BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
There were checks deposited into my account through an ATM. Each check was worth between $ XXXX- {$650.00}. XXXX checks were deposited. As soon as they were deposited, they were immediately withdrawn from my account through an ATM. The checks were then returned, and then my account was overdraft and charged {$12.00} for each returned check. I filed a claim with the bank, but they denied my claim because they said that I did not file a claim soon enough. The activity started on Tuesday XXXX XXXX, 2015 and I filed the claim on Thursday XXXX XXXX, 2015. My account is now at - {$7000.00}. I live in XXXX, XXXX. the checks were deposited and withdrawn at an ATM in XXXX. I have never been to XXXX. I can provide evidence to show where I was during the time of these deposits and withdraws. If they looked through my banking history, since I have been with them for 5 years, they would have realized that this was not normal activity on my account. The fact that they let some withdraw {$3000.00} from the ATM in one transaction is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: CONTRACT CALLERS INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This information was already removed from my report and has since been added back on. The company was not willing to let me pay it with them even though it was an account someone else put in my name. They said there was nothing they could do because it was sold to a collections agency. The agency harasses and calls non stop and refuses to state who they are. This blemish was removed and should return that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
hello, XXXX 2016 Chase bank colluded with the State of LA to put a levy on my checking account, comprised entirely of social security. i 'm senior, retired, indigent, homeless. ca n't find legal assistance. both parties are now heaping on XXXX dollars of penalties and fees. i am judgement proof on many levels yet there 's no denying the predation. how can it be stopped?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
CFPB Consumer Financial Protection Bureau Dear Officer : Good evening. 
My BoA account XXXX had wire form XXXX into my account on XX/XX/2015 XXXX, but BoA just noticed me XXXX kept into my account, they ate XXXX dollars. 
XX/XX/2015 charged me wire transfer fee XXXX, and due to I am an investing account so refund me XXXX transfer fee.XXXX. so still ate me my wire in capital XXXX. 
I had several time asked the branch officer XXXX XXXX : he said : ususally like that.??? 
I do n't agreed and online message to ask return my wire capital XXXX, they always no return to me. 
see my copy and attached below : XXXX, on XXXX statment XX/XX/2015 XXXX XXXX, and transfer fee:XXXX XXXX. 
B.BoA.statment just book me XXXX only. 
Please help me get back my missing capital XXXX.and correct their bad behavior. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
XXXXXXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
Chase Bank agreed in XXXX, 2016 to a closing date of XXXX/XXXX/16 for a house we bought. They were unprepared on XX/XX/XXXX, but said ( daily ) they only needed another day or so. The seller let us move in anyway, as they had moved out and were enroute to Colorado to close on their new home. I called and emailed XXXX or XXXX different people at Chase daily, and almost never got a return call or email in reply. Chase delayed day by day, not closing until XXXX/XXXX/16. We had to pay our sellers ' out-of-pocket expenses of {$4600.00} to get them to extend our purchase contract past XX/XX/XXXX. We have asked Chase repeatedly to refund the {$4600.00}, and they have hinted that they will, but they are ignoring my calls and emails. We would like Chase to pay the {$4600.00} cost we incurred because of their delay. In addition, Chase 's rep, XXXX XXXX, promised to get our loan origination fee of .XXXX % waived at closing, but it was not. We would like that amount refunded, too, because of the promise they made AND the ordeal they put us through. Our sellers called us " squatters '' and even told some neighbors of our problems getting financing. It has made moving into the neighborhood uncomfortable, all because of Chase 's incompetence. Our credit, income and assets are very good - Chase is the entire problem here. I have dozens of emails and recordings that document their failures to perform, respond and make repeated requests for documents already supplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: AMERISAVE MORTGAGE CORPORATION
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
We have spent 5 months trying to close a 3 % refi with XXXX XXXX and his team at Amerisave Mortgage Corp. We paid for an appraisal, and have provided all the necessary documents on time ... some several times. The team was unable to deliver the mortgage after several promised dates. Our lock on the rate ran out and had to be extended 3 times. After much frustration and consideration we walked away. We have since begun working with XXXX, and after 4 days they are nearly ready to close. We feel we were dragged thru a lot of repeated questioning and harassment. Amerisave continually called our insurance agent and harrassed them. They actually asked the agent to violate her license and change numbers on a document by cutting and taping new numbers over the actual ones on the document. This is totally unacceptable and was very embarrassing to us. This was a complete failure to deliver.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I 'm currently on XXXX somy funds are limited. The last month alone, Citizens has taken over {$300.00} for overdraft fees. Even though the same day they showed, I transfered money from another account to cover. After complaining to the hilt, they gave back {$110.00}. Now they are doing it again. {$7.00} was posted by an agency causing a neg Bal. I quickly transfered funds to rectify. 3 days later they wacked me for XXXX/ {$39.00} fees. I 'm done ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Payoff process

Complaint:
Received a Balance Transfer offer from Chase Bank which explained the terms of 0 % interest for several months and a XXXX % transaction fee. See uploaded documents. I used the on-line transfer mechanism to complete the transfer of an account balance from a XXXX 's credit card of {$15000.00}. The Offer documents contained no reference to any special repayment terms ( method of calculating ) that would be implemented if I took advantage of the offer. I have been a long term customer of Chase with an 18 year experience base with payments regarding my credit card account. At no time during those 18 years did I ever encounter any minimum repayment terms that were more than XXXX % to XXXX % of the account balance. When I checked my account several days after completing the transfer I saw that a payment was due of some amount ( was not in excess of {$150.00} ) which I promptly made a payment of {$150.00}. several days or maybe 10 days later I looked at the account on-line to make sure that my payment had been recorded wherein I discovered that the upcoming minimum payment due was {$750.00} ( by memory ). I was shocked but thought that since I had just recently completed the transfer and had made a payment that maybe there was some type of glitch that caused the unheard of minimum payment. I thought that I just needed to give it a few more days to sort out the obvious error. But the Minimum Payment has not changed. The situation prompted 2 or three phone inquiries to Chase where in I was first told that the minimum payment calculations had recently been changed to be XXXX % of the unpaid balance. I asked that to please tell me when and how such notification occurred. To which I was told that a letter would be mailed to my home address. I was not told that these new terms were made known to me or that they were included as part of my account or that these re-payment terms were a part of the Balance Transfer offer. On my last call ( today XX/XX/2016 ) the man who looked at my account began by telling me that minimum payments are calculated at 1 % of the unpaid balance plus interest and any late fees or penalties. He then stopped after looking at my minimum payment and said that the rate was XXXX %. This is a clear case of unfair and deceptive consumer practices. An offer was made, of which I accepted and then new terms are applied to the transaction which will put my account in default and result in additional fees, penalties and charges. 
I want the repayment terms to be established at no more than XXXX % of the unpaid balance and any extra fees, penalties or interest charges to be refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXXXXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24
Company: U.S. BANCORP
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I have a car lease loan with US Bank and I was told by the XXXX dealer that I got the car from that I would get a " pull-ahead '' discount on my vehicle and also up to {$2000.00} in credits towards a new vehicle, which my current vehicle is due to be handed in in XXXX. I have not gotten a " pull-ahead '' or any discounts or credits from US Bank. Normally, these " pull-aheads '' and discounts take place 3-4 months prior to the expiration date of lease loan. Apparently, the " pull-aheads '' are NOT from XXXX but rather from the loan company. Some people get it and some do not. Since this is a federally regulated bank, this would be considered discrimination. Please investigate. Thank you.

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 2015-04-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
I went to use my Chase Mastercard for an online purchase. I 've had the card account for over a decade, I 've been on time with my payments, as of late, and I had more than enough available credit to make this purchase. But the card could not be processed at the time of purchase for reasons unknown. I logged into my account and there was no abnormal activity. I called customer service and they informed me that they were issuing a new line of cards and that I should receive my new card with new card number wishing the next XXXX weeks. But in the meantime, my old card number would be inactive. I asked if they could issue me the new number over the phone so I could make the purchase, but the customer service rep said she was n't allowed, leaving me unable to make this timely purchase. 
I understand their reasons for upgrading their cards, but why cancel my old card before the new one arrives? Now I am in a great deal of dismay, because of JP Morgab Chase 's incompetency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: JPMORGAN CHASE & CO.
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
My deceased husband 's son and now even a grandson gets calls at my home number for non-payment of loan. I am in no way connected to their loans. How on earth do these agencies get my number at home? I tell them I am not involved and my husband died in 2008. But several keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Home Loan Center, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XXXX XXXX, I went on the website LendingTree.com to search for a refinance of our current mortgage. In the questions I was asked if we had filed a bankruptcy in the previous 7 years. I answered yes, and that it was more than 6 years prior. 

Within a few moments, I received a call from a XXXX XXXX of XXXX. Initially the conversation was quite productive. I disclosed that in the XXXX bankruptcy, we surrendered a property which had a mortgage through XXXX XXXX XXXX. I explained that XXXX XXXX XXXX has refused to take title back despite our efforts. 

In a subsequent email, XXXX . XXXX quoted an unnamed manager who said that there was " zero chance '' we still had title to the property, and insinuated we were lying. XXXX XXXX then refused to proceed with the application process. 

This scenario is a common XXXX, and well known to bankruptcy lawyers. There is no legal way to compel a lender to take back title and/or force them to release the lien. Properties become like zombies- not really alive, but not dead either. Debtors ca n't get them out of their names. I provided evidence of this by pointing to a memorandum issued by a bankruptcy judge. I also provided a copy of XXXX guidelines showing that lenders are supposed to verify the information and, once verified, go by the bankruptcy date. 

XXXX XXXX XXXX, XXXX, and Lending Tree Inc simply do not have the right to be arbitrary and capricious in pre-judging loan applications. They have a duty to their investors and XXXX to investigate applications, but they also have a moral and legal duty to make sure applicants such as us are treated fairly and ethically. A government insured mortgage was an option that XXXX . XXXX could have pursued. By failing to do so, he effectively denied us a right to due process. 

We did not want to file for bankruptcy in XXXX. However it was necessitated by my total XXXX. We have managed our financial affairs quite well, and now have credit scores above XXXX. There is no reason for XXXX and Lending Tree to refuse to take our application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27
Company: USCB Corporation
State: AL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I got a call from USCB CORPORATION and they said they have legal documents for me if I did n't pay on a debt that I owe. They claim that I owe XXXX and the original creditor is XXXX XXXX. I do n't recall a such thing as I attended a accredited college at this time. The person was rude and demanding that I pay up to stop legal actions against me.

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 2022-10-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit act XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Dear XXXX On the morning of XXXX XXXX, 2015 I got in my e-mail box an alert from my bank JP Morgan Chase that my account was overdrawn by {$41.00}. I was waiting for a transfer from a retirement account to my other bank account at XXXX XXXX XXXX. This transfer was available to me only at about XXXX or XXXX in the afternoon as on my XXXX minutes break from work, I rushed to check again. I had gone during lunchtime to a XXXX XXXX XXXX branch to check if that transfer was available. It was not. Therefore, I was unable to rush, at about XXXX or XXXX on a short break to go make a deposit to JP Morgan Chase. It against work policies to leave the immediate locations of work place. Off of that first job, I went to my newly found second job and did not get off until XXXX. On my way bank, I stopped at the branch of JP Morgan where I bank to make a deposit of {$260.00}. But before doing this, I asked the ATM machine for a statement which read : " Available balance - {$41.00} ''. I then made the deposit and mentioned above and got also a receipt for it. To my biggest surprise, I received, yesterday, on XXXX XXXX, an alert from Chase which was confusing to me, stating that " There was insufficient funds to complete the deposit ''. Alarmed by this message, I went online to check the status of my account and was dumbfounded to XXXX that Chase charged me a {$34.00} fees for those {$41.00}. I found this abusive and this is not the first time I had this sentiment about the fees Chase charged me for overdraft. I readily accept some of the fees, some I contest but this latest is XXXX of the most unfair, outrageous that Chase charged me and that I would like to review and ask Chase for its reason for doing so as it also charged me fees, still, whereas, I transferred money from a saving account fees that I have with the same bank to a checking account. 
I would like a review of all the fees Chase has been charging me since I bank with it and a refund for those fees that have been charged abusively and any other action your agency deems appropriate. 
I thank you for your time and attention. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Around the end of XXXX, 2016, I received a Chase ( Amazon Rewards ) credit card with a {$9000.00} limit. I did not order nor apply for this credit card. I contacted Chase to find out what was going on. They told me they knew about it and had received other cards. The woman at Chase gave me XXXX credit alert line. She said she would cancel the card. I was not told who applied for the card. I was given NO information at all. She also mentioned that they may have applied for more than one card in my name. To date, I have not heard from Chase except to receive in the mail a notice of their privacy practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-19
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been representing a homeowner trying to do a short sale with CHASE bank and has an FHA loan associated with the short sale. Chase has this short sale set up to work out through a website called XXXX. I have been messaging the negotiator, the account manager, thier supervisors and everyone else that is associated with the file. After several weeks of being ignored, I have made several attempts to call into the Short Sale dept and ask for someone to respond to my requests as far as if our short sale package was sent to the investor for approval. Not XXXX person will or has responded to my requests. They are actually XXXX my file and not speaking to me or trying to help our seller in making sure that they are being represented properly in this short sale. I have tried just about everything to get them to respond to us in writing on what the status is on our file and can not get anyone to do that. This is ridiculous! Our file has been there since XXXX!

Company response to consumer: Closed with explanation