davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (OH)

I applied for HARP Refinance through Chase Bank XX/XX/XXXX. Assigned Mortgage Representative was XXXX XXXX. The loan fulfillment coordinator assigned was XXXX XXXX. XXXX XXXX does not act as a suitable liaison between Mortgage Underwriting and her clients. She is incredibly rude and disrespectful boarding on discrimination to her clients. Per telephone conversations, she has informed me that Chase Bank handles their perspective mortgages in a purchase-first-refinance-second basis. Meaning, any refinance comes second to any purchase she had been assigned at the time. Thus the reason for my lengthy refinancing process. I provided all required documentation for loan submission as requested in a timely fashion. Every loan is different, thus different time frames for loan closing. As of XX/XX/XXXX, we are still actively trying to complete the loan. As this has been an incredibly lengthy and stressful process, my particular situation was escalated to XXXX, then further escalated to XXXX XXXX. I was then informed the entire process was being held up by a lien release from a financial institution that no longer exists. Chase Bank has acquired various financial institutions in the past, along with their customer files. They have misplaced an internal document of a lien release XX/XX/XXXX. I did not misplace this lien release. I have never had this lien release in my possession. Chase Bank has informed me they will not make an exception on this matter.
Consumer complaint received 2016-05-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (AZ)

I received a title loan on XXXX XXXX of {$2200.00}. The title agency charged me an extra {$3600.00} for acquiring the loan. The loan also- had an interest rate of 118.28 %. I made over XXXX payments of {$380.00}. 
I had to file for bankruptcy due to my husband passing away and my financial status. The bankruptcy was filed on XXXX XXXX and discharged on XXXX XXXX, XXXX. The title loan agency was placed under the bankruptcy. Despite the closed out bankruptcy I continued to pay the agency. I became two months behind on XXXX XXXX and the agency came to my place of work and took my car. My son offered to bring the account current, but the agency added several thousands of dollars making it impossible for us to get my car back. Please help!
Consumer complaint received 2015-03-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

Due to financial hardship, I have been unable to pay on XXXX of my student loans. I have been struggling for months and have contacted the lender via email and written letters. The only response I receive is that I must contact via phone between certain hours. I have told them multiple times that is impossible due to my work schedule. They have written and offered to settle or make arrangements and when I write them back they always state they can not help unless I CALL them. It 's as if they are purposefully contributing to the default my account has now entered. They last letter I received states that default will occur on XXXX XXXX, if I do not contact them. I checked my credit report and they had already reported default and placed with a collection agency ( 2 weeks prior to their date ). I emailed them regarding the situation and still they will not discuss anything in writing ONLY by phone. This makes no sense to me. 
I can not consolidate the loan to another lender now that this situation has caused my credit report to go from XXXX to XXXX!!!! 
What can I do?
Consumer complaint received 2016-05-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NY)

I opened several accounts at the XXXX, NY Chase branch on XXXX XXXX : checking, savings and XXXX credit cards. I already had a credit card with them. I completed all the documentation with the banker and provided all the original ID required ( SS, driver license, passport ). He scanned everything and I went home. He called me the next day and said he forgot to ask me to write my name on some form. I went back to the branch, completed a brand new form and left. A month later, I received a letter from Chase saying they coul n't verify my SS. I called them to ask what it was about since the banker had had my SS twice in his very own hands and scanned it twice. I had to complete another form and I took it ( again ) to the branch. The banker called the service responsible for this situation and asked them what he should do. They told him to send ( again ) the form with the scanned SS and other ID, which he did in front of me. After wasting a few hours on this matter, I thought the matter was settled for good. 

On XXXX XXXX, I checked my accounts on Chase website and discovered my XXXX credit cards accounts had been closed without any warning. I called customer service and they were unable to give me a reason why they would do that. On XXXX XXXX, I went to the local branch, my banker called them and those idiots said they had n't received the completed SS verification form that was sent them THREE TIMES. So I completed the same form all over again, the same banker scanned the same SS card and send it to the same idiots. My banker apologized profusely and told me everything would be back to normal within two days ( that is what he was told over the phone ). The next day, I discovered my banking and savings accounts had also been frozen without any reason nor warning. 

I finally received on Friday XXXX letters, XXXX dated XXXX XXXX and the other without any date, stating my accounts had been frozen and/or closed because they could n't verify my SSN. Fed up with wasting my time going to the branch, I called my banker so he would take care of the situation. He went back to me and said my checking and savings accounts had been unlocked and the credit cards would be restored within 5 business days. That should have been on XXXX XXXX, over a week ago.
Consumer complaint received 2017-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (NJ)

I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX Account Number : XXXX 180 days past due as of XX/XX/XXXX to XX/XX/XXXX 150 days past due as of XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.
Consumer complaint received 2015-04-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MI)

Our son purchased a vehicle and had it financed through Chase Bank. Our son XXXX XXXX XXXX, 2015. We contacted Chase Bank in XXXX and sent XXXX Certificate and account information to Chase Bank probate department as instructed. In XXXX we received past due billing notice, again. Again we contacted the customer service department and were assured that it would be taken care of. It is now XXXX and we have received a past due and collection notice from Chase at " our '' address. Our son lived at a different location and his loan had that address. Amazing they got our address but not the other information? Also, the vehicle was recovered by Chase Bank in XXXX.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

XXXX branch have been closed in diverse socio-economic locations. This is causing struggle and harm to people & businesses in the area. The locations at XXXX XXXX XXXX, XXXX XXXX CA XXXX and XXXX XXXX, XXXX, CA XXXX. I find this unacceptable that residents and business owners are forced to go over a XXXX away for another branch. These branches are staples in the community and have been in operation at these locations for several decades.
Consumer complaint received 2017-01-05
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

hello My name is XXXX XXXX I am a former XXXX school student, the school that forced to sale their foundation by the department of education for providing false education anyway I am applying for the loan refund, however my issue is that when the school got us to sing for the privet student loan from an agency called XXXX. after a period of time I received an email saying XXXX is not my loan provided anymore. And University accounting service LLc became the new provided service that I have to pay back to them. my problem start here, my bill is {$120.00} a month. I am paying that amount for couple of months but every month I have interest accrued, when I asked them by phone the lady told me because I am paying the Miniman .then I paid {$300.00} for tow month that 's double the amount, but still interest accrued. after that I have contacted them by phone and email to send me the loan and interest polices to understand why interest accrued to avoid paying interest no one did what I have Asked for. no body provided me the polices. just what I am asking for is that they do n't want to provide me information about my dept. I do n't know now if they charging accurate or not. 
thank you the company website is XXXX my email is XXXXXXXXXXXX my phone is XXXX
Consumer complaint received 2017-01-21
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (CA)

I have a XXXX XXXX XXXX credit card issued by Chase Bank. There is a {$95.00} annual fee for this card. Chase provides a year-end summary that can be downloaded from their website. This summary shows all charges by month and by category. But this summary does not include the annual fee.
Consumer complaint received 2016-01-22
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (MI)

I purchased a van with an auto loan with Chase on XXXX 2015. On XXXX 2015, I refinanced the auto loan with Chase. I signed and sent back the new loan, and the phone representative and the branch employee informed me the old auto loan will be paid with the new auto loan. It has been 3 months now, but the old auto loan is showing I am delinquent, I received letter from Chase saying my loan is past due, and my credit score has dropped from XXXX to XXXX. I have called the Chase auto loan dept, and they have escalated the matter but it has been 3 months and counting.
Consumer complaint received 2017-07-19
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 submitted a dispute with court documentation about a collection agency on my report called XXXX XXXX XXXX over 30 days ago, and I have not received a response from all 3 credit bureau 's.
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2015-12-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (MD)

Mortgage loan number XXXX Chase Mortgage originally offered lower rate through HARP in XXXX 2014. Lack of communication resulted in me missing the deadline for submitting insurance documents and I was informed the HARP was no longer available but could reapply for another program. I twice inquired about why I was not notified about the missing document but have only gotten conflicting information. 
Thank you.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (IL)

Today ( XXXX/XXXX/16 ) I was reconciling my Chase Mileageplus Visa statement received on XXXX/XXXX/16 and noticed that the credit card company charged my an annual {$95.00} fee. When I signed up for this card it was a free card - I did not realize that the fee was only waived for 1 year. I did not receive any notification that I was being charged the {$95.00} nor did I sign any kind of charge slip or acknowledgment to pay the {$95.00}. It was just placed on my account. I called the Chase Mileageplus Visa today to cancel the card and was informed that I am past the 30 days from the statement date ( XXXX/XXXX/16 ) and therefore the charge will not be refunded and they will not prorate the charge. I am 9 days past their deadline, and I explained that I just noticed the charge. I suggested that the charge be prorated and they refused to do that. Again, I did not receive any communication letting me know that they were charging me {$95.00}. I spoke to a manager who could not do anything, and she indicated that I could mail or fax information to headquarters or some place. A fax machine in 2016? I asked for an email and she indicated that they did n't have one. 

In addition to the annual fee, one of the reasons that I am cancelling this card is because the XXXX XXXX passes that they offer as a benefit are not be accepted at many of the locations including my home airport in XXXX. It is very deceptive.
Consumer complaint received 2016-01-15
Product: Credit card — 
Issue: Bankruptcy — 
Company: JPMORGAN CHASE & CO. (CA)

Chapter XXXX was discharged in 2012. I did start to build my credit again. XXXX XXXX has just increased my limit from {$300.00} too {$500.00}. XXXX gave me {$700.00} which I never used, so then they dropped it to {$500.00}. XXXX XXXX XXXX gave me a XXXX XXXX, and XXXX gave me a {$2000.00} MC. While checking my score XXXX on XXXX XXXX I notice it had dropped XXXX points because I had used too much of available credit. 
XXXX XXXX recommended I apply to Chase Slate because it was a good chance I would be approved for a debt consolidation card at a lower interest rate. 
I applied and they denied my application in a letter stated " Your credit report reflects a bankruptcy '' NO OTHER REASON. 
I thought after one files Chapter XXXX they are a good risk as there can not be another discharge for 7 years. 
I believe that this is discrimination.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

My original complaint against Equifax was filed under XXXX. I just received notification that case was closed upon Equifax 's response. HOWEVER, I don't understand how their response even begins to address their failure to add an extended 7-year fraud alert to my credit file after MULTIPLE requests to do so. 

Here is their response : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : NON REPORTING DISPUTES Collection : AT & T MOBILITY THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.
Consumer complaint received 2017-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

I feel that I have continued to make paymentsure and my account is n't decreasing the correct amount. I have the account number and information that I will provide. I am also an  XXXX  and do n't have the income to continue to pay amounts that are n't correct. I owe under {$3000.00} and they are in a lawsuit for this correct issue. I attended school from   XXXX - XXXX   at  XXXX   XXXX  University.
Consumer complaint received 2016-08-07
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. ()

On XXXX XXXX, 2016 I desperately submitted a complaint regarding JP Morgan Case. Case # XXXX. CFPB. 
Now again I am coming back requesting the same. I have continue to provide various loan modification packages to Chase to no success. I want to preserve my home. I am more stable now than ever. This is my primary residence. It is my understanding that CFPB is here to protect the consumer. I feel JP Morgan is giving us the run around .What else do we need to do to proof that I am out of those hard time and I am able to take responsibility for all that I s due. All I am asking is for a work out plan that is affordable. 
I need another chance. I just received notice that with in 60 day I will be out of my home Please advice of any out come. I will be contacting also HUD.
Consumer complaint received 2016-11-22
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: FC HoldCo LLC (MD)

I am an admin at a company. The bill collectors call for a particular employee and asked to speak with him or his wife ( Who is not employed by us XXXX. I have explained to them that this employee is not reachable through the number they are calling, and asked them to end the collection calls at this number, but they continue to call. The callers also refuse to explain what company they represent, which makes it impossible for me to submit a written Cease of Communication. 
After a Google search, I was able to find the Credit Company online, and I will file a cease of Communication with them ASAP. That being said, prior to me sending the Cease of Communication, their tactics were harassing and unethical. 
The Company : Flagship Credit Acceptance XXXX, PA XXXX
Consumer complaint received 2021-11-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2016-06-08
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OH)

I have contacted JP Morgan Chase Bank in Ohio several times in regards to an unauthorized debit of {$330.00} that occurred on XXXX/XXXX/16 on my checking account. The bank has repeatedly refused to allow me to dispute the unauthorized transaction without any explanation as to why.
Consumer complaint received 2015-07-30
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (AR)

I took out an 18 month 0 % interest from my Chase credit card. It was due XX/XX/XXXX ( meaning XX/XX/XXXX ) but I thought that it meant XX/XX/XXXX. The due date on the card for the monthly payment was something like XX/XX/XXXX, I paid the balance off on XXXX XXXX to avoid any interest charges. They still charged me {$80.00} in interest. I contacted Chase 3 times, they told me that it was due to my billing cycle which ended XXXX XXXX, and that there was nothing that they could do, they could not even take the interest off. You pay a fee when you do these things, so I know they made their money, but they had to trick me into thinking that the due date was XX/XX/XXXX in order to make a little more. Although I had been a customer since XX/XX/XXXX, this did not matter, I payed the interest and canceled the card. Then someone told me I should do this.
Consumer complaint received 2022-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (ID)

I currently bank with Chase JP Morgan in XXXX Idaho my branch is off of XXXX XXXX, I used to bank with XXXX  XXXX  and JP Morgan bought out XXXX  XXXX  I had a business account as well as savings account and a personal checking account with XXXX  XXXX. I can not receive any of the old information on the business account which I believe is still open under my own social security number at the calendar on the telephone JP Morgan and Chase are the rudest on telephone company I have ever had to deal with banking. When I asked for a deposit sweep or investment sweep to happen for me they had no one in the office that could do that I had to make an appointment with an officer who would come in to do that with me I brought my paperwork in the gentleman sitting in front of me quite literally never logged on to the computer to do this week and while asking advice on what to do with my investments now he assured me that CDs were not the proper place to put my money I'm not sure how they know what is going on with my name or social security number if they never even log on to the computer in front of them.
Consumer complaint received 2016-08-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (AZ)

I received a check from my aunt from a family trust account for {$7600.00}. I opened a new account with Chase Bank with this check. After three days, when these funds had not been posted to my account I had a bank officer contact their office and learned that they were holding the check to confirm that it was valid. I called my aunt, who contacted the XXXX XXXX Bank and confirmed that the check had cleared XXXX XXXX. When I had my local Chase Bank officer forward this info to their main office, they reported that they had tried to contact my aunt with no success. I then instructed the branch manager to close my account and return the funds. After two weeks I still have not received my funds, but Chase has closed my account.