BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-26
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:
someone pretending to be my daughter filed a claim with chase bank that they were missing money and so chase made a deposit not once but several times to her account. The perpetrator withdrew the money from her account by using an ATM card as well as using a withdrawal slip inside of a branch. Chase is holding me responsible since its a high school account and has transferred my money to offset the negative balance in my daughter 's account. I have called numerous times and so did my daughter to let chase know that we did not make these withdrawals or claims that money was missing. All we wanted to get across was that someone hacked into or stole my daughter 's identity and was stealing from chase. no one would listen to us at chase and they have since severed all relationship with my daughter and myself. I am left with {$0.00} balance just 4 days before XXXX and chase has done nothing to investigate who is responsible for these transactions. I have asked for them to pull the video tapes from the ATMs and branches where these transactions took place. I need for chase to reimburse my money and apologize for their action not to investigate our claims that something was not right with the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
we applied at the request from our current mortgage finance company, jp morganchasebank ( this was a snail mail request on or about XXXX/XXXX/XXXX ) ... we were instructed to contact XXXX, mortgage broker for jpchase XXXX/XXXX/XXXX : the requests for financial information reached XXXX pages over a period of time from about XXXX/XXXX/XXXX to XXXX/XXXX/XXXX .. we have a perfect credit rating,,, we have had a chase mortgage for about XXXX years that had no problem with our payments which were always on time ... when we finally asked, after 4 months of reasks what our financial goal was we were denied any further access re additional information ... we were stonewallded by that banker XXXX ... without any response to what we were required to prove on XXXX/XXXX/XXXX we were summarily dismissed from the application process with NO reason except we had no sufficient income ... we asked what that income had to be to assure the new loan ... we queried what that had to be and were totally denied ... we then went to managers and threatened various counter actions ... ok so now what????

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-18
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Money was stolen electronically from all of my accounts with Chase Bank. {$24000.00} from my Money Market Savings Account. There was also {$5000.00} stolen out of both my checking and my savings accounts at separate times and numerous smaller amounts. When I realized that money had been being drained out of my account I called Chase Bank and asked to put a stop payment on the withdrawal and it was not performed. Also Chase Bank neglected to put my money back into my account after that happened to my supposedly insured money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a bonus offer from Chase Bank regarding opening of new checking acct. 
I called their customer service and refer me to the nearest branch Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. I came to their branch on XXXX XXXX, 2015 around XXXX. I entered the branch and went to their new accounts. I meet the banker name Lorraineand telling her that i will open a new checking acct and setting up direct deposit. She respond to met in rude way 'you know what time it is? we cant open your acct since it takes 45 min to finish but it told her i was at branch prior to their closing. So she asked the branch Manager XXXX. So She came back asking XXXX valid id 's So i present her my Valid drivers license and ATM debit from XXXX XXXX XXXX. While on the process she ask to enter my ssn # then i entered it. Then she asked me where i born .Then i replied to her that i born in the XXXX . She said oh yah ... .. then she said are you resident of the US ? i said yesthen she said i need your green card since you born from the XXXX ... .... 
i asked her if she is serious she said yes with rude voice ... ... ... ... ... ... 
I told her i have it but i do n't bring it with me all the time for safety reason. it might lost. 
She said i do n't care you should carry it all the time since you born from the XXXX. 
We ca n't open your acct. if you want go to another bank but chase policy is that we ca n't open without your green card specially your born in the XXXX. So i felt discriminated and embarass. because of my race as a born from XXXX. I ask the Manager XXXX XXXX to told about it but it get worse she protect her banker and telling same thing since i born in the XXXX i need to have my green card. So i asked her that i can bring it tomorrow cause i need it on my direct deposit. But she told me that same thing you born from the XXXX Chase bank policy is to have a green card as primary id. I told her that i have shown already XXXX form of id 's to banker XXXX .But Manager XXXX said again. It 's policy if you born in the XXXX we require green card as the id.Also she said she dont care even i report them to any agency since she is the vice president of the company. 
I felt discriminated for what they did to me. Hoping that you 'll help and assist me with this unlawful treatment by this personnel from Chase Bank.They reject me and discriminate to open an checking acct since i born from the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a Moving Company called XXXX scam me, on the same day when i realized that i was had, i called my bank to stop the check that i had written, the rep asked me what was the the check #, which i gave him, he also asked me what was the range of the amount of the check, i gave him an amount of between, XXXX and XXXX dollars the amount on the check was XXXX, so the bank is telling me that it does not matter that i gave the check #, its the amount that i gave was the reason that the check went through, if he had told me that i needed the exact amount for this transaction i would have given it to him, i do not understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-16
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: Late fee

Complaint:
My credit card issuer, Chase Slate, assessed my account with a late payment fee of {$27.00} on XX/XX/2016 that was a direct result of their online payment system being unavailable to access requests from XXXX. In speaking with their technical support services staff on the payment due date of XX/XX/XXXX about the issue they informed me that they were not able to provide an alternative and advised me to contact the Chase Customer Service line during regular business hours. They assured me that my access attempts and phone call were logged and that the matter would be rectified without penalty. 

The following day I contacted Chase Customer Service and spoke with an agent who informed me that " as a matter of policy they would not refund the late fee despite the online payment system availability and the assurances from their technical service staff ''. I attempted to escalate the issue by requesting to speak with a supervisor to whom I described the issue, provided her with the details of my phone call and offered to produce an image of the web page errors but she insisted they would not reverse the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-03
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
My X husband and myself have a joint Marriott Card together. When we got divorced on XXXX XXXX, 2013 the card balance was given to him as a liability. Last year he lost his job. He was unemployed for 6 months. He could not pay the amount of XXXX per month. We both talked with Chase and they said they will not do anything about changing the amount of the payment and are now reporting as a delinquency. 
I told them how much we could afford together to pay something to them they refuse. My credit is now being completely destroyed when this is not my debt anymore to begin with. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I purchased a home in XXXX, XXXX in XXXX, MD. I was up-to-date on my payments until XXXX XXXX. The house was listed for sale in XXXX XXXX as I had secured a position in XXXX to begin in XXXX XXXX ( XXXX ). I attempted to get a deed-in-lieu from my mortgage lender but proceeded in getting referred to office, number, after office, number. I moved to XXXX XXXX XXXX ( the house remained on the market ) but continued to make mortgage payments on the property for 3 more months. All the while getting the run around by the lender about deed-in-lieu, short sale, etc. 
Finally, I XXXX XXXX I declared bankruptcy for basically just the property. Unfortunately, my lawyer did not explain to me that while Chapter XXXX wiped out the debt - the property would remain listed in my name until a foreclosure sale was held. I was led to believe the bankruptcy would remove the home, mortgage, and property taxes from my name and return it to the lender. 
The lender sat on the this property until XXXX!!! Finally, in XXXX of XXXX it was auctioned off. According to an attorney I was working with during that time, the property sold at auction in XXXX XXXX. This was verified by myself with the XXXX County Courts. 
The problem : The purchasing party at the auction did not transfer the property out of my name until XXXX XXXX! when they sold it to a private party. I believe the purchaser of the property at auction as JP MOrgan Bank. Because of their fraudulent or negligent behavior, I have been prevented from purchasing another home. I have been gainfully employed since XXXX. This issue came to light, when 3 years after my bankruptcy, I put a contract on a home. At that time, I was attempting to secure an FHA loan. It was found that although it was 3 years after the bankruptcy - it was not 3 years after the foreclosure because the property sat as a " phantom '' vacant house up to that time. I was told I would need to wait 3 years after the property was sold at foreclosure. 
I have done that - waiting patiently for the opportunity to buy a home. Now, I am checking the Maryland XXXX real property site and it is showing the property did not sell until XXXX, XXXX. But both my lawyer and myself confirmed with XXXX County courthouse the property DID indeed sell at auction in XXXX XXXX. 
Can you please, please help me? I would very much like to secure an FHA loan to purchase a home and would like to begin my search in XXXX before my lease is up. 
Thank you very much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Co signed loan for nephew. He repeatedly fails to pay. XXXX had his employment and contact info but harass me daily with calls every 1/2 hr. How can they be forced to contact 1st signer and make repayment demands?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I attended XXXX university from XXXX until XXXX. I returned home due to having a baby after completing my XXXX year of college. ( loans should not have been repayable until XX/XX/XXXX ) I then attend XXXX University from XXXX until XXXX - I submitted paper work for in school deferment while if was attending XXXX and XXXX XXXX. However now it has come to my attention that I did not received the in school deferment. Again loans should not have been may repayable until XXXX. Also I have also made payments, the best I could, as I was getting numerous collections calls during this time and now it has come to my attention Navient is showing my and my co-signers account as be 3-4 months past due. I would like to get credit for the months I was in school along with our credit reports reflecting no late payments are there should have been none due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
i have contacted navient via email to XXXX XXXX XXXX and requested that all dispute remarks be deleted my credit reports ( they have been deleted to date ) and ive pointed out that i received a letter from navient stating that the statute of limitations has expired and XXXX now owns the accounts. yet the credit bureaus have navient reporting ( charge of profit and loss ) with a past due account reported monthly. does this follow FCRA or are they reaging the accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: Colony Brands, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have written to the company to dispute the debt. I received a response with a print out of a supposedly show of payment and finance fee with only referenced info from 2014. I asked that a complete show of orders and payments with proof of payment via check or credit card and that was not sent. 
I have written to the original creditor who has not responded but they are reporting the debit to the cra 's who keep validating the debt I have asked the cra 's to validate the debt as well. The original creditor is reporting the debt under Montgomery ward XXXX XXXX XXXX XXXX XXXX on my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Bayview Loan Servicing continue to violate consumer financial protection laws of dual tracking foreclosing on our home while we are in an active workout. Bayview Loan Servicing has started a foreclosure or foreclosure sale in violation of loss mitigation rules. 
Starts a foreclosure or foreclosure sale in violation of the loss mitigation rules. 
Bayview Loan Servicing is actively foreclosing on our home after we have made XXXX payments on time and continue to make payments. The trial modification plan called for us to make XXXX active payments on time. Although Bayview Loan Servicing has failed to provide a permanent modification package until XX/XX/2016, we will continue to make payments. 
On XX/XX/2016, Bayview Loan Servicing claims I stated to an Asset XXXX that I declined the Permanent Loan Modification Documents they sent me. Bayview Loan Servicing stated " On that same day XXXX XXXX spoke with the Asset XXXX and stated that she declined the Loan modification offer. '' 1 ) Firstly, after our second Asset XXXX, XXXX XXXX left Bayview Loan Servicing failed to notify me of who my new Asset XXXX was. 

2 ) The third XXXX XXXX never answers her phone and therefore I always leave multiple messages and she never returns phone calls to discuss the loan. 

3 ) Bayview Loan Servicing continues to harass us and discriminate against us due to our XXXX by blatantly lying and making false accusations to cover up their neglect, unfair practices and. I would like to make this perfectly clear I NEVER DECLINED ANY PERMANENT LOAN MODIFICATION DOCUMENT FROM BAYVIEW LOAN SERVICING ON XX/XX/2016. I did n't receive any documents from Bayview Loan Servicing for a Permanent Modification Documents until approximately XX/XX/2016. Therefore, it would have been impossible for me to have stated to an Asset XXXX at Bayview that I was declining permanent modification documents I DID N'T HAVE. 
Bayview Loan Servicing claims they called us on multiple occasions and we did n't answer. 
1 ) Bayview Loan Servicing NEVER called on the dates they indicated or multiple occasions. 
On multiple occasions I have sent qualified written request to Bayview Loan Servicing, Bayview Loan Servicing has failed to acknowledge my letter. Although Consumer Financial Protection Laws state Bayview Loan Servicing has failed to fix the error within the XXXX to XXXX days ( excluding XXXX, XXXX and XXXX holidays ). Bayview Loan Servicing has also failed to send us the information we requested or investigate and explain why no error occurred or the information was n't available. 
Bayview Loan Servicing has failed to state why they think they did n't make an error, and has failed to explain in writing why. Bayview Loan Servicing has also failed to explain why the information is n't available.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I 'm having some trouble with bank of America ( my mortgage lender ). They admitted to their mistakes but when it came to fixing my credit from their mistakes they are giving me the run around. I had a auto draft system in place to pay my monthly bills and had no lack of funds at all times. But for some reason bank of America did n't take the mortgage payment off the auto draft, and said we defaulted on payment ( XXXX times ) and our credit was dinged XXXX times because they did that. I 've had this loan for more then XXXX years and have always been on the auto withdraw payment system and never had a problem. I 've always had sufficient amount of fund so i did n't need to ever bother to check. They said originally it was due to lack of funds but we showed the statements that we had sufficient funds. Through many difficult phone conversations, which were recorded by them, ( after speaking with the supervisor ) they finally admitted their wrong doing but they said they ca n't do anything for us in fixing the credit dings. They just gave us an XXXX number to do it ourselves. Id like to report them to you guys because they are not helping us at all clearing those defaults on my credit which was put on incorrectly due to their faults. There were sufficient amount of funds and when they forgot to take it out they made it like it was our fault. the funny thing is they later on did go ahead and took the money like XXXX days later and then again did n't take it out the following XXXX months. this is so frustrating. I 'm signed up as auto withdraw and had sufficient amount funds. what more must I do. I do not want them to just get away hurting my credit scores.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Back in 2012 I had an account with bank of America.So one day I accidently left my purse on the bus with my debit card and my id in it.Someone found it and did something with my information I informed the bank of it when it happen and I thought they would close the account since I did n't approved but they did n't so now its on my credit.

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 2016-05-04
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a XXXX with XXXX complete years of service. I have applied for grants like XXXX and the XXXX Forgiveness program, but have not had any luck in contacting anyone to answer my questions. I never received any money from XXXX after my five years of service and now that the Department of Education has switched their loan servicing website to Navient, my XXXX Forgiveness starts over from the beginning! Instead of having three more years until loan forgiveness, I now have seven more years, which is unfair. My monthly payment is {$660.00} a month and every month, my student loan balance seems to remain the same.

Company response to consumer: Closed with explanation