark figure, just so that I could communicate with the realtor. I stressed the urgency of the situation. 
His response was, " I do n't my computer in front of me. I need to do a lot of research! I am at XXXX 's, in the checkout line! ... do n't worry. I will lock in your rate and get you a good-faith estimate. " He had already announced to me, that I could call him " anytime '', if I had questions. Yet, he treated me like I was bothering him, and like he was too important to treat me with respect. Had me feeling like I was being jhim for the money for this house. 
Just before writing this complaint, I contacted the loan officer, via text and advised him that I no longer want to work him. I advised him that I think good-faith estimates and " locked -in '' rates are XXXX different things. 
I feel like he is playing upon my ignorance, or rather my supposed ignorance, because I am a XXXX home buyer.
Consumer complaint received 2015-04-03
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (NJ)

I HAD A CREDIT BALANCE ON MY ACCOUNT OF XXXX CENTS. THIS MONTH MY ACCOUNT WAS CHARGED TO REMOVE THE XXXX CENTS. I CONTACTED CHASE AND WAS TOLD ANY CREDIT BALANCE UNDER XXXX ( XXXX - XXXX ) WOULD BE ADJUSTED AND RETAINED BY CHASE AS INTEREST IF NOT USED WITH 60 DAYS. I WAS NOT OFFERED A CREDIT BY CHASE OR ANY SUPPORTING DOCUMENTATION. I REVIEWED MY ACCOUNT OPENING MATERIALS AND COULD NOT FIND ANYWHERE THAT STATED THEY CAN KEEP MY CREDIT IF I DO N'T USE IT WITH 60 DAYS. XXXX CENTS IS NOT A LOT OF MONEY, HOWEVER WHEN YOU HAVE XXXX CUSTOMERS IN XXXX STATES XXXX - XXXX CENTS CAN ADD UP TO XXXX DOLLARS IN UNDESERVED PROFITS TO THE BANK THAT DOES NOT BELONG TO THEM. TO ME THIS APPEARS TO BE THEFT BY CHASE BANK AND XXXX CUSTOMERS ARE BEING DECEIVED ; BECAUSE TO MOST PEOPLE PENNIES DO N'T MATTER. PLEASE INVESTIGATE.
Consumer complaint received 2017-03-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: On-Site Manager, Inc. (MS)

My name appears on a civil action for possession that is incorrect. I have never lived in those apartments. I have tried on several occasions to call the management of the property ; however, no one answers. I went to the leasing office of the property and no one answered the door. I need this inaccurate information remove from my credit history because it hinders my chances of moving. On-Site has this inaccurate information under Landlord Tenant court records ; however, the XXXX credit bureaus show no public record items for me.
Consumer complaint received 2015-05-20
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC. (IN)

I keep getting threatening and rude phone calls from XXXX XXXX XXXX phone number XXXX regarding a debt I do not owe. They 've threatened to have me arrested, but refuse to send me a statement that I owe anything in the mail. They have my SS #, but wrong address.
Consumer complaint received 2015-08-26
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: LDF Holdings, LLC (PA)

The loan was for XXXX, I was charged XXXX monthly and they expected to collect payment for nearly a year! I could n't understand the woman on the phone when she explained the fees, I told her that but she kept pushing and finally just put it through. I did n't exactly agree, I just said I guess it was OK because I could n't hear what she was saying and she would n't give up, then she pushed me into direct withdraw from my bank even though I wanted to mail payments in.
Consumer complaint received 2015-08-06
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (TX)

On XXXX XXXX, 2015 my dog was attacked by another dog. As she was bleeding out in the middle of the night, I took her to the vet, but was not able to pay for the emergency surgery out of pocket. The vet had me apply for Care Credit, which covered {$500.00} of the expenses. I am now trying to pay my bill. I, understandably, was a bit distressed during the application process and do not remember my log in information. So, I have been trying to call the company at their published number of XXXX. When I call, all that happens is I am congratulated on being eligible for special offers, which I decline, only to be met with another offer and another and another until finally I am given another number. When I call that number, the ads begin again. I want to pay my bill. I do not want this to negatively affect my credit, but this company is obviously actively making that a very difficult thing to accomplish. I would appreciate if someone cracked down on them. They are obviously not legitimate and are making money off of emergency situations, then making it so difficult to pay a bill that they compound the payments owed by creating a situation in which consumers have no choice but to be late on their payments.
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BARCLAYS BANK DELAWARE (CA)

For no reason that they will tell me Barclays called me on XX/XX/2016 to ask for a copy of my social security card, drivers license, and a utility bill. Then before I could send anything closed my account anyways with no notice and no explanation. My credit is still over XXXX and I have never missed a payment to any creditor.
Consumer complaint received 2016-01-27
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: M&T BANK CORPORATION (NJ)

a certificate of deposit which I have left to automatically renew for over ten years recently went dormant. The only way I found out what happened was to ask the XXXX bank and trust why I did not receive the monthly statement. I think they should have notified me first. I understand there can be legal complications which arise from dormancy. Do n't think this should be allowed.
Consumer complaint received 2016-03-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (IL)

It appears Citibank is still up to it 's old dirty collection tricks. I used my Best buy credit card used issued by Citibank to make a purchase on XX/XX/XXXX the same day I was supposed to go on an XXXX trip. I discovered the same day that my SIM card would not fit the phone so I went to the trip without the phone. I came back to the US on XX/XX/XXXX and immediately returned the phone and placed an online order for the phone I truly wanted. The phone was shipped out on XX/XX/XXXX and I received on XX/XX/XXXX. In the meantime, Citibank had sent me a billing statement on XX/XX/XXXX for a bill due on XX/XX/XXXX. Since the phone was returned on XX/XX/XXXX, I did not owe them anything for XX/XX/XXXX. The next bill was generated on XX/XX/XXXX with a due date of XX/XX/XXXX. I have been getting phone calls morning, afternoon claiming my account was past due. I was told by the agent that the late fee they so loved to charge would be removed and he apologized the first time I spoke with someone but i keep getting calls as early XXXX and as late as XXXX. This company is terrible. You need to do something about them. While I do realize you have no real power I am lodging my formal compliant once again.