BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/XXXX I contacted Chase Bank and inquired about the status of my accounts. Upon being transferred to a XXXX at Chase Bank Card Services, I was informed that my accounts where closed because I was not using that account as intended. When I asked to elaborate, her reply was that my account was closed because I have added and removed authorized users and that Chase assumed that because of this I was not using the account as intend. I asked her how and who assumed this? She would not give further information and just stated that I will receive a letter in the mail. I asked her how can they just close my accounts when in fact I have had these account sine XXXX and never had a issue? I informed her that I was following the instructions given to me when I called in the past. As matter of a fact they said that I can have as many authorized users as I want. Even when I explained this she plainly fail to regard me and just blew off as if that 's it and moved on. Chase never gave me instructions and ways of how to use the authorzied user program. They just said that I could add and remove as many as I want. I requested to speak to a supervisor and she refused to transfer me and stated that there was n't any supervisor on the floor. That I will get a call from them. I instructed her that I was filing a complaint with the CFPB and that I was reporting the ill action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Chase approved me for XXXX of their credit cards, Chase XXXX XXXX. Upon receiving the card, I began to use the card. After a few transcations, I get a phone call from Chase regarding a fraud alert. I return the call and answer the appropriate questions. I was told to then go visit a local Chase branch. I went to the local branch to prove my identity. The branch personnel called the Chase security team and verified who I was. One week goes by and there is no contact by chase. I call daily to check the status. I eventually find out that my Chase credit card has been cancelled because of fraudulent activity. Meanwhile, there was no fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Rewards

Complaint:
My wife held and qualified for the XXXX Bonus Miles offered with the Southwest Airlines Rapid Rewards Visa Card offered through Chase Bank. As required she spent the {$2000.00} within the first 90 days. The terms and conditions state that the " bonus miles will post after fulfillment of the requirement. My wife closed the credit card account prior to the miles posting but after " fulfilling '' the terms and conditions. The terms and conditions do not stipulate that the miles are forfeited if the card is closed prior to the posting. Furthermore, my wife was never informed of this over the phone at the time that she closed the account. Chase insist that they would have so informed my wife -- they did not. My wife holds XXXX college degrees including XXXX graduate degrees and is a highly paid professional. What are the chances that she would would have closed the account with a XXXX balance and forfeited the miles had she known? As stated, such information is NOT in their terms and conditions. The so called " Customer Service Specialist '' at Chase stated that the forfeiture information was in the letter that she received AFTER she closed the account. Little late then

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We have been under contract since XXXX/XXXX/XXXX. Today is our closing date and the lender has sent the following response, '' Good evening, Based on what the coordinator and I talked about earlier tonight, the delay is on Wyndham Capital. There is no issue whatsoever with the borrower 's qualifications. The loan has been conditionally approved, with the XXXX conditions being an updated asset statement ( showing the funds from the sale of their previous home ) as well as an updated Social Security Authorization disclosure. Wyndham will be reimbursing the borrower for the delay and we apologize for the unnecessary stress for all parties. '' The lender is now asking for a closing date of XXXX/XXXX/XXXX. The borrower is homeless with pets and all of her items are being driven to Florida on XXXX with nowhere to go. The seller will be incurring a cost of another month of paying the mortgage. The lender is now asking for purchase price, XXXX addendum, and other items that were sent to their office on XXXX. We still do not have a result of what has happened. They stated that they were aware of TRID guidelines however ; they failed to reach out to the borrower in sufficient time to prevent her homelessness and other catastrophes regarding the buyer and seller. Please let us know if you are able to contact this company in regards to their carelessness with the lending process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank closed XXXX of my accounts, and the reason was that I said a XXXX remark to the teller. I had my granddaughter with me, who is half XXXX, and would never say anything so rude. I ca n't access my cheeks or savings accounts. I was told that I had to wait ten days and will get my money as a check in the mail. This has been very difficult on me, as have medical issues. 
Any help will be appreciated, regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mother purchased a home in XX/XX/XXXX. About 10 years ago, CHASE bought the loan from the previous mortgage company. For the past 20 years, my mother has had trouble paying the mortgage payments. However, CHASE has my name shown as the co-borrower for the mortgage. I was only XXXX years old when my mother purchased the home and I NEVER filled out or signed any mortgage papers. My mother had my name placed on some of the papers as the beneficiary just in case something happened to her. I am NOT nor NEVER was a co-borrower or owner of the home. I 've tried several times to have my name removed from the mortgage loan, but the XXXX credit bureaus continue to reflect CHASE on my credit history as a borrower for the mortgage. In XX/XX/XXXX, my mother went to the XXXX XXXX XXXX of Deeds and have a Quit Claim Deed done to remove my name. The home is commonly known as XXXX XXXX, XXXX, Michigan, parcel identification XXXX. The CHASE mortgage case number is XXXX. I am applying for jobs and this issue with CHASE is contaminating my credit history. I should not be held accountable for my mother 's mortgage loan and a home purchased in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I became behind about a year ago due to loss of income. In XXXX of this year Chase offered us a repayment plan based on both mine and my wife 's income. Unfortunately, circumstances changed again due to my wife losing that job and we could not take the repayment plan. I called Chase on XXXX/XXXX/16 to find out if we have time to submit a loan modification package before the sale date of XXXX/XXXX/16. The agent advised me that if we submit a complete package 7 days prior to the scheduled sale date they will postpone the sale date until they review the package and make a decision. So I collected all the documents I was told to send and faxed them to Chase on XXXX/XXXX/2016. I called on XXXX/XXXX/16 and an agent by the name of XXXX said she found the documents faxed and the sale date is in the process of being postponed. She advised me to call back today XXXX/XXXX/16 to make sure it was postponed. When I called today and spoke to an agent name XXXX, she was really short with me and said she does n't see documents and the sale date is not being postponed. I immediately requested a manager and I got XXXX XXXX on the phone. He started reading the account notes aloud to me and stated that as of the XXXX/XXXX/16 the notes say they received documents however the modification dept denied the request to even review for assistance because it is not within 7 days of the sale date. I then tell him that it wrong because the sale date is on XXXX/XXXX/16 and that note was put there 11 days before the sale date. He immediately realized his mistake by reading the notes aloud and was stuttering. He then began to blame it on the investor which is FHA. I said to him did FHA deny the request, he said no because they never even saw it since Chase denied it. I told him that Chase told me I have 7 days to submit before the sale date and his notes confirmed it. He said there is nothing he can do. I feel like I 'm being discriminated against specifically on my loan. Chase over and over again stated that they are willing to postpone sale dates if a loss mitigation package is submitted 7 days prior to the sale date and I submitted 12 days prior and they are confirming they received package on XXXX/XXXX/16 but lying and saying it 's not within 7 days to so they can take the home instead of help me. Please, please look into this matter and help. There was other options available to me but Chase lied to me and now the window for those options is not available. They did this on purpose and the notes in their system prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
XX/XX/2014, I booked flights with XXXX XXXX for XXXX people to XXXX XXXX and also bought show tickets. It was all under a XXXX vacation promotion with Chase Bank. I decided to purchase the Travel Protection Coverage in case of an emergency. Turns out I had to cancel the trip so I called Chase Bank around XXXX XXXX to cancel the trip and get reimbursed for the show tickets and flight. I would get all I paid back except the " protection fee. '' The Chase rep was very nice and said she would take care of it. I got a refund for the show tickets on XXXX XXXX, but not for the flight. No one called me or let me know that the Chase policy is to call XXXX a couple of times and if they do not answer then they stop trying. I was changing jobs and did not notice the {$1000.00} was not credited to my account. Months went by and I happened to check my balance and it had not been paid off with my monthly payments. My fees should only have been about {$200.00}. I called Chase Bank and the rep confirmed I had not been credited a refund but that I had to fill out a claim form and show " proof '' of the transaction even though they had the proof. I filled out the form, signed and returned it with my current phone number. A week or so later I get the same claim form to fill out again. I called Chase again and was told someone tried to call me but I did not answer so they closed the case. They called the number in their system and not the number I provided on their form. I get disconnected and had to call back. A different rep said it was true I had not received a credit and he called XXXX. XXXX did not answer so the rep said there was nothing he could do and I had to fill out another form. I was switched to a supervisor XXXX who was very lecturing and annoyed and told me nothing could be done until I filled out another claim form and told me I needed to provide a lot more information than was on their form. She said if they dropped the ball in not contacting XXXX I still had to pay because it took me too long to " notice '' due to their XXXX day policy. XXXX was only interested in getting me off the phone and not resolving the problem. The Protection service does not work. Their claim system is broken and they do n't care. The policies are for the convenience of Chase Bank and not the customer. They go through the motions of talking to customers and being courteous but leave the customer holding the bag. There is no way to tell how many customers have been overbilled due to their so called " protection benefit '' and when they call in, they are made to jump through so many hoops, they either give up or are not helped so Chase keeps their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I advised XXXX debt wasnt mine and advised them that i never had the company and that my wallet got stolen in high school with my social inside, sent Jefferson capital system a debt validation letter over XXXX+ days ago and the debt still havent been verified, and Im trying to take care of this once for all and disputed with XXXX after not receive debt validation request and was advised information was accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I recently switched to the Chase XXXX XXXX card, and when it arrived I called customer service to cancel my Mileage Plus Club card ( also from Chase XXXX. The agent I spoke to on XX/XX/XXXX informed me that I would get a refund of my annual fee as long as I cancelled the card within 6 months of the fee being charged. She confirmed for me that I had until XX/XX/XXXX to cancel my card to receive a full refund of my annual fee. 
I called again on XX/XX/XXXX to confirm the refund policy and that I had until XX/XX/XXXX. Today I called to cancel the card and was told that the policy was changed XXXX weeks ago and that the new policy only allows 30 days so no refund would be issued. I spoke to a supervisor and he refused to help me in any way, or to provide me with a name or phone number for a more senior supervisor to help resolve the issue. Further he refused to provide me with contact information for your customer Ombudsman, XXXX of XXXX XXXX or primary regulator to report this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: Green Square Company LLC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Voicemails on my cell phone stating that there have been serious allegations against my personal information.  That myself or my attorney need to contact them and make a statement today.

Company response to consumer: Closed
Consumer complaint received 2016-06-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I 'm always paying my balances with Chase freedom in full, and never had intention to pay late or not to pay. I 'm monitoring my credit report constantly, and recently found out that Chase Freedom Credit Card placed negative information on my credit report, stating that I was over 30 days late with my payment of {$78.00}. I recently moved, and did n't receive billing statements from Chase to my new address, and was n't aware of the payment due. 
I notified the post office about my move, but never received anything from Chase. 
I know that before placing my account in past due status, and reporting to Credit Bureaus, creditors usually try to contact clients by phone and or email. Chase Freedom has both : my phone number, and email, but never tried to contact me. When I found out about negative info on my credit report, I immediately contacted Chase, and paid full balance to them. I asked them to remove negative information from my credit report, but they said that they will credit me the late fee, considering my excellent paying record, but refused to remove negative information from my credit report. I feel that Chase made an error by not contacting me using other means available to them, and need to fix it by retrieving the negative entry from my credit report. 
I 'm in the process of applying for loan, and this negative entry reduced my credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Long story short, I was currently in the Indiana hardest hits program when Chase bank put an illegal judgement against me. During my investigation they claimed it was because I defaulted the program so I called to confirm that it was completed and that they did send the XXXX $ dollar check to catch up my patents. It did take all XXXX to catch me up because in addition to my insurance policy At all state they had also been adding a forced placed policy of there own for years. I only had a XXXX day notice to being homeless. I also have the mortgage documents to prove this was an illegal foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Equifax XXXX, XXXX, XXXX XXXX date:XX/XX/XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in 2017, I received a '' grant '' fom a company called XXXX XXXX XXXX after I clicked o " help '' when I was resubmitting SNAP paperwork to my Vocational rehabilitation center. Over the course of the next few years ( it was ment to make small deposits fro The State of Florida for people on SNAP, Unemployment, or made under the XXXX Poverty line ) I received a few small payments through XXXX XXXX, and PayPal as XXXX was XXXX XXXX only bank. I started to notice bills and collections that I had no idea what they were, so I called PayPal, as I could no longer find any trace of the " Program ''. They told me the deposits were coming from an actual person, and they had aquired my information through a hack that they had went through, that I received NO notice of. This lady had acquired myself, and 50 other people 's information, used her credit cards to pose as this program, then claim the cards stolen to make back her money while aquireing information. PayPal " fought for me " but " dd not succeed '' and I was to not only pay the balance, as I was no longer protected as they changed their terms to not protect anyone, anymore. Cute, so they lost my information, my money,, and dud nothing for it.. I contacted a lawyer,, and wen to court.. She used my information and opened a bank account, ( XXXX  which I closed ), spent money with my PayPal, got a PayPal credit card, and used that, luckily she made the mistake of getting caught by one of the other victims who had XXXX XXXX, and we all went to court remotely many times. She was declared guilty ad imprisoned. I have spent a long time, even speaking to XXXX and the credit burocrats who attained the sealed court hearings. Yet here the debt remains. " I'll get it taken care of '' etc is what I get during every dispute. I am ermine, and just want the few grand disputed correctly, and my score back, so I can go back to what remains of my life, it ruined me and my family. I can't get work, I can't fix my car, I can't take the kids to the Dr , were practaly living in a Brooke down auto under the causeway, because I have been denied everything that will help u after my OVID layoff/closure. 
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
WHITE COLLAR CRIME complaint against QUALITY LOAN Service Corporation - illegal foreclosure auction against our home tomorrow, XXXX XXXX, 2017 at XXXX. Please see attached for details. Exhibits to be sent via fax shortly. 

Thank you for your investigation and enforcement of the applicable laws for consumer protection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Nelnet, Inc.
State: NY
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 enrolled into XXXX in XX/XX/2015. My financial aid advisor never told me about taking out any loans. I 'm on public assistance & I brought in my paperwork to them so they can figure out what would be covered. Now I 'm getting emails from Nelnet saying I owe them {$22000.00} which is impossible because I never took out a student loan.

Company response to consumer: Closed with explanation