BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-04
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase acquired my loan from EMC, which acquired my loan from XXXX. 

My original loan was {$15000.00} ( Exhibit XXXX ) in XXXX. The way it got to {$24000.00} was the fault of Chase and its subsidiary, EMC. They foreclosed on my house while I was making payments and they were accepting the payments ( Exhibit XXXX ). Next, while I was out of town, they came into my house and changed the locks. 

I responded to their suit, pointing out that I had the affirmative defense of making my payments and they were collecting the payments and cashing the checks, sent from my bank ( Exhibit XXXX ). They offered me a modification and I was advised to take it, so I took it ( Exhibit XXXX ). I was not aware that the modification included paying for them to come into my home and change the locks ( Exhibit XXXX ). However, the agreement simply refers to {$8800.00}. As I now understand it was to exclude foreclosure fees ( Exhibit XXXX ). However, their documentation clearly states it was foreclosure fees and fraudulent inspection fees ( Exhibit XXXX ). They charged me {$2100.00} to inspect and appraise my property while I was making payments and for a foreclosure that was dismissed ( Exhibits XXXX and XXXX ). However, the dismissal clearly states that each party was to pay their own costs. I thought the matter was settled. 

In settling the suit, Chase 's subsidiary agreed that they should pay their own fees, and for this reason, I thought the modification was null and void. However, they went to court to enforce it and won. These were the kinds of practices I believe the agreement with the attorneys general attempted to address. 

Chase makes much of modification agreement by me in XXXX XXXX ( Exhibit XXXX ). That agreement required me to pay a certain amount to EMC, Chase 's subsidiary on a certain day. I explained to the debt collector that I could pay the amount two days later. He told me that would be fine. I made the payments, as we agreed, but I had to send XXXX XXXX, because my bank would only allow me to withdraw a certain amount in each transaction. EMC held the money for several weeks and then sent it back ( Exhibits XXXX ) The agreement was offered by " XXXX XXXX '', a pseudonym. As I understand it, it is illegal for a debt collector to use a pseudonym in this manner, according to the FDCPA. 

The problems with this are that, as I understand it, the FDCPA requires debt collectors to tell the truth. If it was not okay for me to send the money in XXXX XXXX and two days after the agreed day, he should n't have said it was alright. 

Lastly, if Chase has declared my loan in default and foreclosed, can they charge interest on a defaulted loan. This is what they are trying to do. As a result of the agreement with the attorneys general, Chase agreed stop such practices and to reinstate loans such as mine, as well as repairing our credit and paying us {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Great American Finance Co
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
the loan is included in my chapter  XXXX  the trustee make monthly payment and in  XXXX    XXXX   they reported late payments which is not to have a copy of the payment the trustee made and also they have made a call to my job

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: EQUIFAX, INC.
State: TX
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:
wrong info : FCRA violations ; XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dispute this Previous address XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, LA XXXX Dispute this Previous address XXXX XXXX XXXX XXXX, TX XXXX Dispute this XXXX XXXX XXXX XXXX XXXX XXXX Dispute this Since Previous employment XXXX XXXX XXXX  Dispute this Since Previous employment XXXX XXXX XXXX Dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I opened an trading account with Binance.us in XX/XX/2021 and began trading, withdrawing, depositing my USD. I also verified my identity at that time as required. Binance.us requested documentation for Advanced identification in XXXX which I provided in XXXX. Until, XX/XX/2021, my account was suddenly frozen without notification. I am unable to trade, deposit or withdraw my USD assets. I opened multiple support tickets and until XX/XX/2021 I received a response from the " support '' team. This is what the support stated, " XXXX ( Binance.US ) XX/XX/2021, XXXX PDT - Support Ticket XXXX XXXX XXXX has been updated. 

Thank you for getting back to us! To clarify, this is related to the USD asset class, as users must now be USD verified ( which is now a one-click agreement ) to trade with it. I.e., if you possessed a USD balance at the time of this update due to trading assets to USD, but were not yet USD verified, you would not be able to use this balance. We are currently working to resolve this issue, and greatly appreciate your patience. 


Thank you, Customer Support Binance.US '' Meanwhile, my monies in the amount of over {$1600.00} is stuck on their exchange and I am unable to withdraw that money. I have demanded access to that money without response. I am demanding immediate access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I filed a complaint with the CFPB last year in regards to my chase private student loans and my inability to repay at the current monthly payment. Chase was willing to negotiate to a certain extent and granted me a temporary deferment period. My request to Chase was to lower my monthly payments which was disregarded and as a last resort I signed the deferment paperwork to get some relief. The paperwork that was sent to me was requested to be returned by Chase, even the paperwork with new loan terms which they would not allow me to keep. I sent all signature pages in but they would not grant the deferment until I sent in all the paperwork including the new terms of the loan. I currently have no documentation showing the new loan terms after the papers were signed let alone what my monthly payment will be. I sent in a letter to CSL on XXXX/XXXX/15 requesting to lower my monthly payments being that the deferment period was coming to end relatively soon - I did not get a response from Chase. I made it as clear as I possibly could that I would not be able to afford these monthly payments for the next 20 years. I have no way of paying the original monthly payment and Chase has not provided any documentation showing my new monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: JPMORGAN CHASE & CO.
State: IA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I ( XXXX ) was seriously injured in an accident on XX/XX/2016. I 'm still recuperating from the resulting below-the-knee amputation and other injuries and have been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX ( XXXX ), a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " XXXX '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when XXXX called directly to try to negotiate, Chase refused to speak to her, and instead referred her to XXXX of their XXXX Counseling XXXX. Although the initial recording said we would hear a list of agencies serving our area code, our call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX Solutions. '' XXXX stated that she was in XXXX and did not have offices in Iowa. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where In XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Jon Barry and Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX at XXXX hospital on XXXX/XXXX/15 and received confirmation from my health card provider on XXXX/XXXX/15 that they provided payment in full. Since that time I have been contacted by XXXX, XXXX collection agency and now Paragon collection agency. Each time a new collection agency contact was made I provided the explanation of benefits to the company but Paragon is telling me XXXX XXXX XXXX explanation of benefits was incorrect ; I asked for proof that I owe the debt but they said that was not up to them to provide. This has now been credit reported by Paragon and my credit score has dropped by XXXX points. I submitted a complaint to XXXX and they came back and said Paragon states I owe and they closed my complaint. Again, no proof. What must I do to correct? I have never had any collection debts before and this has already resulted in me getting a letter from XXXX that they are closing XXXX of my credit card accounts. 

Thanks for your help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-24
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
After I legally parked my car and paid the fee, my car was booted prior to expiration of time. I was threatened and forced to pay for boot removal. Did not accept or consent but signed under duress. They acknowledged I was right but still demanded payment. They also altered the credit card receipt by scratching out time and writing in a later time that made me appear delinquent. Chase dispute team put me through hoops and wasted lots of my time. I faxed the documents and a narrative. They considered the charge valid and contended that I agreed to service rendered ( removal of boot ) though receipt says " no service rendered ''. They did not care that the documents were altered. This company clearly goes along with fraudulent conduct by companies scamming their clients. No recourse for me except leave Chase which I have. Terrible treatment designed to " make you go away '' through transferring calls, disconnecting calls, failure to return calls, placing you on hold indefinitely, ignoring documents sent to them at my expense. Never did they intend to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My name is XXXX XXXX XXXX, and I have had XXXX joint account opened with Chase for almost 10 years. The last XXXX of my credit card is XXXX. I never had any issues ; never behind or late on my account. I have always value my relationship with Chase. Recently I discovered that my account had been closed ( back in XXXX ), but the closing was unauthorized. I never received any type of letter that confirmed the closing or else I would have responded in order to correct or dispute the information. This was my very XXXX credit card, and I would have never attempted to close my account under any circumstances. I called in and spoke to a representative to find out what happened with my account. The representative informed me that it was closed, and it could 've happened by mistake, but I would have to speak with her supervisor to get the account re-opened. Her supervisor XXXX came to the line, stated that the previous rep gave me incorrect information and states that nothing can be done to re-open the account whether it was or was n't a mistake. He states that it was closed in XXXX. He stated that someone called in to close the account, but he had no actual evidence of the call or who called in to do it. He stated that " it must have been you!! '' When I asked to speak with his supervisor ( XXXX XXXX ) he claims that his supervisor wont be available until after XXXX, and if he was available he would n't allow me to speak with him, because he has everything under control and his supervisor would n't be able to help me anyway. After I informed him that I was going to report his attitude and unprofessionalism to the executive office, then he allegedly transferred me to a miscellaneous extension that was not his supervisor extension. It ended up disconnecting the call. I do n't deserve to be treated like this. I did not use any type of profanity nor did I raise my voice during the call. I attempted to handle the conversation in a very professional manner, however I was treated with any type of dignity or respect. The supervisor was very rude, and cold hearted when it came to assisting me. He never attempted to see if the closing was performed by mistake or if the person who called in was even authorized to take matters into their hands to close my account. I would like for my account to be re-opened, because I never authorized for it to be closed, and I do value my relationship with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card
Issue: Payoff process

Complaint:
We paid off our monthly balance on our Southwest miles card from Chase and were still charged interest on the next month 's bill. I was informed this is because of a residual interest. Where if you carry a balance one month, you have to pay off at least two months in a row to not have interest. The part that bother 's me is that the statement says How to Avoid Interest " If you pay your account in full each billing period by the date and time due, no interest is charged on new purchases month to month. '' I found this very misleading. The Chase person said, yes, of course, it says " each '' which means " all '' or at a minimum two months in a row. This seemed crazy to me. So I think Chase should be required to say. How to avoid interest? Never carry a balance. If you do carry a balance for even one month, it will take you at least two months of fully paying off your bill before Chase will stop charging you interest.

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: Received bad information about my loan

Complaint:
I anticipated bill problems a number of years ago due to upcoming surgeries. It was suggested I " default '' on payments and seek forbearance after the surgeries/rehab. I did. I was under the impression it would not negatively affect my credit scores. It did affect my credit history negatively! ( XX/XX/XXXX and XX/XX/XXXX an the next year XX/XX/XXXX-XX/XX/XXXX ). 
I attended the University XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Unauthorized inquiries on my report from Chase Bank credit cards. I was told that one back in XXXX was going to be removed this month. Not only is it still there, but there is another one now! I also have a fraud alert on my file and did not receive a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
Hi, my name is XXXX XXXX ( XXXXXXXXXXXX ) This is the problem I have : On or about XX/XX/XXXX by XXXX XXXX XXXX a collection is reported on behalf Public storage ( XXXX XXXX, XXXX ). I disputed this as it is incorrect! I contacted XXXX XXXX XXXX and they filed to remove this on or about XXXX before. As of to day I do not have XXXX XXXX XXXX is not on my record, " ONLY!!! '' my score have not re stated the XXXX points! It was before XXXX ( XX/XX/XXXX after the XXXX XXXX XXXX collection report information was lowered to XXXX ( XX/XX/XXXX ) I Know that XXXX have a math to calculate the Credit Score, my problem is if my score changed do to! that negative input, why the same " math '' ( FICO score algorithm ) have not re calculated it? as now I do not have the " wrong '' input!? 
Can I have my missing score reinstated please. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTEL : XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: JPMORGAN CHASE & CO.
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage and I asked for the orginal note back, then I had My lawyer XXXX XXXX ask for it ... .they will not return it to me. In Washington there is case law that says I 'm liablble if I do n't get it back and I 'm very worried about that happing. If I pay the note off I need it back ..the orginal and NOT a copy ... they could be selling it again in a pool on XXXX for all I know ... can you help? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX Property Address I paid off is XXXX XXXX XXXX Mo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: Other fee

Complaint:
I had a Chase Mileage Plus Explorer Visa card which has an annual fee of $ XXXX./yr. I chose to discontinue that card and knew that the fee was coming due in XXXX. I cut up the card and mailed it to Visa in the XXXX. When I received the statement in XXXX, I ignored it since I knew that I had already closed the account and had not made any purchases on it for at least six months. 
In XXXX, I received a statement with the {$95.00}. annual fee plus a {$1.00} purchase interest charge. 
I called them immediately saying that I had mailed the cut up the card and that the account was closed. They told me that they had not received notice that it was closed and that they would close the account but that I still owed the {$95.00} fee since it was not closed within the time frame of when the bill was received. 
My argument is that I certainly did close it within the appropriate time frame. The fact that they can not find it should not be on my dime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX complaint, NO competent action taken from chase bank corporate lawyers. Chase is regulated to protect 2 months of my VA XXXX. Spelled out in countless laws. Especially XXXX XXXX. XXXX veteran XXXX protection act. XXXX NEW treasury dept rules, because of the cryptic loopholes created. No inconsistent state law preempts federal laws. NOT to obvious is it?! # Plus minnesota law does NOT garnish veteran benefits. Obvious exemption. The real issue is malicious lying welfare clerk XXXX trying to obscure and manipulate state and federal laws to cheat and harass me. THIS infamous deceit and collusion from XXXX XXXX minnesota is irrefutable, dates back to their reckless grossly inapt kangaroo hearing in XXXX. ALSO obvious these XXXX are required by state law to send chase bank a current court order that stipulates payments, AND spells out I NO longer owe any child support as of XXXX. CRYPTIC SEMANTIC DECEPTION, ACTIONABLE TORTS IS SUPPOSED TO BE REVIEWED BY SOMEONE COMPETENT AND QUALIFIED IN HARASSMENT LEVIES, INAPT GARNISHMENT ORDERS CONTRADICT STATE AND FEDERAL LAWS. To date some generic clerk from their presumed chase executive office calls me, gives me some sloppy excuse, their legal dept is looking into WHAT?! # Are they that stupid and ca n't see this is illegal and cryptic harassment?! # Bottom line is they are required to protect my [ 2 ] months of direct deposited VA XXXX. NOT blunder, and enrage me with incompetent stupidity. ANY phony obscured judgement requires scrutiny!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Due to XXXX XXXX action some of my credit Cards were cancelled or revoke by other financial institutions. In this complaint against Chase I was told its not going to be a late of the final amount of {$100.00} A late fee of {$25.00} back from XXXX 2016 it was reversed on XXXX 2016 as I was told by Chase customer service I 'll receive the final statement with no late fee involved. 
I waited for the final statement last month I I never received it Today doing my other payments I called Chase customer service and The Supervisor XXXX XXXX told me since I been given a late charge removal from XXXX they cant no adjusted the account no longer and the total amount due is $ {$120.00}. I told her upon condition to submit the payment I would receive a final statement by Chase to submit 2 payments toward the total amount of {$100.00} and if Chase does n't honor what I been told I would file an inquire with the CFPB to resolve this matter.

Company response to consumer: Closed with explanation