davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

This is to complain a business practice for the mortgage lender of JP Morgan Chase Bank at XXXX GA XXXX. The agents are XXXX (NMLS ID XXXX) and his managers.
On XX/XX/XXXX, I filed a mortgage loan application to the JP Morgan Chase Bank for purchasing a condominium at the Art of Foundry, a well-known large complex located in XXXX, with expected closing date of XX/XX/XXXX.  I got the loan approved by Chase with interest rate quote of 3.375% for 15 years at zero loan discount point.
On XX/XX/XXXX, I inquired XXXX again to make sure all the paper work is ready for closing. XXXX confirmed the final approval and quoted the same interest rate at 3.375% for 15 years but a slight discount point of XXXX. I also asked XXXX to watch the rate for me and inform me when the rate is low. However, I never heard from him afterwards. In the week of XX/XX/XXXX, I tried to contact him several times to lock the interest rate but did not get any responses from him. I was a little bit worried.
On XX/XX/XXXX, 7 days from the final closing date, I finally reached him through his supervisor. He called me back at XXXX, but suddenly told me that my loan was not approved by FNMA because of a HOA insurance policy. So he switched to a private portfolio loan with much higher interest rate and much higher discount points. He wanted to overcharge me extra XXXX discount points for the same loan at 3.375% rate. If at zero discount point, the rate will be sky-rocketed to 4.5%. I was stunned with the last-minute hack. I tried to negotiate with the Chase management for a lower rate or lower discount points, but they rejected it.  I feel I was hijacked. I don't know what to do. I don't have any good options, no time to find another lender, no time to work out the HOA issue, and no time to close the condo timely. 
My complaint is this. I gave Chase more than enough time (2 months) to process my loan. Chase is responsible for due diligence to make sure that everything is okay, and inform me early if anything wrong. Instead, even though I asked them, they failed to notify me.  Moreover, they are not willing to address the mistake they made. I believe this is a bad business practice. It hurts Chase's name and credibility. More importantly, I have to suffer a great loss because of it.
Please help me to resolve this issue.
Consumer complaint received 2015-03-22
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NC)

XXXX XXXX Chase has put on my credit report for the past 10 years that I owe them {$9400.00} for a credit card. I have never had a credit card with J.P. Morgan Chase, XXXX, nor any of the other banks that Chase has bought out. I was also XXXX in 2005 and had my identity stolen when I lived in XXXX, Texas. I never received any letters or phone calls from Chase in regards to owing them monies on a credit card that I was never issued! I have tried in vain to contact Chase to have this removed from my credit report but they never respond.
Consumer complaint received 2017-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (CA)

XXXX  loans with nel net first account number  XXXX  there is a direct and a sub direct. well several times i made large lump payments ov er 1000.00 t o bring down my loan balance and they applied to to interest. I was never late on my loan so i had no past interest due. when i questioned them i was told that that is how they handle there loans that any addl money paid gos to future interest not the principle. i thought this was weird practice so i never paid them a lump some again. I have paid off the loan however i believe they have robbed me and applied my monies incorrectly and i can not get them to fix the issue.     My name is :  XXXX   XXXX   XXXX  date of birth is  XXXX / XXXX /  XXXX   last  4 d igits of social is  XXXX  address is  XXXX   XXXX   XXXX   XXXX , ca  XXXX  phone  XXXX   XXXX   XXXX
Consumer complaint received 2015-11-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

BELOW IS AN ABSTRACT OF LETTER WRITTEN TO SETERUS, INC on XXXX/XXXX/2015 : My loan, formally with Bank XXXX, is currently being serviced by Seterus XXXX Inc., effective XXXX XXXX, 2015. After the loan was transferred ( around mid-XX/XX/XXXX ), I called in to get my loan balance and the general status of the loan. I was then told that the principal balance was {$360000.00}, however ; according to the " XXXX XXXX '' script, my loan balance was {$370000.00}. That peaked my curiosity because the loan modification documents I have indicate that my new loan balance, as of XX/XX/XXXX 2015, was {$360000.00}. Obviously, the XXXX script was not consistent with my modification documents. After many calls over a one- to two-week period, I was finally told that I had an escrow deficiency to the tune of {$10000.00}. This can not be correct as the " Clarity Commitment '' letter sent with the modification documents indicate that {$9500.00} of taxes and insurance not paid by me was included as part of the new, modified principal loan balance. 
I was approved for an " affordable '' modification in XXXX 2015. I began making the initial payments of {$1300.00} as required by the terms of the trial period. After making XXXX successful payments, I was told by Bank XXXX XXXX that the loan was approved for a final modification. The modification document dated XXXX XXXX, 2015 required a payment of {$1500.00} to be made the XXXX of the month beginning XXXX XXXX, 2015. 
Over the last XXXX months, I have not been able to get Seterus to resolve issues with my account resulting from the escrow portion of my payment being inflated by approximately {$250.00}.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (AZ)

Hello - I signed up for a Chase credit card as part of a promotion ( for XXXX bonus miles ) with Southwest Airlines. Southwest advertises this promotion everywhere - every time I go on their website or use their mobile app or even at their terminal in the airport. I clicked on this promotion and signed up with the card ... and some how ended up with a different promotion that I have never seen advertised anywhere. I repeatedly called Chase asking when my bonus miles would appear, and they reassured me that I had to wait, as it takes up to 6 weeks, even after I had waited that long. Finally some one told me that I was signed up for an inferior promotion, that again, I had never seen advertised or described anywhere. So I was basically tricked into something else, and they eventually agreed to change " after the next billing cycle '' a delay that essentially violated the terms of the agreement. Furthermore, Southwest 's response is to claims that it 's " Chase 's promotion '', even though are the ones advertising it, to the point that it is the main thing Southwest is pushing. My take is that Chase is engaging in false advertising, and Southwest is claiming no responsibility.
Consumer complaint received 2017-01-25
Product: Debt collection — Mortgage
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: JPMORGAN CHASE & CO. (NY)

My home is being sold TODAY XX/XX/2017 AT XXXX ... .JP MORGAN CHASE purchased my mortgage I got behind on my mortgag they started foreclosure proceedings I then they came to a modification agreement with me and sent me a letter on 3 different occasions stating they withdrew the foreclosure complaint and to disregard the foreclosure papers then my loan was sold to XXXX I had to begin the modification all over meanwhile my foreclosure which has JP Morgan Chase as plaintiff continued despite the fact they said to disregard it because JP Morgan Chase led me to believe the foreclosure was withdrawn by them and TOLD ME TO DISREGARD COURT PROCEEDINGS I didnt appear in court JP Morgan was awarded judgement I have been trying to get JP Morgan Chase to stop the foreclosure since they are the only named plaintiff not realizing tmy new servicer XXXX was some how the one really moving ahead with the foreclosure sale so they should have been who I was working with but I did not know because JP Morgan Chase is the Plaintiff on all the court documents and XXXX never sent me any information that i requested they lied said they did offered proof of mailing which clearly shows only a XX/XX/XXXX mailing date and two letters stating they were researching the information I requested regarding my modification with XXXX and where the payments went and if they were honoring the modification instead they just stalled and used the fact that JP Morgan was the listed plaintiff and that I thought I was supposed to be working with them as a stalling tactic ... the fact I thought JP Morgan Chase was who I had to work with is evident in the amount of complaints I have filed with you against JP Morgan Chase
Consumer complaint received 2016-01-17
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (NY)

I submitted an online credit application today 's date XXXX/XXXX/2016 to Chase Slate Bank for a new credit card. The primary reason I did so was because they were offering an option to transfer a balance from another lender with a higher interest card with zero percent interest for 15 months. As a part of the application I had to give them the other lenders account number and amount I wished to transfer ( in my case over {$4000.00}. ) even though I entered this amount in their application, when I submitted ( and got approval ) for the card, they gave me a {$1000.00} limit and made no mention of the transfer request. When I called them at their customer service number they said that the transfer limit maximum was {$1000.00} at most. I told them I never would have applied if the online application had indicated that. The CSR apologized and asked if I had any other questions. I told him I felt the online application was used as a tool to lure new card members and that I never would have applied if they had indicated the maximum transfer amount. Website I applied at was XXXX The representative I spoke to indicated on the phone that the balance transfer information I entered was NOT used as part of the application submission which I feel was a misrepresentation on their part.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (FL)

I am requesting { again } all activity regarding my loan from its inception in XXXX through today. 

I have received some information from this company, but not everything I requested. Also, the dates on the spreadsheet are completely out of sequence ie XXXX, XXXX, XXXX all mixed together. 

Please send everything IN CHRONOLOGICAL ORDER so I can unravel it. 

Thank you.
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (PA)

Arvest Central Mortgage Co of XXXX XXXX AR took over my mortgage services on XX/XX/2020, however no correspondence was sent to me regarding the details of how to pay or how to contact their company until XX/XX/2020, via US mail bulk rate, and was not received by me until XX/XX/2020, the day that my mortgage would be considered late for payment and be imposed a late fee ( which Arvest has since said they are waiving for all customers ). 
When I originally tried to pay my mortgage to Arvest, via their automated system I was told that my information did not exist in their system. Due to not receiving the information from Arvest that I needed in order to pay ( including a contact number ) I was not able to pay my mortgage in a timely manner to Arvest. My mortgage interest accrues at over {$90.00} per week. This negligent and unethical delay in proper notification of how to pay my mortgage in a timely manner, by Arvest, resulted in my interest owed being increased by {$90.00} per week. This interest that accrued due to their delay, equates to direct fraud by this company, as it equates to more money that I now owe them. This interest that was not paid down due to this delay will be compounded many times over for the life of the loan. How can a company mail a notice on XX/XX/2020, via slow US mail, of how to pay make a payment that was due on XX/XX/2020?
Consumer complaint received 2015-03-25
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (UT)

This mortgage was aggressively marketed to us by Washington Mutual Bank in 2007. Over the past several years I have discussed this matter with them and many individuals, inside the former Washington Mutual and, now Chase, Bank 's. I have spent many many hours learning about the situation. I have had many real-estate and legal processionals look at the situation as well. 
I reluctantly, negotiated a loan modification with Chase bank. This modification resulted in XXXX separate mortgages. A " new principle balance '' of {$380000.00} and a " deferred principle balance '' of {$170000.00}. Language in the modification very specifically states that " provided I am not in default under the terms of this agreement and I pay my Note in full ( XXXX ) any time more than 30 calendar days after the modification Effective Date, and ( XXXX ) PRIOR TO THE APPLICATION OF THE ENTIRE DIFFERED PRINCIPAL REDUCTION AMOUNT, I SHALL BE FULLY VESTED IN AND ENTITLED TO THE UNAPPLIED AMOUNT OF THE DEFERRED PRINCIPAL REDUCTION AMOUNT AND THE UNAPPLIED AMOUNT SHALL BE DEDUCTED FROM MY PAY OFF BALANCE. This can be found on page XXXX of the attached document, the last paragraph on the page. Some XXXX wanted to buy the home and the Bank has refused to comply with this part of the agreement signed by the bank and myself. I have retained an attorney and will be pursuing legal action.
Consumer complaint received 2015-10-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (VA)

The loan was provided by XXXX and is services by Firstmark Services. It was applied to my education at XXXX University between XXXX XXXX and XXXX XXXX. Prior to attending graduate school between XXXX XXXX and XXXX XXXX, I applied XXXX to set up automatic payments. Both times, the loan servicer reported never having received the required documents leading me to miss payments. After I completed graduate school and began to make payments again, I attempted for a XXXX time to set up automatic payments of {$200.00} a month. Again, the loan servicer reported not having received the request and resulted in my missing several payments. Additionally, they made no attempt to contact me via phone or email within the federally required time to rectify the situation, the first notification I received was this afternoon from the small loan provider I first dealt with when the account was 148 day past due. I set up automatic payments for the XXXX today but was informed that it would take 20 days to set up and the representative would not be able to see anything related to that request prior to that time. 

It is my belief that Firstmark Services intentionally " loses '' automatic payment requests in order to receive more money in late fees.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MO)

I lost my home to greentree servicing on XX/XX/XXXX due to loan modification process, loan process lingered for 12 months .I have filed XXXX complaints to my attorney general they were no help. I have had this mortgage for 18 years with XXXX year note. greentree deceived me through whole process. I have filed XXXX complaints with CFPB as of today I have had NO response from your XX/XX/XXXX. Regarding lawsuit. I was informed few days ago that ONLY mortgage from XX/XX/XXXX XX/XX/XXXX was quafied for settlement.!!!!! I have been harassed, decived, threaten, when I would fall behind. SO Why only a few have more rights to receive compensation than I?? This is unfair that our govt pick and chose. I have sent all my documents to your agency and would like an answer. I have lost my home with 2 years left to pay. 

Thank you XXXX XXXX
Consumer complaint received 2015-12-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (IN)

I had an auto loan with chase auto finance that ended up being a total loss on XXXX XXXX XXXX XXXX paid their portion of the loan in XXXX XXXX and I contacted the dealer I purchased the vehicle from to fax the gap paperwork so I can get gap to cover the balance asap. I got in touch with gap and got the process going and never heard another word from chase or gap. I checked my credit in XXXX XXXX and saw I still had a balance on this loan so I sent a letter to chase asap and they responded that the loan was paid in full and closed. spring XXXX I noticed when I went to purchase a vehicle the lenders kept denying me saying I was 60 days late within 24 months so when I looked chase marked me for date of first delinquency XXXX and 60 days late with account paid and closed XXXX. I contacted chase and disputed several times through the credit agencies. the chase reps I spoke with went above and beyond to help me and had a few lates I got from moving out of state due to the payment issues I had because I did n't have statements to send with the payments and I greatly thank them for their help and understanding. they had trouble with the account being locked and archived when they tried again to correct the issue so during the cra dispute process someone at chase that handles the disputes changed my status from 60 days late to 91-120 days late and that I 'm XXXX payments past due and no matter how many times I dispute it everytime I dispute it and they report it the same my credit score goes down more and more. the lates are still removed from the payment history and I thank them for that. XXXX and XXXX XXXX are the only XXXX I 'm concerned with XXXX reported correctly.
Consumer complaint received 2016-10-09
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (VT)

My balance consists of XXXX balances, a balance for purchases at 12.24 % and a balance transfer of 0.00 %. 
My goal is to pay my highest interest rate balance first and avoid any interest charges. 
In the small print section of my statement there is a section entitled " How to Avoid Paying Interest on Balances '' it says any payments made beyond the minimum amount due will be applied to the balances with the highest rates first. 
I tested this on my statement dated XXXX. I made two payments 1 day apart, one in the amount of the minimum balance, the other in the amount of my balance on purchases. When my next statement came in they reduced my purchases balance but not to XXXX. 
The continue to charge interest. This is UNFAIR and NOT CONSISTENT with the law in terms of how payments must be applied. 
This is widespread abuse of american consumers and Chase is making unfair XXXX.
Consumer complaint received 2017-03-18
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (AL)

I received a notice in the mail in XX/XX/2016 that I was turned down for an Amazon.com credit card. However I never applied for a credit card of any kind. This was a fraud. I have disputed this inquiry through XXXX and received notice a month later that the disputed had been completed but no results were given and nothing was done to remove this inquiry, The inquiry was made through Chase Bank.I would like this inquiry removed from my credit report as it has made my score take a plunge. Im in the process of trying to buy a home. The reference number on the letter sent to me is XXXX. Thank you for your time.
Consumer complaint received 2015-11-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: United Shore Financial Services, LLC (MD)

I am refiling my complaint against United Wholesale Mortgage Company, Case # XXXX as I find their response to be wholly inadequate. Further, I attempted to contact them at the number provided, and it was not working, causing me further concern. They have generically written assurances, without responding specifically to my request that my records be destroyed since I pulled my XXXX mortgage applications. Furthermore, as they claim to be following financial regulations, I would like to have copies of all regulations that they believe apply to my case.
Consumer complaint received 2017-02-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: EVERBANK, NATIONAL ASSOCIATION (OR)

in my XX/XX/XXXX statement from everbank I received a notice that my escrow account was XXXX short. contacted everbank. talked to XXXX, XXXX, and XXXX ( supervisor ) and was told by all XXXX that payment date for my escrow account by XXXX county had changed. I contacted XXXX tax assessment dept. ( XXXX ) and checked their web site. NO CHANGE IN DUE DATE!! 
recontacted everbank and they claim that in fact date has changed. 
I requested a copy of memo changing due date they refused, said none existed everbank XXXX loan # XXXX I asked to speak with escrow processing they refused to let me talk to them