BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Other fee

Complaint:
I was charged interest on a recent credit card statement of XXXX which was onerous given that I had sent XXXX checks in the same envelope for the entire balance minus XXXX. XXXX check was for XXXX and the other check was for XXXX. I had made an error in my math as I normally pay in full which is why I noticed an interest charge. Given there was only XXXX balance remaining I was mystified that I could have accrued XXXX interest charge. After much repetition of their policy of charging interest on the average purchase balance I finally got the supervisor to tell me how that average purchase balance was calculated in my case. They applied the check of XXXX and for whatever reason, tho they posted having received the XXXX check as well on the same day, it was not included in the adjustment to my balance owing. Meaning, they calculated interest on a liability they did not have as they calculated it as tho the XXXX had never been received, tho it is clearly posted. They immediately credited me back the interest, but I was upset for all the people less fortunate than I who could have been unfairly charged, or do get unfairly charged all the time. Isn't it fraud to charge interest on a liability they did not have?
How could they do this? The resolution is not my being credited----they did that. Resolution for me is having someone explain to me how this is not fraud. And who and how and what gets to decide to credit the XXXX and not the $XXXX----if they were only going to credit one check before calculating interest, is it legal to only credit the check with the smallest amount paid in? What's up with that? The whole thing screams of fraud to me and made me sick to my stomach. Again, I am blessed and have the resources to pay in full and get "credited" when something snarky is done as I am a good customer, but what about all the others who are not so blessed, nor persistent, or just plain careful when they read their statement?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am XXXX 37yrs lost my career due to an XXXX spouse. Try to live on Social Security XXXX and alimony. An individual filed a suit that I owed her money in a large amount XXXX. I only know the women from a ex spouse she called me asking for medical advice during my ugly divorce. The spouse brought me back from the XXXX XXXX Against Medical Advice caused the loss of my XXXX that maintain life. XXXX XXXX called me the week he brought me back asking for medical advice. She has XXXX issues and was XXXX  so I had to help. I put together a medical team at XXXX XXXX XXXX for her. During the divorce because of my medical condition causing a high comorbidity could not buy medicine or food. She called the XXXX she did give me a gift. Then the harassment started I had to tell her I could not help her anymore. If I would not answer my phone between XXXX and XXXX she would call the police for a well check to come wake me up. The police even woke up my neighbors told they where going to kick my door down. Then a suit was filed at a large amount for the gift. I am on social security XXXX and alimony. Bank of America has my accounts locked up can not buy meds or food and are taking multi amounts out of my accounts now showing XXXX on the alimony account and XXXX in my social security account not allowing me access to XXXX payments. Was not severed anything from an attorney or notified from the bank this was happening my money was just taken without warning. Now I have 8 security cameras due to the abusive spouse and attack dogs property fully fenced so I was serviced not a thing did not know of any court dates. I could not have gone anyway I have had 7 XXXX due to my medical condition and can not drive a car. Even placed on Adult Protective Services due to the abuse of the spouse. My state worker thinks since they are good friends this is still part of the abuse. XXXX XXXX XXXX even gave her the account numbers.

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 2017-01-26
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had an authorized user on my credit card. She started abusing the privilege, and so I promptly told the credit card company to remove her as soon as I could on XX/XX/2017 via secure message. That same day, I revived a secured message back from the credit card company, stating that she had been " removed as an Authorized User. '' Despite this, she has continued to make significant unauthorized purchases. The credit card company refuses to mark these significant charges as fraud, or to do anything to help beyond sending me a new card. Even after I spoke with the credit card company at length on the phone on XX/XX/2017, at which point they confirmed they would immediately cancel the current card and issue a new one, unauthorized charges still continue to be made on it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I purchased our home on XXXX XXXX, XXXX in which we took out a 30 year fixed conventional mortgage. At the time of purchase we had a down payment of less than 20 %, so we had agreed to purchase the Private Mortgage Insurance ( PMI ). Since that time we have made continuous timely loan payments. At the beginning of XXXX XXXX we requested from Chase bank, our current lender that we would like to have our PMI removed off our loan since we received an " Annual Disclosure Notice to Mortgagor '' from Chase that it would be possible to remove the PMI since, we estimated our property value to have improved significantly to exceed the 80 % LTV requirements. We contacted Chase by telephone and they sent us a notice instructing us to submit a non-refundable {$450.00} payment to have the property appraised. Once we submitted the {$450.00}, Chase sent out an appraiser to evaluate the property in which the appraiser concluded that our property value has increase and has improved our LTV to 77.25 %. After the appraiser submitted their findings of the increase home value Chase refused to remove the PMI stating that we need to reach 75.00 % LTV instead of the 80 %. Please help us to enforce the rules of the Homeowners Protection Act of XXXX aiding my wife and me with canceling the PMI upon request of the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: AZ
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 submitted a letter to the 3 Credit Bureaus to discard this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2020-12-15
Company: EQUIFAX, 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed the debt that XXXX wireless has on my credit report with all agency, XXXX has removed it after my dispute, yet it still remains on my transunion report. Also all the medical bills on XXXX still have NOT been removed, as they have been on trans union report, so my credit reports conflict XXXX another. I thank you for your prompt attention to this matter.. have a great day! Also I went and applied for a new car and the company assured me that it would not impact my credit score, they ran it XXXX times at XXXX different credit unions so I have a total of XXXX on my trans union report, can you please also look into this false information that XXXX XXXX XXXX gave me. Again ty

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 2016-05-03
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Arbitration

Complaint:
On XXXX XXXX 2015 we ordered a hoover board through Amazon. Several weeks later Amazon sent a email pertaining to the safety of the boards and at that time we attempted to stop the shipment. As it was already in transit, they could n't stop it. When it was delivered by XXXX we refused the shipment and the same tracking number was used to send it back. Last known location was XXXX. We notified Chase who handles Amazon.com rewards Visa to have the charge removed from the card. We are now in a battle between Amazon and Chase as to who is responsible to make good on the return. 
The third party, XXXX out of XXXX XXXX acknowledged that the item was in transit to them but has refused to acknowledge that it was received. 
As it stands now, Chase is saying that we will have to pay the {$270.00} and Amazon is saying its not their problem. At this time, we have not paid the credit card bill. 
Any help you can give us would be greatly appreciated. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX XXXX XXXX email : XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a fraudulent account using my identity, Ive made a complaint through the FTC federal trade commission!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-15
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Dear Sir I am a XXXX of XXXX. I had worked with XXXX of XXXX and USA My XXXX have been depositing my money in my Pay Pal account USA.. 
There was XXXX XXXX USD in my pay pal account. Mr XXXX ( XXXX ) was pay pal Manager, He was not paying the money XXXX XXXX USD on the vplea that Pay pal facility is not available in XXXX. He said that he can not even talk to people speaking from XXXX, He first sold my account to persons of XXXX XXXX than mis-appropriated my money and refused to pay me. During XX/XX/2020, the matter was reported to Federal Trade Commission and Honorable judge decided to pay the money during 2020. 
Now some one has said that Judge has cancelled his decision. It is requested that necessary action be taken against Mr XXXX for recovery of my money from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/2016, I was notified by local SSA office the trust account SSA was investigating found {$160000.00} missing and was told it was a loan. I phoned suspected person, and was told additional {$12000.00}. was taken from son 's trust fund also. 
Below, I have attached documents, and will be filing separate claims with this agency in an effort to have trust account bank 's cooperation in verifying all accounts associated with major trust account, to return all of our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with chase now for 9 months regarding our inability to pay. Weekly I call them, I do everything they ask. They refuse to answer my questions or call me back. I have an agent helping us and they wo n't help any of us. They have lost my file & let all my documents expire. I need to relocate and nobody there knows anything. I need them to help me and get back to us and answer our questions. After 9 months we 've exhausted our efforts, o do n't want to lose my house because they wo n't help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have been unemployed for the past XXXX months. I just started work this week, and got funds going back into my account. I had {$30.00} set aside ( the only funds that I had ) for my bus ticket from XXXX to XXXX to visit my elderly parents for XXXX. Chase bank gave me without warning a {$12.00} fee because I have not been making the direct deposit amount. Which I understand, I did not ask to waive it just to postpone it, they refused because they have waived it in the past. {$12.00} to Customer Care Specialists XXXX XXXX of XXXX Ohio is nothing, but to me it is me not able to go home now for XXXX. She told me not to take it personally but to make other travel arrangements. I just have myself, and my edler parents can not put money in a chase account in XXXX because there is no Chase branches in XXXX or Maryland. She kept telling me over and over to make other XXXX Travel arrangements. I can not bike to XXXX from XXXX, I can not walk. So maybe she is suggesting that a Chase Client hitch hikes to XXXX? I asked very nicely if I could speak to someone higher on the food chain then her, she refused and to " comfort '' me it is nothing personal. Yes it is, for XXXX 2015 I am not spending it alone because Chase bank has trained their employees to not even show some compassion to any degree on a holiday. 

She was clearly low or middle management, I was polite the entire time on the phone she refused to let me even try speak to her supervisor. I did not raise my voice, said please/thank you. Again, I understand it is a fee that needs to be paid since I am not making the direct. But All I needed was XXXX more week to pay this {$12.00}. Again this was my bus money to see my family in XXXX for XXXX XXXX, an overnight actually because I am WORKING again late on Fridays. 

It is XXXX XXXX and I received no warning at all from Chase that I would be receive this {$12.00} fee. NO WARNING. If I knew this, I would have bought my bus ticket yesterday and would be able to go home for XXXX XXXX. 

XXXX XXXX, https : XXXX, located in the XXXX Ohio HQ . If are you get her on the phone. It is best to politly decline any help from her and call back to get another CSR on the phone. She is not willing to help. 
I now have alot of time this XXXX XXXX to research policy and let fellow consumers know that it is more important to Chase Bank that they have {$12.00} from you because you have been poor the last month then a customer going to their only family on XXXX or to hitch hike down XXXX for XXXX to XXXX hours because that is the " other arrangement ''. 

I am closing with that I did not want it refunded. Just waived for one week so that I could go home. XXXX XXXX of XXXX Ohio ( https : XXXX ) Happy XXXX XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XX/XX/2020, I entered into a payment arrangement with Citi to pay off my Citi XXXX XXXX, XXXX, agreeing to pay {$200.00} the XXXX of every month for 60 months. 

In XXXX and XX/XX/2020, I transitioned to a new financial institution, opening a new checking ( and savings ) account at XXXX XXXX XXXX XXXX XXXX XXXX/acct # XXXX ) after a horrific year with my longtime bank, XXXX  XXXX XXXX XXXX XXXX # XXXX ). As part of this transition, I had to complete financial paperwork, change direct deposits, update automatic payments, contact banks, creditors, companies, etc., as needed, to ensure a smooth transition in regards to all my credit, debit/bills. 

Despite multiple attempts, both online and over the phone, I desperately mailed Citi a certified letter on XX/XX/2020 because I WAS ABSOLUTELY UNABLE TO UPDATE MY PAYMENT INFO IN ORDER TO MAKE MY XX/XX/2020 PAYMENT ON TIME. 

As I feared, Citi attempted to draft the {$200.00} payment as scheduled from the wrong account, which did not have sufficient funds. Thus, the payment was returned, and my XXXX Citi payment remained unpaid, in violation of my payment arrangement. 

Subsequently, I was able to go online to my Citi account and update my bank account info and schedule a payment ( only AFTER violating my aforementioned payment agreement by missing my XX/XX/2020 payment, rather than in ADVANCE as required, despite the fact that I expended a massive amount of effort to make it happen!, to no avail! ). This was done on XX/XX/2020. I assumed the payment was thus taken care of. 

The following, which currently remains unresolved, and remains a total mystery to me, is why I was charged numerous overdraft/NSF/returned items fees from BOTH XXXX  XXXX XXXX and XXXX XXXX XXXX, BOTH before and after my payment of XX/XX/2020 ( which would not have been late or returned but for the literal impossibility to receive help from Citi on updating my banking info on a closed account in a payment plan ) and why/how/what/when was actually transacted between Citi and XXXX and Citi and XXXX, because my Citi account only reflects, seemingly, two transactions in attempt to draft payment, while I was charged four fees over a more than two-week period.

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 2015-06-17
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Late fee

Complaint:
I have been charged late fees XXXX times recently by Chase, ( XXXX/XXXX/15, XXXX/XXXX/15, and XXXX/XXXX/15 ) even though I have paid the due amounts ; will upload records of payments, but have shared with them too. 
I wrote them to ask to reverse the fees, but they reverted only a XXXX XXXX, for payment made due XXXX/XXXX/15, because my checking account online record ( from XXXX ) shows the payment was indeed completed on XXXX/XXXX/15. 
Yet a XXXX late fee was applied even though I paid the regular due amount before the due date XXXX/XXXX/15 ( I attach if possible to upload all records and correspondence ). 
A new XXXX late fee was applied now on XXXX/XXXX/15, even though, again, I paid the due amount, even including their artificially increased amount of {$100.00} : {$53.00} ( delivered on XXXX/XXXX/2015 ) and then {$50.00} ( delivered on XXXX/XXXX/2015 ). 
I understand Chase desire to increase revenues by applying late fees, but in my case these were not justified : payments were submitted to reach them on or before the due dates, and they did. 

On the other hand, I have asked my checking account bank, XXXX XXXX Bank, why it takes even 5 days sometimes for an electronic payment to travel from them to another bank for which there is already an established payment route.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My requests and complaints with Consumer Financial Protection Bureau are continually labeled duplicate or the " buck is passed '' back and forth. XXXX  XXXX XXXX XXXX refuses to send copy of credit report used for loan # XXXX and tells me to request the credit reports from the CRA 's and visa versa. What is another government agency that I can complain to since I am refused copy of the credit report used for a loan that I have sworn is fraud?

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 2015-06-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received a robocall from " XXXX '' saying he was going to deliver a summons in the next 24 hours and to be available with XXXX forms of ID, etc and to call XXXX. I called. Spoke to XXXX, from XXXX XXXX XXXX, told him I dispute the debt, that it is time-barred, and that the kind of roboocall they are doing is illegal. He said hey, lets resolve this now, I will make it go away for {$1900.00}. I told him I dont have any money and they are not allowed to call that phone number any more ( it 's not mine ). He hung up on me. I called back asking for the company address and summons and court case number. He said it would be delivered. I told him I did n't want to wait, that I wanted the information so I could turn it over to a lawyer asap. He said it would be delivered by summons and hung up. The summons never came and they hang up on me when I call to ask for their info and the info on the courtcase they claimed they have filed and which I can not find on my Counted docket.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase placed credit inquiries on my XXXX and XXXX credit reports These are not my inquiries as I never applied with them. I called them and they promised to remove them but they never did. These inquiries are damaging my high credit score.

Company response to consumer: Closed with non-monetary relief