davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-11
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (AZ)

I reached a settlement amount with my lender for 70 % of the balance on XXXX of my private loans. After mailing a cashier 's check for this amount in the requested time frame, my lender incorrectly applied the check to the wrong account. I spoke with the manager several times regarding this, and the amount was finally applied to the correct account. However, now my account ( which should be paid-in-full due to the settlement ) states I have a balance remaining for the rest of the loan. I have contacted the manager again to discuss this issue and request that my account be updated to reflect the settlement. Prior to receiving my payment I was being contacted daily, though now the manager has not returned my call to discuss and resolve this issue.
Consumer complaint received 2016-12-15
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Colony Brands, Inc. (OH)

They began calling me on XXXX/XXXX/XXXX for a past due first payment. My bill showed XXXX/XXXX/XXXX as the due date. When I received my 2nd bill on XXXX/XXXX/XXXX the due date said XXXX/XXXX/XXXX. So I called asking why my due date was ( a ) changed & ( b ) why I was not notified. The rep said she could not answer those questions. Her name was XXXX. I need to know when my bills are due in order to make timely payments. Montgomery Ward should not be allowed to do this arbitrarily.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MO)

I have been struggling to make payments so last year I tried filing for repayment plan based on income which was n't successful. I have been making the monthly payments now for a year but they havent made a dent if anything my loans are increasing this has been going on now for 8 years
Consumer complaint received 2015-12-10
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

I conducted a {$950.00} cash advance at a local XXXX Bank using my Chase Debit Card. 
I looked at my account and saw a fee for {$28.00}. I called Chase '' XXXX telephone banking to inquiry and I was told that is the fee for doing a cash advance. 

My response to this info was I can understand if I was in another country conducting this transaction but for me to get charged that fee in my hometown domestically is ludicrous. 

I went on to asked who can I speak to to have this fee refunded, waived or removed the telephone banking rep told me " no one '' I asked to speak with a supervisor and XXXX continued to deflect and not get a manager on the phone. Evenutally I was put on hold and upon his return he advised me that he spoke with a supervisor and he has been given the govahead to waived the fee but he was XXXX the account so that no other fees will be refunded. 

My compaint is this is extremely absorbant. The maximum someone can take from an ATM is {$500.00} per day. To be charged a 3 % regardless if it is disclosed in a brochure issued years ago when the account was open is mind blowing. 

I can understand a {$5.00} or something but 3 % that is criminal and unethical.
Consumer complaint received 2015-10-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

i have a 30yr fixed rate loan with chase home fiance for the longest time i was paying XXXX dollars. then for some reason it became XXXX now i have recevieved my escrow and they have informed me my new payment is XXXX i sighed a 30 year fixed rate why is this happening i can not afford this i am a recent XXXX and on XXXX can someone please help me with this i dont want to lose my home
Consumer complaint received 2015-07-07
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (OR)

I was unhappy with Chase Bank that someone did not come and pick up me bringing to Chase Bank at XXXX XXXX XXXX last few days ago. I told you for many times that I can not alone filled out applicants on Chase Bank because of they will declined my checking/debit/credit.. I did not get bonus money {$750.00} for Chase Bank that I had many horrible disappointed that I did not get {$750.00}. I can not using telephone & videophone call Chase Bank. I ca n't accept making a call Chase Bank and i do not want fill out online applicant, so I want a live person meets with me into applying Chase Bank online while escort care team work what I want meeting with male in highest position as what I wanted in XXXX, XXXX as Chase Bank did not bring me to XXXX, XXXX or other location, that I need getting out of town immediate action as I need someone gets acquaint with me in horrible complaints since 1990 to presents. Tell Chase Bank that I was not happy with XXXX XXXX XXXX issues. Please show sad icons on check from XXXX XXXX XXXX released notification to Speaker XXXX XXXX when Chase Bank male official with Chase Bank takes my XXXX XXXX XXXX check with sad icons to XXXX at formal charging requests forward to XXXX XXXX XXXX and others. show Psychologist doctor takes look at what wrong with meet on my sad icons on rent check. I do not allow calling out to Chase Bank or any bank PLEASE BRING ME TO XXXX XXXX XXXX AT FORMAL REQUESTS : I do not like XXXX XXXX XXXX & U.S. Department of Housing Urban Development.involved with Chase Bank, XXXX, XXXX XXXX XXXX, and other bank must be notified to XXXX XXXX XXXX as in addition, tell XXXX XXXX that I do not like U.S. Department of Housing Urban Development. I was unhappy with unfit resident of XXXX continually in increased complaint notification to Speaker XXXX XXXX at formal requests both all of above comments must forward to male official with Chase Bank that he can takes care of my complaint issues to XXXX at formal charging requests. Bring me to XXXX or other location under Chase Bank requirement! 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2016-11-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

A month ago I was looking to go back to work. I was emailed by a " foreign company '' asking me to fill out an employment application online because they wanted to hire me for a purchasing position. I filled out the application and the next day they said they wanted to hire me and have me start right away, however, they needed time to issue me a company credit card and so wanted me to use my credit cards to begin purchasing products and sending them to their customers. They would give me account information which would allow me to transfer money onto my credit cards and after the money had posted they wanted me to purchase items and send them to clients. After about XXXX weeks I started noticing that the wire transfers that I had made were being sent back to the banks and the reason given was, " no authorization '' for transfers. I did n't even know the credit cards companies could send the money back without talking to me first so I immediately went to both credit cards and asked them to shut down the accounts and not send any of the transfers back because these people had the merchandise that I purchased for them. Over and over all the credit card companies would tell me is that they had never heard of anything like this and after XXXX hours on the phone, and multiple insults with XXXX credit card company they did finally copitulate and shut down the account so that no further funds could be sent back, however, the other credit card company would not do anything to help me no matter who I spoke with. I did file a report with my local law enforcement agency and the FBI but that did n't matter to the credit card company. I now have to payback a healthy amount to that credit card company and I am not getting any direction from local law enforcement or the FBI so I do n't know how long I can keep the other credit card company from unlocking my account and sending the funds back to the scammers. The other credit card company who sent all the funds back wo n't see this as a scam ( because they have never heard of a situation like this ) and on top of the many insults I have had to endure from them, I will have no choice but to pay the money back and will not be able to utilize my credit card while I am doing so.
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NJ)

XXXX billed us $ XXXX/month for unauthorized Internet access. [ We thought our son on the West Coast had ordered service. ] When we requested by phone and email an explanation from XXXX, they apologized, soothed, evaded, and finally stonewalled us. 
We then learned from Senate subcommittee testimony that XXXX had bought information from other companies, then submitted unauthorized charged to credit card companies, in this case Chase Credit Card Services 's Visa. 
We also learned from the same hearings that Chase routinely violated its own internal policies by posting unauthorized charges from third parties. And that XXXX topped their list of third companies with the most disputed charges. 
When president of Chase Visa in XXXX, DE was contacted by mail, he through a subordinate dismissed every complaint. 
Chase not only continued to bill the disputed charges, but reneged on a refund of our recently renewed membership fee, and despite 15 years of on time payments never cleared our resulting " delinquency '' with credit reporting agencies. 
As our claim was XXXX ; {$1000.00} and the Visa balance, " late fees, and penalties '' totaled XXXX ; {$300.00}, Chase knew no lawyer would take our case. Multiplied thousands of times, such actions generated millions of dollars for XXXX and Chase. They also boosted stock prices and executive bonuses. 
In effect both XXXX and Chase Visa simply stole money, because they knew they could. Electronic muggings by the Too Big to Fail. Or prosecute. 
Moral of the story : Scrutinize every charge from every account every month, then question unrecognized ones immediately. And vote out politicians who let XXXX XXXX write the laws.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (TX)

Chase has been sending me emails titled " View your updated XXXX Score for my credit accounts ending in XXXX, XXXX, and XXXX. I have called and emailed Chase many times asking to remove my email from their distribution lists and I have emphasized many times to receive all communications via XXXX. mail. I received XXXX letters dated XXXX XXXX 2015 explaining I will not receive any future emails from Chase. However Chase continued to send me emails and disregarded my preferences. I emailed and called again and received responses stating that by law I must be informed about products and services and changes associated with my account. If the law requires that I am informed about products and services to my credit accounts, then it needs to be communicated via XXXX mail. I know the law does not require that those notifications be sent via email. I prefer to receive all communications from Chase via XXXX mail. After I filed a complaint with the Office of the Comptroller of the Currency I was assured in a letter from XXXX XXXX dated XXXX/XXXX/2015 from Chase Executive Office that I would not receive emails from Chase. However I have received emails dated XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 soliciting me to View my XXXX score through my credit card accounts ending in XXXX, XXXX, and XXXX. Chase lied to me in a letter and has disregarded my preferences. I seems as if Chase does not want to spend the money on postage and paper and has purposely decided to disregard my preferences as a customer. I have received letters from Chase card services and the Executive Office ( XXXX XXXX XXXX stating that I will no longer receive emails from Chase, However they are still doing it. I am reporting this so that the Consumer Financial Protection Bureau is aware that Chase blatantly lies to customers and purposely violates consumer preferences and privacy rights. At this point I believe my only option is legal action because Chase has purposely ignored my preferences. I am sure other customers are having the same issues.
Consumer complaint received 2016-08-16
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (IL)

JP Morgan Chase Bank, Chase Home Finance LLC and XXXX XXXX XXXX, XXXX. ( Attorney for Creditor ) Filed False Claims XXXX XXXX XXXX. XXXX ( XXXX ) in the United States XXXX XXXX XXXX XXXX XXXX Illinois XXXX and the XXXX Court for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois. In the United States XXXX XXXX XXXX XXXX of Illinois XXXX XXXX XXXX and XXXX, XXXX. attorney, XXXX XXXX XXXX, XXXX # XXXX, mailed a notice of a Motion to Modify the Automatic Stay on XXXX XXXX, XXXX, and XXXX and XXXX, XXXX. attorney, XXXX XXXX XXXX, XXXX # XXXX obtained an Order Modifying Stay on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, XXXX and XXXX, XXXX. attorney, XXXX XXXX, XXXX # XXXX, filed a sale pursuant to Judgement of Foreclosure in the XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois on XXXX XXXX, XXXX. 

While under Chapter XXXX Bankruptcy Protection, Chase Home Finance , LLC and its successors and assigns and XXXX made false claims that they were the " Creditor '' servicing the first mortgage lien and obtained an " Order Modifying Stay '' on XXXX XXXX, XXXX by XXXX attorney, XXXX XXXX XXXX, XXXX # XXXX. 
JPMorgan Chase & Co., JPMorgan Chase Bank , N.A . letter dated XXXX XXXX, XXXX stated that XXXX XXXX XXXX was the Servicer at the time JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX made the false claim. 
After JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX made the false claim in the United States XXXX Illinois XXXX, XXXX and XXXX, XXXX. attorney, XXXX XXXX, XXXX # XXXX, proceeded to file a sale pursuant to Judgement of Foreclosure on XXXX XXXX, XXXX in the XXXX Court for the XXXX XXXX XXXX XXXX XXXX - XXXX, Illinois with a sale or auction by the XXXX XXXX XXXX on XXXX XXXX, XXXX at XXXX XXXX. 

JPMorgan Chase Bank, N.A, and Chase Home Finance , LLC and XXXX claim in the United States XXXX XXXX XXXX XXXX XXXX Illinois XXXX was factually untrue at the time the claim was made. 

XXXX. False Claims -- XXXX XXXX XXXX XXXX XXXX ) Subsection ( XXXX ) of Section XXXX sets out the offense of filing a false bankruptcy claim. A " claim '' is a document filed in a bankruptcy proceeding by a creditor of the debtor. It is sometimes also called a " proof of claim. '' For the purposes of this section the nature of the claim is immaterial -- i.e., the claim can be secured or unsecured, liquidated or unliquidated, disputed or undisputed. A " false '' claim is XXXX that is known by the creditor to be factually untrue at the time the claim is filed. 

Subsection ( XXXX ) provides : A person who ... knowingly and fraudulently presents any false claim for proof against the estate of a debtor, or uses any such claim in any case under title XXXX, in a personal capacity or as or through an agent, proxy, or attorney ; ... shall be fined ..., imprisoned ..., or both.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

My PayPal account was closed because of some activity on my account. Paypal said they will hold my money for XXXX days. That was XXXX year ago. Paypal keeps telling me it is under investigation. I keep calling and they tell me the same thing. I would like PayPal to release my funds. PayPal is basically stealing from me.
Consumer complaint received 2016-06-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (NY)

My servicer Nelnet is taking any loan payment I make in excess of monthly accrued interest and applying it to the principal of the loan with the lowest interest rate ( lender friendly result ). I asked them to change this and they said I can not since I 'm on an IBR plan. This seems predatory to me.
Consumer complaint received 2016-12-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (LA)

Contractor performed an unauthorized debit/draw without my permission for {$2400.00}. Fraudulent claim was submitted to Chase Bank. Police report was made. Pictures of work unfinished were submitted. Copy of contract was emailed to Branch Manager. Initial payment of {$1100.00} was agreed to be paid by me. Contractor did not complete work as agreed per contract. Contractor debited my account for {$2400.00} additionally at a later date without my authorization. Chase Bank awarded Construction company the full {$2400.00} after their investigation. Was told by local law enforcement that this is a civil matter. Bank has no right to allow a charge on my debit card without my authorization. The construction company was only owed {$1100.00} if work was completed. Work was not completed as per the contract.
Consumer complaint received 2016-08-22
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (UT)

I paid my payment for this month. You guys applied it to last month. I am upset as I do not get until the beginning of next month. I have written my complaint via the email system on chase.com. I do not know what to do and I did not ask you to apply for last month. I ask for you to apply my money as defined by me. I do not want to have issues, and this is very annoying to me. 

Also XXXX XXXX has not paid me yet for my dispute. I would like to reopen the dispute I also got my leasing agreement to show I did not need his services. Please let me know my options.
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (PA)

I applied for a cash-out refinance through JPMorgan Chase on XXXX/XXXX/XXXX. My conversation was always a cash-out refinance based on what I could do in relation to the Loan to Value. My credit was run and I was provided a loan estimate at 3.625 % interest with XXXX points and {$640.00} in Origination Charges and showing a rate lock until XXXX/XXXX/XXXX. I was told to provide documentation which I sent via their web portal which would not upload, so I faxed documents and finally mail delivery. The Loan Officer confirmed my loan was in underwriting. On XXXX/XXXX/XXXX I received a loan estimate in the mail at the same interest rate but 1.5 % points in Origination Charges plus the {$640.00} previously mentioned with a rate lock expiring on the same date XXXX/XXXX/XXXX. I also received a corresponding rate lock agreement but it did not match the Loan Estimate as it reflected a 3.625 % interest rate but only .5 % point Origination Charge. I asked to speak to a Manager as nothing adds up and this is not what we agreed upon but after emails and calls, I did not have a valid explanation. On XXXX/XXXX/XXXX, I receive another Loan Estimate showing my loan amount has been increased by approximately {$46000.00} in addition to the 1.5 % origination points still being charged. I contacted the Loan Officer after receiving this and she informs me I did not get my documentation in on time so they cancelled my rate lock and that is why 1.5 % points are being charged and I must sign the rate lock agreement or risk further rate adjustments. I signed it on XXXX/XXXX/XXXX not knowing what else to do. This is one month after I provided what was asked of me with their claim being they did not receive it in time which is a flat out lie to cover repeated missteps on their part. I received a call yesterday XXXX/XXXX/XXXX, stating that now there will be XXXX points charged on my loan because I am subject to worst case pricing, whatever that means, for which the Loan Officer could not explain and the Manager still will not return my calls to explain why. She should not be licensed if she can not explain this to the consumer. I have yet to receive the Loan Estimate for this change. JPMorgan Chase and their representatives have had the scenario ; my financials and my credit score for almost 2 months plus the appraisal came in {$75000.00} higher than where we anticipated it so they can not claim the Loan to Value was higher so the fees changed. I feel clearly this is the type of banking behavior that Dodd-Frank was supposed to protect consumers against and that this is complete misrepresentation and bait and switch tactics so this is the purpose of this complaint. Thank you for looking into this matter. The Loan Officer is XXXX XXXX XXXX XXXX and the Manger XXXX XXXX XXXX XXXX XXXX. Respectfully, XXXX XXXX XXXX.
Consumer complaint received 2016-05-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: JPMORGAN CHASE & CO. (NY)

I defaulted on my loan and could n't make the {$400.00} a month payments they wanted me to and now they are harassing me. For instance, they called my brother 8 times one day up to XXXX at night, but they were n't calling me. They wo n't negotiate with me and tell me I owe everything at once, {$19000.00}. I could afford to pay $ XXXX {$150.00} a month, but not {$400.00}.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I am having a problem with Chase Bank regarding a credit card. This item is being reported negatively on my credit reports as a charge off which is causing me to be denied credit. On XXXX XXXX, 2016 I sent a letter to Chase Bank disputing this debt and asking for validation that I had a contractual obligation with their company. I have attached the letter for which they signed for on XXXX XXXX, 2016. Chase has not been able to provide any documentation to validate this debt. I have also filed a complaint with the CFPB since Chase can not provide proof I entered into any contract with them and have been waiting over 30 days for a response.. In addition, Chase Bank violated the Fair Credit Reporting Act because they failed to notify the Credit Reporting Agencies that this item was in dispute. I have attached a credit reports showing the item has not been marked disputed by XXXX XXXX or XXXX XXXX, 2016 As per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ XXXX XXXX. XXXX ] ( XXXX ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 
XXXX Time of Notice XXXX The notice required under subparagraph XXXX shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section XXXX. 
Chase Bank never reported to the Credit Bureaus that this account was in dispute and definitely did n't do it within the required 30 days. 
Chase bank can not provide validation of the debt and they are violating Federal Law by not providing the credit bureaus with proper information.