davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

There was identity theft used to open an account with fraudulent activity causing all of my Chase Accounts to be closed and my personal file to be hotlisted. I filed a claim to prove it with their department in which they sent me an unsigned confirmation letter that my claim was true, they still refuse to remove me off of the hotfile. They will not participate with the branch to the point that one department denied the letter was sent or issued while another department stated it was sent but not signed as was their protocol. At this point Chase has not acted in good faith. Despite being found innocent.
Consumer complaint received 2016-04-30
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (AZ)

My former husband and I took out a home equity line of credit, or XXXX mortgage, with Washington Mutual in XX/XX/XXXX. The interest rate was a variable rate of the Prime Rate plus 0 %, and the monthly payments were interest-only payments. We made these payments for years, on time, every month. With the financial crisis in XX/XX/XXXX-XX/XX/XXXX, Chase ( JPMorganChase ) apparently swallowed up Washington Mutual and took over our helc. Chase then cheated us by unilaterally changing our variable interest rate from Prime + 0 % to a fixed rate of 3.25 %. Chase billed us at this erroneous interest rate every month and we paid hundreds of dollars in interest to Chase every month throughout XX/XX/XXXX. I have all of the old statements. Because the Prime Rate has been at close to 0 % for much if not all of this time, we paid thousands of dollars to Chase over the years which we did not owe the company under the terms of our helc contract. I want a refund of all of this money. 
I believe that Chase is guilty of fraud, and that its employees are currently actively covering up this fraudulent act. I have brought this issue to Chase several times, only to be sent a copy of my contract, and to be told that they were researching the issue and would get back to me. I have received a letter this year, which is full of gobbledygook about my helc, and does not even address my complaint about this fraudulent change in the contract term. They will not refer me to their legal department ; they just engage in subterfuge. And they continued to bill me at the erroneous rate of 3.25 %, despite the clear evidence of the contract. Now they have raised the interest rate to 3.5 % fixed, again, completely unilaterally. I would guess that there were many Washington Mutual customers whose mortgages were altered by Chase, and that you have seen similar complaints before.
Consumer complaint received 2015-07-22
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (AZ)

Around XXXX 2005 My wife and I purchased a home in XXXX, az we put $ XXXX.down..The Mortgage Holder was XXXX shorty after that we received a letter from Chase that we qualify for an equity loan.. we wanted to remodel so we went in and talked a loan officer.. XXXX XXXX XXXX personal banker XXXX XXXX she told us that we qualify for {$17000.00} and it would be attached to our home with a interest only payment..we used the funds to remodel..we had the home for about 4 years.. then the economy went bad.. I had some medical problems could not work..the house went into foreclosure I was told by XXXX banks that the {$17000.00}. ( heloc ) would be included in the foreclosure..well it was not! I Went to chase to talk to them.. they told me that it was not legally collectable..however they have the right to refer it to the collection dept..and they have been harasing me for the last 5 years ... is this legal?
Consumer complaint received 2016-05-25
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (NJ)

I purchased on my Chase Visa card an unlimited private plane package from a company called XXXX. When I tried to make my first booking I was unable to get confirmation numbers. After repeated calls and emails to XXXX over the next 3 weeks, I emailed them as well as sent them a certified letter cancelling the service. This was due to the fact that they were unable to provide the service. I then disputed the charge with my credit card company Chase. I was denied, the reason being the item I purchased was non refundable. 
I then refiled with Chase private banking directly, stating the company was a fraud, had never provided service, so the dispute was for lack of service or services never received. Visa / Chase answer was denied to to Billing error, which was never my dispute. Chase said they would look into it. They then said the issue was, Visa made the determination and my dispute was with Visa. By this time I was proven correct when XXXX ceased operations and closed its doors. They just took the money and ran.. They took Millions of dollars and there is no government oversight or arrest being made to a company that steals people 's money and runs away.. 
I am out {$15000.00} plus accruing monthly interest payments.
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP (FL)

Servicer will not record loan modification documents with county clerk. Documents were executed on XXXX/XXXX/2015. I have told many times by the servicer the documents had been sent to county recorder on the same date ( XXXX/XXXX/2015 ). I have went to recorder 's office and called repeatedly, they have no record of receiving documents. Loan mod is not legal if not recorded. It has been over two months, there is no reason this should not have been completed in a timely manner.
Consumer complaint received 2017-01-19
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Fleet Financial, Inc. (TX)

In XXXX XXXX I refinance XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I refinanced thru a different Credit Union. I emailed and called to cancellation of my Gap Insurance for a refund. I am still awaiting my cancellation form to cancel for my refund. I cancel my XXXX refinance and Fleet Finance agree to cancel but have yet to send XXXX XXXX XXXX it money back for cancellation.
Consumer complaint received 2016-10-12
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (HI)

Wells Fargo Bank 's attorney XXXX used fraud to push through a settlement agreement that was not jointly drafted and an agreement I never agreed to, as evidenced by his signature on the attached settlement agreement that does not include my signature. 
The statement that, " This Agreement isentered into and executed voluntarilyby each of the Settling Parties hereto andwithout any duress or undue influenceon the part of, or on behalf of, any such party '' which was signed by Wells Fargo and their respective attorney XXXX or XXXX is a false claim. 
Please see the attached executed settlement agreement without my signature, and my Opening Brief asking the XXXX for a ruling on fraud, and the environmental report establishing further remediation is necessary. 
XXXX assisted fraud is still fraud, and XXXX also failed to comply with the terms of the written agreement that they themselves drafted following the settlement conference. To be clear, I have never been paid any settlement fund proceeds by Wells Fargo Bank, and I did not jointly draft or agree to the settlement agreement attached. Their fraudulent acts left me in a contaminated living environment that is injuring my health as evidenced by the environmental report attached.
Consumer complaint received 2017-03-04
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to report about how Chase credit card over charged me to make unethical profit by not sending payment alert email and using the balance as the late fee charge. Chase credit card makes the late fee charge very tricky. and take advantage of consumers who have busy schedule and have no ability to understand their complicated statement and policy and never send an alert email regarding payment due. As I logged in my chase credit card because of other issues one day after the due day, I found the big late fee charge and contacted them and informed I would paid full balance today and asked them to reverse the late fee charge. They made the statement complicated and not friendly easy, therefore I spent a lot of time understanding it. Thought I still dont understand it, I have no choice but pay the full balance +big late fee charge. But I believe it is unfair to treat consumers in a tricky way since their policy and statements are complicated and never send alert email to consumer to remind them regarding due day and never explain late fee policy.
Consumer complaint received 2016-12-02
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (MA)

Chase card fraudulent late fees : In XX/XX/XXXX chase charged my account {$150.00} and XX/XX/XXXX so far {$270.00} late fees All payments were made on the due date after XXXX pm. Chase phone payments ( automated payment system XXXX rolled the payments over to the next day then charged late fees. 
The bank was making more in late fees than interest which were respectively {$140.00} and so far XXXX for XX/XX/XXXX. 
When I call, they say it 's automatic they can not undo it although its wrong
Consumer complaint received 2015-09-17
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (IN)

son took out home equity loan, I signed as a grantor to use my house as collateral. I have NO mortgage. Son died. Loan is ONLY in his name, I was turned down for food stamps because they do n't see that I 'm still having to pay on dead sons loan. I live on SS and loan comes only in his name at XXXX a month. Indiana offered hardship loan of {$30000.00} to Chase bank but needed assumption letter with my name on it. Chase refused stating they only do that for mortgages. I applied for my own loan just so I could lower payments, even with a credit score of XXXX they turned me down. I 'm XXXX yrs old. I do n't see how this is legal banking practices. I need help.
Consumer complaint received 2016-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (IL)

I went XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX I never applied for loans directly Somehow they applied for some loans that I 'm not aware of Now I owe money that I do n't know about
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

On XX/XX/2018 I disputed 2 accounts with Equifax XXXX XXXX XXXX XXXX, XXXX XXXX and asked for validation of alleged debt. The agency wrote back that it was verified and didn't provide me with proper documentation of validation, On XX/XX/2018 I requested validation again to no response, on XX/XX/2018 I requested documents again to no response from the Credit Reporting Agency.
Consumer complaint received 2015-10-07
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

Shortly after filing Case number : XXXX with the CFPB Citi closed my credit card account. Prior to this time that had cut off my online access and would not allow me online access to pay my bill or review my account. I now no longer have access to any of my card history.
Consumer complaint received 2016-05-04
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: ALCOVA MORTGAGE LLC (GA)

ALCOVA Mortgage, LLC XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX I have been working with Alcova mortgage in XXXX since the beginning of XXXX on the purchase of a home. I was prequalified in XXXX and assured on several occasions that I did qualify for that amount. I went under contract in mid XXXX, nothing was done on my file until the end of XXXX. The process ended up being drug out for 60 days and still no clear answer as to why the loan had not closed. During this 60 days of being under contract, I followed up daily, half the time you could n't get in touch with the loan officers and when I did, I was just fed lie after lie, excuse upon excuse. I did n't really know what was going on until almost XXXX60 days in, when they tell me they are having problems getting an approval from the underwriter. Now I have lost my earnest money and money I spent on an appraisal. Never the less the were very nonchalant about the whole matter. Not caring that I lost money, time, missed out on purchasing a home that I loved. A broker referred me to them. Much to my regret
Consumer complaint received 2016-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: GREAT LAKES (MA)

The company at hand is named called Great Lakes loans, which are servicing my federal direct student loans. They have bundled my student loans, which makes it impossible to be sure what the pay off amount is for an individual " account '', and you must contact them by phone. I did this and received the pay-off amount from the company representative verbally. 

I paid the amount the representative instructed to me immediately after the call. The representative, by any reasonable assumption would assume that I would pay that amount, did not disclose that more interest would be added during the short processing period Great Lakes has. Thus, interest will was added during the period which prevented the loan from being paid off with the very " pay off '' amount provided by the loan servicing agency.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Genesis Lending (NC)

I went to XXXX in XXXX, VA. I was a XXXX student. I feel that the loan should be wiped away because the school did not give me what was paid for. For the first 2 months we did not have a teacher. When we got her she was great. The software that was supposed to go with our classes never did work not even XXXX day. The transcription class was not taught. Did n't even open the book we paid for.
Consumer complaint received 2016-09-14
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CO)

In 2013 we finally, after almost 5 years, got a modification from Chase Bank. During that period we were regularly sent letters basically threatening us with foreclosure and put us through several trials. After receiving the modification, we were told by our representative that we would have a 2 %, {$230000.00}, 40 year modified mortgage. I ask several times if that was without any charges and XXXX XXXX said absolutely. I asked for a copy to be sent email, or fax, but he said he could n't do that and we would have to wait for the final papers. 
Upon receiving those papers we were shocked to XXXX an added on charge upon the sale of our home, or at the end of the mortgage, of {$89000.00}! They never explained the charge and we had a choice of sending the papers back within 10 days, or losing the loan. After all the stress and fear of the preceding years of not getting a loan, we signed the papers. Chase scammed us, knowing we would be afraid not to sign. 
Our desired resolution is to have the {$89000.00} waived. XXXX XXXX was the representative involved in our modification.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (GA)

XX/XX/2015, Amazon applied for a Chase Credit card without my permission, including all of my personal details including my social security number. Amazon had no business with my SSN, and I never gave them my SSN, much less gave them permission to divulge my personal information to ANY third party. 
By turning down this credit application both Chase and Amazon have negatively affected my credit, and both point at each other.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Upgrade, Inc. (CA)

On or about XX/XX/2022 I had Fraud occur on two accounts : XXXX  checking account and Upgrade card I received refund from XXXX immediately. The money was withdrawn from my XXXX  account via a cash tranfser from upgrade. The money transferred to Upgrade was then transferred to an unknown account. 
XXXX determined to take funds back. They said that I would stand to benefit financially. I then went upgrade and asked for the defrauded finds back. They have yet to comply or answer or reply to my email and phone inquiries. XXXX is getting inpatient Please help me get my funds back. 
The Upgrade account is in question if I set it up ( enrolled ) or was fraudulently set up. Either way It was my money from XXXX. The upgrade account was in good standing with upgrade until incident. 

These are the data points I have for upgrade ; Case No : XXXX Account No : XXXX Account No : XXXX ( XXXX ) XXXX
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

I would like Scottrade to fully and responsively address my other complaints instead of providing generic responses that allegedly relate to the XXXX XXXX, 2013, letter. Indeed, a number of the concerns I raised are wholly new issues and not addressed in the XXXX XXXX, 2013 letter, thus Scottrade 's boilerplate use of previous correspondence for materially new disputes is inappropriate.
Consumer complaint received 2017-02-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (KY)

Citibank 's Distressed Loan Department advised me to hold off seeking a loan modification for my second mortgage until my first mortgage holder ( XXXX XXXX ) had granted my modification request. Despite regular communications with Citi personnel, my loan was recently " written off '' with no warning, and turned over for collection to XXXX XXXX, which I am now being told prevents me from seeking a loan modification. I seek the reinstatement of my Citi loan so that I can file and complete the modification process.
Consumer complaint received 2015-03-27
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

I have a citibank credit card which has a balance with no interest. Due to XXXX I was late with XXXX payment, so to avoid this happening again I set up the amount of {$60.00} to come out of my bank account I used the amount {$60.00} as directed by a staff member as the amount should not go up due to no interest. 
I then this month noted I was being charged a late fee of {$35.00} Turns out the minimum balance that month was {$67.00} I called the bank to explain the situation and was told there was nothing they could do to take the {$35.00} off. So i was charged {$35.00} for a missing {$7.00} this is robbery.. How can they be allowed to do this for a missing $ XXXX explained XXXX times to the representative but he would not adjust the statementA late fee should be if you missed the payment not if you made most of the payment and contacted the company. I was made to feel like a terrible person. 
I tried to keep calm but did become angryAll i am asking is for the late fee to be adjusted, I have been a good customer. 
I will be cancelling the accountThank you
Consumer complaint received 2015-05-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (HI)

I am a XXXX required to use my Government XXXX Card for travel. I was erroneously charged {$130.00} on XX/XX/XXXX by XXXX XXXX XXXX which provides hotel services on XXXX XXXX. I have stayed at their facility in the past, but I was in XXXX on orders on XX/XX/XXXX and had no plans or travel to XXXX XXXX. In XX/XX/XXXX, I went on official travel and paid my bill including the erroneous {$130.00}. When I noticed the erroneous charge I called Citibank to have it reversed. I saw a credit on bill and waited for a check. When I followed up I was told that my credit was reversed because I did not submit a form. They said they sent me a letter telling me about the form. I never received the letter. While I was on the phone they said they would email me the form, the form never arrived. Then the representative directed me to a website where I was able to download the form. I submitted it and my claim was denied because too much time had passed. I called customer service who referred me to the appeals department where I explained that my claim had been opened for months. Eventually she credited me the {$130.00} and that money was direct deposited to my bank. On XX/XX/XXXX I received a bill from Citibank saying I now owed them {$130.00}!!! They said they reversed my credit because they have been able to get a hold of XXXX XXXX XXXX. They said it was my responsibility to get the erroneous charge reversed! I did not make the charge. I am being scammed.