BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2013, I sold my property located at XXXX XXXX XXXX, XXXX, NY XXXX. At the closing, the first and second mortgage balances with Chase were paid in full. My lawyer disbursed funds to Chase Mortgage for {$630000.00} to satisfy mortgage number XXXX. He also disbursed funds to Chase Mortgage in the amount {$51000.00} to satisfy mortgage number XXXX. 

Despite the property title clearing and the property changing ownership, Chase continues to report a {$7100.00} past due balance to the credit bureaus, and also reports loan # XXXX as " charged off as bad debt '' rather than as " paid. '' I have reported this to the credit bureaus and my lawyer and I have XXXX contacted Chase on repeated occasions to try to remove this. I have been trying to correct it for 3 years. 

As of XXXX/XXXX/XXXX, however, the loan balance and the charge off remain on my credit report- ruining my XXXX score and also preventing me from securing any new credit. 

This is highly unfair and must be rectified immediately! 

Its bad enough that Chase forced me into bankruptcy because of a botched refinance. Continuing to report that I have not paid my debts when I have paid off everything to the penny only adds insult to injury. I certainly hope you can help with this matter. 

My attorney 's information is : XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I obtained a home loan from Chase mortgage in XXXX when I bought my home. In XX/XX/XXXX XXXX Mortgage bought my loan from Chase. I still use them and re-financed with them in XXXX. Chase mortgage is still showing on all 3 of my credit reports that I made late payments to them in XXXX & XXXX, when they DID NOT have my mortgage any longer. One of the credit agencies is saying it is too late to dispute because the account has been closed for so long but I am being denied a loan, for something else, because of the negative reports. 
I have attached documentation of both companies showing a mortgage at the same time. I have ONE home and ONE mortgage!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Central Financial to validate a collection they are reporting on my credit reports from XXXX/XXXX/15 to XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 2017-01-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I bank with Chase. I have been told by several Chase reps that users of their debit cards are protected from unauthorized and fraudulent transactions. Indeed, their website says the same and directs users to their XXXX Account XXXX for details. However, this is what the XX/XX/2016 XXXX actually says ( XXXX ) : I. NOTICE OF YOUR RIGHTS AND LIABILITIES For personal accounts only : Tell us AT ONCE if you believe your card, PIN or code has been lost or stolen. Calling us is the best and fastest way of keeping your possible losses to a minimum. 
If you tell us within XXXX business days, you can lose no more than {$50.00} if someone used your card, PIN or code without your permission. If you do NOT tell us within XXXX business days after you learn of the loss or theft of your card, PIN or code and we can prove we could have stopped unauthorized transactions if you had told us, you could lose as much as {$500.00}. If your statement shows electronic funds transfers that you did not make, tell us right away. If you do not tell us within XXXX days after the statement was sent or otherwise made available to you, you XXXX not get back any money you lost after the XXXX days if we can prove that we could have prevented the transactions if you had told us in time. 

https : //apply.chase.com/oao/DisclosureRetriever.aspx? XXXX There is a " Special Provision '' below that indicating consumer is n't liable, but this raises the question, why the XXXX, {$50.00} or {$500.00} liability language has n't been removed as these sections are contradictory..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
I was " sold '' a Chase Slate card with a fixed 8.99 % for life interest rate for purchased and balance transfers - as long as I made at least the minimum payment on time every month. They recently ( XXXX XXXX ) raised my rate by .25 %, and claim my account was changed to a " variable '' account sometime back in XXXX. I did not receive any such notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECIVE ANY RESPONSE. 


INITIAL DATE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card
Issue: Transaction issue

Complaint:
I have a credit card with British Airways Visa Signature through Chase Bank that offers " No Foreign Transaction Fees ''. XXXX I recently charged a XXXX XXXX ( XXXX XXXX ) on my credit card. I checked my bank 's website to find that I was billed {$25000.00} US Dollars ( USD ). The transaction was settled by Chase Bank on Monday, XXXX XXXX, 2016 using an exchange rate of XXXX USD per XXXX. The currency exchange rate, as published by XXXX on XXXX XXXX, 2016, was between XXXX and XXXX. Assuming that the highest exchange rate of the day was used, a rate overcharge of XXXX resulted in a FEE of {$1500.00} to be charged on this transaction. Upon contacting Chase Bank, I was informed that there is " No Fee '' on the transaction. They stated that XXXX sets the exchange rate used for each day and that Chase Bank has no control over this rate. XXXX, in fact, did publish a rate of {$1.00} on XXXX XXXX, XXXX. The rate set by XXXX is 6.5587 % greater than the highest actual exchange rate on XXXX XXXX, 2016. Chase Bank 's representative defended the process by claiming a distinction between the exchange rate and a transaction fee. As a consumer, the exchange rate and the foreign transaction fees are effectively one in the same. 

There are several issues at hand. The advertisement, " Transaction Fees on Foreign Transactions : None '' is patently false and is tremendously misleading. Chase Bank is hiding XXXX 's 6.5587 % Transaction Fee on the exchange of XXXX 's to USD 's. This claim should not appear on their websites for " No Fee Cards '' without a disclaimer that the foreign currency exchange rates used will be arbitrarily be set by XXXX and have no relation to the actual transaction exchange rate. 

I would appreciate the CFPB 's investigation in this matter to make the consumers aware of these tremendously misleading claims and hidden fees. I would also like to be reimbursed for the transaction fees that were charged that are above the market rate for this transaction. I feel that my many past foreign transactions on the Chase Bank XXXX XXXX should also be subject to a similar refund. I have detailed documents that support the amount of the charge in XXXX, copy of my Chase Bank posted transaction, XXXX 's XXXXUSD rate quotes, my cardmember service agreement and XXXX 's " imaginary XXXX-USD exchange rate '' on XXXX XXXX, 2016. 

I thank you for looking into this very deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit card
Issue: Application processing delay

Complaint:
I am rebuilding credit following a chapter XXXX bankruptcy discharged in XXXX XXXX. I have limited new credit established and decided to apply for a Chase Freedom card on XXXX/XXXX/XXXX which was described to be the type of credit card good for those with previous credit challenges or need a second chance. I had not receive a response on the application after more than 30 days. I called Chase XXXX XXXX around XXXX/XXXX/XXXX to find out the status. I was told the application was denied and a letter was sent to me. I did n't receive it so I requested a copy to be mailed to me again. The representative said he would process my request. As of XXXX/XXXX/XXXX, I had not received the denial letter, following my request for a copy. I called again and asked to speak with a Lending Supervisor to express my concern. I finally received the denial letter dated XXXX/XXXX/XXXX which is over 60 days from the date of my application. Additionally the letter says I applied for the Chase Slate Visa XXXX credit card which is the incorrect product. I believe Chase did not handle my request within regulations regarding the product type and timing to send me a response on the credit decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: AMERICAN HONDA FINANCE CORP
State: NY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
OMG I found crazy things in my credit profile, account that are not mine and can not be mine as I do not recognize them. I have no idea why I have them, and why nobody have made any investigation. Its not fair therefore I ask you to remove them finally.

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 2017-02-28
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
It all started when CitiMortgage bought our loan from XXXX. I made my normal payment to my mortgage company ( XXXX ) and another mortgage company ( CitiMortgage ) called to tell me that I was late with my payment. When I informed them that I had already mailed my payment I was told that CitiMortgage bought my mortgage and I was to pay them. We were making our payments and such and got a letter saying that CitiMortgage was charging us for homeowners insurance that we already had and was sending in the certificates for every year. We later found out that we were being charged for insurance for 7 years. We started really looking at our bill and saw " fees & fines '' and when we asked where these fees and fines came from, they could n't tell us. We tried to do a modification with them in XX/XX/XXXX/XX/XX/XXXX and was denied after the 6 month trial because they said that they did n't get our first payment. When I told them when it was mailed in and the money order number they did an investigation and found our payment on the desk of someone that no longer worked for the company, but they still denied our modification and the only option that they gave us to keep the house, was to do a modification that started with a low interest rate that would increase every year until we got to our initial interest rate, so we did. We started another modification in XX/XX/XXXX, but I lost my job and they quit talking to me. I stopped getting monthly statements from CitiMortgage and started getting them from a company called XXXX. We tried to do a modification with them, but were denied for different reasons, and then they said that they were going to foreclose without offering any other options such as putting what we owed on the back of the mortgage because they said what we owed was {$30000.00} which means @ {$580.00} a month, we would n't have paid for at least 7 years which is untrue. XXXX said that the house went to auction XX/XX/XXXX, but no one bought it. They continued to send us statements until XX/XX/XXXX. My husband was talking to a realtor that works for XXXX and he told us that the deed was transferred XXXX XXXX, XXXX, which we found out was a lie. I got a letter in the mail that says the deed was transferred back to the lender on XX/XX/XXXX. A guy from the mortgage company showed up at the door to see what to tell the Sherriff 's Office, and when we told him what was going on he informed us that XXXX is not even a mortgage company, but a debt collector and never had any intention in helping us keep our house and suggested that we get a lawyer

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 2017-04-30
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I pay my mortgage on a bi- weekly basis and also send in an additional {$250.00} towards principal. I have been doing this for the las t 5-6 yrs and would always receive credit every 2 w eeks toward principal as they received my payments. After reviewing my payment history, I noted that effective  XXXX / XXXX / XXXX , I was only receiving credit once a month. This kept occurring until  XXXX / XXXX / XXXX , then started again  XXXX / XXXX / XXXX  through  XXXX / XXXX / XXXX . I called customer service who tried to tell me that since I am on a monthly billing cycle, that the payment sits unapplied until they get the second payment.  Well  that 's  XXXX  because it never happened before and then what 's the purpose of sending in bi-weekly payments. I called a second time and was told that they changed their system last year and are working out the issues. In the meanwhile, they have been floating my money and not giving me credit for my payments as they receive them. I sent them a letter with my payment history that shows the discrepancies of how the payments have been applied and have not yet heard from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08
Company: JPMORGAN CHASE & CO.
State: NC
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I continue to receive collection calls from Chase ; even though account is current : Pay due on account XXXX of month ; after XXXX of month acct is past due ; I received at least XXXX collection calls between XXXX ; when I questioned caller ( s ) why I was receiving collection calls ( each time caller advised this is attempt to collect a debt ) I was advised they were courtesy call : I advised I felt that I was being harassed ; and further that I was going to call the " Consumer Protection Agency '' to ask if it was legal for them to continue to call me about account which was in " current status '' : I was previously assigned an account assistant by Chase ; XXXX XXXX XXXX XXXX however, she never contact me ; msg left by me to her were never answered : My Mother is now deceased her income ( {$2000.00} per month ) was considered in terms of mortgage ; my retirement income is {$2300.00} per month : Chase mortgage payment is now approx. {$950.00} per month : The acct is now current ; please do not continue the harassment : Thank you : Signed :

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I applied under a XXXX bonus for the Mileage Plus Chase Visa Card. Within an hour I received an email offer from XXXX about a XXXX bonus ( email attached ) for the same card. I emailed XXXX ( email attached ) and they said they could n't do anything that I had to contact Chase. I called Chase and the agent told me that I could get the XXXX bonus by cancelling the card with the XXXX bonus and reapplying under the XXXX bonus. ( Unfortunately, this was a phone call with no documentation. ) I did what the rep said which held up the XXXX bonus card for two weeks while they cancelled the XXXX card and issued the XXXX. When it came time for the bonus, I only receive XXXX miles. After writing XXXX emails and speaking to XXXX reps, despite the fact that I forwarded a copy of the XXXX bonus email and the XXXX XXXX email, Chase will only give me the XXXX bonus. If the original agent had told me she could n't do anything, I would have been unhappy but I would have understood. I also would not have had to wait for the credit card or have had my credit rating affected because I applied for and canceled a card within a small window. Instead I did what the Chase representative told me to do and was greatly inconvenienced. Unfortunately, crediting less than the bonus offer is a common Chase practice which I found out by searching on line after my unhappy experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: JPMORGAN CHASE & CO.
State: OK
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Chase waited XXXX days to dishonor an item I deposited. When I called the Bank to complain I was given the royal run around and was given inaccurate information about the reason for the dishonor. My account has been debited for the amount of the deposit after XXXX days. Each time I asked for greater explanation the story changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I reached out several times on XX/XX/21 and XX/XX/21 and XX/XX/21. I've summited all required documents to them. and I get sent from one department to the other and nothing gets accomplished dealing with credit companies as a consumer is a wasted of people hard earned time. they need better knowledge teams working there. I have wrong information reporting on my credit file.

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 2021-07-01
Company: ALLY FINANCIAL INC.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Ally Financial violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. Ally did not verify employment or verify it was actually me getting the loan. Ally requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon ally financial I was a victim of XXXX  lending. Ally has not sent me the original indebtedness in its original form.

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 2015-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Billing statement

Complaint:
I have noticed that a number of credit card statements use a very small font. I 'd guess XXXX pt or less while others use a much larger font - XXXX of XXXX pt. On at least XXXX occassion I have misread XXXX of the small font payment stubs where the day was printed as a " XXXX '' but I misread it as a " XXXX ''. I do n't need glasses in the normal course of my activities but have have bought reading glasses jus so I can read these statements. 

While there maybe other companies using the smaller fonts, FIA Card Services and XXXX XXXX XXXX XXXX are XXXX companies which user a smaller font. The payment coupons do not have a space issue that would require the use of these small fonts so I suspect these fonts are used intentionally in the hopes the consumer will misread them an permit the company to charge a fee for submitting an incorrect amount or missing the due date.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation