davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

Chase sent me an offer for 15-month 0 % balance transfer around XXXX or XXXX XXXX. After some considerations, I took up the offer and made a balance transfer near the end of XXXX XXXX, and paid transfer fee. I set up online automatic payments. Strangely Chase stopped to send any monthly statements after that but later notified me to switch to online billing, while no e-mail monthly statements were received. Checked e-mails including spam files never yielded any e-mail. Started XXXX XXXX, merely 13 months into the offer, Chase started to charge interest. I called, one customer service rep and his supervisor both stressed that the offered 15-month period starting at the time the offer was issued, not the time of transfer. I never heard such offer and such term. I asked the bank to provide me with original records but Chase has n't provided. 
To me, it is typical " bait and switch '' tactic.
Consumer complaint received 2015-12-23
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CO)

The children of XXXX and XXXX XXXX XXXX took advantage of our XXXX month intro special in XXXX and then signed their children up to continue with regular classes starting in XXXX. We billed them XXXX tuition and their children attended classes the entire month of XXXX. We billed them XXXX tuition as well and within a week of that happening XXXX XXXX contacted us saying that they never signed their children up to take classes and wanted to quit. We informed him that we need 30 days written notice to stop billing and that there was a {$150.00} per child early termination fee as stated in the contract his wife signed. We compromised with him despite his rude emails and attempt to physically bully and intimidate my husband into giving him money. We refunded the XXXX tuition payments and agreed to refund half of the {$300.00} early termination fee. He agreed to these terms and we processed the refunds. XXXX then contacted his credit card company, Chase Banks, and tried to report the XXXX tuition payments as fraud and claim that the refunds were never processed and that he never agreed to the early termination fee. We submitted all documentation including the contract, the attendance records, and the emails between us and XXXX. The initial findings of the company were in our favor and the money was re-deposited into our account. XXXX XXXX is trying to dispute the early termination fee again and despite all the documentation showing otherwise, Chase Banks has decided to just take the money out of our account and give it back to XXXX XXXX. Because of the mess this family and Chase Banks has caused, we were able to pay our employees but had forego paying myself and my husband our payroll. These tactics create a financial nightmare for businesses and cost us a lot of time and money when we have to contact our accountants and lawyers. After all that XXXX XXXX is again trying to dispute the early termination fee and even though Chase was given all the documentation showing justification for the fee and XXXX XXXX agreeing to the fee, they have taken the money out of our account again and said our documentation does n't count and only the word of their client does. When I contacted Chase to discuss this with them and offered to re-send the documentation they were extremely rude to me from the employee I started speaking with all the way up to the supervisor who was even more rude and condescending to me. In a nutshell, Chase has taken the position that they will do whatever their client wants and businesses are bad people no matter what documentation is presented to them indicating otherwise. I do not appreciate being treated this way and can not run a business when people do not pay for our services they have used and then use their credit card company to bully us and steal money from us. It is not OK to just willy-nilly take money from other people 's accounts without a valid reason, especially when they have proven their case previously.
Consumer complaint received 2016-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (CA)

My credit score is materially lower due to the fact that the average age of my accounts is misleadingly low. XX/XX/XXXX accounts have an aggregate age of ~8 years ; however, given that my graduate loan account with Nelnet is split into XXXX " accounts '', my aggregate account age is 4.1 years. If these accounts only showed up once ( as I feel is more truthful - XXXX loan provider, for XXXX XXXX degree ), my aggregate account age would be ~5.4 years. This increase, according to XXXX XXXX, would move me from " poor '' to " fair '' in terms of average account age. I would like this to be updated so my credit score does n't reflect a misleadingly low average account age.
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

XX/XX/XXXXDear CFPB representative, I received an updated escrow analysis of my Chase mortgage dated XX/XX/XXXX saying that my escrow account is {$1800.00} short. The analysis is erroneous as Chase ommited to include my future montly contribution of {$630.00} for the month of XXXX and XXXX but yet included my future contribution for XX/XX/XXXX and all future contributions for XX/XX/XXXX and XX/XX/XXXX. Chase also included all potential future withdrawals. I circled the omitted XXXX contributions on enclosed page XXXX of the statement. I called them today and spoke with escalation manager XXXX XXXX XXXX, who failed to answer why Chase failed to include XXXX of my potential payments for XX/XX/XXXX and XX/XX/XXXX totaling XXXX {$1200.00}. What Chase is doing is essentially dropping some potential contributions but including all potential payments and is asking me to prepay a lot of money based on a skewed analysis. 

I am afraid that many Chase mortage customers are indeed affected by their faulty analysis. If there are XXXX consumers each being asked to prepay {$1200.00} from a faulty analysis, Chase could be collecting interest free XXXX from their consumers. It took me a while to read their confusing escrow analysis statement and am afraid that many consumers would not have time to do it. 

Thank you for your time, XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX
Consumer complaint received 2017-02-26
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MD)

I disputed a charge with a merchant that sold me counterfeit and defective goods. Chase instructed me to contact XXXX to get their opinion that the goods in questions were counterfeit. Specifically, I was told that all I needed was a representative to confirm that the goods appeared fake. I contacted XXXX and was told by their representative that the merchant was not an authorized retailer and that the goods in questions looked counterfeit. I submitted this to Chase, but Chase then closed the dispute in the merchant 's favor because they had not received the requested documentation ... which I had provided. In their rejection letter, they also claim they are not able to identify that the merchandise is counterfeit. That was explicitly what I was told via online communication with a XXXX representative. I even reported it to their counterfeit department per XXXX 's instructions. It makes no sense that Chase would side with the merchant when both XXXX and I am saying that the product is not real AND is defective. Throughout all of this, the merchant has not responded to requests for refund.
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Webcollex, LLC (PA)

A person by the name of XXXX XXXX called my work phone, which is not a direct contact line. When I returned the call they were asking me personal identity questions while refusing to identify why they were calling or who they were calling on behalf of. They were rude, and in the end threatened me and told me I had to make arrangements today to pay today. I had no prior contact from this agency called CKS financial. I also had not heard of the company they claimed to have received my file from, XXXX XXXX XXXX. When I responded that I was at work and could not take the time to handle this phone call, but would look for something from them in the mail, " XXXX XXXX '' told me I better call back on a break today. Again I repeated that I did not have the time to deal with the call today and again I was told I better call on a break. Then she said she would write in my file that I said I would call back today, I told her I did not say that, but she again said I had to call back on a break today.
Consumer complaint received 2016-01-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (IL)

The CFPB recently resolved a dispute ( case number : XXXX ) for me with XXXX XXXX XXXX, regarding a debt that I did not owe. They called to collect {$1600.00} on behalf of XXXX XXXX. However, XXXX XXXX is not legally entitled to collect this money from me, and so neither is XXXX XXXX XXXX. I therefore asked the CFPB to help me file a claim against XXXX XXXX XXXX, which the CFPB did. Indeed, the CFPB ordered XXXX XXXX XXXX to relinquish their claim, and I wish to thank the CFPB for that. 

However, XXXX has attempted to go around the CFPB by passing this same debt on to North Shore Agency. I have contacted the FCC regarding XXXX 's actions, and am now also contacting the CFPB to request that North Shore Agency cease attempts to collect from me. 

Further details of this case are available in the complaint I filed with the CFPB on XXXX XXXX, 2015 ( case number : XXXX ). I have filed similar complaints have been filed with XXXX XXXX, the FTC, and the FCC.
Consumer complaint received 2015-07-14
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Green Square Company LLC. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX Group is calling me saying I have not paid on a payday loan from 2008 saying if I do not pay them I will go to court. I said I want proof sent to my house of this loan default and they said they will not send anything to my house until I give them my credit card information and set up a payment I did that and fell for it and they got XXXX payment of XXXX dollars and then I stopped it. Its been three months since then and noting is sent to my house I now know this is a scam looking up this number on XXXX and the HUNDREDS of complaints about them and this phone number.. I never took out a loan and it never showed up on my credit report ever. So they got XXXX bucks from me and I closed out my debit card. I told them to take me to court then. So they called and said they sent all my information to the county I live in and consider myself served if I dont pay the rest. OVER THE PHONE ON A RECORDING too boot.. So now I know for sure that its a scam. Now they got a hold of my sisters phone number after I have blocked them and probably will be calling my work soon. Please get them to quit calling me they will not give me any information about themselves except the phone number and the name she also said they are located in XXXX New York probably a lie. I know I lost that XXXX dollars that 's not the issue. Just want the calls to stop and a miracle these people go to jail. 

Thanks
Consumer complaint received 2017-03-17
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (FL)

I am unable to log into my Chase Amazon cred account. ( I also could n't apply my promised rewards to my amazon purchase ). I can not logon and see my bill, so I called customer service. They told me I owed {$3900.00}, which I paid on XXXX XXXX. I did n't want to deal with this credit card anymore, so I paid it off. I called back on XXXX/XXXX/17 because I still could not log in and wanted to make sure I did n't owe some small amount that would end up on my credit report or have a positive balance that I was never refunded. I call customer service who told me I overpaid by {$220.00} and they could direct it back during business hours. The service agent transferred me to a manager. I got a customer service manager in " Central FL named XXXX ''. He told me he could n't tell me his last name or employee id #. He still could n't get my online account to work. He told me that they could not direct deposit my money back. This is fraud. I ca n't access my account, they ca n't fix my account, and they wo n't immediately refund the money they fraudulently collected.
Consumer complaint received 2016-09-13
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (FL)

Equifax is refusing to remove old accounts. XXXX XXXX and XXXX XXXX are reporting fraudulent payment history. According to the FCRA I can request for accounts to old to be removed and XXXX is reporting fraudulent history to keep on credit reports. XXXX XXXX is reporting accounts from 2011 when I had been out of school a few years so I could not have receive funding when I was not in attendance of school. Debts began 6 months after school. so either way their is some fraudulent debt reporting, nor do I know anything about funding from this organization. I have never had any payment history with the organization. I have never received any payment information from this organization.
Consumer complaint received 2016-04-26
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO. (DE)

My car was repossessed on XXXX/XXXX/2016 by Chase Bank. I called on XXXX/XXXX/2016 to pay the delinquent amount immediately. I was told the full balance of the loan would need to be paid not just the delinquent payments. I did not receive a notice of acceleration prior to them taking my car. I have received a notice of sale that will take place XXXX/XXXX/2016. I am a XXXX XXXX XXXX currently unemployed and in search of job. After speaking with several representatives from Chase Bank ( I have the names and id numbers ) and begging to make the payments I was refused. I have never defaulted on a loan. I believe this to be discrimination because of my place of residence and the fact that there is equity in the car ( over {$5000.00} ) that I may also lose. Please help I just want to be treated fairly, and not have my car stolen from me.
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/XXXX I visited XXXX XXXX to view a used car with my elderly mother XXXX XXXX, and our close friend XXXX XXXX, during the meeting we discussed financing and the Used Car Manager in plain English advised us that they would require a soft pull or our credit, being an XXXX XXXX XXXX I was well aware that a soft pull would have no adverse effect on my credit or my mothers credit so we agreed. On leaving the dealership we received multiple messages from XXXX that Hard Pulls from multiple lenders had been placed on our credit reports, we dis not authorize loan requests from XXXX XXXX, ally financial, XXXX or any other lender we were merely discussing options. My husband contacted XXXX the XXXX a day later to inquire and the Managed lied directly to him.about the process, all 3 witnesses present clearly understood this was a soft pull and the ramifications of a hard inquiry, I XXXX seasoned XXXX, XXXX XXXX is a retired XXXX  and XXXX XXXX is a Business XXXX, there was no mistake from our interpretation. We would like the Dealership sanctioned and fined for breach of our privacy, manipulation of our credit and the inquiries immediately removed.
Consumer complaint received 2015-11-02
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: The CBE Group, Inc. (IL)

CBE Group has never sent me a letter in the mail for pass due loans. At XXXX point I took out a payday loan back in XX/XX/XXXX and was over charged on interest fees and closed my bank account as they got more then they should by the payday loan company. I reopened my account with a new account number with the same bank. So years later the CBE Group who is a XXXX party maybe trying to collect on the loan which I was over charged on interest and paid back which the loan company wanted more and more. 

Anyway Number that called was XXXX. Called me after XXXX on my way home from work one night last week on XX/XX/XXXX. I picked up the call and the lady seem rude asking what my name was and my social security number with of course what my home address was. I did n't give them that info. I said to the lady if you call my cell phone and think you have the right person send me a letter in the mail. I basically told her to shove it and send me a letter in the mail if you have anything on me for whatever they wanted. So just today XX/XX/XXXX week later they called my dad 's cell phone stating that his son has a bad check. I get a call from my dad and I 'm like I have no idea what they are talking about. I do n't write checks. All my bills are paid online anyhow.. So next time CBE calls I 'm going to record the conversation and let my police buddy take it from there see if I can use any of there harassment against them in the future!!! I want them to stop calling me and they buy these outstanding loans on the pennies and I 'm sure they would love to clear out my bank account. That 's not going to happen because I 'll go to CBE office in Iowa and do matters in my own hands if I have too one day!!! So please make them stop cfpb and do your thing. Thanks
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently submitted my investigation request about this auto loan with XXXX XXXX XXXX and the credit bureaus. I also have court documents proving that this account does not belong to me. Do not close this complaint without sending my complaint to the creditors involved.
Consumer complaint received 2016-10-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (IL)

I had a 60 month term loan, accelerated payments to 48 months in order to payoff loan. Now lender refuses to provide accurate payoff amount based upon payments and date ( s ) received. I wish to clear off the loan, receiver car title and close account
Consumer complaint received 2017-03-08
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (IL)

I was pursuing a dispute with a merchant through Chase Visa 's dispute department. I had already closed the account which was charged. I initiated the dispute in XX/XX/XXXX, and in XX/XX/XXXX received a check from Chase for the disputed amount. I considered the matter resolved. 
Yesterday ( it 's now XX/XX/XXXX ), I received a notice that my credit rating had dropped XXXX points due to this account being delinquent. Apparently, the merchant declined to cooperate in the dispute ; Chase charged back my closed account ; now I 'm in arrears for not paying bills of which I was not aware. 
I have not received a bill or a phone call from Chase. This credit card does not exist in my online Chase account. If it were n't for the credit-monitoring service, I would n't even know about this " unpaid bill ''. 
I spoke with a supervisor in the dispute department who said I could reopen the dispute. He could n't help me with clearing up the hit to my credit rating or remove the interest charges.
Consumer complaint received 2016-10-08
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (IA)

I had to defer my payments to start due to XXXX for my child and accumulating medical debt. Now They say I do not qualify for this. I Thought I was deferred and while applying for mortgage i find out i 'm actually in collections! I wan to start paying now, but can only afford what I can. I 'm not getting these choices. Im trying to consolidate
Consumer complaint received 2016-02-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (TN)

A fraudulent account was opened online in my name. Suntrust Bank was notified that it was opened and it was not me who opened the account. They " said '' they reported it to their fraud team for review and I would hear something within 24 hours or by closing time the next business day. I went to a branch of the bank to try and get help and my accounts were totally blocked. I spent 1 hour at a branch verifying my identity and I was told that only someone from the fraud team could unlock my accounts. I received no phone call from the fraud team within the 24 hours, so i called them. The fraud team at XXXX told me that they can not unlock my account, it has to be done in a branch. I STILL DO NOT HAVE ACCESS TO MY MONEY!
Consumer complaint received 2016-09-07
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (DC)

My father, a XXXX veteran, died in XXXX 2016. I knew he had Suntrust accounts and my goal was to put Suntrust on notice that he was no longer living and to freeze any further checking account activity, especially automatic debits. I went to a local branch of Suntrust with copies of the death certificate ( XXXX in total, all certified copies ). They told me I needed letters of administration identifying me or another person as a representative of his estate in order to freeze his accounts. I told them I found this requirement an unreasonable burden in that no one had presented a will on his behalf yet ( it had only been 2 weeks since he passed away ) and I believe he passed away without a will. In questioning the policy, Suntrust 's consumer complaints ' office said that the copies of the death certificate were not " original '' death certificate. But my copies were certified copies of the death certificate. The local branch would not accept a copy of the death certificate, and Suntrust generally never requested a copy of the death certificate for the investigation of my complaint ( all my copies have official seals ), and the local branch never acknowledged that a death certificate could serve as enough notice to freeze account activity.