BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-12
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I notified Wilshire Consumer Credit that in XX/XX/XXXX that I was experiencing a hardship. Account number is XXXX. Instead of the normal monthly payment, I would be able to pay $ XXXX for XXXX to XXXX months and that I could resume full payments of {$750.00} in XX/XX/XXXX. This is fully documented. XXXX even executed a skip-a-payment in XX/XX/XXXX to assist. During a phone call today during which I notified I would be making payment earlier than normal ( this Friday the XXXX ), and for {$600.00}, the rep indicated the car has been sent for reposition. This is completely in unacceptable considering what is documented and offered. I pay this bill every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I have outstanding debt to AARP Chase Visa Credit Card in the amount of {$14000.00}. I am an XXXX XXXX who I recently lost my life partner of XXXX years and XXXX adult daughters. XXXX of my daughters left me to care for my XXXX granddaughter ; and the other daughter had serious health issues which resulted in financial debt, which all ultimately became my sole responsibility. Rather than allow my recently deceased daughter to live in the streets because she was destitute and out of work, I took her in and paid most of her expenses until her death on XXXX XXXX, 2015. I am willing to pay my debt ; however, I feel I am being unfairly treated by Chase and harassed by collections phone calls. I feel that Chase has discriminated against me due to my age because I am XXXX, on a fixed income, and receive public assistance. Although I am willing to pay my debts, they will not work with me to establish a reasonable payment plan for my current income. Furthermore, they know I have no immediate family to help me understand my liabilities and the Chase calls have been both confusing and misleading to me. Chase has been purposely trying to get me to verbally agree to something I can not possibly fulfill for a monthly payment. I also feel that Chase has treated me unfairly because they have been harassing me with collection calls, even though I have opted out of phone calls. Because of the harassing calls from Chase, I felt pressured into finding a financial solution ; and as a result, I was scammed by a debt consolidation company, leaving me further destitute. I reported to Chase that I was the victim of a credit consolidation scam by a company called net Debt. They led me to believe they were debt consolidators, not debt negotiators. They promised to pay my creditors off in XXXX years but all they did was take my money and left me with nothing. All Chase has done was continue to harass me by their relentless phone calls XXXX times a day including Saturdays and Sundays, even though I opted out of phone calls. Being treated by Chase in this manner has caused me even more stress and anxiety. Additionally, XXXX is fully aware of the fact that on my current income I can barely afford to put gas in my XXXX old XXXX ( which my daughter had an accident with before she died ) There was {$11000.00} damage done to my car by another driver who chose to go through XXXX stop signs and hit her. She was driving safely and only going XXXX mph., while he chose to ignore the traffic signs and did not drive safely. I do n't have enough money to feed myself or go to the doctor for routine checkups, let alone afford to make outrageous amounts of payment to Chase as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: JPMORGAN CHASE & CO.
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I live in XXXX, drove XXXX miles to XXXX to XXXX store ( XXXX ) tried to pay with credit card issued by Chase, it denied my transaction, I called the number behind the card, talked to a representative about it, for 15 minutes, i thought everything was fine after the conversation, returned to the cashier and again declined. I called back to credit card customer service, talked 30 minutes until no more battery on my cell phone, I left the things I intended to buy and drive back home for XXXX hour or so. 
I was expecting that when your credit card is declined, XXXX phone call from you fix the things, but not. 
My question, what the customer should do in this situation?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Tuesday at approximately XXXX I received a call from XXXX. I was waiting on an important call and thought I would answer, although I do not usually answer unknown numbers. I answered and the person just said XXXX XXXX? I said who is this and they immediately said the were calling about a bill I owe point medical, I said who is this and the man said that I owe a bill and if I do n't pay it will is going on my credit report. I said I do n't owe anything what are you talking about? He then said something and I could hear some one whispering in the background to him and he said I owe XXXX money. I said no I do n't, and you never confirmed you were taking to the correct party not tell me this call is being recorded. He said something I did t understand and kept saying that I do owe and if I do n't pay it is going on my credit report. I told him that that are n't supposed to call me. I have had issues in the past with this company calling and harassing me. They are rude and I previously told them to NEVER call my number again. I will pursue the advise of my attorney because this is causing me undue stress and I have XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
this debt originated from XXXX XXXX XXXX in XXXX XXXX was told this group was " in network ''. Not true. I was initially billed a {$600.00} deductible, which I paid. In XXXX I noticed on a credit report that Paragon Revenue Group had placed a collection for {$3500.00}. I tracked it down to XXXX. After calling several times I was told the reason I owed this bill was because they FAILED to file the insurance claim!! I have battled Paragon for 13 years now. If I call or write to dispute it, they renew the claim. Or did. Now, it 's on auto-renew. I have no account number as it 's so old it 's out of their billing system ( they admitted this in XXXX ) and Paragon 's billing system. XXXX removed this debt twice ; XXXX and last year as there is no way to formally pay what I do n't owe due to their error. I 'm extremely frustrated that it has continued to ruin my credit.And I have no means to correct it. You 're basically my last hope. Any questions? call me or write. Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I AM REPORTING UNAUTHORIZED TRANSACTIONS MADE BY AMERICAN EXPRESS IN MY BUSINESS ACCOUNT. AMERICAN EXPRESS ASSESSED MY ACCOUNT TO MAKE CREDIT CARD SETTLEMENTS AND COLLECTIONS TOTALING {$23000.00} DURING XX/XX/XXXX-XX/XX/2016. THESE TRANSACTIONS WERE MADE BY A MERCHANT FOR GOODS USING AMX. THERE IS ABSOLUTELY NO REASON MY BANK ACCOUNT ROUTING NUMBER SHOULD HAVE BEEN ATTACHED TO THE XXXX TRANSACTIONS PROCESSED BY AMX. I WAS NOT INFORMED OF THESE ERRORS AND AM VERY UNSETTLED THAT MY ACCOUNT HAS BEEN COMPROMISED. THIS SITUATION HAS NOT BEEN COMPLETELY RECTIFIED AND I AM WORRIED ABOUT ANY CONSEQUENCES WITHE IRS REGARDING THE {$23.00}, OOO.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Regional Management Corporation
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I placed an online application with Regional Finance, Immediately after I called the business to stop application process. I spoke to associate at the branch in XXXX NC and they told me to contact home office. They assisted me with correct phone number and then I spoke with the associate in the underwriting department. The associate in that department told me he would void my application and my credit would not be pulled. Two days later I received an alert on my report that they did in fact run my report. That 's when I filed a report with XXXX and I did not get a resolution to my complaint. They referred me to this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
It sure would be nice if someone would finally help m for a change. It is obvious that JP Morgan Chase does not give a XXXX about their customers and leaving people homeless. I have written previously and WILL CONTINUE TO REPORT JP Morgan Chase until we receive a satisfactory resolution. 
JP Morgan Chase is the sorriest excuse for a mortgage company. I am writing about the mortgage in the name of my father, XXXX XXXX XXXX, XXXX and I have full authorization to discuss the account. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone 's desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well XXXX, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I recently became aware that for the last 2 years, I have been charged {$5.00} to make a payment on my credit card, inside a CHASE bank. The teller NEVER mentions the {$5.00} fee and this fee is not reflected on my payment receipts. It is usually deducted from my XXXX XXXX XXXX XXXX account 5 or 6 days after I 've made the payment to CHASE. Today, around XXXX, I called CHASE, and spoke to a Customer Service Supervisor by the name of XXXX who informed me that unfortunately there was nothing the bank could do about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: JPMORGAN CHASE & CO.
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Chase Bank was hacked. My ATM card number was stolen -- along with many others ' ATM numbers -- and monies withdrawn from my account at an ATM in another state. This happened on Tues, XX/XX/XXXX. As of today, six days after this event, I still do not have my money back in my account. I still do not know when I will have it back. I spoke w/ customer service and up the chain to the so-called " escalation team. '' Apparently, my money and that of the other " hack-ees '' wo n't be returned until Chase 's " system '' does what it needs to do. In other words, I was told that nothing can be done about returning my money until the system determines when I should get my money back. That is what I was told by XXXX of the Escalation Team.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-14
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Issue: Payoff process

Complaint:
XXXX I contacted Chase Slate card services twice to get a pay off for XXXX credit cards. I was told they could not give me an amount. I paid the balance on both cards and closed the accounts as of XXXX XXXX 2016. I the received a bill for {$170.00} XXXX XXXX XXXX I went into Chase and spoke to a loan officer about getting pay off. She spoke to Chase services and told me to pay {$170.00} that day. I did pay the amount. I contacted the WA Attorney General because I felt they should have given me a pay off. Today a representative of Chase called me I was told I had to pay an additional {$11.00}. I went back into a Chase bank a loan officer called services and spent over an hour trying to get this fee waived. He was told no. We offered to pay the amount if we could have an email or something to say it was paid off. The card rep said no. The local loan officer was told it was the principal. I then found out the {$11.00} was for XXXX of the cards that had a XXXX balance when I checked XXXX XXXX. The {$11.00} posted XXXX XXXX. How can I get them to stop charging me and why cant they calculate a pay off when someone calls even their loan officers. I am told all is legal. Sounds very wrong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Nelnet, Inc.
State: MO
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 was told this XX/XX/XXXX that my Income based repayment plan would continue as long as I provided my tax information each year. Which I 'm sure I read when I started the XXXX many years ago. However I was never told what my calendar year anniversary was, or a specific date. Rather that I had just to provide my tax info once I had it. Now I realize that each year they 've added interest to my principle while I waited for my tax info to arrive and then to file it. The representative at Nelnet never stated a specific date but just a general statement, He said " once you 've got your tax info turn it in to us to continue with the XXXX ''. I 've just been told today by another representative at Nelnet that my XXXX lapsed for a period and over {$3000.00} has now been added to my principle and there 's nothing that can be done about that.That 's equal to or more than I will make in payments ... I can only guess that this has happened each year and they just gladly applied that to my principle but never called me to state if we do n't get " X '' information by this date you will get booted from the IBR. This is a terrible and deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I had my Home Depot credit card stolen ( 2007 ) and used by someone else. I had all the police reports to indicate this. Home Depot refused to see the issue and said it was my fault the card was stolen. So, they kept me liable for the charges. I disputed every call I got. XXXX days ago, I got a call from my daughter-in-law, who is an XXXX of the court that she received a very harassing phone call to have her give them my number. She refused but took down the information so I could call and find out what this was all about. The man I spoke to was threatening to take me to court if I did n't pay the outstanding balance owed even though it was fraud. He did not give me a chance to speak to my lawyer, altho he knew I had a lawyer involved in the case and should have called him instead of me. I was never given a chance to show my documentation and was told I had to pay right away or go to court. He had me sobbing and scared. He said just take care of this and it will all go away. I called the company he represents, XXXX XXXX XXXX. He represented himself as a lawyer which i later found out he was n't. When I spoke with his office manager to request a copy of our recorded message ( he told me it was being recorded ) she, XXXX, told me there was no recording of the call. I called XXXX again today to ask her to send me the file they have on my case and she said she would have to check with her manager to see if they can send me the file. So, after being harrassed, my daughter-in-law being harassed, they have no intention of sharing with me the proof that I owe the money. XXXX XXXX was called in to a meeting yesterday ( per XXXX ) to discuss how he handled the case, and subsequently resigned. So I am now hold XXXX XXXX XXXX liable for unfair practices. 

1. my daughter in law was contacted at her place of work2. He represented himself as a lawyer. 
3. He threatened legal action against me. 
4. He was aware that I had a lawyer and contacted me anyway. 
5. He did not provide me with verification of debt. 
6. He did not notify me of my right to dispute the debt, except to say if I disputed it I would be taken to court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for a loan modification with Chase sometime in XXXX and Iwas called several times by Chase for the same documents overand over again. Then when all my documents were finally in andwent to be processed, I was denied a modification. I lost myjob, so I am not earning the money I use to make, but I amemployed or underemployed as the bank likes to call it. I do n't feellike I was helped enough, but given a rushed solution of doing ashort sale. I want to stay in my home if possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This is a complaint about a change in the first date of delinquency from XXXX XXXX with XXXX credit Bureau. The original first date of delinquency was and is XXXX XXXX as shown on the excerpt from my XXXX credit file I will attach dated XXXX/XXXX/XXXX but on the second report dated XXXX/XXXX/XXXX the first date of delinquency has been changed to XXXX XXXX. It is the same account number and same account balance. These date have been deliberately changed so that this item does not drop of my report.

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 2015-07-16
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was one payment away from getting my LTV below 80 % and thus getting rid of a $ XXXX/mo PMI payment. Just before the payment was made, my loan was sold by XXXX to Chase who subsequently changed the rules. Chase requires XXXX % LTV or a new {$450.00} appraisal, a very unfair practice to keep me paying PMI when I was so close to getting rid of it. My home was valued at $ XXXX and Chase will not honor that appraised value. A new appraisal would surely be more than the XXXX Assessor 's value of $ XXXX but I feel it 's unfair to ask me to shell out another {$450.00} to prove it. Or to continue paying PMI until XXXX 2016 when the principal would be below 78 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: JPMORGAN CHASE & CO.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Chase auto finance has repeatedly refused to report accurate information to the credit bureaus in regards to an auto loan that I have with them. Now they have decided to not report the loan at all and deleted the entire account from my credit report. This was done after I asked for them to report the correct balance owed to the credit reporting agencies. The loan was only being reported to XXXX of the XXXX bureaus and the balance they reported each month was the same XXXX, instead of the actual balance. Every call made to the executive office was ignored, until I finally escalated the issue to someone who made the decision to just delete it entirley instead of just reporting it as it should be. The entire duration of the loan I have encountered numerous reporting issues all that had to be escalated to be resolved, and dozens of phone calls made with promises of issues to be resolved and never addressed correctly. This loan was not included in a bankruptcy and they continue to treat it as such and are not following the laws and I have damages as a result of their actions impacting my credit history. My excellent payment history over the last 5 years has been deleted arbitrarily and this needs to be addressed as they are defrauding me as a consumer at my expense.

Company response to consumer: Closed with explanation