BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
we tried to open a account at chase jp morgan mountain view california. they opened the account and then wanted to close the account. i gave them a coupon to get $ XXXX/- for a sign on bonus. 
We asked them the reason and they suggested some corporate fraud in 2005 in a corporarate account in washing mutual and now a closed bank. for the record we have never borrowed money from this bank or ever enjoyed any kind of credit or special facility ever. moreover for the period in question we were out of the country. 
In any case they closed my account and sent me a {$30.00} check. When i presented this check at wells fargo it was dishonored. 
now they claim i owe them $ XXXX/- they have reported me so i can not opoen a acount with any other bank. strange. 
i conclusively state i owe them no money. nor have i ever committed any fraud or knowingly defaulted on anything. further my XXXX report and credit report is clean. 
this is a clear case of mistaken identity. in any case the amount in question is too small for any material benefit to anybody. 
i want the bank fined for harassment. i want my current matter and past washington mutual matter resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a credit card from Chase Bank with a {$33000.00} credit limit which I did not apply for. I have never been a client of Chase as I am employed by a competitor bank. I called Chase and they told me a fraud XXXX would be contacting me and that they would delete the card. That was XXXX weeks ago and I have not heard anything back from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-10
Company: EQUIFAX, INC.
State: MA
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: Their investigation did not fix an error on your report

Complaint:
Hi XXXX  XXXX XXXX  XXXX  ; Credit Reporting Agency ; XXXX, Equifax, XXXX  ; Listen, it's impossible that you continue to report this account with multiple inaccuracies on payment history from XX/XX/XXXX to XX/XX/XXXX for 30 days late every month. Impossible that you can honestly say that you verified. I've contacted everyone and done several types of research, as I was NEVER late during those times, and you simply replied that it's " accurate & verified '', and that means that you breach my privacy under the provisions of FCRA. It's impossible that different credit reporting agencies report different dates of being late. It's so inconsistent on the way it's reporting! Again, I was shocked when I reviewed my credit report today and found those late payment remarks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I mailed in a check for a water bill for {$1.00} ( yes, that is XXXX Dollar XXXX ) that was dated for XX/XX/XXXX. However, the check was deposited & cleared my account more than 2 weeks prior to that date. As I rarely actually write checks ( and usually to prepay my account -- which is why my water bill was only {$1.00} ), I was surprised when the check cleared so early. I contacted the bank ( Chase ) to find out what their policy was on depositing post-dated checks and was advised per " whatever lame agreement they quoted me '' that they can basically post it whenever they want, with no regard whatsoever for the date. As the check is so small, and I had plenty of money in the account, this really was n't an issue. However, it is blatantly -- and unilaterally -- unfair to the average consumer that is relying on the date clearly written on the check to be honored to allow this practice. I guess this is one MORE reason to not write checks and to hate the US banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Called from XXXX. On XXXX I was told by someone I was being sued and someone was coming to serve me with papers. I asked what this was about and they said they can not see anything and I would have to call this # to find out more. The # was XXXX. I called and they said they were called national. The person I spoke to was a XXXX XXXX. I tried to set up payment with the company but after not receiving any kind of information by email confirming anything I did not pay the company. They said legal action will be taken against me. The rep I spoke to was named XXXX XXXX. The rep refused to tell me the whole name of the company and only said they are called national. I asked if they were a debt collector and they stated no they are a proceedings office

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX/XXXX/16 JPMorgan Chase closed the credit card account because I refuse their threats, and posted on social media their attitude, on same date and on XXXX/XXXX/16 I emailed and asked to be sent a final settlement. 
See : XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX and XXXX more ... 

Message body Chase Credit Services. 

You are hereby being notified that you have either option. 

You can settle the account now and I will make payment in full on the amount agreed. 

However, JpMorgan refuses to issue a final statement, just to collect residual interest. I have asked for a final bill and their refusal nothing but greed. 
The Security & Exchange Comm and XXXX clearly said that XXXX XXXX XXXX will be in violation of securities laws if she closes my kids accounts, all penalties for closing C type shares should be borne by Chase.

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

Complaint:
I am very disappointed that Chase has not honored the terms of the offer I opened my checking account under. My employer has made XXXX direct deposits of my paycheck to my new account. Chase is claiming these are not direct deposits and not posting the {$300.00} credit as promised. I consider this wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-21
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was not sent in error ; I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
ON SATURDAY XX/XX/2021, I RECEIVED A MAILING FROM CHASE BANK AND THERE WAS A NEW DEBIT CARD FOR A NEW CHECKING AND SAVING ACCOUNT THAT WAS FRAUDULENTLY OPENED WITH OUT MY KNOWLEDGE. I CONTACTED THE BANK AND THEY SAID IT IS NOW CLOSED THEY DO NOT KNOW HOW IT WAS OPENED AND ARE MAILING ME INFORMATION TO CLEAR MY NAME. MY COMPLAINT IS MY SOCIAL SECURITY WAS USED PLUS ALL MY INFORMATION IS OUT THERE. THIS IS THE FIRST OF 2 BANKS IN 1 WEEK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Basically Chase Bank and Credit card added a fee of {$79.00} per year to our CC which they paid their afilliate Prestige Card Services of XXXX, XXXX, FL XXXX, This deduction from our Credit Card account {$79.00} per year since XXXX to XXXX for some travel benefits, which we did not order in any way. We were travel agents at the time and received all these benefits free. We never in the 12 years received any information about the card or the services available. We never used the services., How did we find out about this issue after all these years. We received a post card copy XXXX XXXX XXXX, asking us if we wished to renew our membership for another year at {$79.00}. This is tye first time we received any information about this service. 
We called the number on the card XXXX on the XX/XX/XXXX and at XXXX the same day we called XXXX and spoke to a person ( XXXX ) who claimed to be the calling service for Prestige Card Services. After some discussion she told us we had paid for the service since XX/XX/XXXX. This is 12 years at $ XXXX a total of {$940.00} We asked for some proof that we ordered this service. She said it was on file and she would make a note to have the company call us on Monday XX/XX/XXXX. No call received We asked for a full refund as we did not request nor commit for this service. She took a phone break and came back offering us a refund for XXXX years. 
I asked who she was because calling services have no authority to give refunds. The agent was flustered took several short breaks to talk to someone, and stated someone would call us back on Monday and straighten this all out. No one ever did call. 
We googled XXXX and was amazed of how this company an afilliate of Chase can operate in this Fraudulent manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Received harrassing calls at all hours of the day including nights & weekends. I am not the head of household where my address is listed & I am being informed by her that she no longer wants calls from debt collectors on her landline phone due to me. Specifically Chase company is harrassing her late at night & on weekends after she has already informed them that the number they are calling is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Nelnet, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Nelnet is reporting incorrect information to my credit report, payment history, account number, loan amount, loan date, and type of account. I have contacted Nelnet multiple times and they continue to report incorrect data. and they are reporting the information multiple times ( XXXX times )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I called Equifax and they stated NO fraud alert is listed on my credit file which should not be as I never requested one be added. Again the car company pulled my credit and yes it is on there. I need help. Equifax does have the alert on my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: JPMORGAN CHASE & CO.
State: AE
Product: Credit card
Issue: Late fee

Complaint:
I have two credit cards through Chase. Chase recently redesigned their website and now I am experiencing difficulty in making payments. I was able to schedule a payment for one credit card, but for the other card the website will not let me make any entries for method of payment, date of payment, or payment amount. I have sent several messages to Chase about this problem but each time they respond by saying they appreciate my concern but I am still required to make at least a minimum payment or I will be penalized with a late fee. I have asked them, again, several times how I am supposed to do that since their online payment portal does not work. I am stationed overseas so sending a check ( which I ca n't since I do not have a checkbook here ) by mail will get there very late. I have been a Chase customer for over 15 years and have never missed or been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Checking account at Chase Bank was restricted because, after having the account open for 20+ years, I would not give them additional personal information. I was unable to use my debit card, withdraw money from ATMs or have checks paid against this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear US Bank, I am a victim of Identity theft and my home mortgage is serviced with US Bank. I've paid my mortgage on time every month. I have great/excellent credit. I am very concerned I have not heard from the bank regarding this matter since my checking account ( from US Bank - checking fraud ) was linked to my mortgage account. We would like to hear back from you regarding our Mortgage. I understand fraud can occur with checking accounts etc however, I would still appreciate if the bank would follow-up with a written letter explaining how you will assist to ensure my mortgage with US Bank is still indeed safe and secure. I would like to partner with you. I called your Home Mortgage Department today, XX/XX/2020 and I spoke with 2 individuals - I was on an extended hold and they did not have a clear process in place. The customer representative dismissed my concerns of recent checking account fraud. He rambled on about work orders and escrow checks and other matters. I requested if I could please be transferred to fraud or if he had the fraud department 's phone number, he did not provide the information. He said he was based in CA and had access to the last four digits of my social and my home address, the individuals on the mortgage account and that it was " mostly '' public record. He was basically all over the place. " That if it was fraud, the bank would pay it off, I had nothing to worry about. " These words concerned me deeply. Thank you.

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 2015-08-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I opened an account with Chase on XX/XX/XXXX. It was closed on XX/XX/XXXX, but I was never notified. Nearly 10 years of my credit history disappeared from my account, which is negatively impacted my credit score. If I had been notified of the potential closure, I would have used the account a few times, just to keep it open.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
CHASE CHECKING XXXX STEALS {$6.00} FROM XXXX XXXX DESPITE CHASE WAS ALREADY REIMBURSED {$6.00} BY THE LYING SELLER WHO CROSSED OUT THE BOOK I WANTED AND SUBSTITUTED A RANDOM BOOK HOPING I WOULD NOT COMPLAIN. SEE ATTACHMENT.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-25
Company: COAST PROFESSIONAL INC
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:
My student loans are in default and require rehab. I contacted my creditor, Coast Professional, in hopes to make arrangement to start the rehab process. Over the phone I was originally quoted a payment amount of {$80.00}. This conversation included everything about my financial situation. After submitting my paperwork the payment amount I was later quoted was {$250.00} which was waaaaay out of my ability to pay. I offered to make the max payment amount I could of {$100.00} and they would not accept it under the rehab program. Told me that I could make the payment but it would not change how they reported to the credit bureau and I would still be at risk for treasury offset. I explained to them that I live in XXXX XXXX and the cost of living is VERY high, plus I am a single mother of XXXX with no additional financial help and have some children in daycare. They patiently listened but offered not additional options. I am fully aware that I have created this situation for myself but I want to make it right and I want to be given the opportunity to do so. I do n't know where else to turn. Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: MA
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.

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 2015-04-23
Company: Platinum Holdings Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX with Premium Receivables LLC continues to call my job after I 've asked him not to, he also calls my family members stating he 's trying to locate me to have me served with papers regarding a civil case. He is very rude and unprofessional, I can not get a word in because he talks over me. I get stressed every time he calls especially when he calls my job, I 've worried I may get fired because he continues to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
To whom it may concern. 
I have a few concerns with my HAMP loan modification with Chase Bank Starting XXXX XXXX XXXX with my Trial Period Payment. I feel these needs to be brought to your attention for review. 
# 1 - My first concern with my HAMP loan modification Is that I was paying my Property Tax and Homeowners Insurance before starting the trial period payments. Chase added an Escrow account to my HAMP and took Escrow out of my Trial Period Payments [ TPP ]. None of this Escrow from my TPP shows up as applied funds in the History I received to check on how my funds were being applied. These funds being made to an Escrow account total {$560.00} from the XXXX XXXX 's and on XXXX XXXX only {$180.00} is being applied to Escrow. 
# 2 - When I received loan modification papers. I called XXXX XXXX, the representative which worked with me on my loan modification process. I asked about the {$1100.00} shortage that was in the cover letter with my final Loan Modification documents. This statement included in my escrow payment of {$180.00} and I would have 5 years of payments to repay the {$1100.00} shortage. XXXX said the increase was around {$20.00} ( I figured the exact amount to be {$19.00} ) or I could pay full amount. I opted to do the 60 month payment plan. 
In XXXX XXXX, I received a letter from Chase Bank escrow department stating I was short {$1800.00} ( different from when the loan modification that just started ) there was an : o Option A : to pay the {$1800.00} shortage in full. 
o Option B : pay {$31.00} over 60 months. 
I opted for Option B once again. This brought my loan up from {$870.00} to a new amount of {$940.00}. I now question whether the 60 month Escrow program can be reinitiated once it has been started. 
Now my new payment starting XXXX/XXXX/XXXX was {$68.00} more than my first payment. If I was to pay an extra {$31.00}, this figure should have brought my new payment to {$900.00}, not the figure Chase Bank came up with that was so much more. 
Then another increase starting XXXX/XXXX/XXXX to a new amount of {$950.00}. 
The shortage again increased starting XXXX/XXXX/XXXX with a new amount of {$960.00} The letter dated XXXX/XXXX/XXXX still showed a shortage of {$1400.00} with a new monthly payment starting XXXX/XXXX/XXXX is {$970.00} which includes {$45.00} extra for next 32 months to pay back the shortage. 
I would like your offices to be informed about XXXX 's from Chase which is more than what actually was paid by homeowner to Chase in interest. If homeowner claims what Chase is saying and the amount was really a lot less, what are the repercussion with the IRS by taking Chases figures from the XXXX that could be wrong.

Company response to consumer: Closed with non-monetary relief