davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (GA)

Over the past three years, I have repeatedly tried to get my ex-husband, XXXX XXXX, removed from my checking/debit account and my credit card account through PNC Bank. I opened this account and credit line as a single individual, and at no time, listed him as part of the account or listed him as an emergency contact. For some reason, PNC has been unable to explain why he has been linked to my accounts. 

Over the past three years, XXXX XXXX has received account notifications as well as account alerts when there is suspected fraud ( i.e., if I am traveling out of the country ). At each occurrence ( the last at the end of XXXX and is noted on my account records at PNC ), I have contacted PNC Bank and they assure me that his name and access has been removed, but then I find out he has been contacted again by PNC regarding " fraud '' on my account -- which also gives him PRIVATE information regarding financial transactions as well as my locations. 

This occurred again today, XX/XX/XXXX. He was called by PNC regarding a " Fraudulent Purchase '' on my debit card. When I contacted PNC, they stated they saw that I had called in XXXX regarding the same issue, but " nobody followed through on making sure it had been dealt with. '' And then stated it appeared he had access via my ONLINE banking. 

Again, I have NEVER linked his name to this account. I have NEVER granted him access to my account. I have NEVER agreed that he should receive PRIVATE information regarding my account. 

I need action taken immediately on this and I believe I should be given financial compensation for illegal sharing of my private banking information. My divorce was not amicable, and I have no idea how much of my financial information my ex-husband has been able to access.
Consumer complaint received 2016-10-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Key Mortgage Services (IL)

I started to apply for a refinance with Key Mortgage Services, inc. they ran my credit report, and afterwards they said, I could qualify for this loan. The reason I wanted to take out the refinance, is to make my 30 year mortgage to a 20 year. The loan officer told me that they want to check on the {$7500.00} dollars that was given to me from the government, when I closed on my condominium, the 1st time 2 years ago that I bought it. The loan officer XXXX XXXX, asked me to find my Hud 1, I could n't find it at the time, however I found my good faith estimate. I told her that it was on the estimate. So then she still could not find out. I had before all of this came about, given her {$450.00} for the credit report and appraisal fee. I found out that the payment from her would over extend me. I told her to cancel the appraisal. She then told me that I can not get the money back, because I signed a credit card statement, which said non refundable. I never noticed that because I have been working a lot of hours, and was doing this from work. All this company called Key Mortgage Services XXXX XXXX XXXX. XXXX XXXX XXXX, il. XXXX. Did nothing for me but just kept my money and I was told even thou the appraisal was not done, they would not give this money back to me. I should not be charged for a service that was not rendered. No appraisal was done. She said she emailed her supervisor, and they said I could not get this money back. I have filed a claim with my credit card company XXXX XXXX XXXX. I am a single mom, and know this is wrong to collect on a service appraisal that never happened. After all of this, I yelped them, and noticed many situations that the same thing happened to other people. Please help me get my money back. This is horrible customer service, she as a loan officer should have disclosed important things. I told her that this is so unprofessional, and stealing from people. I really appreciate your investigation in this matter. Feel free to XXXX them. The only reason, I did not XXXX them in the beginning, is because a friend of mine recommended me to the company. My friend also lost her money, however after the appraisal, they told her that she also got the government assistance of {$7500.00}. Please keep me informed, they are money hungry out for themselves. 

Thank you. 

My email addess is XXXXXXXXXXXX My phone number is XXXX.
Consumer complaint received 2016-12-19
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (NC)

JP Morgan Chase, who manages my Amazon credit card, is calling me every day, at different times of the day, in order to collect a debt. I am working with XXXX to pay off my debt, and JP Morgan Chase has been informed that I am using this service. I 've also asked them to stop calling me. I am setting aside {$200.00} every pay day in order to pay off the debt. The telephone calls are excessive and intrusive and have not stopped.
Consumer complaint received 2015-06-18
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (FL)

Chase is offering " free monthly credit score '' BUT my score is not posting. I have spent considerable time contacting Chase - but their out of country operators ask for so much information it feels like identity fraud is possible and I do n't think they should need that much to verify an account, so I contacted XXXX. There is no block on my credit account in XXXX system. They have a record of the Chase account. A complaint to Chase headquarters WAS DELETED. SO, they have made an offer and I have accepted it BUT they are not fulfilling their offer. Would the US Government PLEASE require Chase to fix their problem, act in good faith, or else compensate me for time spent dealing with people who can not do their job.
Consumer complaint received 2015-08-06
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank has been calling asking for my father XXXX times in less than an hour. the first call started at XXXX and its XXXX and they have just made the third call. Chase Bank called as many as XXXX times yesterday which is when the collections calls started. They are trying to collect a late payment of {$55.00}. My parents are both XXXX and my mother does not speak XXXX so she is unable to explain to them that I her daughter will make the payment for them today after work.
Consumer complaint received 2016-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

Chase has caused so many delays for me getting the repairs of my home done. Last complaint I filed with CFPB Chase said when the 75 % inspection was complete the next installment of fund for repairs would be sent. The 75 % inspection report was complete on XXXX Chase 's policy is that funds will be send 4 business days. XXXX XXXX was the 4 business days and as of today XXXX XXXX no payment has been sent. I did ask all correspondence to be in writing from Chase I have emailed them asking when the funds will be send since the 75 % inspection has been completed and my contractor is waiting on funds. Chase replied to my last complaint they would send out fund - but they do n't do what they state they will do.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO. (GA)

I requested online through Amazon a Visa credit card issued by Chase. I was approved immediately online, which I expected because of my long-standing credit card account with Chase. 
Today I received my card in the mail. It was issued in the wrong name - XXXX - the name of my wife 's ( XXXX ) former husband!!! 

How this offensive mistake happened is beyond me. l did NOT ask that my wife be on this new Chase card. My wife is NOT on my current Chase card. My wife is NOT on my Amazon account. I have never communicated any PII about my wife to Chase or Amazon. 

The very courteous call center representative I just spoke to is arranging for me to get a new card shortly. I still want the card, but I also want to understand what privacy and system breaches occurred to allow this mistake to happen.
Consumer complaint received 2016-09-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2016, I ordered XXXX items using my debit card ( for {$65.00} ) from a web store in the XXXX. The items arrived from XXXX on XXXX XXXX and they were the wrong brand, shape, color, design, etc. 
I contacted the merchant and immediately began receiving spam mail ( now i think the site is fraudulent. ) I called Chase Bank and explained the situation. They gave me a credit and said they would be in touch. 
On the morning of XXXX XXXX, Chase said they required me to find a merchant and have them sign a document stating that these items are incorrect. I offered to send the entire package to Chase so they could see the labels themselves and I also offered to send photos. They are claiming that I must visit merchants and get someone to type a letter for me on their letterhead to say that I was defrauded! This is completely outrageous. I just went to my local store and they looked at me like I was crazy. What business owner is going to agree to do such a thing, especially for a non customer? This appears to be a way for Chase to put the burden on the already taken advantage of consumer. I have been a customer of chase for over 10 years and I have NEVER filed a dispute. There is no reason for them to NOT believe me. Please investigate.
Consumer complaint received 2015-09-24
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (CA)

A class action suit was filed against our lender XXXX JP Morgan Chase XXXX regarding unreasonable in-house insurance premiums being charged on some housing loans and me and my deceased spouse were among those who have paid these in house insurance premiums. A settlement was finally reached but my monetary claim is being held by plaintiff lawyer/s for failure to submit sufficient documentation of my authority to file and sign a claim on behalf of my deceased wife/co-claimant. I am being required to submit " Certified Copy of Letters of Administration or Testamentary as evidence of my authority toto file and sign the claim on behalf of my XXXX wife ''. 
I believe their above requirement is unreasonable and too burdensome for a struggling widower who is simply living on paycheck to paycheck just to be able to maintain a decent living with a house of my own. I can not afford to hire or consult a lawyer to adviseme on how to obtain this so called " Certified Copy of Letters of Administration, etc etc ''
Consumer complaint received 2015-06-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

the message below was sent to chase XXXX XXXX foreclosure mill aka oh XXXX loan default manufacturing center within chase bank aka loss mitigation unit run by former bear stearns execs including the former ceo. 
pursuant to OCC sanctions on former XXXX ceo execs and other former XXXX execs in jp morgan chasebank oh XXXX loan default management group foreclosure mill default manufacturing unit this cease and desist notice is as follows as a JPMorgan chase stockholder and JPMorgan chase misconduct whistleblower to uscfpb. see below1. Cease and Desist calling me from exec offices of chase unit XXXXXXXX that violates the national mortgage settlements for only contacting me by the principal point of contact XXXX district XXXX XXXX chase v.p manager and no one else2. cease and desist keeping this current loan number that I never applied for in loss mitigation since it is not related to original erased by chase bank to evade dodd frank act original bear stearns loan beginning withXXXX. new loan terms include adding balloon payments in XX/XX/XXXX ranging from $! # XXXX to $ XXXX depending on chase source.these loan terms were added to as a loan modification and or new loan origination without any application from me with no loan docs and no settlement and to letter of rescission already submitted to XXXX XXXX via secure email and us cfpb notice of complaint. 
3.cease and desist sending me mortgage statements with falsified by chase mortgage e balances since XX/XX/XXXX transferred from emc XXXX chase with and XXXX years taken off repayment period turning a XXXX year loan on mortgage statement to a XXXX year loan. 

cease and desist confiscating my mortgage payments and escrow funds under camouflage of loss mitigation and per occ sanctions notice money laundering my payments XXXX or other XXXX chase subsidiaries and then trying to manufacture loan defaults by not applying payments5. cease and desist colluding with XXXX loan management services to manufacture defaults using forgery docs produced by chase forgery factories which I have in my possession sent to me by chase whistleblower employees. 

6. cease and desist using my escrow account to manufacture defaults by raising my payments while not applying over {$2000.00} in escrow funds from five future payments already made as shown on chase mortgage website for this manufactured zombie loan that has no loan docs ending in XXXX.
Consumer complaint received 2016-08-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NJ)

Sequence of activities happened between XXXX/XXXX/2016 and XXXX/XXXX/2016 1. XXXX/XXXX/2016 - Withdrawn {$500.00} from XXXX XXXX XXXX ATM 2. XXXX/XXXX/2016 - Deposited {$500.00} in Chase bank ATM XXXX. XXXX/XXXX/2016 - Withdrawn {$500.00} from XXXX XXXX XXXX ATM 4. XXXX/XXXX/2016 - Withdrawn {$100.00} from XXXX XXXX XXXX ATM 5. XXXX/XXXX/2016 - Withdrawn {$4000.00} from XXXX XXXX XXXX teller counter which is located in XXXX around XXXX or XXXX. 
6. Walked one block 7. XXXX/XXXX/2016 - Deposited {$4100.00} in Chase ATM which is located at XXXX, NY around XXXX 8. Got technical error around XXXX. 
9. Immediately Contacted branch officer around XXXX 10. Claim was created. 
11. On XXXX/XXXX/2016 around XXXX - No money found message from Chase bank 12. On XXXX/XXXX/2016 around XXXX - Contacted chase claims department 13. After sometime there is an error found {$3600.00} and {$500.00} missing. Requested to do second round of research 14. On XXXX/XXXX/2016 - Money not found, Research was done no further investigation will be done. 

Finally I lost {$500.00} money.
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (OH)

I have not used XXXX XXXX XXXX in four years. All of my payments for this company are up to date. I have statements for all my payments and never received any calls or mail about missed payments. 

Then suddenly I am hit with a letter demanding {$150.00} from me saying I owe, I sent a detailed letter with attached statements asking them to prove the debt or remove it. I have not heard back but it is still on my credit report!
Consumer complaint received 2016-04-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

I have been attempting to use the short sale option to sell for over a year now. Although I have been working with Chase bank providing any and all documentation requested of me in a timely fashion they are now going to foreclose due to a multitude of internal delays mainly caused by internal value disputes between the appraisal and BPOs, which is no fault of mine! I was told to list at {$58000.00} which forced them to deny the original offer of {$20000.00}. I finally received and submitted a new offer of {$35000.00}. However, since the appraisal was {$18000.00} and the BPO was {$40000.00} the variance was denied. They are going to foreclose in a few days, and they stated that since they are waiting on more values to come in there is nothing they can do ; even though I have good offer well over the official appraisal amount and within the FHA percentage for BPOs. The wo n't even postpone the foreclosure until they get their values back. PLEASE HELP!!
Consumer complaint received 2015-07-25
Product: Credit card — 
Issue: Late fee — 
Company: JPMORGAN CHASE & CO. (MD)

On XXXX/XXXX/2015 Chase credit cards attempted to execute an automatic payment against my checking account. The automatic payment was rejected because I made a mistake. I noticed this after a periodic visit to the website. I did not receive an email, I did not receive a message in their " secure online message center ''. I was assessed a late charge and interest. My credit card was suspended. 

I immediately called Chase and they said they only send USPS for this type of matter. WHERE IS THIS DISCLOSED? I sign up for automatic payment, electronic billing, txt and email alerts but rather than using any of these means to communicate they send snail mail risking huge penalties and impact on my stellar credit score. And why in the heck did they not do a test transaction on the routing number/account number BEFORE the due date. 

There is clearly a gap in the regulations if they can claim to have all this paperless billing and electronic billing but use usps mail for this XXXX special case. Even if they were concern about security, they could have sent a email asking me to call to address a matter just as they do when there is an unusual charge that triggers a security concern. 

The CFPB needs to investigate whether this is a unique problem to me, whether they are taking advantage, or whether they are being deceptive regarding their use of electronic/paperless billing. 

Thanks you, PS : The agent refunded my late fee and interest as a courtesy but most likely because I charge a significant amount every year on their cards. That should not let them off the hook. I want nothing but a change a policy.
Consumer complaint received 2016-04-11
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX, XXXX, I received a judgement against me through the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX without receiving a summons or with no knowledge of what the debt was for. Through my research, I have been informed that it is from a JP Morgan Chase issued XXXX ending in XXXX for the original amount {$1200.00} ( case # INCXXXXXXX ). I am a former Washington Mutual checking and savings account owner and a current Chase Bank account holder. I have no record of owing this money on my end and would think that since I am a current account holder and have not had a break in my account holding status with Chase Bank for the past 10 years ( even when they were Washington Mutual ), I would have been made aware of this. I know there was a Califronia lawsuit petitioned by the California XXXX XXXX XXXX that was awarded in the consumers favor for false and fraudulent debt collection practices by JP Morgan Chase between XXXX XXXX, XXXX and XXXX XXXX, XXXX. This was to be repaid by Chase Bank to the consumers for the amoutn owed plus 25 % excess above the amount owed. I have no idea how to move forward with getting reparations and the removal of the judgement.
Consumer complaint received 2016-08-27
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (GA)

Please be advised on XX/XX/2016 I sent Chase information Pursuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Chase! Chase has not provided any documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information
Consumer complaint received 2016-02-06
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

Its pretty simple. My wife and I booked a trip to XXXX place on our Chase Credit card in XXXX for {$180.00}. We had to cancel and XXXX issued a refund to Chase for {$180.00} in XXXX ( we never received ). Between XXXX and XXXX our card number was stolen and Chase issued a new card number. It is now XXXX and Chase refuses to forward the refund from XXXX to our account. I feel like we are caught in Chase red tape because our card number changed.
Consumer complaint received 2016-01-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (OK)

I have been in a foreclosure case since 2012. I have taken the case to the federal level to get JP Morgan Case and XXXX, a XXXX company to prove they have claims on my property. I have been a XXXX for four years and have gone through more than 2 years XXXX for it. This case is highly fraudulent, involves robo-signers, transferring of accounts while the Debtor, me, was in bankruptcy, XXXX assignments, XXXX mortgage assignment after they closed, etc. I have sent a copy of my Motion to the Whistleblower site, and would love to attach it to this complaint form, too. NEVER at any time has a loan modification been offered. JP Morgan is trying to foreclose on my home to which they neither obtain a mortgage or lien on. XXXX has told me several times my loan is paid and the balance is XXXX. I used my right to redemption and made a payment that is being denied. Fraud is being perpetrated upon the Court and I am tired of the run around in this case. XXXX became my service provider without any form of notification. JP Morgan never told me they were transferring the account. I found all of this out by looking at my own XXXX XXXX in the XXXX Courthouse. I also know that when a loan goes into default, the PMI will cover the loan to the Lender. The original lender to this mortgage was XXXX, and then XXXX became involved. It was not my understanding that XXXX would be involved with the mortgage of this home. There are so many issues in this that it is incredulous to me that this case has not been thrown out and discharged. Actually, my home was discharged in 2012 in a bankruptcy case when I had to foreclose after I discovered my own spouse was gambling and using funds for his own pleasure. I was married 20 years and my husband and I were filed for divorce not long after I found out I had a XXXX. I have been put on Social Security XXXX due to the change in my own XXXX and am unable to continue in my profession XXXX. 
Please contact me about this case!