BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Chase Bank will not accept my payment on my safe deposit box in their XXXX Branch in XXXX XXXX, which I have submitted twice through Chase online bill pay and now are charging a late fee for nonpayment. 
The box is located in XXXX XXXX but as I now live two hours away in XXXX I have paid online twice. 

1st I sent the payment through chase online bill pay to the same address I 'd used before and where it had been accepted previously. That check was returned as they claimed they had no account. 

I next talked to customer service who directed me to send it to a 2d address and assured I would not be charged a late fee. So paid again through the chase online bill payer but to the address given by customer service but the check was again credited back to my account as not accepted. 

I called customer service again and was told to pay directly to my XXXX branch where the account was located. I Received a bill with a late fee so called that branch and was told they could not accept the payment either mailed or online as would have no way to credit it properly. 

So again I called customer service and spoke to a representative who knew nothing and then a supervisor who told me the only way to pay it was to either drive to the XXXX Branch ( which already said they would not accept the payment and would have no way to credit it ) or to an XXXX Branch in XXXX, an hour away from me. Based on my conversations with the branch this information is incorrect also and it will be a wasted trip. 

So, I now have an overdue bill and late fee and no way to pay this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
( 1 ) Could you investigate the Chase 's mortgage accounting book? We received wrong mortgage interest statements ( Copy B ) and ca n't file our tax return. 
( 2 ) Chase paid only {$8800.00} and {$5800.00} in interest in XXXX and XXXX while they should have paid ~ {$9900.00} and XXXX {$9500.00}, respectively. We made regular payments ( interest + principal ) throughout the years. It appears that Chase stole the money before they paid interest. 
XXXX {$11000.00} ( Chase payment ) vs {$11000.00} ( our estimate ) XXXX {$10000.00} ( Chase payment ) vs {$10000.00} ( our estimate ) XXXX {$8800.00} ( Chase payment ) vs {$9900.00} ( our estimate ) XXXX {$5800.00} ( Chase payment ) vs {$9500.00} ( our estimate ) ( 3 ) Chase violated our NOTE & DEED OF TRUST which state that the payments should be allocated in the following order of the priority : ( a ) interest ; ( b ) principal ; ( c ) escrow. 
( 4 ) We want to point out that, by mere paper work, Chase manufactured a false deficiency and stole XXXX {$35000.00} from us. They doubled tax burdens ( with 100 % interest ). Chase allocated the payments in the following order of the priority : ( a ) Chase 's theft ; ( b ) principal ; ( c ) escrow ; ( d ) interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX requested a copy of the escrow refund check cashed on our Chase Mortgage which closed XX/XX/XXXX. Received the check around XXXX/XXXX/XXXX and it is shown that my ex-husband did a deposit via phone with only his signature when the check was drafted to him AND myself. Bank of America-his bank should have rejected the check by law as well Chase should have drafted funds back to XXXX and re issued XXXX checks for payee not as endorsed. I went to the XXXX branch in XXXX, filed their paperwork for Fraud and have been advised that the issue is with Chase. Working for a bank myself, I know that they are not following protocol. 

Chase is not following up after multiple requests and letter sent to them XX/XX/XXXX. Chase, the issuing bank, should have rejected the check for payee not as endorsed and has not resolved. 

I need assistance to get these banks to rectify their error and fraud on my ex-husband 's side in cashing a check without my signature for payee not as endorsed. 

XX/XX/XXXX XXXX with XXXX called and advised that Chase needs to resolve the issue. No area to amend original complaint, submitting updated complaint for Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
On Friday, XXXX XXXX, 2015, I submitted a credit application for XXXX credit cards, including the Chase XXXX Preferred card and the Chase XXXX card. I am a long standing customer of Chase Bank and have a previous lending relationship with the company. Upon submission of my applications, Chase Bank declined the Chase XXXX card, but approved the Chase XXXX XXXX XXXX Card. Subsequently, I called the Chase Lending Services phone line and was informed that Chase Bank employs a policy whereby Chase does not approve consumers who have opened XXXX or more credit cards within the past 24 months. However, please note that I was in fact approved for the Chase XXXX XXXX XXXX Card, which would violate the policy stated by the representative. I asked the representative where the policy was advertised during the application process and he advised that it is not disclosed. Furthermore, he said this policy decision is not a reflection of my credit worthiness or existing relationship with the bank. I expressed my concerns that this policy is not advertised during the application process. Chase is running a hard credit inquiry, which affects my credit score. Instead, they could just disclose during the application process that the XXXXcard policy exists and would eliminate a hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I had opened a Chase credit cards in XXXX I called and requested a credit line increase which was granted and it was increased to {$4500.00}. In XXXX I noticed on my credit report that it stated my credit line had decreased to {$3000.00} and is now going over the credit limit. I was in no way by phone or mail notified that this is a temporary credit line increase. I have disputed this with the car company and have gotten no answers they state that they have no phone records that they can provide for me because if they did it would prove that I was not notified of this. I feel I have been illegally bound to terms that I did not agree with I would like all XXXX credit reporting agencies to respond to me in 15 days with proof that I was in fact correct that this was done illegally I would like this account closed in good standings with a XXXX balance because of what Chase has done to me if they can not provide proof of this I feel that is fair I did not want my credit reported negative in any way shape or form as this was not my fault as a consumer and it was illegal I have attached proof on my credit report stating the drop in the credit line and now because my credit is showing over the limit I can not receive any more credit from this company nor any others I have also lost {$500.00} because I was in the process of refinancing my home and had to pay for the appraisal and now it will not go through because of what they have done to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i noticed i have XXXX hard inquires my report i did not apply for XXXX, XXXX.XXXX how doi get them off.i am trying to raise my score and i have read these are not good i am a new member and i thank you so much for all this information '' i would not even know about these inquires!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In the process of refinancing my home mortgage. My refinancing company called and faxed Green Tree Mortgage to get payoff. Green Tree never responded with payoff in writing for my refinancing company to complete my new loan. When I contacted Green Tree by phone to request payoff, I was told my account was flagged and they could not talk to me about any details. When asked to know reasons for this situation, I was told to have my lawyer talk to their lawyer. This is my own account, why do I have to hire a lawyer to talk to their lawyer. My account is in good standing ; no late payments until now as I was advised not to pay XXXX that it would be rolled into the new loan. I sent XXXX payment to Green Tree today XXXX XXXX by on line banking as Green Tree refused to take payment by phone or allow me to do on line within their Green Tree system. I was told by Green Tree that if I did not pay by 30 days that it would go on my credit rating for seven years. My refinancing of my new loan is at a standstill without any explanation from Green Tree. I also faxed Green Tree to state what was going on my my account. No response. I sent message to Customer service within their Green Tree system. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: DISCOVER BANK
State: OH
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:
Discover Student Loans, the current servicer of my private student loan recently sent me a letter indicating that during a " recent review, '' they discovered that unpaid interest from a previous deferment period was not added to my principal loan balance. Because of this, my minimum monthly payment was lower than what it should have been. To resolve this, they added the unpaid interest to my principal balance ; however, the exact amount added is not disclosed in the letter. Along with this, they have indicated that my monthly payment will also increase, in which that amount is also not disclosed. They have indicated that the adjustments will be reflected on my monthly statement within the next 60 days, but no explanation on the amount added back in and how they arrived at the dollar figure. The letter also indicated that a credit of {$210.00} has been applied to the interest balance of the loan, which is not known how they arrived at that exact figure either. The letter sent is extremely vague and does not discuss how they arrived at the decision or calculation used to add back in the amount to the principal balance or what the new monthly payment would be. The letter also states that this was done to ensure the loan is paid in full at the end of its repayment period. Additionally, the letter states that any adjustments made will not increase the total cost of the loan ; however, my balance increased along with my monthly payment. Upon logging in to my account, it was discovered that Discover Student Loans added back in over {$2500.00} to my principal balance. To find an answer to my questions, I contacted Discover Student Loans where I was unable to obtain any answers, but they did mention that my payment has increased by approximately {$20.00} per month. Out of the XXXX representatives I have spoken to in the last two days, I have not been given an answer as to how they arrived at the calculation used to determine the exact amount added back to my principal balance and they have failed to follow up with me regarding my concerns. I have now been in repayment for close to five years, with 100 % on-time payments. I feel that I am being mislead and I am having to pay for a mistake that I did not make. As you will see in the recent statement attached, I have paid {$20000.00} through XXXX XX/XX/2015 and of that amount, {$20000.00} has gone to interest alone. It also indicates {$0.00} in late fees to date. 

School : XXXX XXXX ; XXXX, OH

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was contacted by Chase regarding suspicious charges on my checking account. After verifying that the charges were fraudulent, Chase automatically cancelled my debit card. The associate told me that, due to recent policy changes, I could not obtain a new debit card at a branch because I opened the account ( 3 yrs ago ) with my home state driver 's license but I have since obtained a driver 's license in my current state of residence. Per their new policy, the ID # has to match the ID used to open the account and I could not have submitted my new ID for record even if I wanted to. Even though the address on my new license matches the address that has been on file at Chase for 1.5 yrs., it was not enough to prove my identity. The associate told me that it would take 3-5 business days to receive my new card and did not offer to rush ship the card or make any accommodations. It has since been more than a week and I do not have a debit card. I have spoken to XXXX different Chase representatives ( XXXX at call centers, XXXX at branches ) who have all told me different things resulting in an enormous waste of time and unnecessary time spent at the branch. They cancelled the original card and have NOW requested a rushed card but, in the meantime, I am unable to pay many bills that only accept cards and not checking account information. I may lose promotional rates at gyms, entertainment services, and utilities. Other than this financial risk, I think this is problematic for other reasons. First, Chase told me that there is no way to proactively update my identification materials after an account is open, even though moving and obtaining new IDs is very common. I ca n't put this ID on file to help prevent this hassle in the future. Second, they did nothing to proactively problem solve around this until it had already been a week without a card ( they finally offered to rush the card ). Finally, it is clear that the balance between access and security is very much skewed since I ca n't access a new card regardless of the identification I provide. Obviously it would keep everyone 's assets safest if NOBODY can access the funds but that would totally defeat the purpose of a checking account. This policy COMPLETELY disadvantages the consumer and only recognizes the needs of the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I have a few loans with Chase bank. I have been unemployed for nearly XXXX months, and have been actively trying to find a job. Chase bank handed over their loan servicing to XXXX XXXX XXXX ( XXXX ). Last week, I spoke with a representative of XXXX, and found out the what needed to be paid on the Chase loans, and I asked them when I would go into default. The XXXX representative was unable to tell me when I would go into default. This Monday, I contacted XXXX with money which I was able to scrounge up, and was shocked to find out that my loan had already gone into default. I was n't notified in any way that I was that close to default. It struck me as a complete surprise. I tried talking with XXXX about my options, and they sent me to Chase which sent me back again to XXXX - ultimately XXXX huge circle of no one knowing anything. I want to know how to fix this and why was n't I better notified of my default. I 'm barely surviving as it is, suffering from diagnosed XXXX, and I ca n't keep up with these loans in this horrible economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Nelnet, Inc.
State: TN
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 had about 12 late payments to report on my credit report because of an inaccuracy on their end. My student loans are deferred until XX/XX/XXXX so I am not sure why XXXX accounts state that there was a 90 day late payment back in XX/XX/XXXX. This has impacted my credit report in a tremendous way and I do not feel that it is right. I have tried contacting this business and was not able to speak with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Good Morning, I am wanting to advise of an issue that I was just alerted of regarding Chase Bank. I have XXXX accounts at this institution and my daughter was making a purchase at a retail store where her credit card was denied. I called Chase to find out the issue of what was wrong and they advises that our account was in loss prevention and no are no longer wanting to do business with us. I asked why and they proceeded to tell me they do n't have to disclose a reason as they are able to close accounts when they want and the reason that they have is in an internal reason and they are not able to disclose to me why. I basically asked the representative at Chase so u mean it is a big secret and he said basically yes and they will send me a check of the remaining balance in the mail in 10 days or I can go to a branch and get my money. I am at a loss for words as now I have XXXX which are accounts for a XXXX XXXX and a XXXX student where we have to figure out in a blink of an eye what our next step is. We have to stop 4 direct deposits and because what we are blue collars workers that live paycheck to paycheck and are not profitable to the bank we get the axe without any for warning. My account does not have suspicious activity. All my deposits and withdrawals are all associated with a name/place whether I use my atm card or have it directly withdrawn from my account. I work and pay bills and ensure my children 's accounts are ok and transfer money to and from of needed so everything is labeled. I think freezing someone 's account without warning is not a proper way to do business especially if we are not profitable and then proceed to say they ca n't disclose the reason why. If they feel I am doing something wrong why not advise me so it can be straightened out which is why I think it boils down to the bottom line that we are not beneficial to this XXXX dollar institution. I now need to take a day from work to go to the bank to get my money and open another account with needing to stop electronic deposits and withdrawals in a rush all because we do n't fit the ideal customer they are looking for but the business account I have my name associated with as I am a signor for our XXXX XXXX is still ok to stay open with hem because of the high balance. 

Thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I have applied for Amazon.com credit card around XXXX or XXXX 2015. Despite the fact I have credit score of XXXX plus Chase denied my request. As the attached letter indicates. Chase only states that I had " previous unsatisfactory relationship with us or one of our affiliates. '' It does not indicate what did I do that was unsatisfactory to Chase or its affiliates. This is against the law I should know why my credit is denied. Chase policy is exclusionary and discriminatory. I am an American Citizen of XXXX for twenty years and a XXXX person. This exclusionary policy by Chase has caused tremendous hardship for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have filed a complaint before - Case # XXXX. I was hit with a " double whammy '' yesterday, XXXX XXXX/XXXX/16, with NOT 1, BUT, 2 harassing letters from JP Morgan/Chase, demanding that I pay THEM MORE MONEY, AFTER, I HAD SENT THEM A CHECK IN THE AMOUNT OF {$49000.00}. ALONG with a letter stating that this was PAYMENT IN FULL AND I WOULD NOT PAY ANYTHING ELSE!! BUT, JP Morgan/Chase is STILL HARASSING ME FOR A MERE {$35.00}!!!! IF THEY HAD N'T BLOCKED MY ABILITY TO PAY ONLINE, AS THEY HAVE, THEY WOULD HAVE GOTTEN THAT FINAL PAYMENT, THE DAY THE STATEMENT WAS RECEIVED!!!! BUT NO, I HAD TO SEND THE PAYMENT VIAL " SNAIL MAIL ''!!!!!! AREN'T/CA N'T THEY BE SATISFIED WITH THE $ XXXX I SENT THEM TO PAY OFF THIS DEBT?????? THIS IS NOTHING BUT HARASSMENT ON THEIR PART!!!! WHAT NEXT??? THEY ARE GOING TO FORECLOSE ON MY HOUSE FOR A FREAKING {$35.00}??? IT 'S THEIR FAULT THAT THEY BLOCKED MY ABILITY TO PAY ONLINE AND TO SEND THEM EMAILS!!!! I 'VE HAD IT WITH THIS FRADULENT BANKING CORPORATION!!! I TOTALLY REFUSE TO PAY THIS {$35.00}!!! WHAT THEN?? AFTER I PAY THAT AMT. THEY ARE GOING TO COME AFTER ME FOR MORE MONEY FOR PADDED, BOGUS FEES, WHATEVER???? I 'VE HAD IT, AND I 'M GOING TO TAKE A STAND, EVEN IF YOU ARE NOT!!!! I 'M SO XXXX AGAINST THEM, AND, HAVE XXXX & TIRED OF THEIR INTIMADATON, HARASSMENT, AND THREATS, IT IS N'T FUNNY!!!! THIS BANKING ORGANIZATION, JP MORGAN/CHASE, AS I HAVE FOUND OUT, HAS HAD NUMEROUS COMPLAINTS AGAINST THEM AND THEY HAVE BEEN ACCUSED OF FRADULENT BANKING PRACTICES!!! BUT YOUR ORGANIZATION IGNORES/TURNS A BLIND EYE TO THAT??? WHY??? BECAUSE THEY 'RE A HUGE CORPORATION AND YOUR AFRAID OF " TAKING THEM ON ''?????? I have been going through their XXXX for almost 1-1/2 YEARS, AND I 'M TIRED OF IT!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Chase Banks after 3 years of stress and uncertainty, and after declining XXXX all cash offers finally Approve a short sale offer on my home. If selling a home that I have lived in for 21 years is not stressful enough. They gave the funding date a week before XXXX. Now because of that I only a one day to vacant the property. This caused me a considerable amount of Stress, I 'm a year old XXXX, and just about had a XXXX. So then the buyers agent comes to the door of my house to have the locks changed. I tried to find an apartment but it is very hard especially during the holiday season.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
A debit card transaction appeared on my checking account for the amount of {$190.00} charged by XXXX XXXX/XXXX/2016 at approximately XXXX MDT. 
XXXX XXXX MA XX/XX/XXXX {$190.00} I contacted the card issuer, Chase Bank, and reported the fraudulent transaction.

Company response to consumer: Closed with monetary relief