BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-14
Company: JPMORGAN CHASE & CO.
State: ND
Product: Credit card
Issue: Balance transfer

Complaint:
I initiated a balance transfer from my XXXX XXXX card to my Chase card. A few days after I submitted the transfer I had the new balance on my XXXX XXXX account. I still had the balance on my Chase account. I contacted XXXX XXXX and went over the information. I gave them the account that is was suppose to be paid off ( Chase ). They said they sent an electronic payment to a XXXX digit number ( they did n't have the last XXXX of my credit card ). They said the tried to do a stop payment but could not due to it being an electronic payment. I contacted Chase and they said since the account does n't exist they can not locate the money. They said to contact XXXX XXXX and they can " take their money back ''. I have been in contact with several supervisors and no one wants to help me. They point the finger at the other bank. XXXX XXXX assures me that since they sent it electronically that there is nothing they can do. Chase assures me that there is nothing they can do. I do n't think I entered an account number in error but even if I did I do n't know why this is n't fixable. There was a payment of {$1100.00} sent to an account that does n't exist. There should be a ledger showing this amount on Chase 's system and they should either credit my account or reject the payment from XXXX XXXX. I am now stuck with XXXX balances with no end in sight. I am at my wits end and no one wants to get it resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Hi, I was contacted by phone on XX/XX/XXXX and was told by an agent of XXXX XXXX ( XXXX Texas ) that I owed in excess of {$22000.00} as a result of a debt from a Chase credit card before XX/XX/XXXX. He said that if I did n't pay they would file a XXXX. He said he did n't have to send me written information and when I refused to accept this debt he said " enjoy the IRS '' and hung up. I called back a couple of times and they said they did n't have to write me with the information about the debt and hung up on me. I sent a certified mail return receipt letter ( XXXX ) of dispute on XX/XX/XXXX to the P0 box indicated on their website. I see the letter was not picked up and is being returned now. I sent 3 more letters today ( XX/XX/XXXX ) -- XXXX XXXX to their street address, a certified-only to their street address and one certified-only to the PO box address. I informed them in the letter that all my debts were discharged by Title XXXX bankruptcy XX/XX/XXXX, I have had no collection activity in the last 10 years, and there are no negative records on my credit reports that could be confused with a debt like this. I have not changed my address in the last 10 years so that could not cause confusion. I am concerned that they will try to create a paper trail or a basis to revive a non-existent or discharged debt and use the IRS XXXX to the same end. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30
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 check for a larger than normal amount and went to the local Chase bank branch to speak with a banker on the best way to deposit it. Since CD interest rates are so low, it was agreed that I would open a new savings account. I also upgraded my checking accounts based on his recommendation. 

A few days later, the check cleared and I created XXXX bill pay items to send out. A few days after that, my primary checking account went negative and the savings account was also negative. XXXX XXXX had marked the check as fraudulent. I got a new check from the company that was pre-cleared by XXXX XXXX and returned again to Chase. 

After a few phone calls, I was told only the savings account would be closed and that I could open a new one to deposit this new check. I also brought along work checks to deposit into my existing checking account. 

Chase then froze and closed all my accounts. I 've been banking with them for XXXX years, since 2010 and have never had a problem with deposits. They said they would issue a check after the accounts were closed. This leaves me with no checking account and almost 15 days of waiting time to get access to my existing funds that were in my checking accounts, not counting the deposit. 

Why did the banker not warn me that this could happen? Why was my account flagged?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have had multiple issues with XXXX XXXX and Navient. My loans have been at 16 % +. I have had to make multiple calls to try to get my interest rate reduced. I have been treated very poorly by XXXX XXXX and Navient. The staff there have made comments such as " Its a hard reality to have a student loan '', " maybe you should n't have went to school '', " we will not lower your interest rates, we do n't have that authority ''. There have been multiple other comments made by the company as well. 
When I was going to school there was not clear communication as to what was happening with my loans. I just went to an office on campus and signed some documents and was told everything was fine. When I graduated my initial bill was XXXX a month, I was unable to afford that payment. I had to call and was treated poorly by the company. This also continued as I tried to manage living and eating. I became behind in my payments related to surviving, however, did make some payment every month, I was called relentlessly and made to feel like I was the only person on earth not making payments. Again, I was at least making an effort to pay my loans. I am still paying on my student loans, and desperately need a XXXX XXXX XXXX in which I can not afford as I am still paying on my XXXX XXXX. I can not afford a mortgage payment related to the amount of student loans that I am paying a month. It seems as if there is no end in sight with paying off these loans related to the interest rates, and XXXXNavient has been of no help with having interest rates lowered to be able to pay off these student loans. 
I feel that I have been ripped off by this company when it comes to my student loan rates, and that they have made it impossible to be able to pay off my loans. I can also not consolidate my loans as they are private loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Privacy

Complaint:
Closed on a mortgage with Chase XXXX XXXX, XXXX. Chased changed the mailing address on my XXXX Chase Credit Cards XXXX XXXX, XXXX. This change was without my verbal or written permission. Chase did not inform me of their intentions to change our mailing address. We do not plan to move into the new home until XXXX XXXX. We are revovating the home to for our personal design. Both these credit cards now do not match the address on our Drivers License. I called Chase to have address changed to where we want to receive our mail. Was on hold set back and forth between XXXX countries and XXXX different people. Issue not resolved. I am employed as a XXXX and work XXXX. I now do not have a credit card that matches my Drivers License, if asked or additional I.D . As a XXXX XXXX XXXX we are told do not show our Passport. As passport is work more than our life on the black market. Again Chase did not ask my premission, for address change and did so without informing me or giving me option. How can I get my address changed to where I want my mail? Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I went to our Chase branch at XXXX XXXX XXXX, XXXX XXXX NY to speak to business banker XXXX XXXX to open a business credit card ( Chase Ink+ ) on XXXX XXXX, 2016. XXXX informed us that we were preapproved for the card, and we submitted a written application with XXXX for the credit card with XXXX XXXX ( see " my information '' for uncensored name ) as the applicant. Over the next 3+ weeks we kept on following up with the banker, and was repeatedly told that application was still pending. Finally, we called Chase ourselves, and we were told that no application has ever been received for XXXX XXXX for the Chase Ink+ card. We contacted Chase for an explanation, but they refused to give us an explanation as to why the application was not submitted, or why we were n't told. We wasted tremendous amount of time and effort on this issue and we still do not know why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: JPMORGAN CHASE & CO.
State: OK
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to dispute the response submitted on Consumer Financial Protection Bureau case number XXXX. I am attaching additional correspondence and would like case to be reopened for further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/XXXX I purchased a home for XXXX. My payments were XXXX a month including my insurance. It was a 30 year loan. In XX/XX/XXXX I refinanced getting XXXX in cash. The mortgage balance was XXXX. My balance on the house jumped to financing {$50000.00} My payments were XXXX a month not including my insurance. I bought that separate. 
My complaint is I have paid on my house for 29years. I still have 9 more years to go before I pay my house off. I am XXXX years old, I will be XXXX when the house is paid for. Principal and interest totaling {$180000.00} for a house XXXX plus XXXX cash. Costing me {$5000.00} for XXXX I may not have all of the figures exactly correct but I do know I made a terrible mistake refinancing. My question is this should not be legal. My interest rate is 8.5. I checked into getting a lower interest rate and I can through Chase at 4.5 getting my payments to {$290.00} a month for 15 years. Then I would be XXXX years old. I am retired and receive an income of XXXX a month. My question is who is getting my money besides the mortgage company and the government. What can I do to pay my house off I still owe about {$32000.00}. Is there any help? Do I have to accept that I have to pay almost XXXX for a house that I got for XXXX plus XXXX cash totaling {$58000.00}. That is XXXX interest. The guy that refinanced got {$5000.00} for giving me {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
An account with " XXXX XXXX '' was opened in my name for {$300.00}. I did not open this account. I reported fraudulent activity to my bank when noticing money deducted from my account. Third party now put me in collections although it was identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase is my mortgage company for my home at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX with PIN no. XXXX. I have an escrow account set up for this loan. On XXXX/XXXX/2015, Chase mistakenly used the money in my escrow account to pay the property tax of another property with PIN no. XXXX. In XXXX, I have received a letter to inform me that I need to pay the escrow shortage for {$8700.00}. This amount includes the amount mistakenly paid for other property 's property tax. I called Chase to get this issue resolved. They said that it would get fixed in one week. One week later, I received a letter stated that I needed to go to the XXXX County office to ask for my escrow money back. I went to the Chase back office to understand the situation. The customer service told me that I did n't need to do anything. The issue would be fixed in one week since Chase made the mistake and Chase would fix it. One week later, I checked online. Nothing happened. I went back to the Chase office. This time, the customer service informed me that I needed to go to the XXXX County to ask the money back. Chase can not do it for me. There is nothing they can do for me. I went to the XXXX County office today and the clerk informed me that if the other property owner does n't pay the property tax, they would not be able to refund me the money. This is a very frustrating situation. Chase has made the mistake and refused to fix it. I should not be the one who needs to fix the situation. Chase 's action should be considered unethical and illegal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, California XXXX Phone Text : ( XXXX ) XXXX Email : XXXXXXXXXXXX XXXX : XXXX Friday, XXXX XXXX, 2015 Dear XXXX : I 'm requesting this letter. Importance, Next XXXX XXXX, 2015 at about XXXX, I 'm going to JPMorgan Chase, XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX and I need to get started the information and fill out the application for a car loan for 2015 XXXX XXXX, Final Price : {$27000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, sales phone : ( XXXX ) XXXX. 

Next XXXX XXXX, 2015 at about XXXX, I 'm requesting a car loan payment calculator for the monthly loan payment : {$420.00}, loan term : 72 months, APR : about 3.06 %, loan amount : {$27000.00}, total paid : {$30000.00}, and total interest : {$2600.00}. 

PLEASE check my account is history credit card or? and will sent to me email. Thank you much. 

Sincerely, XXXX XXXX XXXX Sent from my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Westlake Services, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a creditor on my credit report that is reporting conflicting information. I have attempted several times to dispute the information with XXXX but they refuse to dispute it any further. The company is Wilshire Commercial XXXX also goes by Westlake it reports my account was opened on XXXX then reported since XXXX. Not sure how it has a report since XXXX but not opened in XXXX. Information listed below. 
Credit Items WILSHIRE COMMERCIAL CAPITAL Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Account Number : XXXX .... 
Address Identification Number : XXXX Status : Discharged through Bankruptcy XXXX XXXX. 
Status Details : This account is scheduled to continue on record until XXXX XXXX. 
This item was updated from our processing of your dispute in XXXX XXXX. 
Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Auto Loan Terms : 24 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$3100.00} High Balance : NA Recent Balance : {$0.00} Recent Payment : {$0.00}

Company response to consumer: Closed
Consumer complaint received 2016-08-10
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Received fraudulent inquiry on credit report from XXXX. Equifax investigated and provided the following result ( they wo n't remove it even though it is fraudulent, it is affecting my credit score, and I have called XXXX twice and they say there is nothing in there records regarding a credit inquiry for my SS or my name ) XXXX We have reviewed the inquiry information for XXXX XXXX. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX Na, XXXX XXXX XXXX, XXXX XXXX, SD XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02
Company: Genesis Lending
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I 'm a former student at XXXX institution in florida. The actual location of the building was XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I was a XXXX XXXX student and I was one of many students that were in the program as the school was getting ready to be sold. At first they told us that it would not affect the students and we would be able to finish with total help for job searching, but as the the classes went on the school was finally sold and yet the same instructions was instructed meaning we were able to finish. Toward the few months of the program the school kept changing the schedule and started to rush teachers on finishing their program. The school laid off a bunch of employees one by one even one of our own teacher in the program. Soon close to finishing class there were only XXXX financial officer which was n't the one that help me during the beginning with my student loans and financial aid, but she kept on telling me that I owed money to the school and that I was n't able to graduate until I got it settled. I had recalled telling her that I had taken cared all my financial situation before I went to clinicals. Which needed to be done in order to go into hospital to follow clinical rotation. But she kept insisting and said that she ask for a loan and she 'll send a letter requesting it but she never followed up when I try to reach her and eventually she was laid off before we got it settled. The school had handed me the diploma but i felt like they were just rushing the students to get finished and that they did n't care for us at the end. I did n't even received help from the career services that was required in the program. Come to find out that the teachers that were teaching at the school had gotten jobs at the hospital where we had attended clinicals. So instead of the students who paid and took out " loans '' for school, never had a chance of getting a job that they were promised in the beginning of the program. I feel like I wasted a year and $ 20,000+ for no reason and I feel like these loans from these private place like Genesis and others, should be discharged because of the false advertising and promise that XXXX College made but decided to take our money and up and leave the students to look for a job on there own after being rushed out. Yes, we got diploma but we need help with Interviews and Job searching which were all included and promise but never fulfilled by the school that closed on us.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: Collection Consultants of California
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I sent certified mail requesting that my account show proof that my medical insurance was billed by XXXX hospital for my visit on XX/XX/2015. Collection Consultants Collection Agency is billing me without having ever billed my medical insurance. I never received a response by mail from them in which I am entitled to. They ignored my certified mail and refused to show me proof that they billed my insurance prior to sending me to collections. My coinsurance would be {$75.00} ( real balance ) total and they are billing me an incorrect charge for over {$10000.00} plus {$1800.00}. I submitted all my documents showing my conversation with the billing office in which they stated they have my insurance and would bill them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The guy XXXX send someone to my house when only my payment was XXXX weeks late. Recently he told me on the phone that on the kind of person that does n't pay my bills while yelling at me on the phone. I told them several times that I would pay them as soon as I can my husband was very ill and almost died and I was willing to submit documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-21
Company: WATERSTONE MORTGAGE CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Had to prepay for an appraisal In the amount of {$400.00} for a loan that I did not close on. When I asked about a refund, I was told that refunds are not given for appraisal. I than asked another lender and was told that if a loan is not closed on, I am not responsible for the cost of an appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I called transunion and tried to get them to delete inquiry 's that they deleted and put back on without giving me notice.

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 2016-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
TransUnion was notified by XXXX and by myself that I am a victim of fraud.Police report was submitted and reviewed which mentioned that I am a victim. TransUnion failed to delete the XXXX # XXXX. TransUnion is aware that address XXXX, XXXX FL XXXX was fraudulently used to open account.

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