BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-18
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Other fee

Complaint:
For a few years I 've had a Credit Card called " Ink '' from Chase Bank. It is a revolving credit account. My payment due date is the XXXX of each month. On XX/XX/2017 I went online as usual to access and make my payment. However, in this case, the Chase Bank CC account indicated my Total Account Balance was {$11000.00} and due to an unrelated legal settlement recently received, I had the funds necessary to pay off several debts including this Chase Bank Credit Card. So, on the due date ( XX/XX/2017 ) I paid in full the entire Account Balance of {$11000.00} without hesitation. Subsequently, by mail I received an new Credit Card Statement claiming that now, after the fact of my having " paid-in-full '' the account balance, I suddenly owe Chase Bank, on XX/XX/2017, " Interest Charges '' of " + {$200.00} '' dollars! Chase Bank is charging me a " Purchase Interest Charge '' of {$71.00} and a " Cash Advance Interest Charge '' of {$92.00} and a " Balance Transfer Interest Charge '' of {$36.00} to attempt to justify the {$200.00} total Interest Charge. When I contacted Chase Bank Credit Card services by phone and asked how this after-the-fact Interest was possible, CHASE BANK ACKNOWLEDGED I had indeed " paid the entire account balance in full ''. BUT, claims this is " because our billing cycle on the account balance you paid off did not include 'new ' interest charges we calculated to your account, even though you paid your account in full. '' WHAT!?!?? 
HOW IS IT LEGAL OR LEGITIMATE OR ETHICAL TO CHARGE INTEREST TO CONSUMERS AFTER A CREDIT CARD ACCOUNT HAS BEEN PAID IN FULL?!??! 
This deceptive practice is unethical, illegal, and fraudulent on the part of Chase Bank Credit Card services ... .and in essence is allowing Chase Bank to continue to charge consumers ex-post-facto of our having " paid in full '' a Credit Card Account Balance. This fraudulent, damaging practice by Chase Bank should be immediately stopped by the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was a longtime Wells Fargo customer. Checking, Savings and Mortgage... I know there is damages claim currently active and Wells Fargo is supposed to be contacting me and informing me how to file my claim. 

I have not received any communication through them.

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 2017-01-26
Company: Nelnet, Inc.
State: CO
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 have been paying on my student loans since XX/XX/XXXX when I graduated. I had them in forbearance for a while so I understand that interest still accrues during that period. I started paying regularly since approximately XX/XX/XXXX. Recently I have been paying via automatic debit more than the monthly amount to try and get this paid off. Each payment that I make has a different amount applied to principal and interest even thought I make the same payment amount on the same day of the month every month. Some months the differences seem quite dramatic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This chase business card was fraudulently used to make purchases without my authorization. I have already reported this to chase but they have not provided me with neither a fair investigation or corrected these fraudulent charges. The whole balance of {$5300.00} was due to fraudulent charges. Chase is also reported these fraudulent charges on my personal credit report, damaging my credit. This is my last attempt to get these fraudulent charge resolved before seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
After I initiated a dispute with XXXX  over a incorrect collections account from PRA they moved it to closed instead of removing. They added this new account ( XXXX ) under the banking heading with no information. This was removed from my report by the credit bureaus XX/XX/2021 and now just appeared but dated XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accounts were paid with a pay to delete and they still have not been removed from credit bureau. XXXX has deleted. Transunion and XXXX have not.

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 2017-01-24
Company: JPMORGAN CHASE & CO.
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a checking account with Chase. I moved so I called and asked to close my account on XXXX XXXX, with remaining balance of {$1600.00}. I was told that I could n't transfer my funds out and that instead I needed to close the account and I would be mailed a check. I received no notification about the account being closed, neither through email or mail. After a month, I had n't received the check and called Chase. I spent over an hour on the phone with various representatives who kept passing me to other representatives, all giving me the same answer that they were n't sure what happened to my money. Someone was eventually able to cancel the lost check and requested that I sign an affidavit and get it notarized. I sent that in weeks ago and have received no communication from Chase since. I just called in again, and spent 42 minutes sitting on hold and being passed to different representatives again, and the phone call ended with them telling me they were n't sure where the check went or what the status was. There was no result. I was essentially told tough luck, your {$1600.00} is gone. Every time I call, I get passed around to different representatives and all of them tell me they ca n't help me. I 've asked for supervisors, managers, and senior level managers, but even they ca n't help and just pass me to someone else. I 'm pretty lost at this point and feel like Chase just robbed me of my {$1600.00}, on top of the fact that I 've been without it for nearly 2 months and I should 've had it in 5 - 10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a live single human being typing this narrative!!! 

In accordance with the Fair Credit Reporting Act. 
The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX Have violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate I have not given any of these credit bureaus my written consent to post these accounts onto my credit report, student loans are not for public information nor is a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Chase is current reporting an account on my credit report as a charged-off account. However this charge-off account is also illicitly being reporting with a past due balance, and showing that its an active account. In doing so Chase is illicitly harming my credit more than legally permissible. I have brought this issue up with Chase through the credit bureaus but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: JPMORGAN CHASE & CO.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase bank debited {$1300.00} from my account. Mother gifted money many times from her account in " quickpay '' mother passed away and disgruntled sibling says money not gifted. I feel the bank has not looked into this, if so they would see that this gifting of monies is something that has been done for more then 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX , has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-04-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following accounts for I am having difficulties due to the inaccuracies with the following accounts listed. These accounts were reporting information that are violations to the FCRA and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Bankruptcy

Complaint:
opened an account back in XXXX XXXX and filed a Chapter BK in XXXX and in XXXX its was discharged and cleared the amount owed, and as of today it has re-appeared in my credit report as high limit balance of XXXX and past due of XXXX and this was reported in XXXX XXXX it has significantly hit my credit as I applied for a re-finance and was turned down do to this derogatory its from CHASE # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX XXXX XXXX i have asked for a payment history over 60 days ago and i believe the late payments reported are incorrect. XXXX 2012, XXXX 2012, XXXX 2012, XXXX 2012 and XXXX 2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: JPMORGAN CHASE & CO.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase bank is charging excessive fees in excess of XXXX dollars for a single negative account incident. They have been maximizing fees by reordering transactions and approving transactions to charge fees and then denying them later so they may charge another fee. Fees charged to this extent are unconscionable and entrapping. If I do not get relief from these fees I may be forced to file bankruptcy because it is impossible, on a fixed income, to get out from underneath a bank that is charging me over XXXX dollars for credit at an egregious rate and charging fees for credit they never even extended. I requested that they do not process transactions against my account when it is negative the last time they charged me over XXXX dollars in fees. I do not understand why after litigation with XXXX XXXX and XXXX XXXX XXXX the rules have not been changed and these deceptive contracts of adhesion are allowed to continue. I should not be able to say honestly that borrowing money from a criminal loan-shark would have been a cheaper and less financially dangerous choice than the legal contract I have been bound to, without even having to provide voluntary consent, which according to chase allows for this type of highway robbery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan documents had spouses name added after the closing date. Her name was wrote in after the closing date and signature forged on loan documents. Also Notary falsified documents stating they were at the closing. -- The Notary was not present at closing. -- Some documents by Notary state closing took place in XXXX XXXX and another document states the closing took place in another XXXX hours away from place of signing at closing.This information was found after our attorney requested information from Wells Fargo about our payments not being applied and always showing me as a late payer.Have tried for several years to refinance else where but because Wells Fargo falsified payment information other lenders could not refinance us. We recently hired an attorney and because of this they have accelerated our mortgage and are trying to foreclose our home. Once again not trying to work this out. We have been paying on the loan for ten years and due to there record keeping practices we supposedly have only paid off {$5600.00} towards the principle?? Yet we have paid {$90000.00} in interest? I could keep writing for awhile about the other stunts they have pulled on us from XXXX to XXXX. We are slaves to them and now they are trying to foreclose even though we have proof of making our payments on time.We tried to get a loan modification and after being turned down for not sending docs in on time .The XXXX different times they requested the same docs we had sent numerous times previously we were kinda given a loan modification. ( They gave us a balloon payment due at the end of the note and increased our principle balance by {$4500.00}. NO interest reduction and a second Mortgage ) Some modification huh? But I was told after paying on the modification payment for eleven months successfully that I had paid late the last month and lost the Modification.?? So I am deeper in debt than I was before the Modification. This company is a predator, dishonest and full of greed. WHAT HAS HAPPENED TO AMERICA? We are hard working, WE do not work the system. We do not live beyond our means We do not waste money on unnecessary things. Is it to much to ask that when you buy a home and make your payments, That your mortgage company applies your payment? Then when you question there accounting they try to sneak a fore closer sale behind your back while saying they are looking into your concerns. They have to be stopped other wise other honest, hard working Americans will suffer.

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 2016-03-03
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
On XXXX XXXX, 2016, I filed an application to enroll in the REPAYE payment plan. On the same day, I delivered all of the necessary supplemental materials, including proof of income, to Nelnet, the student loan servicer, through the document submission email address provided on their website, XXXXXXXXXXXX. 

On XXXX XXXX, 2016, I received correspondence with the subject line " We 've received your income-driven repayment plan application '' from Nelnet confirming that they had received my application. 

On XXXX XXXX, 2016, I received correspondence with the subject line " Your request has been received '' from Nelnet confirming that my application was received and being reviewed. Within this email, Nelnet stated " You will receive additional communication from us regarding your request within 7 to 10 days. '' No further correspondence was received within the promised 7 to 10 days. Multiple phone calls to Nelnet were unable to update the status of my application or why I had not received further correspondence within the allotted time period. 

A further call had to be placed on XXXX XXXX, well after the specified period of time, and a representative was able to check my application 's status, notifying me that it was still not processed. The processing and notice was not completed until XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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: Was not notified of investigation status or results

Complaint:
I reached on the XX/XX/XXXX and XXXX disputing some inaccurate information my credit report I wanted deleted. Transunion has failed to provide me proof this information is accurate and refuse to verify. I have called to erase addresses and phone numbers and somehow an phone which is not mines keeps getting on my report. Which keeps proving that Transunion is reporting inaccurate info.

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 2021-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone somehow get the log in information from my email and checking account. This person log in my Chase checking account on XX/XX/2021 and deleted my cell phone number and added this person number to my account online. This person tried many wire transfers on XXXX XXXX but they were cancelled by Chase. However, Chase allowed a wire transfer of {$30000.00} to XXXX on XXXX XXXX and this person tried two more but the account was locked due to unusual activities. On XX/XX/2021 I logged in my checking account and found out it was locked. I called Chase to know why and they asked if I transferred {$70000.00} from Saving to Checking and wire transferred {$30000.00}, I said I did not and they transferred me to Fraud Department to look at this problem as I realized my email and Chase accounts already hacked. Chase already knew something unusual activities from my account by changing phone number to a number in Texas and many attempts of wire transfers but they allow hacker to take out {$30000.00} from my account without security checks. I reported unauthorized wire transfer on XXXX XXXX and submitted a sworn statement to Chase via mail but until today, I called and they said it takes at least a month to investigate. I wonder why it takes so long to take action to recover stolen money and it's not small, XXXX is nearly my yearly income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-19
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was affected by natural disaster of the campfire was receiving FEMA assistance and was unable to make my payments on time after XX/XX/2018 ... I made them when I could put the house on the market and sold it for less than what it was worth just so that I didnt default or lose it to foreclosure they agreed to report it satisfied and not report late payments after XX/XX/2018 however it still shows miss/ late payments.

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 2016-05-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been banking with Chase Business services for some time and thought I understood how they work in processing transactions. To my surprise, over the weekend I received XXXX non-sufficient fund fees for a withdrawal they said I had funds to make. Their systems are usually very accurate, but this resulted in another XXXX non-sufficient fund fees for a total of {$350.00}. So, the first internal transfer between Chase accounts said I had funds and then it said I had funds for XXXX additional transfers of {$20.00}, {$20.00} and {$35.00}. So I paid a {$35.00} transaction for a {$20.00} transfer, another {$35.00} fee for the second {$20.00} transfer and another {$35.00} fee for a {$35.00} transfer. This is the equivalent of paying 100 % interest for one day or annualized at 36,500 % interest. Their representatives could n't explain why this happened according to their time stamps. So, they guessed on what could have caused it. I spoke with a representative at Chase and a manager, then asked to speak with the supervisor of the manager who said they were not available and would call me back.

Company response to consumer: Closed with monetary relief