davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-28
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (NY)

My debit card was taken from me the beginning of this month and was used to make purchases and withdrawals that were unauthorized by me. When Chase Bank finally notified me of these transactions they assured me that my card was frozen and that I would be receiving a new XXXX in the mail. I come to find the next day that my card was still being used, this time to make online purchases and apparently someone called on my behalf and was able to reactivate my debit card over the phone. I do not believe the representative on the other line asked this person any type of security question because if they did this person would have never been able to obtain the information I provided for the security questions. Later on in that week I was mortified to find out that my bank account was suddenly in the negatives. My money was taken from me and replaced with fake checks that eventually bounced. These checks were forged with my name and I 'm still wondering how this person was able to deposit checks into my account without showing someone a proper form of identity since my ID is still in my possession. I made several claims after that regarding my checking and savings account and all the activity that transpired over a matter of just a few days. The representatives on the phone were rude and very unsympathetic and whenever I called to find out the status of the investigation no one could give me a straight answer which left me on the phone for over an hour. Chase also sent me emails claiming that they would temporarily refund me the money that was taken out of my account and that I had full access to this money until the investigation was over. Later on I came to realize that this was completely untrue, my account was in the process of being closed and that I had no access to it whatsoever. This left me penniless for weeks until I was able to receive my next paycheck from my job. This entire experience has been nothing but a nightmare
Consumer complaint received 2016-12-28
Product: Bank account or service — Savings account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX CFPB Case number : XXXX ] ***** [ Chase XXXX # XXXX ] I previously submitted the above claim numbers. In this complaint I pasted the same information used the above referenced complaint. 

After careful review of the original claim I discovered that I only submitted a claim for the unauthorized transactions committed against the estate checking account and I mistakenly omitted the claim for unauthorized transactions committed against my sisters Estate savings account. I am now attaching the XXXX in-person unauthorized draft transactions Chase bank permitted an unauthorized person to sign checks, order checks, draft money in-person, establish ACH recurring payments from an Estate account. This person had NO authority from the Vermont probate court and also this person had no signature card on file. Also Chase bank allowed the previous XXXX to in-person draft large amounts of cash without any due process to the disposition of the funds. 
On XX/XX/XXXX I was appointed by the Vermont Probate court as the XXXX Estate XXXX for my sister who passed away XX/XX/XXXX Upon my sisters death the XXXX probate court appointed my Mother as the XXXX of my sisters XXXX and this is when the Chase estate account was established. From XX/XX/XXXX to XX/XX/XXXX my mother was in XXXX under total XXXX for almost the entire time until her death on XX/XX/XXXX and was unable to perform her duties as the XXXX. During this time many unauthorized transactions were performed and Chase permitted most of the incidents. Upon my appointment as XXXX on XX/XX/XXXX I went to a Chase banker to establish myself as the Newly appointed XXXX and in XX/XX/XXXX I was granted access to Estate account. During my initial meeting with the Chase banker we discovered multiple discrepancies and files the initial temporary claim. Since this time I submitted a full claim on each fraudulent item in the bank account and I am being denied the claim ( s ) based upon the date I filed the claim exceeded the Chase time window. How can I file a claim for something I did not have access to see? I did not know of the fraud until I was granted access to the account. Since them Chase has pulled back some of the temporary credits not all of them and will not give me a final decision on the remaining. I feel they are hiding behind the date / time period for submitting the claim and in this case I believe the time requirements should be waived so we can receive our returns and begin to deal with all of the fraud in this account. These fraudulent transaction by Chase representatives and my step father should have been prevented by Chase bank instead it looks like they were permitted by Chase bank. My family is torn apart with the death of my sister and a year later my mother and only to find Chase did not perform due diligence to protect my sisters assets.
Consumer complaint received 2016-04-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NV)

My wife and I were victims of bank fraud. Chase bank let a individual walk into there branches and cash forged checks with no I.D just my debit card. These checks had the wrong last name, some he signed with the wrong last name and the amount differed from the numerical and written amount. They are refusing to refund our money Couse I logged onto my account several times during the time this was going on.. When I logged onto my account all I look is at the balance and the times I logged on the balance was around were I thought it should be cause he was cashing these $ XXXX+ dollar fake checks with no I.D and letting him withdrawal {$3000.00} with no I.D.. He was keeping the balance around the same. Around three months later I found out the individual that stole my identity, was pulled over in XXXX XXXX XXXX and tried to show a fake I.D saying he was me. I then contacted the XXXX XXXX police department and notified them I wish to press charges. I told them I did know the person but have not talked to him in a long time I once considered him a friend but kicked him out of my house at a XXXX party and told him not to come back. I then notified chase bank immediately on who the individual was and where they could be contacted. they still denied my claim. during this process they said our account 's were frozen, but the let XXXX of my wife 's checks get deposited and XXXX of mine, along with a company expense check. I had to sell all my stuff to just feed my family and pay the rent. I was already struggling prior to that cause of emergency situations in the family. I believe Chase knows I can not afford a lawyer to sue I combed the XXXX XXXX looking for anyone help us but none will do it with out payment I simply can not afford it. I can barely pay my bills now and my credit is a XXXX times worse and I do n't know what to do. I filed police reports, identity thief reports, I tried everything. This guy used my name from XXXX to XXXX to XXXX to XXXX and even getting felony warrants out for my arrest in other states for check fraud when I was on XXXX XXXX XXXX XXXX here in XXXX. Chase then notified me via text message about a charge in XXXX asking if it was me 5 days it took them to notify me after he spent over {$10000.00} in cash withdrawal 's and debit purchases.We never had over {$3000.00} in 5 days I believe. I do n't know what to do.. 
Thank You XXXX XXXX
Consumer complaint received 2015-04-17
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (CA)

I received a phone call today regarding debt for a card/bank account that I never had. These people also called my wife, my uncle, and my work. When I called the phone number, they informed me that I had 50 minutes to pay the settlement amount or they would take me to court to pay almost double the settlement amount. I have never received any papers in the mail or via a process server from these people as they have claimed. They threatened me verbally over the phone, and I am XXXX and I do not need this now.
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (VA)

I received an email from Marriott on XX/XX/XXXX with an offer to spend {$50.00} at XXXX on my Marriott credit card and get a {$20.00} statement credit. I registered for the offer, then bought a {$50.00} XXXX XXXX gift card ( XXXX XXXX is a XXXX brand ). 
I sent a message to Chase ( the provider of the Marriott credit card ) on XX/XX/XXXX as I had n't received the statement credit. They advised I 'd have to wait 6-8 weeks for the statement credit. 
I still had n't received the statement credit after 8 weeks, so I messaged them on XX/XX/XXXX requesting the credit. Their first response was that I had to wait 6-8 weeks, so I responded that I had waited that long. Their next reply was that I would n't be receiving the statement credit because gift cards were excluded. 
I 'd carefully checked the terms and conditions of the offer before buying the {$50.00} gift card and there was no mention that gift cards were excluded, so I responded to Chase to advise them of this. They replied that there was an exclusion, I replied that there was n't, and so on for several messages. 
I 'll be attaching several documents as proof. The first is the email Marriott sent me which does n't mention a gift card exclusion ( Marriott email ). The second is a cached copy of the registration page for the offer which does n't mention an exclusion for gift cards ( Marriott XXXX Terms - 1 ) .The third is a copy of the terms and conditions for the offer which do n't mention an exclusion for gift cards ( Marriott XXXX Terms - 2 ). 
I 've also attached copies of my correspondence with Chase. As you 'll see, the bullet-point terms they list in their replies match the terms on the registration page and make no reference to gift cards being excluded. 
As there is clearly no exclusion for gift cards that customers were advised of, they should n't be adding these arbitrary exclusions when every single condition of the offer has been satisfied.
Consumer complaint received 2016-07-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NJ)

On XXXX 2016 I deposited a third party check which was a settlement for my friend XXXX XXXX. Chase requested that she produce ID. on XXXX XXXX we went to the Chase bank in XXXX and all she could provide is a XXXX XXXX ID and they would not accept it. If she had proper ID she would have opened an account. On XXXX XXXX my account was closed at which time since the check cleared I should have received a refund check for the balance. They are hold the funds for approximately 2 months. The payer, her lawyer XXXX XXXX XXXX has called to confirm that she is XXXX XXXX and that she gave permission for me to cash the check. She is homeless and needs these funds. Chase should have either returned the fund to XXXX XXXX XXXX XXXX 's account or provided as certified check. This is unlawful for them to hold these funds
Consumer complaint received 2016-07-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NJ)

Our checking account was emptied via XXXX fraudulent wire transfers on XXXX XXXX, XXXX. We have not yet received our money back from Chase Bank who is telling us that they have 30 business days to investigate and decide whether to return our funds.
Consumer complaint received 2016-11-14
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IA)

A protective order, a divorce, a complaint with the XXXX fraud unit on XX/XX/XXXX internal invest. On my complaint processed, I was offered an assumable loan, I was in the process of going through my credit union, not legal represented, false filings with court, no signatures or knowledge of PERMISSION from myself, not even served papers, no affidavits by me as joint owner, approved by XXXX XX/XX/XXXX, I took my home 3 x off of sheriff 's sale block in 6 months, paid XXXX mort, payments, bank rep told me no modification even under a protection order and a pending divorce, they only look at numbers, but quit claim deed would be the only way. I was put in a false modification XXXX XXXX by bank representative and my ex without My signature, knowledge or permission, income and other pertinent info., Just a handwritten XXXX letter dated XX/XX/XXXX, from my ex to the bank representative. I was discriminated as I am XXXX, XXXX XXXX since, XX/XX/XXXX and marital status, XXXX, all parties guilty had info on the foreclosure but myself, was not given the right to obtain legal counsel, breach if confidentiality as all my personal info was released with my social security. Etc., all personal information was sealed with the courts XX/XX/XXXX. My income is well above the qualification level. XXXX escalations unit did not contact me or provide a conclusion to my mortgage fraud complaint. I was penalized for??? Criminal charges are my recommendations.. I lost XXXX in equity. I also am an identity theft victim XX/XX/XXXX, identified by the FBI ....
Consumer complaint received 2016-06-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

JPMorgan Chase Bank , N.A . XXXX XXXX XXXX, XXXX, OH XXXX. Notice of Substitution of Trustee was filed XX/XX/2015. On XX/XX/2015 lender did n't get order and has not moved forward. The homeowner has been gone for over a year & the property is in bad shape. Would like to know why it is taking so long to foreclose on this property. The HOA is having to report the property to the City to see if they can do something.
Consumer complaint received 2015-04-14
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (RI)

I was called on my cell phone by a man name XXXX XXXX, i was then transferred to a man named XXXX XXXX from credit card services. from there we called XXXX of my credit card companies to ask for a lower interest rate. they prompted me that I would owe XXXX $ and were aggressive in telling me i could not get off the phone or they would charge me. they had all my credit card information and last XXXX digits of my social and my cell phone number. it was a very bad experience. i was transferred to the supervisor after i said i did not want to continue. his name was XXXX XXXX. the number they gave me was XXXX, ext, XXXX.
Consumer complaint received 2016-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (OR)

I have been trying to get Nelnet to properly update my loan to reflect my changed income. I have been trying to get this resolved since XX/XX/XXXX. I have spoken not only to various representatives but a supervisor and the solutions center. Instead of resolving the issue they keep asking for the same info I have already sent which I resend anyway. In addition, they have had me capitalize the interest due to their errors. I have not been able to get consistent answers. This has been a problem for 3 years now.
Consumer complaint received 2016-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (MD)

i changed my name from : XXXX XXXX XXXX to XXXX XXXX non of the credit bureaus have updated my personal info and now i have no credit i was told to submit faxes/upload online to all XXXX credit bureaus and they have not updated my credit i need my credit
Consumer complaint received 2016-08-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (FL)

Fay Servicing is sending people to my home and trespassing on my property in an attempt to collect a debt from my deceased father. I am in Florida. The property is in Connecticut. I am in no way associated with my deceased father 's mortgage or property. I have requested the company to stop sending representatives to my property and I was told they have no control over who comes on to my property. My father is not listed as an owner on my property and my mortgage is up to date.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Equifax, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) these accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), Equifax has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shows no creditor name and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. # XXXX, # XXXX, # XXXX
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

My mortgage is serviced by XXXX XXXX Loan Care. I have repeatedly asked to receive mortgage statements before the first of the month to ensure my payment is received in time. XXXX XXXX Loan Care LLC has routinely sent out my monthly statements delayed so that there is no possible way to submit a payment by mail with enough time to avoid a late fee. I have repeatedly requested via email and by talking to customer service directly over the phone and have asked to have statements mailed out earlier. To date they have failed to honor this request and continue to assess late fees. I need help getting this remedied. XXXX XXXX should not be allowed to remain in business.
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (AR)

A person who was not authorized charged about {$18000.00} to my Chase credit card. I reported it to Chase on XXXX. Chase originally gave me credit for the loss, but then reversed the credit. My understanding they have 60 days to finalize their findings. They have left this file open for over 1 year. I have corresponded and talked to them numerous times and they just give me the run-a-round. I want these fraudulent charges reversed and have them give me back my money.
Consumer complaint received 2016-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

I obtained a mortgage with XXXX and they sold my mortgage to Chase. Chase is a terrible mortgage service company. I paid them in XX/XX/XXXX and they did n't post my payment. Then when I tried calling them to resolve the issue they punted me to some call center in XXXX. Needless to say they did n't help me and the customer service was terrible.
Consumer complaint received 2015-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NC)

I have a case pending # XXXX that seems to be going nowhere. It appears that Chase can do whatever they will to me with no help from my government agency. I have been complaining since XX/XX/XXXX about the predatory rate and the fact that the loan was made to me by an unlicensed lender and sold to Chase. They have had BPO 's done that inflate my property value so I can not qualify for the HAMP or HARP programs to save my home.I have given them evidence of major repairs so they can work with me but they ignore any info I send to them. I work with homeowners everyday as a real estate broker and I know I can qualify for these programs and I know my market area. The investor XXXX XXXX XXXX will not allow me to take advantage if any these beneficial programs. It appears CFPB is more interested in protecting Chase instead of me.I am attaching the most recent comps in sales in my neighborhood for your review. My home in its present condition will sell for about {$200000.00}. The most recent BPO has it at {$320000.00}. The one before that was {$450000.00}. They have no evidence of any sale in my neighborhood for no where near that price. I am having a home inspection done today and I will forward it to you. I have disputed the decision for them to deny me a fair principal balance reduction and rate reduction. They claim to be reviewing and will let me know by XXXX/XXXX/15. I do not believe they have any intentions of doing anything different than asking for current up to date payments and or deed in lieu or shortsale. This is the way they handled the last request. It would be nice if I can see something you all are doing for me except sending me reply after reply saying absolutely nothing. Thanks in advance for your assistance.
Consumer complaint received 2017-02-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (CA)

This is a charged off debt - I am homeless and go online at the library, see this debt collector is reporting this old charged off debt on my credit still homeless with XXXX child, this debt collector keeps sending letters to a place I do not live - please advise if this is not fraud?
Consumer complaint received 2015-05-06
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MN)

To Whom It May concern, I had attended XXXX XXXX XXXX, XXXX XXXX MN between XX/XX/XXXX XX/XX/XXXX At the end of every quarter, the financial aid office had me sign documents, that ultimately would be high interest rate ( XXXX12 % ) private loans, without really explaining what the loans were or providing any additional options for financial aid. I did earn a XXXX degree, however, I have been on countless interviews over the last 5 years, and no one in the field recognizes my degree nor do any of my credits transfer. As a result I have XXXX in student loan debt, XXXX of which are private loans that are unable to be lowered or postponed. I must also include that I am an adult XXXX ( XXXX ) - I had attended the school because I was interested in XXXX- I struggled with being in class, but made the school very aware of my XXXX. They promised to assist me with finding a job after graduation, but I have not heard anything from them since the 5 years after. Also XXXX has really affected me from being able to interview well enough for a job that would be pay enough to even pay off these loans. I work at a XXXX, making {$15.00} an hour. My student loan payments are more than half of my take home pay- XXXX XXXX ( navient ) refuses to help me at all with my private loans. If I had known the interest rate or had a better understanding of the financial burden that XXXX XXXX has placed on me, I would have attended a different school. Thank you for your time and any assistance.
Consumer complaint received 2015-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NY)

XXXX referred by New York XXXX to file complaint in re arbitrary failure to provide reasonable Chase Mortgage account # XXXX loan modification relief in violation of Settlement agreement, Consumer Protection provisions etc. Please review this matter and advise. My email is XXXXXXXXXXXX