davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX. I have a bank account with JP Morgan Chase bank N.A . I recently submitted XXXX 3-party checks with the allowance of the owner 's of the checks. I was told by Chase bank that I need to get authorization by these XXXX persons either by visiting them the branch or sending authorization letters notarized by US Embassy to one of Chase branch. I got the letters notarized and shipped to Chase bank branch. I spent XXXX usd to get letters notarized and another XXXX to get letters delivered to Chase branch. Otherwise, Chase would close my account and send a check to my mailing address. So I spent XXXX usd just to keep my account at Chase bank. Letters were delivered in 3 days, they have reviewed them and re-activated my account. 
Meantime, when I logged in into account I saw that Chase debited from my account XXXX usd that I tried to withdraw but ATM did not give me funds because the account and the card was restricted at that time. However, Chase was debiting me like ATM did give me cash. So I had to file a claim to get that money back to me. It was filed on XXXX XXXX and on XXXX XXXX Chase provided temporary credit of XXXX usd. I ran out of money and I need some funds, I had to withdraw XXXX usd again. The ATM again did not allow me to do so and when I called to Chase to ask the reason, I am being told that they are closing my account!!!! They are closing my account. All actions I have done, all money I spent was for nothing! They are anyway closing account. 
I did all these actions because I wanted to keep my Chase account. Since I am not in the USA, it costs a lot of money to call Chase each time, I spent more over XXXX usd overall to call Chase and talk to representative to get my issued resolved. That is more than 5 hours of time. The biggest part are my efforts to keep chase account and my personal time, these are not countable, these are invaluable for me! 
My impressions with Chase Bank is associated with my impressions of USA, since it is the bank I opened in the USA. I do not want to loose those impressions, please do not take them from me. 
Please help me out. 

Thank You XXXX XXXX Account : XXXX
Consumer complaint received 2016-01-08
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (VA)

I am trying to assume a loan in my name only. I was separated and later divorced. We purchased the investment property in XXXX. We separated in XXXX at which time I began to make all the loan payments Chase. In XXXX XXXX we divorced and I was awarded the house. In XXXX XXXX I made application with Chase to assume the loan. It is now XXXX XXXX and I am still trying to assume the loan. Each time I submit documentation, underwriting keeps asking for new pieces of information.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

Applied for and entered HAMP mortgage modification because I am XXXX on SSI XXXX XX/XX/XXXX. Before and during entry into program I asked no less than XXXX representatives in recorded conversations if I could take the modification but make full payment as I was afraid to ruin my credit after recovering from divorce induced bankruptcy in XX/XX/XXXX, I was told that I could do that by sending I the modification coupons with a note stating my concerns and enclose full payment and that it would not affect modification chances. 
On XXXX XXXX XXXX I received a letter from Chase stating I would not get the modification because if I could pay the full payment then, I could continue to pay it. Upon receiving this, I called Chase and explained that I was told that was not going to affect the modification. I was told the lender said no and that was that. 
I entered a complaint with cfpb stating all the above in detail. cfpb followed up with Chase bank and on XX/XX/XXXX I received a call from my representative saying I WAS getting the modification and I would have it updated by XXXX XXXX XXXX. I spoke with the rep again on XX/XX/XXXX and he said same thing ... go ahead and use modification payment coupon and all would be done by XXXX XXXX. On XXXX XXXX I received a letter that MORE TIME was needed for a decision! I called the rep 7 times to ask why I received that letter when he told me XXXX XXXX all would be done and I was getting my modification. He never returned my calls. His assistant called and said she was calling to tell me they received my calls but she could not talk about my case. She said she was transferring me to my reps phone. After 32 minutes on hold I hung up and re-dialed him directly to no avail. Today XX/XX/XXXX I called the main service number and talked to another rep. She had no trouble discussing my case and told me NO DECISION has been made and they need more time to review. I told her I was going to contact cfpb again at which point she because very surly and told me if they say they need more time, then they need more time. I asked her why my rep would not call me back knowing that I called 7 times stating I was going into the hospital tomorrow for XXXX and really needed to speak to someone. her answer was ... ask him! I have been lied to strung along and ignored. I explained that they only reason I was able to make the mortgage payments was that I borrowed the money from my daughter. They did not care. This program is to help people struggling and as a XXXX XXXX year old on a very low fixed income I sought that help and was mistreated and misled. The reference former complaint is XXXX if there is anything else needed.
Consumer complaint received 2016-11-02
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

My loan was transferred to Loancare in XXXX 2016. Upon notice we mailed a check to the address provided in the " welcome '' packet. After about two weeks and no sign of the check being deposited into my account, I contacted Loancare by phone to inquire. I was told it had not been received as of yet but not to worry because I have 60 days before there is a late fee assessed because it was a transfer loan. XXXX comes around and still no check deposited. I call loancare and they say they still havent received it. At this point, I go ahead and make a payment via the website ; however I did n't cancel the check yet because my bank charges a fee so I just hope they receive the check and apply it towards the next month 's payment. As of today, the payment still has n't been applied. In XXXX, I sent an email to Loancare via their contact us link on the website explaining that we will make XXXX 's payment by XXXX XXXX because we were having some hardship due to using funds for hurricane matthew. I NEVER received a response from them ; I went on the website to try and make a payment and was blocked from accessing the account page to make a payment ; however a week later, they send a collection agent to my home who leaves a big deliquent door tag on my front door with their phone number to call. Immediately following this visit, I contact the number and I 'm told by the collections representative that I am definitely blocked from my online account access until my account is current. I expressed my concern to him about their collection tactics in sending someone out to my home and he basically told me well you wont have to worry about that if your loan is current as if it were a threat. He also stated that the debt collector takes pictures of my home and submits it to Loancare. This was rather disturbing to know that someone could be watching my home/taking pictures. I then ask how can I make a payment if I ca n't do it online. I 'm then advised that I can only make a payment through them and there is an additional fee to make a payment with a representative over the phone. This fee is also in addition to late charges. I advised the representative I would call in later to make the payment. I tried calling the XXXX number that I usually call for automated account information since i 'm unable to do it online and I 'm blocked on there as well from accessing my account information after putting in my loan number and social security number as prompted. I do not think it is fair to block a customer from accessing account information electronically or having the ability to make a payment online when there is usually no cost to do so. They are forcing me to only have one payment option that requires an additional fee.
Consumer complaint received 2016-09-23
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (TX)

Since XXXX/XXXX/2016 we have received XXXX invoices, # XXXX, # XXXX and # XXXX, all with order # XXXX, totaling {$3300.00}. The first XXXX invoices were charged to our other XXXX Chase credit card, Totaling {$2000.00}. That has been closed. Neither I nor anyone applied, requested or authorized charges with XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card was in her possession at all times, these charges were made. We called XXXX and XXXX numerous times since XXXX/XXXX/2016. They will not give us their name. We are told someone will call back in 20 minuets and the call is disconnected. No one returns our calls. They will put us on hold with clicking on the line and men laughing, then the call is disconnected. I gave them the invoice # XXXX, they gave me a different Company Name, not either XXXX of our business names. Today I gave them the invoice number and the call was disconnected. I call the XXXX number and no XXXX answers, like they blocked my number. I ca n't believe we are the only people getting scammed. My husband is a XXXX, he is paid {$13.00}. a head and pays 30 % of that for his space rental. He does n't use a computer at the XXXX. He writes all the record keeping down. We do n't even use XXXX on our XXXX. If we need to back something up on a computer, we use a thumb drive. My husband is retired XXXX XXXX and a XXXX XXXX. XXXX scammed both our business '. They charged the XXXX invoices on XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Credit card. The invoices ' all have XXXX XXXX XXXX, XXXX, under the XXXX, started business on XXXX/XXXX/2016. Thank you for your assistance in this matter!
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TN)

The lender was provided a loan modification package on XX/XX/XXXX- was advised on XX/XX/XXXX that they received the package on XXXX and XXXX SPOC XXXX was reviewing the file - then on XX/XX/XXXX we were rudely hung up on when the rep XXXX advised that they did not have our 3rd party auth - called back and spoke to XXXX and he was able to locate the authorization, but then advised a new package was needed due to a delay in documents - which we were never advised were needed. The lender has missed deadlines due to the lack of review on this file and now the client is facing a sale date of XXXX/XXXX/XXXX because the lender did not review the file in a timely manor.
Consumer complaint received 2016-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (NV)

Nelnet customer service did not provide me the information I needed to avoid extra charges on my account. I called multiple times. Spent hours on the phone to avoid capitalization on my interest and paying minimum fees on my account. They never told me about when my grace period ended and that one of my loans had administrative grace period. All they tod me was my account was current and to make the payments on time. This has costs me XXXX dollars if not more in charges and interests and they would not refund my money. Every time I call for an issue it takes 2 weeks to a month and at the end another issue rises.
Consumer complaint received 2016-06-24
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I request a payday loan for {$1000.00} with BigPictureLoans.com, my understanding was that the amount to be repaid would be {$350.00}, plus the amount borrowed. BigPictureLoans has attempted to charge me {$350.00} for several months, making the repayment amount thousands of dollars. This is illegal.
Consumer complaint received 2017-03-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (FL)

I bank with Chase, my employer also banks with Chase. Every pay period they manage to place a hold on my paycheck regardless of the fact that my check comes from their account and they are able to tell if funds are available ( in which our company has never had a problem ) I call almost every other week to ask to remove the hold and they promptly do and also advised that I will never receive an overdraft fee if they have placed a hold on my check as it is a result of them. Well this week they decide to reorder the way my transactions took place ( I check my account every morning ) the lower transaction was in place that morning and later in the afternoon I personally made another transaction that should n't have taken place until the following day but it did n't. I received a text a XXXX that night notifying me that my account was negative. Reality is that was my fault, I 'll take it, but what is n't is the following day the charges are reordered and I now have received a fee for the {$12.00} charge ( which was covered ) and the {$210.00} charge ( I earned that fee ) but what has really gotten me upset is that they also gave me a fee on the XX/XX/XXXX for a charge when I deposited my paycheck ( from a chase account ) in which the placed a 24 hour hold on ( which did n't bother me at the time cause I was told by a chase representative I would NEVER receive a fee for a hold placed by them ). This is now becoming excessive. I take care of a family of XXXX and do my very best to balance my money that I actually earned, and here is some bank that comes in and can take it whenever they find ways to ever so easily cheat hard working people out of the money they ACTUALLY work for. For years now the Federal Agencies have come down on the unfair practices in the mortgage industry but I 'm quite certain if maybe the FTC gave a real good look into the un-fudged records of the many banking customers they would find a plethora of unjustified fees we have been charged and we have no one here backing us up and making sure we get treated fair and just. So in the matter of 48 hours Chase bank has taken {$68.00} of {$100.00} that is unjustified and they have found a way to manipulate the system to work in their behalf and there is no real way I can fight this. I have been with this institution since XX/XX/2011 and have dealt with several fees and I will gladly swallow the ones I have earned. But I have a real big problem accepting the ones I did not. Sure I could move to another bank and close this account but the reality is all financial institutions practice the same slimy way so nothing is actually being solved.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (TX)

I was alerted, through a credit monitoring service, that Chase Card had run a credit inquiry through XXXX and XXXX. I found that the inquiry was based on a fraudulent credit card application through Amazon.com. Whoever made the fraudulent application used my name, social security number, and home address. Chase refused to furnish a copy of the fraudulent application. Chase Card was negligent when they authorized a fraudulent credit card under my identify, without verifying the actual identity of the applicant.
Consumer complaint received 2021-10-03
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (MA)

I became aware of this just days ago that the foreclosure mill XXXX XXXXXXXX XXXX of XXXX Mass is in control of the auction house about to Illegally take my home on Tuesday XXXX XXXX, XXXX for profit. JP Morgan Chase Bank, NA has hired XXXX to illegally sell my home. This is all a profiteering scheme to steal homes. I am XXXX yrs old, XXXX, indigent with limited education. The ATTACHED is proof that the foreclosing law firm XXXX XXXX, XXXX of XXXX is the administrator of this XXXX XXXX XXXX XXXX XXXX for Profit. 

THIS IS NOT A DUPLICATE -- -- -- -- - THIS IS NOT IN LITIGATION This is a premeditated scheme to steal homes with the goal of profiteering while abusing me and again this is abuse by Chase Bank by this XXXX, senior whom recently had XXXX XXXX. This is a violation of President Trumps senior abuse prevention law. 
On XX/XX/XXXX. XXXX, President Trump signed into law the Elder Abuse Prevention and Prosecution Act of 2017 ( P.L. 11570 ), identifying the need for data on elder abuse. ... The law also enhances the Elder Justice Act and ensures that XXXX XXXX XXXX  can be used to protect the safety and dignity of all seniors.
Consumer complaint received 2016-12-04
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TMX Finance LLC (TX)

add to complaint XXXX XXXX Titlemax XXXX XX/XX/XXXX On XX/XX/XXXX Titlemax sent a repossession agent to my home. 
The XX/XX/XXXX XXXX XXXX that was repossessed contained personal property that was NOT on the TitleMAx loan. Also the repossession agent is in direct violation of the below Texas XXXX. 

The tow truck operator must send the registered owner a notice by certified mail, return receipt, within XXXX days of the repossession. Texas Occupations XXXX XXXX. This notice has to explain the daily vehicle storage rate, the first day on which storage charges are calculated, the type and amount of any other charges to be paid when the vehicle is claimed ( such as personal property fees XXXX, and the facility 's operating hours. Texas Occupations XXXX XXXX. 

The list of inventory taken with the XX/XX/XXXX XXXX liberty XXXX. XXXX XXXX Boxes full of tools. 
XXXX. Battery charger, car start kit XXXX. Documents, Forms XXXX. XXXX jumper cables XXXX. XXXX pair of sun glasses
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Today, XX/XX/2020 at XXXX ( pst ), I contacted Equifax XXXX and it was a bad connection, because the representative was in XXXX XXXX and she could not understand me, however, I mentioned she was around of people. Then she insisted on informing me that she was alone, and I could here laughter, different conversations. At this point I requested for her name, she provided and spelled her name XXXX. I do not know if this is truly her name, because she continually lied, in fact another woman, would begin speaking to me, that was around XXXX, meaning it was not a transfer, it is someone who was sitting beside her. Equifax is notorious for having data breaches, and I must admit, I do not understand why Equifax continues to hire non-Americans to handle Americans most secure information? The phone call lasted approximately lasted 10 minutes, because of XXXX 's refusal to disconnect the call, probably out of fear of the rating. However, eventually I did rate the call and leave a voice message stating the reason why.
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

I had a collection account on my credit report with XXXX in the amount of {$410.00} with account number XXXX .... They originally had XXXX XXXX XXXX attempt to collect this debt and I was able to sue with the help of XXXX XXXX, XXXX and I won a settlement of {$1000.00} as a result. I then paid the account and settled for {$230.00} on XXXX XXXX and attached the proof. I filed a complaint with the FCC on XXXX XXXX ( CASE XXXX ). They just gave me a generic response and I attached it for you to review. I called XXXX XXXX at XXXX XXXX XXXX XXXX and it kept going to voicemail. I then called XXXX XXXX XXXX XXXX and spoke to a young woman who refused to give her name and at first could not locate my file with my social security number. Then she found my file with me giving my name and said I owed {$90.00}. I told her I had already paid the account on XXXX XXXX and she said there is no record of that. Then she put me on hold and came back and said, oh no wait, it shows you made a payment on XXXX XXXX and it will be updated on your credit report as deleted. I confirmed that it would be deleted and she said no, it will updated as paid. I told her I paid this account almost 3 months ago and why is it taking so long to report as paid. She said the payment just went through on XXXX XXXX but it was drafted from my checking account on XXXX XXXX. I am very upset that a company like XXXX can take advantage of consumers like this and damage their credit reports for mistakes they are making.
Consumer complaint received 2017-02-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

I have been requesting Experian to investigate inaccurate reporting on my credit report since XX/XX/XXXX I have not received any results back from the investigation that has taken place. Certified letters have been mailed XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have received a response that a telephone number has been deleted. I have requested the inaccurate reported accounts be investigated. To date, Experian has refused to investigate the inaccurate information.
Consumer complaint received 2016-10-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Chase closed my checking account without reason, checking account ending in XXXX. After series of fraud alerts. Also listed a false dispute that could be used as a bases for closing the account. There appears to be a order of thinking that has gained ahold in the banking industry that seeks to control its clients. To hinder Creativity in finance is to hinder financial growth. It appears that creativity has appeared amongst the less fortune thus stagnating the minds of the fortune.Thur my research a number of banks are using the same tacit. The error was in giving the banks the stimtulus package. It should have been given to the people the banks would have ended up with it anyway and everybody would have been happy..
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Cash advance — 
Company: JPMORGAN CHASE & CO. (NJ)

I paid my car lease on my credit card with Chase and was told there was a fee attached, {$21.00}, I understood and went through with the payment. On my following credit card statement the lease payment was n't there ( it was after the cut off date of the statement ). I paid the credit card in full. The following statement showed the lease bill paid and the {$21.00} fee attached. But on this statement they charged me {$10.00} interest fee. I called up and spoke to a representative who said that even though no interest was shown for me to pay on the statement and I paid in full, interest was acuring. I asked how could I pay what I did n't see, she said I should have called Chase to see what amount I owed and she could do nothing about the {$10.00} interest. I then paid that statement in full including the {$10.00} interest. This month I received my statement with another {$3.00} in interest. I called again and was told basically the same thing, I should have called to find out the right amount to pay. I ca n't understand why would I have to call to find out the right amount when I pay what the statement says. This is the second month being charged interest for an amount I could n't see.