davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

The servicing for my loan recently transferred from XXXX to Chase. At XXXX ( and any of the prior servicers I have had in the past ) I was able to make bi-weekly payments. Chase does not. I called their support line and I was informed that 'Chase does not advice bi-weekly payments '. Furthermore, I was instructed that if I made bi-weekly payments I would need to call them to make sure the funds were applied correctly because they were not setup to handle bi-weekly payments. 

The fact that Chase does not advice bi-weekly payments completely contradicts all other financial institutions in terms of how to effectively pay down a mortgage and minimize interest payments. And the notion that I should call in each time I make an extra payment to ensure funds are accounted for correctly is frightening. XXXX would hope that Chase could handle this basic loan accounting themselves. 

Please recommend that Chase offer the proper options to those people with mortgages that are serviced by Chase. We should all be entitled to make bi-weekly payments if we choose and feel confident that Chase can process said payments correctly. 

Thanks in advance for you help and support.
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I went online to make a XXXX payment a on my Chase credit card and accidentally used a XXXX account that was not my bank account ( my name isnt on this account ) to make the payment. That day when I discovered my mistake I immediately called Chase and had them cancel the payment from the XXXX account. They cancelled the payment and also reversed the payment so they ended up depositing an additional XXXX to that XXXX account that was not my bank account. When they discovered their mistake they charged my credit card account for the XXXX they mistakenly deposited into the XXXX bank account. I have NO access to this bank account and have NO way of recovering the XXXX that THEY deposited into someone elses bank account. They are charging me for their mistake and after speaking with the floor manager at Chase ( XXXX ) he informed me that they would not take the XXXX that they added to my credit card balance to make up for the money they put into someone elses bank acocunt off of my account.
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (FL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2015-03-26
Product: Credit card — 
Issue: Balance transfer fee — 
Company: COMMERCE BANK (IA)

I applied for a new credit card so I could take advantage of a zero percent interest rate on a balance transfer. With my application I requested a {$7000.00} balance transfer to pay off another card. I was only approved for {$4000.00} and Commerce Bank automatically did a balance transfer for {$3800.00}. They added a balance transfer fee which put me over my new credit limit immediately. I did n't ask for the XXXX amount at any time. I am concerned about negative credit reporting and additional fees and even the lose of my new zero percent interest rate. I feel this is against the Fair Debt Collections Practices Act, Fair Credit Reporting Act and is not fair and responsible lending to set me up for failure in this way. I called the bank and they said they do not report on my card. I would like my credit line increased or the balance transfer fee waived so I 'm not over my limit. I also want confirmation this will not impact my zero percent interest rate.
Consumer complaint received 2016-03-24
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

To whom it may concern, I have sent you a complaint three times. I have asked for answers to my question I still have not received these answers from chase. When someone applys money incorrect and will not explain to you why or where it is, is n't that fraud.Well i need answered to these question and chase is lying to you by saying they have answered these questions cause they have not 1. I sent copies of receipts showing I paid extra into escrow they have yet to tell Where the money is. I want it refunded or put into escrow.I paid at the bank is why I have copies and proof of what was paid and how much They told me the do n't accept extra money on escrow but the payment stub has a option to do so. 

2.Send a copy of the checks I wrote them There are 31 checks they show on the history that are one amount but in reality there is more money paid they show less. example below : XXXX wrote a check XXXX which was XXXX, XXXX extra to go in escrow They show on their records check amount was 914.93.There are 31 payments like this and none of the extra money was applied to the escrow. Is n't this fraud. 

3.On XXXX I wrote a check to them for XXXX its shows no where that it was applied. Check number number XXXX.Where is the money 4. I show on the history transaction sheet they sent me that there was no money put into escrow in the months of XXXX, XXXX, XXXX and XXXX XXXX. 

5. I show no interested added to my escrow since XXXX/XXXX/XXXX. 

6. When they did reverse they still never entered the correct amount. 

7.On copies they sent me there are many payments not applied to my account.Example below XXXX/XXXX/XXXX and XXXX/XXXX/XXXX both payments show suspense and never applied and in the copy they sent me it shows unapplied to the right.Then they have lots of money listed as curtailment and not applied.and listed as supsence 8. They purchased Washington mutal and my question to them is why do my statements say escrow and principle but no money was ever applied to the principle on the loan have those copies also. 

I feel that something is going on with my payments and the money that I have given them i want some answers please.They Tell you they have sent answers they have not answered all questions. 
They did a mod on my house and it was when my house was under water and they never offered any of the programs out there Amount of the payout. Borrowers who submitted a valid payment claim form through the XXXX received a check for approximately {$1400.00}. Checks first went out between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. ( The initial deadline to make a claim was XXXX XXXX, XXXX. ) Refinancing for Underwater Homeowners XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-07-03
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO. (CA)

I have credit cards with XXXX XXXX XXXX, Chase, XXXX Bank and others. I paid for the protection insurance if I lost my job or was injured, the amount owed would be removed. None of them honored this policy and I paid extra for this service. I provided them with the documentation from the unemployment insurance of California yet I am constantly harrased and threatened by their agents relentlessly. They have called my relatives, friends, even my church. It seems that they have a copy of my phone bill and called every one that I may have had contact with. I do not know what to do as I took out the insurance policy with each of them and they should honor it as I paid for it.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (AZ)

Describe what happened so we can understand the issue ... 
I have a chapter XXXX bankruptcy listed on my credit reports with all XXXX credit bureaus. According to FCRA 623 ( a ) ( 5 ), if the credit bureau can not VALIDATE the information, they must remove said information from my credit file. The United States Bankruptcy Courts DO NOT report any activity to credit bureaus nor do they verify that the information reported is accurate because Federal law protects the privacy of most personally identifiable information reported. Credit bureaus however actively search public records for any judgments and tax liens through third party research. I would like these markings of bankruptcy removed from all XXXX credit bureaus because of defamation, negligent enhancement of identity fraud, and violation of the Fair Credit Reporting Act.
Consumer complaint received 2016-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (PA)

I have had XXXX problems this calendar year with my student loan lender misapplying funds for a consolidated payment paid by personal check. I have XXXX federal loan and several private loans consolidated into XXXX payment, which has been the case since XXXX. The first time there was a problem in XXXX, the lender moved XXXX penny from the federal loan to one of the private loans, and put the federal loan into past due status. This was resolved during a telephone call but I am very concerned about what led to the company tampering with the payment. Also, I discovered this problem when I received an invoice for an odd amount, and called them, at which point I was advised that I was past due. This lender always confirms check payments by email and telephone payments by letter or email. In the case of this overdue status, I received no communications about the problem. All of my email and other addresses are current. In XXXX, XXXX, I again received an invoice for an unusual amount and called them to inquire. This time, they are claiming that the check I sent was deficient in the amount of {$.00}. This is wrong, I have the XXXX statement, and I wrote the check for the correct amount. As a result of their error, I was put into past due status on XXXX private loans. I corrected this on the telephone by making a {$1.00} payment to each loan. I am very concerned about these repeated errors, and the failure of the company to notify me when there has been an issue. I am also concerned that their errors could impact my credit rating. I have not made a late payment in the 14 years that I have paid on this loan. Earlier this year, I paid off one of the private loans and it was shortly thereafter that the problems began.
Consumer complaint received 2016-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EVERBANK, NATIONAL ASSOCIATION (OR)

In XXXX we were having financial difficulties and having trouble making our mortgage payments. We tried to get a loan modification with XXXX. We were told we would not be considered for a loan modification unless our loan was in default and we were current. As soon as we missed our 3rd payment our loan servicing was transferred from XXXX to Everhome Mortgage. We then tried to get a loan modification with Everhome, and were told over and over again to resubmit documents and paperwork. In the meantime, we were issued a summons for foreclosure. Everhome stated in the summons that they had filed an affidavit and did not have to provide us with any type of mediation. XX/XX/XXXX our loan servicing was transferred to XXXX. We were given a new loan number and a new address to send payments. We then filed for a modification with XXXX. But Everhome continued with the foreclosure process. I filed a complaint against Everhome with the cfpb in XXXX of XXXX. At this time, Everhome assured me that XXXX had been handling my foreclosure the entire time. They also stated that they were in the process of substituting XXXX as the plaintiff on my lawsuit. But a judge ruled in favor of Everhome on XXXX XXXX XXXX. The judge said that our foreclosure could not be dismissed because Everhome had filed for the affidavit and was exempt form the requirements of ORS XXXX. He said that the did n't have to provide us with any mediation. I do not understand how a judge could rule in favor of Everhome in XX/XX/XXXX, when in XX/XX/XXXX, they stopped servicing our loan. And in XX/XX/XXXX, Everhome stated in their response to my complaint, they were not handling my foreclosure, and were taking their name off of my lawsuit. XXXX, the current servicer, is not in compliance with ORS 86.726. XXXX is not compliant with ORS 86.726. It has been confirmed by the courts that even now, as of XX/XX/XXXX, Everhome is the plaintiff on my lawsuit and has been the entire time. Even when I had a modification pending with XXXX. They should not just be able to swap places on my lawsuit. XXXX should have to comply with ORS 86.726 before bringing forth their own lawsuit. It is now clear to me that Everhome was not being honest back in XX/XX/XXXX when they stated they were removing themselves from my foreclosure, and that is has been XXXX the entire time. It is clearly still Everhome that is handling my foreclosure.
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MD)

On XXXX XXXX, 2006 we refinanced our mortgage and entered into XXXX mortgage loan agreements with XXXX XXXX XXXX XXXX. The XXXX loan was for {$560000.00} at 6.375 % interest for 30 years. The first 10 years payment was to be interest only. The XXXX loan was for {$88000.00} at 8.297 % for 14 years 11 months with a balloon payment on the last month of {$69000.00}. 
The loans were subsequently sold to Washington Mutual Inc. ( WaMu ) who also sold them to Chase Home Finance, our current mortgage company. 
When we first signed with XXXX XXXX XXXX XXXX, we were made to believe that at end of the first 10 years, we would revisit the mortgage interest rates and we would be given the rates that would be prevailing at that time. So we took the gamble and hoped for the best. 
XX/XX/XXXX, which was the end of the first 10 years, we were hoping that Chase would let us know our new interest rates for the remaining loan period and we were hoping that it would be lower than the 6.375 % as the current market rates are markedly lower than what we are currently paying. When they finally called, it was to let us know that we would continue paying our mortgage at the same interest rate as we were before. 
We have struggled to keep up with the mortgage payments with the hope that at the end of ten years we stood a chance of getting a lower rate. One of us is XXXX now and is on fixed income. The one can not pay the new mortgage amounts required. If the interest rates and or the principal were reduced, we think that we could manage. 
Our house is currently underwater or upside down so none of the mortgage companies will even give is second look if we were to approach them looking to refinance. Much as we have kept up making our monthly mortgage payments, we could not refinance our loan like our neighbors did when the government offered relief to people whose homes were underwater like ours. Our loan was not owned by either XXXX or XXXX XXXX!! Some of our neighbors had their principal loan amounts reduced quite substantially and their interest rates on the revised loans cut in half! We have asked for but have received no relief from Chase! 
We have persevered rather than default on the loan as the one who is working holds government security clearance and if he/she defaulted, it would result in a loss of both clearance and employment! We are really in a catch twenty two! We have no way out other than pray to Chase for relief and mercy.
Consumer complaint received 2016-10-17
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (NJ)

illogical finance charge : On My Chase Freedom Credit card i have gotten 0 % APR offer and i have used that offer ( XX/XX/XXXX BALANCE TRANSFER TO XXXX XXXX ). Later in the year XX/XX/XXXX i have used this card for other purchases also. So now i have XXXX type of balances a ). 0 % ARP ( balance transfer ) and b. ) Regular purchases 19.49 %. So i decided to payoff my balance of type ( b ) .My statement date is XXXX of every month. 
I paid my type ( b ) balance on XX/XX/XXXX which is two day before the statement date. So this payment did not clear any of my type ( b ) balance whereas it reduce my type ( a ) balance. 
I called Chase customer representative about this ( on XX/XX/XXXX ), i said that i was unclear about this logic how the payment applies if you pay before statement date and told them my intention was to clear the purchase balance ( type b ) .. and i have asked them if they can change the payment date to any date after statement data and provide the waiver for all the interest charges till date.and we decided chase will returne my payment and i will make the payment againt with new data. 
They refund my payment ( XX/XX/XXXX ) and i receive that payment on XX/XX/XXXX. and now i have made the payment again. 
Now Chase has charge me extra XXXX dollars as a interest because they have refund me my old payment that i made XX/XX/XXXX. 
But i dont agree with this XXXX dollars interest charge. Bank is saying this charge is for those XXXX payment that they have put back in my checking account. 
My point here is that : this payment of XXXX was sitting with chase bank from XX/XX/XXXX till XX/XX/XXXX. Why i should pay the interest.
Consumer complaint received 2015-09-07
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MA)

After being a loyal user with Paypal for 7 years, my account has suddenly been imposed limit use in XXXX, 2015. I could n't get access to the my money in the account. During the 7 years, I always abide the policy of Paypal. I contacted Paypal immediately but was n't given any reason why the restriction was imposed. In fact, I was told by the agent that " There is no reason. We do n't want to serve you and recommend you use other service ''. I was further shocked as being told that any money in the account would be locked for180 days, and Paypal would contacted me then to give guidance for the refund. In fact, more than 180 days have passed but I have n't heard anything from Paypal. Emails to Paypal only bring automatic reply with general instruction. 

I consider it as a fraudulent behavior. Paypal has no right to lock my money for more than 180 days out of no reason and without even paying any interest. I request immediate refund and apology for its irresponsible and abusive behavior to consumers.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (NC)

Navient would not let me have a lower monthly payment or work with me at all when I had my son and I was unable to work. They kept calling me asking for {$50.00} for a forbearance and told me that was the only thing I could do if I could n't afford the high payments. I recently got a littler frommthem stating my account was under litigation review. When my mom called them they told her that the situation would go away if she just paid {$50.00} on each loan to put the loans on forbarence.
Consumer complaint received 2016-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (OH)

My student loan was discharged due to VA XXXX. It was discharged XXXX 2015 and I 've called and emailed ACS/XXXX, XXXX XXXX, XXXX, Dept. of Education and the IRS. I never received my XXXX Form and I kept getting the runaround, ACS said they do n't issue, call XXXX XXXX and XXXX XXXX gave me a letter with an amount, not the actual XXXX form. I called the IRS and they said that no one has issued a XXXX under my social security. XXXX XXXX said my lender should of given me the XXXX but ACS is the servicer for XXXX and said XXXX XXXX is the one to issue my XXXX form. My next issue was that my Credit Report ( XXXX ) was the only XXXX out the XXXX credit bureau 's to have under the comments section, Student Loan Assigned to Government ; Fixed Rate. I 've been disputing it and it 's still not fixed. ACS sent a letter saying that my loan was discharged but it did n't say VA XXXX and I do n't know if that has anything to do with why I did n't get my XXXX? If no-one filed a XXXX with the IRS, maybe that 's why I did n't get it. I do n't know the actual procedures of what happens when a student loan is discharge because of Veterans XXXX, but I just want to make sure that I 'm not on a 3 year monitoring period and maybe that 's why my loan on the credit report says Loan Assigned to Gov. Fixed rate. I get different answers every time I call or email.
Consumer complaint received 2015-08-24
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: BlueChip Financial (GA)

a person name XXXX called me from her cell phone about a debt.i called that same number back the next daya nd the number no longer exist.she been calling me from a XXXX number and a XXXX number.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I received a letter from  Chase s tating that they lowered my available balances on my credit cards from  XXXX  to  XXXX  on my  XXXX   XXXX   MasterCard  and from  XXXX  to  XXXX  on m y Amazon MasterCard. Th ey cited other accounts that have nothing to do with my great standing  with Chase. I worked at length to pay down my balances and I 've never been late on my payments and alw ays maintained a quality relationship. My financial due diligence with them was rewarded with decreased available credit. Had I known this would happen for paying my account on time I would have simply kept the  XXXX  balance and not worked so hard to pay this card down.
Consumer complaint received 2015-12-10
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (TX)

Chase bank, XXXX Tx I went to cash a check from my employer who banks with Chase. They charged me an {$8.00} fee as I 'm not an account holder with Chase. 
Secondly, my son uses Chase so when he needs money I can not make a cash deposit since I 'm not a Chase customer. I have to write a check or money order to deposit funds into his account. 2 days ago I went to make a deposit into his account but did not have my checkbook so I requested to buy a money order to deposit the funds into his account. They refused to sell me a money order because I am not a Chase customer. 
I had to go to a local store, buy the money order then return to the bank to make this deposit for him. On top of this, the customer service for this office did not seem to care about the major inconvenience and aggravation this caused. 
I understand rules & procedures are made to protect people from depositing cash to fund groups XXXX but to charge a non account holder {$8.00} to cash a check that is drawn by their bank is a penalty to the non account holder. This is an injustice to the American people at which this bank profits THOUSANDS of Dollars every day across the country victimizing non account holders who simply want to cash a check. Denying a non account holder the ability to purchase a money order is POOR customer service and a complete discrimination of non account holders when this bank is open to the General Public.