davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-10
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Obtained a safe deposit box at the Chase Bank appx XXXX ago. The Chase Bank is on XXXX XXXX in XXXX, CA and was a Washington Mutual Bank at the time of opening the box. I was provided a free box with a permanent waiver due to program running at that time. In appx late XXXX I came in and spoke with the manager of that location at the time ( his name was XXXX XXXX ) and stated that I was moving to XXXX area ( 2.5hrs from XXXX ) and having a safe box in XXXX did not make logistical sense for me. He said that would be no problem and that he " took care of it ''. I provided him the XXXX keys and then he and another associate locked them up. Beginning XXXX I began getting safe deposit box letters about my annual renewals after previously getting nothing about it since closing it down. It still shows that my box is open and while it is still also showing the box as an annual fee waiver I am concerned as I do not have the keys due to turning them in and am afraid this box is still open under my name without my approval. I attempted to reach out to an associate at this location and was told that they show in their " records '' that I still have the keys in my possession and that the only way to take it out of my name would be have it drilled at my expense of over {$200.00}. I explained what took place with closing the box in XXXX to which the reply was " that was 8yrs ago, you do n't have any proof of that happening ''. 

I placed my trust in the a person chosen by the bank to manage the entire location and am not being told to close out I have to pay a fee for his lack of responsibility. I feel that this has been a bait and switch tactic in order to collect non-interest income for a bank that is struggling to replace fee income lost due to overdraft fee changes in the banking climate. While {$200.00} is small potatoes to a place like Chase, it is a huge fee for me and those happening multiple times to hundreds of people over a footprint can add up to strong revenue additions. I have attempted to reach the current manager of this location but she is never available to speak. The most recent attempts were on XXXX/XXXX/XXXX to which I was told " she is on vacation all week '' which was told to me after identifying who I was and why I was calling. I did not believe this to be true, so I called again on XXXX/XXXX/XXXX and this new person said " she is out sick today '' but he did confirm she would be in on XXXX/XXXX/XXXX. I called on XXXX/XXXX/XXXX and was told this is her " scheduled day off ''. I feel bullied by this location and refuse to pay a fee to help cover a prior managers irresponsible actions. Furthermore, I have made ample efforts to contact the location with no success. I would think this bank would want to get this box out of my name given I pay nothing for it so they can rent it out to someone and collect annual rent.
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (LA)

My husband and I opened a Chase Premier Plus joint savings and checking account in XXXX XXXX. At that time, we were informed that if we had more than {$15000.00} in all our accounts, we would not be charged a monthly service fee. Chase 's website says the same thing : " $ XXXX Monthly Service Fee, waived with one of the following each monthly statement period : An average daily balance of {$15000.00} or more in any combination of qualifying linked deposits1/investments2 OR, automatic payments to your qualifying linked Chase first mortgage from your Chase account3 '' In explaining footnote 1, Chase 's website says the following : " 1Qualifying personal deposits include : this checking account and up to XXXX personal Chase checking accounts ( excluding Chase Premier Platinum Checking and Chase Private Client CheckingSM ) ; personal Chase savings accounts ( excluding Chase Private Client SavingsSM ), Chase Liquid ( R ) Cards, CDs, certain Chase Retirement CDs, or certain Chase Retirement Money Market Accounts ( balances in Chase Money Purchase Pension and Profit Sharing Plans do not qualify ). '' In XXXX and XXXX of XXXX, I was charged a monthly service fee despite having well over the {$15000.00} threshold in our joint savings account. I called Chase and the representative there said it was a mistake, that my checking account qualified and refunded both service fees. However, I was again charged a monthly service fee in XXXX of XXXX. When I called Chase again, they informed me that only XXXX checking account could be linked, hence why I was being charged the monthly fee. However, this runs contrary to what we were told when we signed up for the account and what is written on their website.
Consumer complaint received 2016-07-12
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (GA)

Dear Sir/Madam, JPMorgan Chase credit card is holding me responsible for the for the fraudulent charges. 
I really do not understand that why bank 's fraud department is holding me responsible for these charges and how come do they expect me to pay {$39000.00} which I never used and I should not be responsible for these charges. 

There is a clear evidence that these charges are fraudulent 1. Signature does not match on the sales draft from merchant. 
2. Why bank did approve large transaction for XXXX USD without any authorization from customer when transaction occurred outside USA? 
3. Bank 's fraud department must notify me either by email/phone/text for such a large transaction. I have not received any indication for these charges. I come to know when I checked my statement online after arriving to the USA. 
4. Do you think merchant should do their due diligence? they should check address on the driving license ( see attached ) when they are selling product. 
5. This is not my normal spending habit since I opened the card since 2011 6. Why chase credit card did not send any text alerts/email for such a large transaction? 
7. Why bank is not holding merchant responsible for these fraudulent charges? Merchant should check when he is selling {$220000.00} goods to the consumer. 
8. Fraud department had enough evidence which does confirm that I did not make these transactions. However, Chase bank is still holding me responsible for these fraudulent charges? Why?
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (IL)

I have an XXXX XXXX business card with Chase. My annual fee was coming due in XXXX. Since this is my biggest spending card with Chase, in late XXXX, I called to find out if there were any retention offers on the account. I was told by a customer service representative that they would waive the {$95.00} annual fee if I kept the card open but that he could only process it after the annual fee posted and told me to call back. Today, XXXX XXXX, I called again only to be told that there were no retention offers on my card and that the annual fee would not be waived.
Consumer complaint received 2015-04-02
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

Hello, Chase is the XXXX lien holder for this file. The offer was made and present in XXXX 2014. In the process of Chase reviewing the file for XXXX lien approval, I was able to obtain XXXX lien approval and it has already expired. I have a log which shows how Chase has continued to delay this file. 
XXXX - package sent via faxXXXX- 72 hours to be assigned to XXXX -activated for short sale, assigned processor, set up in XXXXXXXX- UPLOADED OFFER AND SUPPORTING DOCS TASK COMPLETED. 
XXXX req status of short sale from neg via XXXX - req updated bank statements, paystubs and bpreapplXXXX- req updated b preappl - GETTING COND XXXX req lox for condional appl, req updated XXXX bank satements from s, uploaded otherdocs to eq and sent message to XXXX uploaded bpappl, and XXXX bank to library - sent message to neg that they were added. 
XXXX rq status via eq - pending bpo and then to qc for reviewXXXX- req status via XXXX - req status via XXXX req status via XXXX in with investor for XXXX processor assigned, if anything needed they will ask, otherwise it will be asinged to neg. 
XXXX -- XXXX we are waiting for a negotiator to be assigned, all the docs that we received on XXXX are uploaded and in the file library. She was going to message the processor on the file to let them know that we need to get this moving since we have the XXXX mortgage approval. 
XXXX reached out to XXXX reached out to manager again. all tasks completed, not sure what the holdup XXXX - uploaded XXXX - sent request for status.. 
XXXX - internal em sent to neg/susp. 
XXXX sent message in XXXX - need buyer XXXX - uploaded buyer POF, requested status and XXXX - sent reqeust for status in XXXX resent buyer POF, lender ordering XXXX - several does NEEDED from XXXX but buyer is threatening to cancelling the deal
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MA)

Chase financial holds my mgt@6.75 for 10 yrs. Advises me to stop paying for 3 months. Then they might be able to help.? It is not a federally backed loan, also a problem. I have never been late. This house is my livelihood. Can you help at all. IV tried everyone else, your the last ones. Thank you. XXXX XXXX
Consumer complaint received 2015-11-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: STERLING JEWELERS, INC. (CA)

The collector said that, " You people fought for your rights XXXX. '' people meaning XXXX people. I told him to send me everything in writing and he said, " I 'm not going to write you, I 'm not your pen pal. '' He has called my wife at her place of work and was verbally aggressive. 
This has nothing to do with her. She has also advised him not to call her anymore.
Consumer complaint received 2016-12-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SUNTRUST BANKS, INC. (FL)

I filed a complaint aganist Suntrust bank in XXXX 2016. Money was missing from my bank account XXXX I went through the fraud dept and filed a case it was denied at that time I requested all documents from Suntrust that led to they denying my case. I never received the documents. I filed a rebuttal for the denial of my case, suntrust had 45 days to return a decision, on day 60 I called them no new notes were in the system then a week later they send another denial letter. I again ask for documents that explain why i was denied and documents that support why i was denied. I got the same blank form i got when i filed the fraud case. Finally I reported Suntrust to consumer finance dept. they opened a case Suntrust replied to Consumer Fiance I again ask for my documents and to this day I have never got the documents from Suntrust that show how they came to deny me. Please help me get these documents they took my money I am XXXX and this is so wrong on all levels.
Consumer complaint received 2016-08-27
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (PA)

I used my Chase debit/ATM card in XXXX to withdraw cash in local currency XXXX XXXX XXXX. Upon returning, I discovered that Chase charges three percent ( 3 % ) of the withdrawal amount as a fee surcharge. This is on top of whatever Chase is making on the exchange rate. I do not begrudge a bank making money. But three percent ( 3 % ) is outrageous. There should be a warning when you make an overseas withdrawal that you will be charged three percent by Chase. This would allow the consumer to decline the transaction and avoid the fee. When I called Chase to complain, they told me that the 3 % fee was in the credit card service agreement and they were unwilling to reverse these charges. The only reason not to warn the customer is to hide or obscure this fee because almost no one would pay it were they aware of it before incurring it. The technology exists to advise the customer of this fee in real time on the screen as the withdrawal is in progress.
Consumer complaint received 2016-03-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX I entered into a repayment plan on a second mortgage requiring me to make an initial payment of {$1100.00} and remaining payments of {$710.00} between XX/XX/XXXX and XX/XX/XXXX. Although I submitted each payment via Chase Bank cashier 's check on time, Chase began denying my payments just before the end of the repayment agreement. Chase Bank returned the payment for XXXX XXXX claiming the payment plan was rendered inactive on XXXX/XXXX/XXXX due to missed payments for the months of XX/XX/XXXX and XXXX XX/XX/XXXX. The payments for these months were processed and sent by Chase employee, XXXX XXXX - Relationship Banker XXXX ID : XXXX. Apparently, Chase Bank had credited these payments to another account but with the assistance of Branch Manager- XXXX XXXX , we were able to correct this error and have the payments allocated and posted to the correct account. 
Branch Manager, XXXX XXXX as well as myself, expected the account to be returned to good standing after confirming the payments were sent to and received by Chase Bank, as well as these payments being properly posted to the account. 
On XXXX XXXX, XXXX I received a letter from Chase Bank ( dated XXXX/XXXX/XXXX ) stating that my repayment plan could not be reinstated because, although XXXX XXXX and XXXX XXXX payments were received and posted to my account, the payment for XXXX XXXX was missed and this would have also resulted in the cancellation of the repayment plan. Chase Bank went on to send a copy of my payment history and according to their own records the XXXX XXXX payment was received and posted to my account as XXXX-FORCE REG PMT INTEREST. 
At this point, with all the investigating and assistance from both XXXX XXXX and XXXX XXXX, there is no question that all payments were sent to and received by Chase Bank and I have in no way defaulted on the contractual agreement. This latest communication from Chase Bank, continuing to reject the legally binding contract entered into on XX/XX/XXXX, for no justifiable reason, is proof of fraud ( A False Representation Of A Matter Of Fact ) on behalf of Chase Bank. Chase Bank has met all elements considered when determining actual fraud : 1 ) Made a false statement of a material fact 2 ) Completely aware that the statement is false 3 ) Clear and unquestionable intent to deceive 4 ) Justifiable reliance by victim on the statement made by Chase Bank 5 ) Financial injury caused by Chase Bank 6 ) Communication by U.S. Mail constitutes Mail Fraud I am requesting the CFPB investigate these allegations and bring this to the attention of the Federal Authorities. Chase Bank has made every possible attempt to default on the contract under false pretenses.
Consumer complaint received 2016-09-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (UT)

I opened an account at CASE, put in about {$100.00} then after a few months they transferred my money to a different account or something and then started charging me a fee. My wife went into the branch and they did n't know why the account type or transfer happened but would n't refund the fees so she took whatever was left in the account out and closed the account. Now the branch says I have to open a NEW account for them to give me back the money they stole ... I went there twice but they gave me the run around and the wait was too long. Regardless, the transferring of accounts feels like a scam, why did they do that, how can they do it legally? Why ca n't they just send me a check?
Consumer complaint received 2015-11-11
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (WV)

My husband and I moved from our home in XXXX XXXX to take a job in XXXX XXXX. The home was financed by Chase and I spoke with many people in an unsuccessful attempt to arrange a short sale through our realtor. Our neighbor was willing to pay XXXX in a short sale but the realtor said she was unable to arrange it because the Chase Bank site that she went to demanded {$200.00} to finish the application. Chase bank sold the house on the courthouse steps in XXXX XXXX for {$30000.00} on XXXX XXXX, 2013. Chase informed the IRS that we had capital gains in the amount of over {$30000.00} for which we paid enormous taxes. This week we received a letter from a Texas attorney who supposedly bought Chases interest in the amount we were unable to pay and is harassing us for over {$38000.00}. Throughout this process I took detailed notes, kept meticulous records, and still have all of the paperwork from that horrible experience.
Consumer complaint received 2016-03-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bliksum, LLC (CA)

I am very disapointed with Loan Me Inc.. this is company that instead of helping people is killing with their interest of 94 %. I got a loan with them On XX/XX/2016. in the amount of {$6500.00} Just a t the begining they charge to my loan {$750.00} dls for office documents. two weeks after they diduct from my account {$280.00} and monthly payment was {$500.00} interest only. 
when I went to my account to check how much was my principal balance. I was very surprise!!!!! ... .. that from the payment of {$500.00}. only XXXX cents had went to the principal balance. 
Be Very Carefull With This Company!!!!!!! DON T GET THIS TYPES OF LOAN, BECAUSE ITS REALLY BAD RATE 94 % INTEREST ... 
I WILL NEVER RECOMENDED TO NO ONE ELSE!!!!! MY LOAN NUMER IS # XXXX NOW I WANT TO ALL OF US THAT HAD BEEN HURT WITH THIS COMPANY CALLING " LOAN ME INC '' WE CAN ALL GET TOGETHER AND BRING THIS COMPANY TO THE XXXX XXXX SUPIRIOR COURT TO MAKE IT JUSTICE.. BECAUSE IS HURTING WITH THEIR INTEREST RATE.!!!!! Please Contact me at XXXXXXXXXXXX. Thank You!!!!
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc. (TX)

I have contacted BOTH companies numerous times. Conns sent me a letter stating this is sold to XXXX. XXXX sent me a letter stating they have contacted the ORIGINAL creditor numerous times with no response. I have since mailed/emailed XXXX as well as Conns to remove this # XXXX it 's not mine # XXXX they can not /have notverify this account no response since XXXX 2016
Consumer complaint received 2016-08-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Bliksum, LLC (CA)

Loanme, inc has taken advantage of my financial hardship and issued me a personal loan at 99.75 % apr .... On XX/XX/2015 they have charged off this account but have NOT notified me I kept paying my payments when I noticed them charging additional interest rate and late payments.. when I requested to see my payment history it showed that I had a CREDIT balance of {$1200.00} but their billing statement showed a balance due of {$1700.00}. I 'm including all the supporting documentations for this case and hope you will serve justice on this predatory loan practices.
Consumer complaint received 2015-09-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (PA)

Current mortgage servicer took over my account mid XX/XX/XXXX. Made the XXXX XXXX payment and it was returned to me along with a letter stating they could not accept my payment because the previous servicer gave them records indicationg I had made no payments for seven months and my account was in foreclosure status. I provided documentation showing the payments were made and I was not in arrears. I have also provided documentation that my bankruptcy was discharged in XX/XX/XXXX and all payments due the mortgage company were paid by the trustee of the court. I have sent them every piece of evidence indicating payments have been made and no monthly payments were missed. Their response is that they are waiting for the previous mortgage servicer to provide them with information as to where these payments were applied. In the meantime, this whole issue hangs over my head with no resolution in sight. They have not accepted a payment from me for 5 months. I am making sure that money is kept available so I can send them what I owe them if and when the time comes. The stress is tremendous and I do n't understand why this matter is not yet resolved. I went through 5 years of a chapter XXXX bankruptcy and am trying to restore order to my financial future. These mortgage servicers are not doing enough to resolve this issue. Is there nothing that can be done to force them to get this matter straightened out. Do they have the right to just do as they please. What if I wanted to sell my house. I ca n't because of their screw ups. I need help badly as I am at my wits end.
Consumer complaint received 2017-03-12
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (NJ)

Dear Sir/Madam, In XX/XX/XXXX, Costco terminated their relationship with XXXX XXXX and required use of a Visa credit card. Citi offered a New Costco Anywhere Visa Card and with it advertised rewards which included 0 % Intro APR on Purchases for 7 months. I signed up for the card but noticed that Citi applied late interest in month 4 which I refused to pay, so the interest charges continued for 3 additional months despite paying off the balance of my merchant charges. I sent Citi several letters detailing the interest error, but they replied the charges were correct. Ultimately, I stopped using the credit card and Citi then charged me a {$25.00} late fee for not paying the late interest. During this dispute, Citi sent me a notice expressing thanks for being a great customer and lowered my APR for new and existing purchases on my Costco Anywhere Business Visa account through XX/XX/XXXX. In other words, Citi twice offered me 0 % interest, yet they charged interest. Also, nowhere in the Citi card brochure or on the Costco Citi Card web site does it discuss a late fee in addition to late interest. 

Citi clearly waived any interest from the start of my new credit card account until XX/XX/XXXX, yet they charged interest and continued to charge me even after I paid off the principle. Once I discontinued using the card they then charged an undisclosed late fee on the late interest. Their non-transparent, deceptive and disingenuous business practice is abusive, intimidating and unfair. I spoke with a Citi representative ( XXXX ) on XX/XX/XXXX who told me I misunderstood the notices discussing the 0 % interest offers and apologized for my misunderstanding of the unambiguous Citi notices as if I were an idiot. She then went on to tell me my account was put into collection for non-payment of the late interest, which should never have been charged, and a late fee on the late interest which is even more ridiculous. Credit card companies should not be allowed to defraud the public, and I respectfully request that you investigate Citi 's offensive actions. Thank you.