BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
When I opened a credit card in 2012, I was told after-the-fact that I had been signed up for a checking account, as a condition of opening the credit card. I never asked to open the checking account, and was only told about the account after the branch representative finished opening my credit card. Now, 4 years later, I am being charged fees on the checking account. I was given no notice that I would be charged fees, and I never wanted this account in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-31
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Ordered a product from what I thought was a reputable business and have since found out that this business ( XXXX XXXX, XXXX located at : XXXX XXXX XXXX. XXXX . XXXX XXXX XXXX, CA ) is a scam. I 've called my credit card company and they have n't done anything about back charging this business for the product never have been shipped to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I applied Chase Sapphire Reserve credit card in XXXX 2016. As the benefit of this application, I should get XXXX credits for travel expense. So I used this credit card to book XXXX night stay in the vacation condo XXXX in XXXX XXXX, Texas in XXXX 2016. But I did n't receive the travel credit. So I called Chase twice and their representatives said this XXXX is classified as real estate agent in their system so my reservation is not qualified for the XXXX travel credit. 

But as a customer, how can I know which category this vacation rental belongs to in Chase 's system? I do n't think it is my responsibility to verify company property. I used this card to pay travel expense, and I think it is not acceptable that I can not get the benefit I should get. Does this mean in the future if I use this card to book any vacation rental house, I have to verify with Chase before I make the reservation to get the travel credit? Or each time they can use the same reason to refuse to give the travel credit to other customers? If vacation rentals have different categories in Chase 's system, should it be Chase 's responsibility to give each customer a list to let us know which vacation rentals are qualified for the travel credits? I felt I was cheated by Chase since the annual fee for this card is {$450.00}, but Chase did n't provide the corresponding service. 

So I fill this complain and wish CFPB can help me get an acceptable answer from Chase. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
I was scammed into signing up for XXXX, an online auction site and made a {$60.00} payment for 'bids '. Shortly thereafter, within an hour, I discovered the scam and called Amazon Rewards who issued the XXXX card through Chase Bank. I asked them to cancel the transaction. The story they gave me was that even though the charge had not gone through at that point they could not cancel it. I was told by some non-native english speaker whose name I could not understand that I had to wait a few days and then I could dispute the charge. No, they would not call me back when this dispute could take place. No, they would not reverse the charge. 

I contacted XXXX and tried to cancel there as well ( within an hour of the charge ) and have not heard anything from them nor am I expecting a company like that to respond. 

The point is that I have no control over the charge. The credit card company is apparently representing any merchant against me, the card holder whose money is on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have had a home mortgage with Chase for the past 4 years. They have never calculated the impound accounts correctly and cycle back and forth between shortage and over-payment. This in itself is simply a nuisance and probable means nothing, but this past year I got upset and called them in reference and a better explanation of what was going on, and I believe I was lied to. They not only charged us the annual calculation of taxes and insurance but they added a two month premium on and above the annual total based on the " SRTR '' ( sorry this acronym may not be correct as they would not repeat it because I insisted on knowing more about the regulation - and formally requested a written copy of it ) rules. For both - this equaled nearly {$750.00}. I asked for a copy of these rules and also requested a clarification of who the is regulating agency is, and at least a conversation with anyone who could tell me what the acronym stood for. After spending a lengthy time on hold ironically my customer service agent was not able to find anyone that knew anything about the regulation, or who is the regulating agency. 
In Summary, I believe Chase has instituted a policy to hold XXXX additional months of escrow on all their mortgages - my rough calculations based on internet information leads me to believe they are holding nearly XXXX XXXX dollars every month that belongs to their mortgage customers. FYI - I did not finance with Chase they purchased our mortgage from our original lender so I did not agree to this policy. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Dear CFPB : Chase responded to our claim of wrong IRS Form XXXX ( Copy B ) for XX/XX/XXXX & XX/XX/XXXX ( CFPB # XXXX ; # XXXX ). Their letter goes : Dear XXXX & XXXX XXXX : We received your request to update your loan. 
According to our records, the amounts reported on your Form XXXX ( Mortgage Interest Statement ) for tax years XXXX and XXXX are accurate. 
In XXXX, the amount of interest reported to the IRS was a total of 7 months of payments including your XXXX through XXXX for a total of {$5800.00} in interest paid. Your net interest payments reported to the Internal Revenue Service ( IRS ) are {$5800.00}. 
In XXXX, the amount of interest reported to the Internal Revenue Service ( IRS ) was a total of 12 months of payments including your XXXX through XXXX for a total of {$10000.00} in interest paid. Your net interest payments reported to the Internal Revenue Service ( IRS ) are {$10000.00}. 
Chase Here are problems : ( 1 ) Chase says that, in XXXX, they reported to IRS that our interest was {$10000.00} ; but Copy B we received says {$8800.00} XXXX see attachment ). 
If {$8800.00} was wrong, we must file an amendment to IRS. 
So, we want to receive a correct XXXX Form XXXX from Chase. 
Chase must be correct this time since we think that the figure should be ~ {$9900.00}. 
( 2 ) Chase says that, in XXXX, they reported to IRS that our interest was {$5800.00} : 7-month payments for the year. 
This must be wrong. 
Since we made 12-month principal payments ( which made the remaining mortgage balance {$350000.00} and current ) for the year, the interest payments must be for 12-months. 
We hope Chase could promptly straighten up their accounting mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: APR or interest rate

Complaint:
I called the Chase credit card company to check the payment allocation rules before taking a Cash Advance. I was informed that a repayment would be allocated first to the Minimum Payment Due and after that against the highest interest balance. I took the advance. A while later when I was able to repay the advance, I checked my account online. The Cash Advance balance was showing, as was the Minimum pPayment Due. I made a payment sufficient to cover both. None of the payment was allocated to the Cash Advance balance. When I phoned to enquire they said I repaid it too early. I had to hold the Cash Advance Balance until the next statement. I do not think that is fair and i was not informed of that when I enquired before taking the advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I signed up for a chase freedom credit card XX/XX/XXXX. With the impression that the card pays back XXXX % of what you spend in the year if you have a chase checking and a credit card at the same time. I have had a chase bank account since XX/XX/XXXX so adding the credit card seemed like a good idea. I called XXXX months before the end of the year to check and see how the XXXX % back of what I spent in the year will be distributed. The first rep told me points when I did t see the check come in the mail. I asked if they were on XX/XX/XXXX or XX/XX/XXXX points they would always say the following month. When XX/XX/XXXX and XX/XX/XXXX came different reps told me that the points I have are the XXXX % cash back. At the time XXXX % of XXXX is not = to XXXX $ $ in points. When I said that the line dropped. I called back months later XX/XX/XXXX and a rep XXXX hung up the line when I tried to ask what happened to my cash back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: JPMORGAN CHASE & CO.
State: NE
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 ca n't pay for my private student loans. They have ballooned to more than double what I borrowed. I feel like I have a " payday '' student loan. They want me to pay over {$220000.00}, who can afford to pay that? They were marketed to me as a way to pay for the things you want or need while in college. To buy books, a nice apartment or even a new car. I got emails frequently saying it 's time to sign up again for your Chase Education One loan. I thought the Chase loans were different than the XXXX XXXX loans because XXXX XXXX mentions additional fees in their advertisements were as Chase did not. 

Well to make a long story short, they were sold to a different bank while in forbearance. I received no notification that they were sold and no notification that the sale took them out of forbearance. I also received no notification they went into default, I only learned they were in default by a debt collector call months after they were sold and place into default. I thought I was being scammed because I had paperwork saying they were in forbearance. 

I 've have searched for advice the last 6 years on how to settle and handle the loans only to be misinformed, sold some unneeded service debt service and flat out told you have no hope to get the loans out of default. 

Now that information is becoming more available I have learned in order to get them out of default I have find find a competed private student loan attorney, pay $ 2-4000 in lawyer fees and another $ 4-8000 as a good faith deposit just to get them out of default. Likely many, I could n't come up with all those fees and now I am being summons to court. How can I while making $ XXXXk a year afford to get caught up on these loans, let alone pay off the loans. These loans have left me helpless and hopeless!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account with JP Morgan Chase ending in XXXX. 
I use this account for my Social Security XXXX direct deposit. 
Financially things are not good for me ; I just received a Chapter XXXX Discharge of debt and I live check to check. 
Every now and then I get hit with an overdraft because certain transactions charged to my account as charge not a debit are deducted from my account and then a few days later the charge completely disappears from online statement and is credited to my account as usable funds and then pops up in the ledger again for the final charge against my account. 
My branch tells me the problem is created on the merchant 's side The most recent occurrence I even called the bank to inquire if I had any outstanding charges against my account that were not itemized and any amounts that were not included in my balance. 
I was told by customer service that according to their ledger I had enough money in my account to cash the check to transfer my money to another account for my mortgage payment. 
Chase has always been good to me and reimburses the OD FEES, but they limit their customers to XXXX in a one year period, My complaint is not against the bank nor the merchant, it is the procedure that I feel needs a look at. 
My other bank, a credit union, does not alter the usable number, all transactions are withheld from my account and the ledger shows a greater total but a lesser usable amount especially if the merchant enters the transaction as charge and not a debit ; my total amount and usable amount even up when all transactions have actually been paid ; this is the fair/upfront way of managing the accounts of the customers. 
That is my complaint/inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: CT
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 submitted paperwork stating i needed a payment deferment. I received no paper work from navient. I called in and got " oh we got your paperwork everything is ok ''. Months later i check my credit score and my score dropped over XXXX points because i was late for months on my student loans. So i call back navient and they simply said oh fill out the paper work Again! Furious as i was, i did but it has been rough trying to improve my credit again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
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:
I combined all of my loans and had mistakenly thought my private was included. Well, I have been paying $ XXXX/month to " Navient '' ( or supposedly their collections department ) for my loans for 2 years but, on the Navient website when I log in it says that I I am 20 monthly payments past due. When I call to ask they are NO help and tell me I have to pay by loans in FULL to get it from negatively reporting on my credit report. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Navient Solutions, LLC.
State: MN
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:
I made my last payment to my loans on XX/XX/2017. My balance is now zero. On XX/XX/2017, Navient took out a payment of {$380.00}. I called them and they told me I have to upload a copy of my bank statement before they can issue me a refund. They said it could take up to 10 days for it to be refunded. I have submitted the paperwork and am waiting to see if it will be accepted. I do n't feel like I should have to show them my bank statement to get a refund for money they took out in their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My father passed away on XXXX XXXX, he did n't have much when he died but had a couple of small accounts, including an IRA with Bank of America - we have been trying to close out that account and collect the small amount of money for XXXX months. We 've supplied a copy of his Will, letters of testamentary, Small Estate Affidavit, and death certificates, still to no avail, I even sent a letter to their President/CEO. We have gotten the same standard reject letter XXXX times, saying they need legal documents, we call and they need XXXX item filled out on a form. Then the next reject letter comes, and repeat, XXXX times. My in-laws are worth a lot of money and have pulled their money from this bank, horrible customer service, horrible procedures, just a horrible bank!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-26
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX is reporting my Date Of First Delinquency inaccurate according to XXXX XXXX my Date of First Delinquency is XX/XX/XXXX and stated that last payment was XX/XX/XXXX before the account went to charge off. I agree that was the last payment I did was XX/XX/XXXX but the payment was returned by the bank and should have not credited to my payment history as payment last payment was XX/XX/XXXX. I am requesting Honda to delete this seven year account that they are still reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Navient has only offered me forbearance and never a repayment plan, deferment or loan forgiveness. After logging onto their site Navient does n't list the break down of my loans, which college it is, location, amount of the original loan prior to accrued interest and the amount of interest listed of 2.5 percent is n't accurate either. I would have never agreed to forbearance if all of the risks and high interest were explained to me. Also, Navient continuously stated to me that my income was to high to qualify for anything else other than forbearance before taxes I make XXXX and after tax XXXX. In addition, I have serious health condition that I disclosed to Navient due to my high medical debt from being hospitalized several times, this was to no concern to them they simply ignored it and kept pressing forbearance. In addition, Navient sent me a paper statement just recently when I originally asked for electronic. Lastly, I work for the XXXX and was n't informed I may qualify for loan forgiveness either partially or full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: RESMAC, INC.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX I sent in a loan application to Resmac Mortgage for a reverse mortgage. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Fl branch was the contact. i provided everything electronically. and called for updates several times. I never heard back and never got a Good Faith or any disclosure of any kind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: New Era Asset Management, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX ( XXXX ) from New Era Asset Management has called my workplace on the unsecured line, called other phone lines in my name, very aggressive nature and states he was told to contact me for a complaint filed in XXXX County for a debt that I owe. I have not received any written documentation from his company regarding the debt or a chance to call them with a resolution. I am recently employed after being laid off 2 years ago and along with caring for my XXXX sick mother and also dealing with my own health issues, I have fallen behind with a lot of debt and will need 3-6 months to get caught up. XXXX states that the " smart '' thing to do would be to call him back. He also states that he knows where I work- this statement implying a threat to interfere.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Netspend Corporation
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
my name XXXX XXXX XXXX i get supplment secuity payment XXXX to account XXXX XXXX rounting num, ber XXXX on XXXX/XXXX/2016 loacl office XXXX XXXX XXXX XXXX XXXX ny XXXX. input direct deposit netspend ace elite card XXXX my socail secuity XXXX account XXXX. on XXXX/XXXX/2016 unipt XXXX XXXX XXXX XXXX account for paayment XXXX/XXXX/2016 ssi/ socail secuity XXXX account XXXX frame transaction account bank cards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have complained before about our family home of 23 years being stole from under us by Huntington Bank Mortage. We paid everything they asked and they still foreclosed on our house. My grandson who is XXXX XXXX XXXX now is now in counseling because of the XXXX this bank has put us threw. It took " 5 years '' to foreclose on the house according to Huntington Bank. The XXXX XXXX sheriffs office harassed us for months and we finally packed everything into a storage unit and had to leave a lot behind and left. Then on XXXX XXXX XXXX ( my daughters birthday ) they sold the house as a sheriff sale to Huntington Bank for {$48000.00} ( who " owed '' the house in the first place ). Then XXXX5 months later Huntington Bank sent me papers stating I needed to insure the house which we do not own. I called the higher up at Huntington Bank and they stated there is no record of the house being sold and/or foreclosed on. We then received another notice a month or so later stating we still needed to insure the house. Then on XXXX XXXX XXXX at XXXX we found out that the house was going up for a public auction online where the auctioneer stated the house was sold but XXXX XXXX still has the house in Huntington Bank as the owner. We have been threw XXXX with this bank and I am very disappointed in this Bank as well as XXXX XXXX. There was no professionalism at all dealing with this house and will NEVER have another bank loan again! We are currently living with family members and my daughter and grandson are now in government housing.

Company response to consumer: Closed with explanation