BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-31
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Chase Bank personal banker ( XXXX XXXX XXXX ; XXXX, IL XXXX ) refused to grant my wife and I a joint checking account because I declined to provide them with all details of any and all assets, including their balance and banking provider. This refusal came despite my wife and I being existing customers of Chase Bank ( my wife has a existing personal Chase checking account and I have a Chase Freedom Credit Card ). I found the questions to be particularly invasive given we were not applying for a loan, but were wanting to open a joint checking account. Moreover, we are existing customers ( I myself have an unsecured credit card with them for {$17000.00} ). The banker stated that he needed all my asset information so that they would know how to best provide my with their various products. So basically I was not given a checking account because I declined to give them information that would permit them to market me their other products.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
A Dispute on:XXXX, and:XXXX, XXXX XXXX, JPMorgan Chase Bank needs to explain to : The United States Of Justice Department , XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX of a XXXX issues, From a Federal Judge in XXXX GA, for : XXXX XXXX XXXX ( XXXX XXXX ) XXXX the Time:XXXX, and the first deposit was issued @ XXXX Indiana, XXXX Branch.My Case Number is:XXXX , Filed Under Seal : COMPLAINT FOR PERMANENT INJUNCTION AND OTHER EQUITABLE RELIEF, JUDGE XXXX ( FEDERAL TRADE COMMISSION )

Company response to consumer: Closed
Consumer complaint received 2021-02-17
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Of the 3 major credit reporting agencies, XXXX  is the only one that continues to report late/trailing Wells Fargo mortgage balance of {$3400.00}. Everytime I call or start another dispute the mortgage is late additional months. I have advised them this can not be, as I am on " automatic payments '' and I have even sent them bill statements, and credit history. They have not exercised the courtesy and/or logic when reviewing information to see that the months keep trailing one another. I have had Wells Fargo provide them correct information. With all of the disputes and information I have submitted I am beginning to believe this is racially driven. As there is no other way to understand why they have not rectified this in this amount of time.This has prevented me from buying and renovating homes, moving into a new home, getting credit increases, and providing additional needs that I have for my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-10
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a conference call with the underwriter and my Lawyer, I told her and my lawyer many times before that I am TAX EXEMPT, Chase did not finalize the payment to reflect the changes needed to show that I am TAX EXEMPT. The payment they want is XXXX when my original payment was XXXX. The economy caused this by laying me off in XXXX XXXX. 
Chase did nothing to give me an affordable PAYMENT, I have heard that many mortgage companies will get rid of some or a lot of rear-ages. Chase could have decreased my rear-ages quite considerly so that I could have an AFFORDABLE PAYMENT, Instead Chase said that I do not qualify for XXXX. Chase said that I only qualify for XXXX XXXX 's standard modification. Chase did not send anything to myself or my lawyer stating how much what payment schedule it is when it was do they only verbally sent it. I was waiting for the change to the payment to reflect my tax-exempt. Here it is XXXX XXXX, XXXX and I still have not heard anything as to or been given anything as to the payment change for my tax-exempt, my lawyer called today and spoke to representative not the underwriter that we talked to and he said that I need to make the {$1800.00} payment by the end of XXXX to reflect XXXX payment. Then I have to make another payment by XXXX XXXX. I do not have that amount of money since I am on XXXX. They gentleman also said that it was too late to change the MODIFICATION and that they will give me credit or a refund, they want me to make at least XXXX payments, I have other bills to pay that are due and will be missed because of Chases way of handling there screwed up way of doing good things. I would not have been so far in the REAR-AGES IF CHASE EXCEPTED A PARTIAL PAYMENT SINCE I WAS LAYED OFF IN XXXX. THEY TOLD ME " NO '' WE ONLY WANT THE FULL PAYMENTS. The first payment should be changed to XXXX XXXX not XXXX XXXX WITH THE CORRECT CHARGE TO SHOW THAT I AM " TAX EXEMPT ''. I GET MY XXXX CHECK on the XXXX Wednesday of every month. I will make a payment reflecting the change SHOWING my " TAX EXEMPT ''. Chase should be held accountable for the way they do things. I do n't want to hear about GOVERNMENT STANDARD, AGAIN, I SHOULD NOT BE HELP ACCOUNTABLE FOR THERE MISTAKES. I COULD WRITE MORE, BUT I THINK THIS WILL GET THE WORD SPREAD AROUND. 

I WANT THIS SENT TO THE PRESIDENT OF THE USA, THE TREASURY DEPARTMENT, THE FEDERAL TRADE COMMUNION. IF NOT I WILL SPEND IT MY SELF. I WILL COPY ALL COMPLAINT AND SEND IT TO THE AGENCIES ABOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: JPMORGAN CHASE & CO.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
After being discharged from Bankruptcy in XXXX XXXX, I began receiving messages from XXXX. After listening to a voice mail prompting me to call them back for a legal matter, I returned the call. I spoke to female that said I owed Chase Bank approximately {$2000.00} for a credit card loan I took out in XXXX. I told her that I had filed Bankruptcy and had been discharged and therefore did not owe the debt any longer. The female told me Bankruptcy did n't have anything to do with stealing over {$2000.00} from a credit card and the civil charges they planned on filing. She stated because I did n't pay the debt to Chase, they were going to file Federal Charges in XXXX hours if I did n't come up with the money. The female said that " borrowing money and refusing to pay it back is a Federal Offense ( Grand Larceny ) and I will be prosecuted and I will receive jail time, about 5 years. '' I never had an account with Chase Bank but I was caught off guard by the threat of Federal Charges. I called back and a male answered the phone. I asked for the attorney 's name and number who was handling my file. The male put me on hold and hung up the phone. I blocked the phone number when I realized it was probably a scam. 
This evening ( XXXX/XXXX/XXXX ), I received XXXX back to back calls from the another number, XXXX - XXXX XXXX ( Male who owns the company 's name is XXXX XXXX ). The same female answered the phone. She said her name was XXXX XXXX. She was with " XXXX XXXX ''. She told me that I owed a debt to Washington Mutual from XXXX. I told her I did not, never had an account with them. She went on to tell me that they were going to file Federal Charges against me for stealing money and refusing to pay the debt and I would be arrested. I told her I spoke to her before and this was a scam. She said that she would tell the District Attorney to proceed with the Federal charges and slammed the phone down in my ear. 
Upon investigation, I found the following information : XXXX XXXX XXXX XXXX XXXX XXXX, CA - turns out to be a false address. There is no XXXX, California. This address is valid in XXXX, OH, but it seems to be in the middle of a highway. 
Other consumers have received calls from the following numbers citing the exact same senario - XXXX ( number on website ), XXXX, XXXX ( registered in XXXX, NV ) and XXXX. 
The company 's website gives several ways to contact them for potential clients- XXXX ( main ), XXXX ( fax ), Email addresses - XXXXXXXXXXXXXXXXXXXXXXXXXXXX of this " firm '' has several aliases - " XXXX XXXX XXXX, " XXXX XXXX XXXX, " XXXX '', " XXXX '', " XXXX XXXX XXXX, and his Operator goes by the name " XXXX XXXX XXXX. This is extortion. They appear to be looking up people who have recently been discharged from Bankruptcy and trying to strong-arm them into giving them money using threats and made up accounts that people do n't even owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Loancare advised me in XX/XX/XXXXI had a shortage of {$580.00} and started an analysis was completed in XX/XX/2020 taking my payment from {$1400.00} to {$1400.00} in XXXX and XXXX and now in XXXX another inceased to {$1500.00} without notification and when I called in over 4 x 's to get help the representative could not advised what my P & I and T & I was to give me the total. I asked not to be transferred in order to make a paymetn instead while i was talking the rep put me on hold as she spoke over me that she will transfer me anyway. 

why would my paym change twice within 90 days. Customer sercvice at this place is unbelievale rude and I do not understand why a phone rep looking at my account is not trained to give me my P & I payment and what is my escrow T & I and why an analysis would be completed twice and why would the escrow not be completed correct the first time. this is concerning and alarming and quite distrubing the rep is not able to give my PITI just rude and working from home without any accountability or supervision. I want this call pulled provided to CFPB and a call made to me by someone in leadership at XXXX, will also be reaching out to HUD this is not how you service a loan and treat a consumer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good morning this complaint is a continuing of our Case number : XXXX XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX on file all documents are attached on this complain case number : XXXX as today and is been more than one month since we open this complain nothing has been resolved with chase bank a representative from the chase bank executive office name XXXX XXXX at the phone number XXXX ext XXXX did call me ones she request for me to send her prove of all the repairs and XXXX to the property located at XXXX XXXX XXXX XXXX XXXX, PA XXXX we did send it over 2 weeks ago via fax and email we fax it to XXXX also fax to executive office at XXXX also email to executive office at XXXXXXXXXXXX and no one 's have getting back to us to let us know that they received and working on this case when I call XXXX XXXX XXXX yesterday she told the assisted who answer the phone that she ca n't talk to me anymore because my case on executive office was close that after she talk to me ones she ca n't talk to me anymore she told me to contact our new negotiator on the loan his name is XXXX XXXX at the phone number XXXX ext XXXX wish I did call more the XXXX times and I have this call record on my XXXX each time I call XXXX XXXX he never answer the phone his voice message says he will call you bank within 24 hours and he never call back please note : each of my call to XXXX XXXX specified very clear to please only contact us at our Mobil number or office number wish is XXXX or XXXX because no one 's is at home during working hours after more than XXXX calls that i have recorded on my phone as proved still XXXX did call me only ones last week but to my home phone number during working hours I call this a malicious intention because he knows that no one 's is at home he did not want to talk to me he just want to make a phone call to a number register in my name that he knows no ones will answer but just too he can have on his record that he did try to contact me ones : what I call an insult to the intelligence of anyone please note I am attaching the invoices requested by XXXX XXXX I am also attached the letter send by her executive office where it say that she will get back to me no later than XXXX XXXX and as you may know she refuse to talk to me when I call yesterday and today XXXX days after the letter expire on XXXX XXXX 2015 we do n't have any answer for our short sale see documents attacked

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I used my Chase card many times and was careful to call, many times, to make sure what I intended to happen, would happen. I used the card to charge, and was told that if I paid anything over the minimum payment, the remainder would be applied on balances with higher interest rates OR if I used a balance transfer from another company, the higher interest items would be transferred. I did several balance transfers, the last being around XX/XX/XXXX and started to enjoy the 0 % interest, which I paid for with balance transfer fees. I had a couple of these and the least amount of time I had was 15 months before it went onto regular interest charges. In XXXX Chase insisted first : that I had defaulted on a payment and ALL fees were now at 14.94 %. In all the years I have had Chase, I have NEVER been late or defaulted. Never happened. In the first XXXX communications I instigated to them, I was told the rote statement ... ... .that once I defaulted, all the charges would go to higher percentage. All XXXX calls and it did not matter when I spoke to a supervisor. SSDD ... ... ..same stuff, different day. For the past year, I have requested from Chase and subsequently from the debt collector they set on me, to have Chase provide their explanation, showing where : ( 1 ) I ran out of " time '' on my transfers and ( 2 ) that I was ever late or defaulted. One year from XX/XX/XXXX to XX/XX/XXXX. There were more phone calls FROM me to them, messages on the statement inbox, all to no avail. Now, after one year, with the debt going from $ 8,000.00+ to $ 14,000.00+ because of the fees and 14.94 % interest they have wrongly charged me, I get a statement of maybe XXXX pages and you know what?? I find NOTHING that substantiates their claim. I NEVER defaulted, I was NEVER late and my 0 % transfers were good for the 15+ months I expected. So, where does that leave me. No cover letter or call explaining where they are getting this wrong info from ... ... ... ..just the statements. XXXX, I could have printed the statements myself. I suspect they are scamming me to try and get an extra $ 6,000.00+ dollars from me when they are wrong. I have another Chase card and I pay it religiously, just like my other cards. Period. 
Thanks for listening to this and I can tell you, I am sick of it but do not owe it. They offered to settle with me for $ 11,000.00+ dollars ... ... ... ... really? I owed {$8000.00} and they have still not explained how they came up with this wrong info.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: BANK OF THE WEST
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
With great frustration, this is the third time I am writingregarding " the same issue. '' As of this writing, it has neverbeen corrected. 

The bank ( Bank of the West ) has always responded, butnever addressing the issue seeking resolution. Thus giving '' the appearance '' of complying, but never doing so. Never. 

The issue - the banks reporting of Late Payments to thecredit bureaus on the months of - XXXX 2015 & XX/XX/2015 ( attached ) As you can see, per the banks own payment ledger ( attached ), there was never a missed payment as they have reported to thecredit bureaus. Never. Yet for those two months, they havereported lates. 

Their errors have caused me great harm. 

Please do whatever is needed to hold the Bank of the Westaccountable. Their one sided, cavalier approach is un-acceptable. 

Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Ability Recovery Services, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 I sent a debt validation request to this company, and rather than validate the debt I was sent a detailed list of my medical records without verification of identity needed to access Private Health Information. This also included my current healthcare provider which is highly sensitive. This is a direct violation of HIPAA regulation as I have never signed a HIPAA release form authorizing them to have, and distribute this information so carelessly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: APR or interest rate

Complaint:
To Whom It May Concern : I served XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX, cumulating over 26yrs of faithful and dedicated service. I was XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 

The Servicemember 's Civil Relief Act ( SCRA ) enables servicemembers to devote their time and attention to the defense needs of the Nation by providing protections related to such things as rental agreements, security deposits, prepaid rent, evictions, installment contracts, credit card interest rates, automobile repossessions, mortgage interest rates, mortgage foreclosures, civil judicial proceedings, automobile leases, life insurance, health insurance and income tax payments. 

Recently, my wife and I received a letter from JP Morgan Chase, stating, " We 're writing to apologize because we may have charged you interest and/or fees incorrectly when you may have been eligible for Servicemember 's Civil Relief Act benefits or protection. 

In addition to being a JP Morgan Chase Credit Card member since XX/XX/XXXX, my wife and I financed our home with JP Morgan Chase Mortgage on or about XXXX XXXX, XXXX. 

On or about XXXX XXXX, XXXX, my wife and I sent a letter to the JP Morgan Chase, requesting the following documents/information : Audit ruling, interest rate ( s ) from XXXX XXXX, XXXX to present, charges, and fees from to XXXX XXXX, XXXX to present, interest rate increases and/or decreases from XXXX XXXX, XXXX to present, date ( s ) of increased and/or decreased interest rate from XXXX XXXX, XXXX to present, and an IRS Form XXXX ( Miscellaneous Income ). 

On XXXX XXXX, XXXX, I met with an XXXX Legal Assistance Officer. The Officer determined that Chase has settled a class action lawsuit regarding our SCRA situation. The Officer also contacted JP Morgan Chase to inquiry about the documents we requested. The JP Morgan Chase representative told the Officer that we needed to submit the request to the following address : Chase Card Services, XXXX XXXX XXXX, XXXX, DE XXXX. We mailed the aforementioned letter via certified mail to the address provided by the JP Morgan Chase representative on XXXX XXXX, XXXX. 

Based on the aforementioned discovery, we believe that our rights under the SCRA were violated because over {$100000.00} were charged to the card from XX/XX/XXXX-XX/XX/XXXX. Additionally, more than {$8000.00} was charged to the card during my XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. 

We are requesting that our SCRA matter be reviewed to determine if we are receiving an accurate refund for interest and/or fees accessed while we were eligible for the Servicemember 's Civil Relief Acts benefits. 

Your immediate response, time, and assistance in this matter are greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I had a chase XXXX card. I was offered to " upgrade '' to a " premier visa '' for a higher annual fee. In return, I was offered XXXX bonus points after spending {$3000.00}. I completed the upgrade and spent {$3000.00}, but did not receive the points. When I called to inquire, I was told " I am sorry but our system will not allow us to award the points to an upgraded account ''. When I read the offer, the customer service rep said that they understood because they have received the same complaint from others, but the system prevents them from fulfilling their offer. My issue is that I met the terms and increased spending based on this offer, and now Chase is not meeting its end of the offer, and the customer service rep acknowledges that this is a problem where they are misrepresenting the offer. As a result, I informed rep to cancel my account on XXXX/XXXX/2016 and that I would file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Continued lying and deception by Chase Bank. This has been going on for 3 years. We asked them to stop flooding our business mail box with their junk mail, complained repeatedly to the BBB, The Texas Attorney General and the CFPB. Each of these has been ignored or they send out a form letter saying they will cease and desist. In XX/XX/XXXX they lied saying it takes 90 days. It is now XX/XX/XXXX and we are still receiving their junk.The mail is addressed as : XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: Affiliate Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2021 I sent a debt validation request to this company, and rather than validate the debt I was sent a detailed list of my medical records without verification of identity needed to access Private Health Information. This also included my current healthcare provider which is highly sensitive. This is a direct violation of HIPAA regulation as I have never signed a HIPAA release form authorizing them to have, and distribute this information so carelessly.

Company response to consumer: Closed with explanation