BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Sallie mae is very sneaky, I thought I had rights that I did not have based on sneaky advertising practices, I was not aware they could collect debt even if I was still in school or collect debt while I was out of work. They would never work with me or set up a resonable payment plan because I was n't a " govt. '' loan. I was very confused about my rights and would have never gotten the loan if I had known I did n't have the rights. Also they sold my loan to a collection agency something I was not aware they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This debt was a business loan, and was discharged by the courts due to the fact it was a business debt and unemployed both my husband and I and the debt was dismissed. This debt was bough and you guys are trying to collect from an item that was discharged, thats where there arent any judgments. Your eliminar of this item as per the FCRA, is to be removed immediately. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-16
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
this is a supplemental complaint about Santander Consumer USA They failed to provide any documentation that they actually moved XXXX payments to the end of my loan as promised. Nor did they ever send me the necessary paperwork to sign to authorize this. I am demanding that they provide documentation and I also demand they provide transcripts of all phone calls between me and the various customer service representatives, they claim all calls are recorded. This will confirm my earlier statement that I have been told by various representatives I can make the minimum payment of {$180.00} and will be current.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Im not 100 % sure that i was part of predatory lending but it does seem like a lot of people have issues with XXXX and XXXX. I for XXXX have tried to make payments to the vendor XXXX but due to being in and out of jobs it was difficult to stay up on considering having a family to take care of now and then it was just a burden to pay monthly payments. for now XXXX of my private loans went into default a few years ago, i currently pay a little payment on XXXX of the private loans which is probably a waste of time. my federal loans have not been paid since their inception.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened my Capital one card after being sent a letter telling me that I was preapproved based on my credit score. The card is supposed to help build your credit and I was told that after making on time payments for XXXX consecutive months, my credit line would be raised $ XXXX {$300.00}. After the 5 months, I received a letter stating that because I had demonstrated such responsible use of the card, they were raising my limit {$500.00}. I continued to use the card and make all my payments on time. On XXXX/XXXX/16 I log onto make a payment and see that my account is being restricted. I call customer service and was transferred to " the executive office '' where a rather rude and XXXX tells me that my account has been closed and I was mailed a letter. I asked her why and she said this was due to pending or past legal action against me. I asked her for the date of the alleged legal action and she tells me she does not know, but that I can call my XXXX office or the state. I requested to speak with a supervisor after she transferred me back to the main customer service line and was told that the department was closed and I could not leave information for a callback. For the next several days I contacted my XXXX and also the XXXX Court ( State and Federal ) in my state to inquire about the legal action Capital one is saying was the reason for my account being closed, no one has any record of legal action against me. I even paid for a background check on myself and again nothing! I requested to not be charged a late fee due to the lack of information and being told I would need to address the issue with outside agencies. This morning I receive an email from them saying that I am now being assessed late fees and penalties from them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Please Help! I believe I am being discriminated against by JP Morgan Chase while trying to refinance my home. 
On XXXX XXXX, 2016, I started the process to refinance my home. After checking my credit and sending all the appropriate documents to determine eligibility for the refinance loan, I was approved. I sent all the appropriate documents to the underwriting department ; each time I send the paper work that is being asked. The underwriting department comes back with something else that needed. 
The underwriting has documents and proof that prove I can afford the loan and will pay the loan promptly ; however the underwriting department with JP Morgan Chase bank continues to make the process difficult for me. I am not asking JP Morgan Chase for a favor ; I am just asking to reduce my interest rate through the XXXX program. With my credit score, equity of my home, and mortgage payment history, the interest rate for my current mortgage should not be 7.11 %. 
It has been almost three months since I have been going through this nightmare. I feel I am being discriminated against because I am XXXX. The Bank has proof I can afford the loan, because I have been with my employer for 20 years, and pay all my bills on time. For the past month, every time I check my XXXX XXXX it is above normal. The underwriting department is request information that does not pertain to me paying my mortgage. I have never encountered such discrimination in life. The underwriting department should not judge the consumer by XXXX their skin on the identification card picture sent to them ; but instead by the individual financial status and history of repaying a loan. 
Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card
Issue: Transaction issue

Complaint:
I was involved in an accident ( on XXXX XXXX, 2014 - Claim # XXXX ) while driving a vehicle rented from XXXX ( case # XXXX ). XXXX has, until now, not given the necessary quote for storage, towing and repairs to my insurance provider ( XXXX ). The credit card company ( CHASE VISA ) which was used to pay for the initial rental has rejected my dispute claim and is demanding that I pay the amount of {$3400.00}. My insurance provider has an incomplete quote from XXXX and is claiming that they have a request for the same amount that XXXX is billing my credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Issue: Late fee

Complaint:
paid my payment in XXXX for XXXX but paid before generating charged a late fee, called and complained late fee removed paid in XXXX apparently again before due date but will not remove late fee because already had XXXX removed, no one bothered to explain if pay before due date then it would generate a late fee, still confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am an attorney. I represent homeowners in foreclosure. I normally advise my client to submit legitimate complaints here, and I think my client has in this matter, but this case is so gut wrenching and the consequences so dire, that I want to make sure it gets the full attention of the CFPB. Bottom line, my clients have lost their homestead property AND NEARLY {$300000.00} IN EQUITY because of a gross and well documented case of dual tracking. My client has very good and very detailed records of correspondence from JPMorgan who confirmed they had a completed application in. My client next confirms that while she knew a foreclosure sale was set, JPMorgan advised that it would be cancelled. My client confirmed with the attorney for JPMorgan that they were cancelling the sale. I personally spoke with the attorney for JPMorgan chase who confirms that they moved to cancel the sale. The problem is, the court refused to cancel the sale and now their home has been sold to a XXXX party at an auction. I am trying everything I can procedural to undo this sale, but our options are limited. This case illustrates a serious problem in lack of enforcement of CFPB protections. I urge you to read the Order issued by the judge in this case and I especially urge CFPB to pay particular attention to the well-documented facts that judges in circuit courts are refusing to recognize CFPB protections. This case represents very harsh consequences of this refusal and I implore you to intervene in this case and use this case for larger enforcement purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I wanted to inquire about the Chase violations of billing practices. Since XXXX I have been attempting to resolve the amount that was placed in collection total amount $ XXXX.However I have not been able to get a determination of who is the collection agency is. My acnt opened XXXX ; Closed XXXX ; Reported XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I filed a dispute with Chase for a covered situation, in which I ordered goods with a guaranteed shipping date and received them after the event they were ordered for had passed, due to the vendor shipping them 5 days later than was guaranteed. Chase accepted my dispute and then two months later on XX/XX/2016 sent me a letter demanding more documentation, due by XX/XX/2016, a federal holiday. I mailed XXXX pages of documentation in the prepaid envelope provided by Chase on XX/XX/XXXX. On XX/XX/XXXX Chase without considering that a federal holiday may have delayed their preferred method of shipping ( the XXXX envelope they sent me ) closed my case and ruled in favor of the vendor without ever speaking to me or reviewing the extensive documentation I sent. After receiving their confirmation that my dispute was closed and that they had rebilled my account, I discovered they had incorrectly classified my dispute all along ; despite my written statements and discussion by phone with Chase, they had filed my dispute as " merchandise not received, '' when I had submitted the dispute under " merchandise received too late to be useful. '' I called Chase to explain this and was promised a call back from the person handling my dispute within 24-48 hours. A week later I am still waiting. 

Chase therefore : 1. Misclassified my dispute and ruled against me under false pretenses by accepting merchant 's proof of the ( late ) delivery as proof my dispute was invalid ; 2. Required me to return documentation by mail on a federal mail holiday ; 3. Closed my dispute without waiting to receive said documentation for even one full business day after said federal holiday ; 4. Promised to communicate with me by phone and did not do so ; 5. Violated their own merchant agreement by failing to honor a valid dispute due to the mishandling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On or about XXXX XXXX, XXXX, I entered into a 30-year mortgage agreement with CHASE for my primary residence. In XXXX XXXX, my application for a mortgage modification agreement was accepted by CHASE, and I made three ( 3 ) subsequent trial mortgage payments to CHASE. After successfully completing the trial payment process, CHASE sent me a letter which stated that I was approved for a permanent mortgage modification. Chase also sent me the permanent mortgage modification agreement to review, sign and return to them. Upon review of said agreement, I discovered discrepancies contained within it as to the terms of repayment. I contacted CHASE and spoke with a representative and informed them of said discrepancies and the representative agreed that there were indeed discrepancies contained within stated agreement and advised me not to sign it. I contacted CHASE on numerous occasions via telephone and certified mail to request that a " corrected '' agreement be sent to me, so that I could sign it and begin repaying my mortgage. CHASE ignored my several requests for a " corrected '' agreement repeatedly over several months, and actually sent me a letter declaring that I did not qualify for stated mortgage modification, months after initially approving me for it and accepting my three ( 3 ) monthly trial payments. This matter has been an issue in my open Chapter XXXX bankruptcy case, in the U.S. Bankruptcy Court XXXX of Indiana. 
CHASE never addressed my request for a " corrected '' mortgage modification agreement, and sent me notification that they had transferred my mortgage to another mortgage servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 been a victim of Identity Theft. I did not Authorize anyone to use my personal information of any kind to open any accounts using my Name and social. this is Fraud.

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 2015-09-16
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was laid off XX/XX/XXXX. We contacted our mortgage lender, JP Morgan Chase, and were granted a 12-month unemployment forbearance XX/XX/XXXX. XX/XX/XXXX ( two months later ), we called Chase to let them know I was working again and submitted our paperwork to re-start normal payments on our mortgage. XX/XX/XXXX, Chase contacted us and asked for a forbearance payment. We explained that I was working now and that our Customer Assistance Specialist had informed us that our unemployment forbearance had been canceled. Chase insisted that we make a payment anyway, which we did. Chase called again in XX/XX/XXXX and insisted on another forbearance payment. These funds ( over XXXX dollars ) went into an " Unapplied Funds '' account which did not count towards our mortgage payment, and that money was not returned to us. XX/XX/XXXX, Chase contacted us and told us that our account was marked delinquent since XX/XX/XXXX and asked what our intentions were. I told them the paperwork was in their hands and offered to make our normal mortgage payment right then so we would n't get further behind while waiting for them to process our paperwork. Their response was that they could NOT accept any payments on the account unless we first paid the entire past-due balance! This was ( at the time ) XXXX months of payments plus late fees, totaling almost XXXX dollars! I explained that I was newly-employed and did n't have XXXX extra dollars to give them, but would happily make a normal payment. Again, they said that any payment made would simply go into the " Unapplied Funds '' account and would not count towards our mortgage. Each month since then, they have contacted us or we have contacted them, with the same result ( except the past-due amount has increased ). XX/XX/XXXX, I finally received Chase 's determination. They said we were ineligible for any assistance and suggested we short sell the home we have lived in for 14 years. We told them that was an unacceptable option, as we have approx. {$40000.00} in equity. Although we filed a Dispute of their determination, they informed us in XX/XX/XXXX of their intent to foreclose. So, as it now stands, our mortgage holder, JP Morgan Chase, will not accept mortgage payments from us while, at the same time, they continue to list us as delinquent and are adding late fees and payments to our past-due balance each month, and are now starting the foreclosure process! We feel like Chase is trying to rob us of the equity in our home, as well as committing fraud by ( 1 ) listing us as delinquent while refusing to accept any payments from us and ( 2 ) requiring payments from us and then not applying them to our mortgage or returning the money to us. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
There were withdrawals being made from my bank account at Chase Bank, the origin being XXXX XXXX bank. This was an automatic withdrawal that had not been approved by me. I did not become aware until more than 6 months later when I checked my statements. I had put my trust in this bank, that they would notify me of any unusual activity, since they told me they would when I opened up my account with them. which they failed to do. Upon contacting Chase, they told me it was from a dealership. They made XXXX different withdrawals, for an amount {$800.00} every month. I have contacted Chase on several occasions to inquire about the exact dealership as well as the name the person who is making all these withdrawals, and they have refused to give me any information except to tell me that they are only returning 3 months worth of withdrawals. I also let them know about another withdrawal that had been made for almost {$500.00} from XXXX, which I do n't have an account with either. I have pleaded with them for help, and even let them know I would be contacting other mediums if they refused to help. I have proof of the vehicle that I owe nothing to any dealership under my name. I have also contacted XXXX to make sure there are no accounts currently in my name to prove I did not pay those. I also can prove that my residence is not the one that my account paid for. I contacted XXXX and was told that Chase would be the only one that could reverse that charge. I am hoping that there is something that you can do for me, because these funds are mine, and I have NOT authorized for anyone other than myself to use my account for any purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Chase sent me an offer for 15-month 0 % balance transfer around XXXX or XXXX XXXX. After some considerations, I took up the offer and made a balance transfer near the end of XXXX XXXX, and paid transfer fee. I set up online automatic payments. Strangely Chase stopped to send any monthly statements after that but later notified me to switch to online billing, while no e-mail monthly statements were received. Checked e-mails including spam files never yielded any e-mail. Started XXXX XXXX, merely 13 months into the offer, Chase started to charge interest. I called, one customer service rep and his supervisor both stressed that the offered 15-month period starting at the time the offer was issued, not the time of transfer. I never heard such offer and such term. I asked the bank to provide me with original records but Chase has n't provided. 
To me, it is typical " bait and switch '' tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: DISCOVER BANK
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Discover closed my credit account effective immediately and without an reasonable explanation. The only reason in the emailed message is " business decision '', but no further explanations. I feel this is very rude. I own this card for about 6 years and I used it daily and regularly and always paid balance on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I went to open an account with Chase Bank in the XXXX XXXX XXXX shopping center in XXXX XXXX, CA. I had opened a business account and disclosed I had been a victim of severe identity theft by a career criminal. I stated not only accounts were opened in my name but also, checks had been compromised and other information with other accounts. I assumed I had been red flagged by Chase and asked to provide the information proving the derogatory issue was not my fault. Not only did they refuse to disclose they had put my personal information on restriction, they had also refused to review anything regarding changing their relationship with me. I made an identity theft report with them and everything. This is not a friendly bank to do business with at all. Customer service refused to disclose any policy whatsoever. They told me to check the credit bureaus, XXXX and told me they could not say whether any of those influenced their decision. Chase went out of the way to keep me from resolving the matter and I was furious.

Company response to consumer: Closed with explanation