BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-11
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
*Existing Chase mortgage with spouse. Upon divorce I was awarded property and need to settle mortgage loan*Never 30 days past due on mortgage payments*Mortgage has been open since XXXX XXXXMortgage payments have been consistently paid from my income, never 30 days late*Court order requires me to relieve ex-spouse of the mortgage XXXX XXXX, XXXX provided Chase on my entire financial circumstance, showed them that there payments would still be consistently on time based on my income and expenses*Balance on my mortgage is {$86000.00}, Value of property in my community is {$81000.00} based on divorce appraisal*Must comply with court order to relieve ex-spouse by XXXX XXXX, XXXXAttempting to complete loan assumption to comply with court order*I advised Chase that I want to keep my house and not have had a foreclosure or filed bankruptcy*Chase advised me complete assumption application*Completed full application, authorized them to pull my credit*All credit XXXX days late, no derogatory credit, no public records, no prior bankruptcy or foreclosure history of any type*Chase processed application-denied due to debt to income ratio and advised me to try another bankI contacted Chase to find out the process to transfer the property into my name and out of my ex husbands name. I informed Chase from the very beginning that my intention was to continue to make my on time payments of my mortgage and to protect Chase and myself from any negative impact financially. My intention is to keep my credit in good standing and for Chase to avoid taking back a property worth less than the balance owed. It is my best interest to keep this home for me and my children and not cause disruption in our lives. I have demonstrated by my credit history and my income that I have the ability to make these payments and had little to no financial help from my ex-husband for the last year. If Chase is unwilling to grant me an assumption that may jeopardize my financial situation and that forces me into a bankruptcy and foreclosure because of my ex-husbands financial actions. Then Chase may have to take a home back in foreclosure that at this time is entirely avoidable. Chase did not offer any other solutions other than to find another bank. I have in fact talked to a mortgage broker and another bank. Given my credit history I can qualify for a loan but due to the loan to value and the current debt to income ratio, I will not qualify at this time with another bank.

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

Complaint:
I am currently late on a credit card due to an issue with changing checking accounts. Chase is calling my brother 's cell phone number regarding this and asking for me. My brother repeatedly asks them to stop calling and asks where they received the phone number, and they stated first, " it is the number on the account. '' ( It is not. ) Secondly, when my brother says that is not true, they finally said " We received it from a third party website to receive a relatives number. '' In addition, they are calling from an UNKNOWN phone number. This harassment needs to stop asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Statebridge Company
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was lost. When it was sold from XXXX institution to another. Trying for 3 years to get answers no one will talk to me. Now my house is going in foreclosure because of all the mix up from the past 2 years. They must have found my loan docs or maybe not. They have never reported me delinquent for missing any payments? It does n't make sense. Now I 'm to far behind to save my home? XXXX has Statebridge Mortgage servicing my loan currently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2009, I was forced to file Chapter XXXX bankruptcy. None of my payments were ever late. I spent my savings down making payments before I filed. I had a home equity line of credit with Chase Bank. This year as so many have done, I tired to settle with them. I know of successful settlements from XXXX-XXXX % and know of some mortgages being extinguished but they would not settle with me. The government sued them and then turned around and gave them the money and power to decide who to settle with. A fox in the hen house situation. In the meantime, my home is falling apart. My XXXX mortgage is current. Because I filed Chapter XXXX, JP Morgan Chase is not permitted to use collection activities on me. However they continue to call me and as soon as I answer, they hang up. I called the collections agent, XXXX XXXX ( XXXX ext. XXXX ) and he was very rude and snide and told me amongst other rude comments if I do n't like it to call ( hire ) a lawyer ( which I can not afford ) even when I told him that what they are doing is illegal according to the Fair Debt Collections Act. I was previously trying to settle with them in good faith because my house is falling apart and is worth nothing to them however they still illegally call and harass me about it. I am a XXXX person with stress and anxiety issues and lost a lot of income and if they wo n't settle with me, I sure do n't need them calling me all time reminding me I am imprisoned in this situation. 
When Chase approved my HELOC, they valued my house way over what the value would ever be leading me to believe if they worst did happen that I would be able to get out of it with some equity which was false. My home will never be worth what they appraised it at. They also cut off my ( and many others ) HELOC without notice with a settlement to consumers of {$35.00} which I refused. I report all of these things because Chase feels they are above the law and have been censured in courts for these types of actions yet they continue to practice them illegally. I take photos of the calls on my cell phone with their number as an incoming call and have quite of few of them to take to court if need be. They can be fined {$1000.00} for what they are doing but I wanted the government to also censure Chase for what they are doing illegally. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I reviewed my credit report and I saw XXXX credit cards in my report. I never opened these Credit Cards, XXXX with XXXX XXXX in XXXX XXXX, XXXX and the other XXXX with Chase Bank in XXXX XXXX, XXXX. I opened my first Credit card on XXXX XXXX. How XXXX can add This companies in my report when they can verify when I got my XXXX credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
i called JP morgan Chase to apply for the HARP program to reduce my home mortgage loan interest and to qualify and without going to details he said I did not qualify and I ashed why? he said you do n't qualify he said my loan was n't a fannie mae loan? I said yes it is a XXXX Loan he said no your loan is sold to another lender I said another lender and I was notify? I asked so who is my new lender now? he said I do n't know? I said well who will tell me then he transferred me back to customer service I gave them my loan number XXXX my name XXXX XXXX XXXX and this time a lady she said my loan is a XXXX Loan, so this man did not tell me the true why he did tell the time to ask me the questions he needed before saying if I qualify yes or no? I told him that I have being working on my credit score they- chase told me to work on my credit and call back in XXXX months and that is what I am doing, my interest are too high right now being a XXXX after a difficult XXXX, lost my job and had more medical bills, paying more medical bills and I need to apply for this HARP program

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: SUNTRUST BANKS, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our mortgage was sold to Suntrust Mortgage. WE have had nothing but trouble with this company since the sale of the mortgage. First the company did not pay our home owners insurance and we had to call to get that fixed, then they did not pay our property tax, that required another call and being transferred from department to department to get that problem fixed. These problems are not even what my complaint is about. When I called to see what was going on with the nonpayment of my home owners and taxes, I told the person I spoke to that I was on XXXX and would only be able to make my payments around the third week of the month when I get a check. I tried to get them to waive the late fees because of this situation but they could not accommodate me. Sorry for being so long but this is my real complaint, from the first of the month to the time I make my payment I get harassing phone calls, from early am XXXX or so to evening close to XXXX. I spoke to a person from the bank about this but nothing was done. This has been going on for months. Is there anything that can be done about these calls. 
Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Winklevoss Exchange LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Gemini is fraudulently denying they received my wire even though I have provided numerous evidence that the wire was successfully transferred including a federal wire reference number. The company has not credited my account even though I wired the funds on XX/XX/XXXX. I have provided a federal wire reference number and other documentation including a screenshot from XXXX of wire transfer confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Other

Complaint:
Chase is discontinuing my XXXX XXXX credit card because I did not use it for an extended period of time. I am not disputing that. My issue is they did not contact me earlier to tell me if I did not use it would not be renewed. I was never given a warning that I needed to use it or lose it. I called to state my case but was given no consideration for it to be renewed even though I used it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07
Company: Delray Capital, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a call from XXXX on XXXX XXXX claiming to be a process server that was going to serve me for a debt I owed and to provide XXXX forms of ID. If I had any questions to please call an XXXX phone number. When I called the number I was told that they were an arbitration group working with the state to work with me prior to going to court. If I could pay {$800.00} now ( over {$500.00} more than I had taken a loan for ) they would place a stop order on the summons and I would n't have to appear in court. I panicked and agreed to a payment arrangement under the assumption that this was actually a company working with the state dept. However, I did some research later in the day when I realized that the charge was coming from a Delray Capital and not the arbitration group they claimed to be. Also in the email they sent to me after the agreement was in place I saw at the bottom of the very official looking letter that it was actually a collection agency. I had been lied to multiple times in order to scare me into paying.

Company response to consumer: Closed
Consumer complaint received 2015-09-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I contacted Chase bank, my current mortgage loaner, to refinance my loan - about 2 months ago. I know I qualify for at least 1 % less than the rate i have now and also they wo n't quit taking escrow money from me on this loan even though i have paid off more than 20 % of value of the property - so i want to refinance ASAP. They gave me the rate and the terms I was asking for in conversation over the phone, but then sent me paperwork with a higher rate. It took them two weeks to correct this. The process is just dragging, they keep coming up with new papers that I 'm missing and that are delaying the refinance approval. I was told weeks ago that my application is with the underwriter and that 's the last i heard from them. Their lawyer and appraiser contacted me the XXXX week into the process but i had to stall everything due to the bank 's disinterest and unresponsiveness. My locked in rate is due to expire in two days and they have not responded to my last XXXX emails in the last 10 days. I want my lower rate now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I recently renewed a XXXX XXXX Credit Card. On the public website it explicitly states the payment terms are XXXX XXXX. This is not in compliance with the XXXX days which are required to let the consumer pay their bills. I believe a reasonable person would look at this and ascertain this is a continuing violation of the CARD Act of 2009.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase has been reporting past due payments to XXXX, XXXX, and XXXX. The reason is because Chase place a forced insurance on my note, when I already had homeowners insurance. I sent them proof of insurance and they corrected the problem in their system, but left me with past dues on all XXXX reporting agencies. I asked the mortgage department for help and they said it would be corrected in 60 days. This is totally unacceptable and needs to be fixed asap, because I am refinancing my home. They gave me a wrong fax number to send my complaint to and it was XXXX and I just found out today that it should have been sent to XXXX. This is totally unacceptable. My chase mortgage account number is XXXX. Please help with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Have made several attempts to get monthly payment lowered due to limited income and being widowed for 2 years with XXXX children and XXXX having XXXX whom I have been staying home with. American education services and XXXX XXXX XXXX have been notified that i am unable to make the minimum monthly payment of $ XXXX and have informed me that there is nothing they can do to lower my payment. I am willing to pay a minimum monthly payment that I can afford since I am aware that I am responsible for this loan but unfortunately the amount they want paid monthly is out of my means. There has to be something that can be done for them to help but they claim there is n't. I do n't want the loan to go into default because again I am willing to pay my payments if they are income based of course but their unwillingness to work with me is extremely frustrating. I am currently getting collection calls for late payments but I 've explained the situation to them as well and we 've also conference called American education services to see if they can work with me but with no success. I have tried to pay what I can afford but the balance is still accumulating and it does n't make any difference to them. I am unsure of what I should do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I received a solicitation from one of my old credit cards, Chase Slate 0 % promotional rate for a year. The usual pitch. Take advantage of low 0 % promotion, transfer balance or large purchases. 
So I bit and once again Chase has bitten me in the XXXX! My first payment is {$610.00} MINIMUM! I have purchased other cards with less balance that I had with this one and the most I have ever payed for a minimum was {$250.00}. Now this is n't the first time this has happened with Chase. They had a class action law suit against them a few years back for the same thing. Before the bottom fell out in 2008 I had a couple of balances with 2.99 % & 4.99 %. I never purchased anything just transferes were put on. well after a few years they upped my minimum from something like {$55.00} up to {$700.00}! I thought i would take a chance with them again because they had gotten sued for that behavior. Surely they would n't do it again. Boy was I wrong How can a credit card company with any conscience tell you to come to them and they will help you with that high balance oh but by the way we 're gon na XXXX on your minimum payment and make it so high you 're gon na find another card to go with and by the way thanks for that {$360.00} balance transfer fee. I 'm telling everyone that will listen NOT TO DO BUSINESS with Chase slate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Nelnet, Inc.
State: LA
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:
After receiving a copy of my credit report in XXXX of this year, I noticed my student loans were reflecting late payments for the months of XXXX 2015 and XXXX 2015. This did n't seem right so I logged into the national student loan database where all records are held for my federally backed student loans and printed out evidence that in fact my student loans were in forbearance during these months which began XXXX XXXX, 2015 and did n't go back into repayment status until XXXX XXXX, 2015 and where then put back into Forbearance in XXXX of 2015. With the evidence I found, I sent certified mail to all XXXX credit bureaus as well as the XXXX/Nelnet and specifically stated my reason for dispute along with all documentation I had gathered to support my claim. When I received their response, I was in total shock. They specifically stated that they were unable to update any information because I was not specific enough with my dispute and I needed to to provide the following information : -account being disputed -reason for dispute and -specific items I was disputing. I do n't understand how I did n't provide that because I specifically filled in -the account numbers I was disputing - my reason for dispute was that they were in forbearance during the time they were reporting my account late - and specifically gave them the dates my account was in forbearance and the dates they were reporting me as late. I ca n't get much more specific than that. I will include copies of all these items I sent to them as well with this claim so it is known exactly what was sent and I will also include my certified receitps etc. that my claim was received and not addressed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
someone opened up a fraudulent credit card using my information and documents this account needs to be removed asap i have contacted the company regarding this account and notified them that it is fraudulent even sent them a copy of the police report and the identity theft affidavit and it still has not been removed from my credit file or from them trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
IN THE LAST XXXX HOURS XX/XX/2020 A NEW COLLECTION HAS BEEN REPORTED ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF ACCOUNT AND IT SAYS ACCOUNT HAS ALREADY BEEN VERIFIED AND THAT IS FALSE IT HAS NEVER BEEN ON MY CREDIT REPORT. THIS IS HINDERING ME FROM HOME BUYING AND CAUSING EXTREME MENTAL DAMAGE TO ME. THE ACCOUNT IS XXXX XXXX XXXX XXXX XXXX {$3900.00}. THIS DEBT HAS NOT BEEN VALIDATED AND CAN NOT BE VALIDATED BECAUSE IT IS NOT MINES AND I NEED IT DELETED AS SOON AS POSSIBLE. IT IS VERY TIME CONSUMING DUE TO FUTURE OBLIGATIONS WITH HOME BUYING. I HAVE PROVIDED POLICE REPORTS STATING I WAS A VICTIM OF MY ID BEING STOLEN FOR PROOF. I WOULD LIKE DEBT TO BE REMOVED.

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

Complaint:
There was a charge on the credit card from our wedding. The company messed up on multiple issues and double charged for rooms and billed for services that were not delivered. We initiated a dispute and there was a credit and then chase asked us for supporting documentation which was presented. We did not hear from the rep and we do not know what specific information is needed to confirm a dispute. But after 3 months of waiting I was advised they are not ruling in favor because the company stands by their charges. I do not understand how there is not any transparency on what is required by the consumer to prove that a company lied and billed for services that were not provided.

Company response to consumer: Closed with explanation