BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-04
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Chase has failed to refund my money, to appropriately investigate claims and have charged me exuberant fees. I 'd like my money back. See the communications below. In addition, they have placed me on extensive holds, drop calls, etc ... This ordeal has been going on for over 6 months. In addition, XXXX is at fault they have been systematically double billing subscription fees and when you attempt to recover they state that they can only go back a month. In addition, it appears that they are scheming on data usage as well. There is no way for the consumer to know whether they are actually getting the amount of data purported. 


XXXX/XXXX/XXXX This letter was faxed to your department twice regarding Chase 's failure to appropriately process this claim, investigate and refund my money reference current claim no. XXXX I would like my funds and associated fees deposited into my account without further delay or I will begin the process of reporting these matters to the Consumer Financial Protection Agency. 

XXXX XXXX XXXX XXXX/XXXX/XXXX Attention : Chase Customer Claims I spoke with XXXX XXXX and they stated that the bank should credit me back for the over charges and to contact the bank again. XXXX XXXX has been double billing my account and there are XXXX additional double billings in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX each that you denied. These charges are not authorized. There is an additional {$350.00} in overdraft fees that has not been credited to my account as promised. The claim for {$75.00} filed for XXXX/XXXX/XXXX has not been processed. I would like these funds credit to my account totaling {$620.00} today XXXX/XXXX/XXXX without any further delay. 

Thank you, XXXX XXXX XXXX Account Ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Chase Bank # XXXX - SOLD to : XXXX Acct # XXXX This account is not even my account. It is not a credit card account. This account was a cash advance account for my mother ; her name was XXXX. She has passed away. When my Mother became unable to take care of herself and we put her in a XXXX, in XXXX, CA. I took over paying her monthly bills and her upkeep. I had all of her mail and bills sent to my house in care of me. I was never a co-signer on any of her accounts or checking account. I DID pay the Chase account payments as well as with all of her bills. After she passed away, I stopped paying her bills, as she had no remaining assets. 
I had inadvertently given some clerk at Chase Bank my Social Security number to prove the account was n't mine and they agreed. Then " someone '' at Chase then used it against me to put it in my name. My name appears nowhere on this account other than a mailing address for payments that I helped her in the last few years of life. I have written Chase numerous letters with no results. They have since sold this account to a collection agency, now they report this account in my name as well ( *XXXX Acct # XXXX ) Please help me get both of these accounts off of my credit report ... they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am a XXXX who signed up for a XXXX for XXXX credit hours. I paid cash ( {$100.00} ) for the tuition and thought nothing of it. 
A few days ago Navient, which serviced a loan I got in 2010 ( {$20000.00} ), emailed me and said my loan was deferred because I am now a student at the College of XXXX. I am not a student but an XXXX taking a once-weekly course at the local middle school! I never asked Navient for any assistance in paying an {$100.00} tuition! 
I am only two years from paying off my original Navient loan. I called them to cancel the deferment so my payment would continue. When I logged onto my account later I realized they had extended my loan for another year and added a {$1000.00} increase to the balance! There is no reason for Navient to change and extend my loan when I never asked or used their assistance on a simple {$100.00} tuition! 
I took all of my savings and paid the remainder of the loan 3 years early because I am afraid they are overcharging me severely. I feel that my balance payment has been inflated and would like a refund for the overage I was charged in this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: JPMORGAN CHASE & CO.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I, acting on behalf of a student organization that I 'm a part of, was XXXX-charged for insufficient funds by Chase bank. I had enough money in the account for XXXX transaction but not the other. I tried to have the smaller payment go through the system first, but the automatic payments did not work that way. When I asked them to refund me the overdraft fee, they did not. They cited that their company policy when transactions come in without timing information is to process the bigger transaction first, which seems very favorable for them, and very detrimental to their account holders. Obviously I agree that I should have been charged for the XXXX, larger item, but being charged for both just makes it harder for me to pay for either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
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 Date Opened : XXXX 90 days past due as of XXXX XXXX Account Number : XXXX Date Opened : XXXX 90 days past due as of XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: JPMORGAN CHASE & CO.
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed ChapterXXXX bankruptcy on my accounts in 2005, which I 'm NOT of proud ; but during this BAD TIME I lost a high paying job and got divorced, which left me no other choice but to file!!! Then 9.5 years later after I am finally getting my life back on track a collection company sends me a THREAT letter that I need to pay on an account included in my bankruptcy, and I have PROOF of this. I called them and they say they will clear this up, but since they did n't ask for PROOF even though I offered CASE # and Amount paid just to prove myside, but got worried that I offered more than they asked for. I want to make sure I 'm NOT BRING SCAMMED - Thank You for your help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I have owned a rental property for over twelve+ years. The mortgage was an ARM and the amount went up over the years that we had to pay monthly. The other expenses of the house also increased quite a bit, to the point where we were no longer able to pay the mortgage. Over the years we spent all of our savings trying to pay the mortgage thinking it would work out but it did not. We had to default about a year ago ( XXXX 2014 ) and applied for a loan modification. We were denied the loan modification because the lender ( Chase ) refused to consider the rental income from the property for no apparent reason. All they will say is that this is their " guideline. '' Also they insist on imposing a XXXX % " vacancy rate '' on other rental income we receive on other properties, when we have never had a vacancy rate anywhere close to that. This results in our income appearing to be vastly lower than it really is. We have now applied twice for a loan modification and were denied a second time for the same reason. Chase will give no explanation as to their reasoning. They seem to be determined not to give us a loan modification. They make up their own rules to suit their desired outcome. We are not asking for any debt forgiveness, just a lower mortgage payment. We have no idea why it would be so hard to give a loan modification. It would seem preferable to a foreclosure or short sale for them, but perhaps they have some hidden reason why they want our house. They are completely unreasonable and have been very difficult to deal with. They call us constantly, harassing us, when we were actually waiting on their decision. I take their calls and talk to them and it is always a different person who has no idea of the specifics of the situation, they are just calling to harass us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Capio Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Capio Partners , LLC is a collection agency who bought an account from XXXX XXXX XXXX in XXXX XXXX for medical care that was rendered on XXXX/XXXX/XXXX. Capio Partner, LLC is reporting the date in XXXX XXXX as the date this account was opened opposed to the original date of XXXX/XXXX/XXXX. Also they are showing this account delinquent in XXXX XXXX opposed to XXXX/XXXX/XXXX. They have re-aged this account which is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-10
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from UNITED REVENUE CORP I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against UNITED REVENUE CORP in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This piece is about Chase Claim Number : XXXX On XX/XX/2017 XXXX hours, I received a text message reporting suspicious activity from Chase checking account ; I immediately replied to the text message response refusing the charge, confirming Chase 's suspicion of fraudulent charge. The purchase exceeded the amount of cash in the debit account linked to the card used in the fraudulent transaction. Per the Bank, the fraudulent purchaser was able to transfer money {$4500.00} from another Chase savings account to the Chase Checking account, by calling the bank. This information was learned from the Chase representative over phone while discussion on fraudulent charges was ongoing. The same day XX/XX/2017 Over the phone, Chase indicated that it would issue me a credit in the amount of the fraudulent purchase ( {$2500.00} ) back into my account. 
XX/XX/2017 Chase issued a Chase Customer Claims letter stating the temporary credit has been reversed, without any further explanation. The letter indicated that I was right in confirming the information provided to the bank on XX/XX/2017 yet Bank went ahead and reversed the charges of {$2500.00} in the letter received from the bank on XX/XX/2017. 
The story does NOT end here. There was no credit taken out of my account when I enquired from the bank on XX/XX/2017. Since I had not heard from Chase, and the credit had not yet appeared in my bank account balance, I called Chase for an update. At this point, the telephone agent informed me that I would not receive a credit and would be charged for the fraudulent purchase. The only thing representative mentioned that the card was a chip card and was used at the terminal, even though I did not make the charge the card was used. 
Chase reversed the credit, and my account shows a fraudulent charge for {$2500.00} as of XX/XX/2017. Since XX/XX/2017 having reached Chase 3 times over the phone and 2 times personally at the XXXX CA Bank location. I learned today that my case is closed without further providing me with the information how the Bank reached to the conclusion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-27
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have an existing mortgage with Chase that I have been trying to refinance since XX/XX/XXXX. All the required documentation was submitted within 10 days, and according to the web portal, we have been cleared to close for at least two months. They do not respond and do not return phone calls. I have tried to pull the plug on the process - asked them to refund the {$500.00} application fee, and they just do not respond. I could have done this through anyone else and closed two months ago. Chase has in effect cost me several thousand dollars with their incompetence. I do n't expect anything to happen, but other consumers should know to go elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-10
Company: Maury Cobb, Attorney at Law, LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Re : Maury Cobb Attorney At Law LLC Maury Cobb represents XXXX. They are trying to collect an amount that is not owed and they have not substantiated the charge. 
This firm continues to call and try to collect the amount without describing what the charge is for. They call using multiple numbers. They have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
When the representative calls, they demand personal information before they say who is calling and they do so in an aggressive and demanding tone. They immediately demand payment and refuse to accept that I am vigorously disputing the charge. Today, the representative very rudely demanded payment and threatened to notify all XXXX credit reporting agencies and they may have already done so. Today after I had tried to ask what the charges were for, the representative very abruptly said that he was not negotiating and hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I had a Capitalone auto loan back in XXXX. During some rough personal issues i had to make several payments late. However after i recovered loan was closed and satisfied in XXXX. 
Capital one has been reporting to all XXXX credit bureaus the history of my payments. 
I have reached out to them several times as well as disputed with the credit bureas. Capital one states they can report my history up to XXXX yrs and ill not remove. 
I need help. This has hurt my credit report for yrs. I pay my bills on time. Because they wont remove my credit score is down XXXX points and shows i have more than 1 car loan. 
Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: JPMORGAN CHASE & CO.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This is my second complaint against Chase Bank XXXX ; Since XXXX XXXX, Chase Bank .. JP Morgan decided to place a pending closure on my checking account without any valid reason or any statement given or mailed to me. After long hours of phone calls and numerous stop in at a Chase local branch and all promises of security from Chase representative the checking account was still on pending closure. Bills were drafted on this checking account, all were returned with fees and penalty. Best of all Chase Bank place a freeze to access my funds. I am not rich, what i have is what i use to support me and my family, I explained this numerous times, days, hours even beg the XXXX Chase Bank Manager but no explanation why. I do not owe Chase anything I paid my overdraft fees. Chase Bank do not care ... They promise a check will be sent in 10 days after account closure .. Its XXXX XXXX, a check was received via XXXX but the amount is not even close to what i have on that account. This check does not even cover phone bills with penalty. Call Chase again and said a XXXX check was cut and should be receive in 3 days from XXXX XXXX. Again called Chase Bank asking information if we can track my check but sadly Chase responded I AM SORRY CHECK COULD BE LOST, PLEASE CALL US BACK ON MONDAY TO CONFIRM XXXX CHECK IS LOST AND WE WILL CUT A NEW THAT WILL TAKE ANOTHER 10 DAYS. IS THIS A GAME? THIS IS AWFUL. ITS ALMOST A MONTH, ONLY A HANDFUL OF PEOPLE LET ME BORROW AND AT OF ALL THIS I HAVE TO LATE FEE ON ALL BILLS, DONT KNOW WHAT LAW PROTECTS US FROM THIS KIND OF ACTIONS FROM A FINANCIAL BANK, MY UNDERSTANDING BANKS ARE THERE TO PROTECT AND OFFER SERVICES BUT INSTEAD, SADLY I CAN NOT DO ANYTHING BUT WAIT ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Mortgage paid the hazard insurance for a different borrower out of the funds in my escrow account. While that problem was being investigated, Chase revoked my online access to the details of my mortgage, including the entire payment history, statements, and escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was on an income based repayment plan for XXXX consolidated student loans. I was on auto payment deducted from my checking account monthly with a payment of {$600.00}. I was told by XXXX XXXX and Navient that I was eligible for the Public Servant loan forgiveness program and that after XXXX on time payments I could request forgiveness for the balance remaining. A friend told me I really should contact the program directly to make sure. Unfortunately I contacted the program and they said if I transferred the loans to them they would track payments annually. Once the loans were transferred they infirmed me that XXXX payments made on XXXX of the XXXX loans would not count because they were not on a qualifying payment plan. I do not understand how i could have XXXX loans consolidated to one payment yet those loans could be on seperate repayment plans. I also dont understand why I would be penalized for paying more money towards my loans than I would have paid had my accounts been properly set up. I relied first on XXXX XXXX and then on Navient to help me tbeough the repayment process. They set my accounts up incorrectly and because of their mistake I am having to make XXXX additional payments before I can apply for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Advertising and marketing

Complaint:
I opened an account with Chase that promised XXXX points for XXXX rewards. The offer did not clearly start when the offer began or ended except for " XXXX months ''. It was not clear if it was XXXX months of opening the account or XXXX months of activation. The account opened on XX/XX/2016, I received the card XX/XX/2016 and activated it in XX/XX/XXXX. 
I was charged an {$85.00} membership fee. Chase refuses to reward the points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had my debit card information stolen from me on XXXX XXXX, 2016. I had XXXX fraudulent charges made on my account. Charge XXXX : {$48.00} - XXXX XXXX. Charge XXXX : {$500.00} - ATM. Charge XXXX : {$500.00} - ATM. I have been a customer of Chase for 16 years & have never taken {$500.00} out from an ATM. They have refunded the {$48.00} charge & agreed it was fraudulent but they say the XXXX {$500.00} charges are correct and wo n't refund them. They wo n't even look at the video footage from the atm. It happened at XXXX XXXX XXXX, XXXX, Terminal XXXX at XXXX & XXXX. They say because of the chip in the card, it is impossible. If the video footage shows me, I will pay the {$1000.00}. But it wo n't show me. I had the police officer who took my report call the bank and request the footage and got no where. Why would Chase refund XXXX of the fraudulent charges but not all XXXX? I made a police report with the XXXX Police : XXXX XXXX # XXXX Report : XXXX. XXXX Police Report : XXXX. Both departments said they would n't investigate the issue. Every time I call Chase, they tell me a different set of instructions to follow to get the video footage. Most Chase employees told me I would need to get a subpoena to get the footage, which the police said I would n't be able to get. Why would Chase treat a customer of 16 years like this? I have also just received a letter from Chase telling me to pay the money back or they will close my account and report the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-27
Company: Credit Adjustments Inc
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I keep getting calls from XXXX sometimes even more than once a day they NEVER leave a message so I have no idea what it 's about. I googled the number and other people have the same problems and I have n't even received any bills or anything in the mail. I am SICK and tired of the HARASSMENT!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation