BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-16
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2008 XXXX XXXX XXXX paid {$350000.00} on my account, XXXX. All that was remaining due on the account was some accrued interest in the sum of {$1700.00}, but it was enough to bring the account current, reinstate the mortgage, and the balance should have been adjusted. Instead, JPMC filed a foreclosure action, case number XXXX. It was dismissed for want of prosecution. See attached. Then, ignoring payment was made AGAIN, JPMC filed suit XXXX. Again, they filed suit. After we filed our answer and affirmative defenses, showing it was paid as stated above, they dismissed the case voluntarily. See the attached. If that were not bad enough, then they sued AGAIN, claiming the amount that was paid as shown above, was STILL DUE, violating the federal and state fair debt collection practices act, malicious prosecution, abuse of process, and fraud, mail fraud, wire fraud, and civil conspiracy. This time, the bank got a foreclosure judgment BECAUSE I COULD NOT AFFORD AN ATTORNEY AND HAD TO REPRESENT MYSELF. I did not know what I was doing. Chase lied about getting the money and did not tell the court they got paid. Chase lied about having received the money and filed an affidavit claiming it was still due. The Court believed Chase and granted a judgment. See attached. I requested an affidavit from customer service showing the payment was received, but Chase is now claiming they do not have any information. They are concealing the receipt of the money. See the attached affidavit from the Chase employees. I want the bank investigated, and either require them to return the money I paid, or vacate the foreclosure judgment, and give me a release of the mortgage, AS THEY HAVE BEEN PAID AS YOU CAN SEE FROM THE ATTACHED. If I had stolen money from a bank, I would be in JAIL. They stole {$350000.00} AND they are STEALING MY HOME. I was just served with eviction notice after the fraudulent foreclosure judgment. I NEED URGENT HELP. PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Hello. I have XXXX accounts with Nelnet, each reporting XXXX lates to the credit bureaus. I also have several accounts with XXXX. XXXX is reporting my past deferments correctly, with no lates. I have spoken to Nelnet, but they will not not remove the lates, though I thought my loans had been in deferment, and XXXX is again, reporting the past years correctly. Additionally, my father served 4 years in the XXXX, but I have been charged interest on my Nelnet loans. I would like the interest accrued adjusted and the lates removed. I am not happy with the service I have received with Nelnet, but have had no problems with XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I have a XXXX Rewards credit card with Chase. I use it for all my purchases and have always paid it off 100 percent every month. A typical month is about {$2500.00}. Two months ago, my bill was higher because of a XXXX. I paid about {$3600.00} of a {$3900.00} bill. The next month I was billed {$20.00} in interest for the {$340.00} I did n't pay. I was expecting an interest bill of {$3.00} or {$4.00}. ( Interest is 15 percent. ) They told me I was billed interest on my average daily balance, which they said was about {$1600.00}. I did n't like it and thought it was unfair, but I paid it. I paid the next month 's bill in full, including the {$340.00}. When I received my bill for this month, I was charged {$31.00} in interest even though I had paid the entire bill in full! I was furious for an entire Saturday afternoon and honestly felt like I had been the victim of fraud. I still feel that way. I called Chase and the woman agreed to take off the {$31.00} in interest after a prolonged conversation because she said I had been a good customer. She said the {$31.00} in interest carried over from the {$340.00} balance that I had already paid. So basically, I was charged {$52.00} of interest for {$340.00} I did not pay for one month. This is just usury and unfair credit card practices. I hope you will look into it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I received a copy of my credit report and discovered a tax lien. I disputed the tax lien and asked Equifax to verify the lien. Equifax updated the status of the lien as released. I called Equifax and spoke to a representative who stated they verified the information that I was disputing. XXXX XXXX of XXXX says it was obtained through a third party vendor, XXXX XXXX. I called XXXX XXXX and they reported because I have a security freeze they could not release any information on my credit report. Equifax LIED and said they verified information when they have not which is a straight violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Equifax have now updated my report since XXXX of 2016 i purchased XXXX different reports with the same information with no updates on it and old score they claimed i have a large file and it been split into XXXX the items that have been deleted came back on there due to identity theft they have police report on file copy of my social and a utility bill my whole complete credit file is incorrect every time i call they delete something and they lady asking me what 's my accounts my whole file is a mess i want to file a law suit on this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX    XXXX ,2017    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Oh  XXXX   XXXX  Had an inquiry on my credit report that I did not authorize or approve of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
The Credit Card Company did not do a investigation but only did a rubber stamp of questionable statements. FCRA says 7 years from the " first default '' which means when I could not use the account. Which for many of these accounts was a lot earlier than there so called write offs. If you ca n't use the company 's services, like cashing a check, using the lobby, for all intents and purposes you account is closed and in collection. These organizations tend to add a 5 to 7 year extra space of deliquency saying its open but you owe and are deliquent aka default. I have ask for them to look at the additional evidence of account activity to show whether the account was active. that was ignored. This is not an investigation especially since its not an impartial agency or has investigators with adequate training.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Minto Financial dba Minto Money
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Applied for the loan and received the payment information. The amount was fine but was unaware it would be deducted so many times during a 30 day period. Upon further investigation the interest rate is well into the 300 %. When given the initial terms it was not clearly disclosed that the interest was that high and the payments would be several times a month! This is unreasonable and is affecting my bank account. My account is in the negative every week because of this ridiculous loan. I need it to be canceled and offer a cheaper payment or a cheaper settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: WESTERN UNION COMPANY, THE
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
Sir, This complaint is not about Western Union 's refusal to make restitution, but their unwillingness to communicate at all. 
On XXXX XXXX a mistake was made concerning the destination of {$60.00} which was to be sent to XXXX, but in the confirmation it showed that it was sent to the United States. I immediately contacted them on their chat line and had that Money transfer cancelled. They sent me a cancellation acknowledgment stating that, " If your card account has been debited, the money transfer amount will be refunded. '' As of today it has been 15 days ( 10 business days ) and no restitution has been made. My bank is XXXX Bank, XXXX, TX branch. The transaction number is XXXX, and the total amount charged was {$71.00} which includes their transfer fee ; the Western Union XXXX number for this transaction is XXXX. 
I have attempted to contact them four times, and have failed to make contact with them by chat, email, or phone. I finally mailed them a letter yesterday, a copy of which is included as an attachment to this email with evidence of this transaction and their failure in its resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt Validation letter on XX/XX/2021 which I have attached, asking for the provided information requested in the letter. Cavalry has not sent Validation of the debt they only sent a letter with " NO '' information on where this debt came from and amounts owed.I am requesting that you remove this erroneous information from my credit report. This has caused a great deal of stress and they are reporting someone with the last name XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I filed a dispute about some charges on my debit card with chase bank XX/XX/2016. the unauthorized transactions were XX/XX/2016 through XX/XX/2016. I had contacted the merchant in XXXX 2016 regarding the first transactions and told me they were going to do an investgation. Some more transactions were charged in XX/XX/XXXX to which i followed up with the merchant about the XX/XX/XXXX transactions and about the XX/XX/XXXX transactions, to which they said the had 60 days to resolve the issue and give a refund. At that point I called CHASE BANK ( the issuer ) to get help on this matter, to which they told me to call the claim with the merchant, and if that did not work to call them again to initiate the investigation with the merchant. Again in XX/XX/XXXX other transactions were charged to the card, and followed up again with the merchant as per CHASE had instructed me. The charges stopped at that point, but my money was never refunded as the had promised. Therefore, I called Case in may to file the disputes, allowing me to do it and had told me that they were to refund the money while the conducted the investigation. The send me a form to fill out electronically, and I filled out completelly and returned to them within 2 days. CHASE never credited any money back to my account and said the would not give me my money back period. This happened in less than 3 days of filling the dispute. An investigation with the merchant never happened. I had done more than they did. At least I did a 3 month investigation, making me think that Chase would not conduct the investigations on fraud cases for their customers. I called the merchant again in XXXX 2016, and they deny any disputes. I went to my chase branch in person to ask to reopen the case on XXXX XXXX, 2016 and as of this moment nothing has been credited back to my account. Here is a summary of the unauthorized transactions : {$98.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$58.00} on XXXX/XXXX/2016, {$70.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, {$100.00} on XXXX/XXXX/2016, for a total of {$1000.00}, merchant name : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I reserved a car on my daughter and so n't behalf through XXXX for pick up at XXXX for XXXX XXXX. My reservation was for an economy XXXX or XXXX door XXXX XXXX or similar. Total cost was {$140.00} plus taxes and fees of {$79.00} ( all inclusive ) for a total cost of {$220.00}. 

My daughter arrived at XXXX on XXXX XXXX around XXXX and was told there was no economy car available but she could be upgraded to the next level auto at NO charge. She asked THREE times for the agent to confirm that she would not be charged any additional fees for the upgrade, extra insurance, etc. She assured her there would be no additional charges of that kind. She reviewed the screen she was presented, which showed the charge of {$220.00}, and signed a signature pad. 

The next day, she stopped at a XXXX in XXXX, IL to exchange the car. There was a problem with the fuel system/engine. It had taken half a tank of gas to drive from XXXX to XXXX, IL ... a distance of about XXXX miles. The car also had the distinct odor of XXXX. She signed an agreement for the exchanged car. 

She arrived promptly on XXXX XXXX to return the car to XXXX at XXXX. It was on time, there was no damage, and the gas tank was full. At drop off, the agent swiped my son 's Citibank MC on a mobile device. ( He is an authorized user on my account ) When they got to the terminal, they reviewed the paperwork and noticed the price difference between the original reservation and what they were charged. They were charged {$230.00} for the rental and {$110.00} in taxes and fees for a total of {$340.00}. 

I called XXXX but was told the upgrade was authorized. IT WAS NOT. It is clear that the screen my daughter was shown did NOT include the upgrade charges -- which again, she was told would be FREE. Either the screen had not been updated prior to her signing or the agent changed the contract after she signed. 

I contacted Citibank to dispute the price difference of {$120.00}. Citibank received a copy of the contract from that rental. The contract was unsigned. I asked for a copy of the charge slip my son signed, authorizing the charge, but Citibank refuses to produce it. 

Citibank states that the unsigned contract sent to them by XXXX is proof enough of authorization. I maintain it is not and want my account credited the overcharged amount of {$120.00}.

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 2016-09-08
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Fraud or scam

Complaint:
I had been a customer of XXXX for about 20 years. I cancelled my service in XXXX 2016. At that time XXXX notified me that I had a remaining credit of {$26.00}, saying they would refund me that amount of money that I had overpaid for my service. 

Instead, XXXX mailed me a Citi Prepaid Services VISA prepaid debit card that they say has a balance of {$26.00} on it. Citi Prepaid Services then puts limitations on my use of that card, saying that it could not be used for a charge more than {$26.00}, it could not be used in an ATM machine, that I must go online or phone to " register '' my debit card, etc. They did however say that I could go on-line with Citi Prepaid Services to arrange to have the amount transferred to my bank account. 

While clearly an imposition on my time to return my money to me, I tried to comply. I tried to use Citi Prepaid Services web-based function to transfer the money into my account 3 times, but it would fail each time at the end of the transaction and tell me that " you have been logged out ''. 

I then phoned Citi Prepaid Services and told them their website did not work. They " walked me through it '' on their website ; it again did not work. They then refused to help me further, saying I could only get the money transferred to my bank account using the website. They hung up on me. 

My suspicion is that XXXX and Citi Prepaid Services are using this dodge of ( NOT! ) disbursing funds that they owe -- knowing that many consumers will not go through the arduous process they dictate in order to retrieve their funds. I consider this theft, criminal behavior. 

( I then went back to XXXX, escalated my call to a " manager of the manager of the agent '' in their Billing Department, and explained that I wanted my money from them ; I did not want to deal with the obstacles that Citi Prepaid Services put in my way. He refused to help, telling me that " XXXX no longer has your money, we transferred it to Citi Prepaid Services ''.

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 2016-09-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I bank with Chase Bank. I have used a service called Chase Quickpay.I have used this service successfully on many occasions to send money to my daughter. I used it for the first time in an attempt to send money to my son. The transaction was approved on XXXX XXXX in the amount of {$950.00} and the money was withdrawn from my checking account. The money never arrived to my son 's account. He has an account with XXXX XXXX XXXX. I asked Chase bank on XXXX separate occasions to trace where the money went and they continually state that the issue is with XXXX XXXX XXXX. XXXX XXXX XXXX then states to my son that this is an issue with Chase Bank. I have gotten no where as a result and I have lost {$950.00} using this service. My claim was rejected by Chase Bank with no explanation. I would like to see my funds returned to my account and I would like to seek damages additionally. I have spent several hours trying to recoup my funds and have been treated quite poorly by Chase Bank assistants.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Safety and Security Alert! Is your bank or business telecom safe, secure, and socially responsible? Many banks and businesses have outdated, insecure, and unsafe telecom identifications systems that require remedial change, or innovative improvement. Please watch the following urgent video : XXXX and read the Safe Call report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Other

Complaint:
Account is not past due. Payment due on XXXX/XXXX/16 was made and was in excess of the Minimum Payment Due. An additional payment of {$10000.00}. was made on XXXX/XXXX/16. Of this amount less than 70 % was applied to the balance with the highest APR. The interest bearing balance of this segment was {$8100.00}, per the statement. 
Per Citi 's own card agreement, and the law, the excess payment should have been applied to the highest APR balance first, then to the next highest APR balance, and so on. 
Citi has danced around and now state that 100 % of the excess payment is not applied to any one segment. 100 % of the excess payment would have paid off the balance with the highest APR and left over {$2000.00} to be applied to the next highest APR balance, which was only {$2300.00}. The total balance on the account prior to any XXXX payment was {$12000.00}. 

These people refuse to honor their own card agreement and need to be forced to do so. Not an honest company!!!

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 monetary relief
Consumer complaint received 2016-03-15
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have never been late on either of my other XXXX credit cards. In XX/XX/XXXX I had made a purchase using instant approval at Macy 's in order to benefit from the advertised extra savings. I never received a credit card or a statement from them until today, XXXX XXXX. In XXXX, I spoke with someone who said she would be re-sending both the statement and card to me. On XXXX XXXX and XXXX XXXX, I received eight phone calls ; thinking the calls were telemarketers, I did n't answer at first. When I did answer, I was rudely threatened that I had to give the routing number to my checking account in order to stop being harassed. Still suspecting fraud, I told the man that I felt uncomfortable with the arrangement, but that I would go into the store to pay the balance in full, which he said he would put in his notes. I asked the man to add the comment that I am happy to pay what I owe as long as I know what the balance is. Two hours later at the store 's customer service, I did pay the balance verbally told me although I still had never received a statement. Today in the mail, I received the statement. To my horror, it showed a late fee. One, I would like to be reimbursed the late fee. XXXX, I would like a letter sent to the credit bureau explaining that the error falls on Macy 's for not promptly sending its statements to its customers. An impersonal organization is wrong to blame and penalize an overly conscientious individual for its poor bookkeeping.

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 monetary relief
Consumer complaint received 2021-04-20
Company: Upstart Holdings, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan for {$3500.00} to consolidate credit card debt. I just received an email stating that I was approved and to go in and sign the loan and then the declined me and I had multiple hits to my credit from them. How can I be approved and have an email saying that and then they change and decline it?

Company response to consumer: Closed with explanation