BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I just learned today that Chase is closing the bank account of the XXXX XXXX XXXX ( XXXX ) after we had been with them over 12 years. They did not close my other XXXX accounts, XXXX of which is the XXXX XXXX XXXX XXXX of XXXX XXXX. 

They refuse to tell me why they closed the account saying and I quote the person I spoke with a XXXX XXXX XXXX : " We have the right to not give out the information on why we are closing your account. We have conducted a review of each and every account and have found that somehow we find risk and it is our right not to tell you what that risk is. The decision made by entire Chase company. I did not make the decision. We can not tell you who in Chase made the decision to close your account. '' We do not sell, distribute or in any was deal with XXXX itself. We are an XXXX patient support group and law reform organization that works within the legal and political system to end XXXX prohibition. 

Chase Bank seems to believe they have the right to deny financial services to a person because they disagree with their political position on a legal issue. I wonder if a federally chartered bank can deny financial services for that reason. They could not do it for race, ethnicity or religion. Is this a free speech violation of the first amendment for a federally chartered bank to do this? 

I am not the only XXXX to have this happen. XXXX had all its credit card processing accounts closed for the same reason last week. 

The question is why are so many financial institutions doing this as we are doing nothing illegal. Is this their own decision to undermine us or is some backroom power ( law enforcement? XXXX? ) putting pressure on them to pull the financial rug out from under the XXXX movement?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I recieved promotional checks from Chase XXXX to transfer balance at no interest until XXXX 2018. I used the check for approx XXXX. I recieved my first statement with purchases of XXXX plus the new promotional balance. I paid XXXX to cover the 3 % interest of the check and the bal of the purchases expecting the bal of that payment after applied to purchases to be applied to the promotional bal. To my surprise on the next statement I was billed interest of XXXX. Now it 's not the XXXX I am concerned of, but the princible of the interest charge itself on the purchases which I did cover. I called Chase and was told that I was charged interest because I did not pay off the entire balance of the purchases with the promotional balance. So in essence even though I paid off the complete balance of purchases with additional incuded to cover a portion of the promotional balance plus the initial interest fee of 3 % for the promotional check, they are still charging interest. As I understand and how I have expierenced this with other CC companies, if I pay my full purchase balance of that month, there should be no interest and the difference is always applied to the promotional balance. XXXX CC as example. I have a promtional balce running with them currently I feel this is fraud as the promotion advised no intererst, but then they are expecting you to pay the full balance at the month end regardless if it covers previous months purchases, otherwise pay interest on the purchases amount regardless if you pay enough to cover that amount. Totally mis leading and in my opinion FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My Chase debit card information was obtained somehow and they spent {$2400.00} at XXXX, XXXX on XX/XX/2016. Then an ATM withdrawal in XXXX again for {$500.00} on XX/XX/2016. Tried to Log in to my online acct. and it said my username and password were incorrect so someone changed it. I called Chase and they froze my debit card and said they 'd send out a new one. On XX/XX/2016 the {$2400.00} was credited back to my account. After not receiving my debit card after 10 days I called Chase and stopped that one as it had been sent but I had n't received it. The lady at Chase also informed me that the {$500.00} atm withdrawal was denied reimbursement as it would have had to be me in XXXX. I informed her I was in XXXX and could prove that. I was then sent to a supervisor then a Chase specialist after I informed them I would have to take further action against them. I was given a case number then the next day Chase took the {$2400.00} back out of my acct. I informed them I was filing a formal complaint and would be closing my accts. I was sent to another ladies voicemail with no return call. So I have not been reimbursed any money as the law requires within 10 days nor do I have a new debit card!! I will also be filing a complaint with the OCC and with my local branch manager. Very disappointed in Chase Bank as the bills that are supposed to come out of that account are n't getting paid!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have XXXX duplicate negative accounts on my credit report ( so, XXXX negative marks on my credit report. The original creditor and the collection agency that bought the debt ( XXXX XXXX XXXX ). The account numbers are the same for the original creditor and the collector. 
More importantly, XXXX XXXX added both the accounts to negative collections in my credit report, despite the fact that they have been paid in full.

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 2015-08-24
Company: Bull City Financial Solutions, Inc
State: NC
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:
My identity was stolen and accounts were opened as a result this account is reporting on my credit report and with your company is fraudulent and you continue to report

Company response to consumer: Closed
Consumer complaint received 2016-05-23
Company: ACS Education Services
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have paid on a consumer credit student loan since XXXX. My school did not accept federal or private loan disbursement of funds. This was living expense. After XXXX for over 10 years I am on XXXX XXXX. Consumer loans earmarked as student loans disbursed directly to me are not dischargable in ch. XXXX bankruptcy. ACS services my loan and ca n't make discussion in regard to discharge, and they will not provide me with the of the bank who owns the loan, who makes those decisions. THE PROMISSORY NOTE HAS BEEN LOST BY THE SERVICER AND THE OWNER OF THE LOAN. THEY HAVE PAGE XXXX AND XXXX. THE TERMS ARE LOST. THEY TELL ME THEY ARE UNDER NO OBLIGATION TO TELL ME ANYTHING. IF I STOP PAYING, I CAN HAVE CONTACT WITH THE OWNER OF THE LOAN. Federal loans are discharged in my situation. In bankruptcy this is no longer a consumer loan. The rules that apply to federal loans would benefit me, but now I found out the XX/XX/XXXX bankruptcy reform only punishes those with a consumer credit loan and does not afford those of us with the private loan the benefits afforded for a federal student loan holder. OF ALL OF THE RULES PERTAINING TO CREDIT, THIS IS THE MOST UNJUST AND INCONSISTENT. THERE IS NO PROTECTION OF THE INDIVIDUAL FROM BANKS WHO CREATE LAWS FOR THEIR BENEFIT. UPON MY DEATH I AM NOT EVEN ALLOWED TO KNOW WHAT WILL BECOME OF THIS LOAN. XXXX XXXX currently claims they hold the loan, but my SERVICER will not confirm or deny. Banks can change legal documents even after agreeing upon the terms and they do n't even have to keep a copy of the promissory note.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I get XXXX accounts with XXXX with XXXX different amounts who supposed to be removed and still showing on my credit report with Equifax. I want this accounts to be closed and removed immediately on the 10 days turn around. When a company removed some account for a credit agency every credit agency should do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: ACS Education Services
State: VA
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:
On XXXX/XXXX/XXXX I contacted ACS in order to get assistance with bringing my account current. I was told that I did not qualify for a forbearance. On XXXX/XXXX/XXXX at XXXX I called back with a rep from the loan guarantor on the line. I spoke with XXXX XXXX who said that I was eligible for a forbearance for 4 months. She further represented that my accounts would be brought current, the forbearance had been re-submitted and was pending and she had expedited it. In XXXX I received a bill from ACS requesting a payment for a date that had already passed. I began calling ACS immediately to correct the errors to my account and deterine why it was past due. I was told that the forbearance was not applied for XXXX as I was told it would be. In addition I was told that the income based repayment that I applied for was not applied until XXXX XXXX {$13000.00} ) and therefore, I was past due for the standard amount ( $ XXXX ) for the month of XXXX. I made an immediate payment as instructed in order to prevent my account from being reported more than 30 days late. I made payments on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have contacted ACS twice a week each week in order to attempt to reach a resolution on my account. Each time I am told something different. Most notably, on XXXX XXXX, XXXX, XXXX of ACS, informed me that the XXXX payment would be corrected to reflect the payment due of {$130.00} and that the negative credit bureau reporting for the months of XXXX, XXXX XXXX and XXXX XXXX would be removed. I was told on both XXXX XXXX and XXXX XXXX, XXXX that internal investigation requests had been submitted and that XXXX would recieve results within XXXX10 business days. Despite following up on many occassion in writing, I have yet to recieve results. I requested a copy of my promissory notes on XXXX XXXX, XXXX. I have not recieved a copy as requested. I have rquested a copy of all correspondence that was sent to me since XXXX XXXX and was told by XXXX as well as a supervisor, XXXX, that ACS would not and could not provide correspondence because it had already been sent to me and ACS does not keep a copy of correspondence. My loans are being reported as 165 days days past due on XXXX XXXX, XXXX and today I was told they are 168 days past due. Each time I call the loans are past due for a different amount, a different number of days, despite making payments on time for my current payment amounts.. I have contacted this company trying desperately to resolve my account without success or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: ACS Education Services
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Currently my loans are being held by ACS Education Services. I have been in their IBR program since XXXX XXXX. I was divorced 2 years ago, married and filing separately with XXXX individuals living in the household ). Over the last 2 years, with some modest raises, my payments to ACS have DOUBLED and the payments are now becoming unsustainable. Before the ACS IBR payment increase this year I submitted paperwork to get my student loans removed from ACS to turned over to Federal Student Aid under the REPAYE program. ACS has assured me multiple times that all of my paperwork has been completed correctly, however it 's been over 4-1/2 months and they continue to tell me that they are " processing '' my request, while I am making an unsustainable monthly payments. I call them every two weeks to check on progress. I have been told that they have " expedited '' my request ( nothing happened ), and then called again in tears one month ago and asked if I needed to contact an attorney to get help with this matter. They immediately transferred me to a " supervisor '' who " opened an issue '' with my account and said she would personally and physically monitor my account each day. I called yesterday, after 3 weeks of not hearing anything, and was told curtly that my request is " still processing. '' I fear that nothing will happen and I am struggling to pay loans, take care of my child, pay my mortgage and condo fees. My credit score is dropping because I 've been using my credit card to make up some of the difference. I 'm scared and ACS ( owned by XXXX XXXX ) appears not to care how desperately I am trying to remain in good standing and repay my debt, but under a different program, the REPAYE plan that President XXXX established in XXXX. ACS says they do not " honor '' the PAYE and REPAYE programs which calculate payments that are 10 % of XXXX 's discretionary income vs. 15 % for the IBR plan. 

I have a great job by almost anyone 's standards, I managed to purchase a small condo this past year ( and pay less in a mortgage than I did in rent ), and I am taking care of a young child. But I am on the edge of failure because I am stuck in a precarious financial position. 

FYI, My loans are connected with education at XXXX and XXXX. My only complaint with the institutions are that they let an art student who had no parental support, access such large amounts of loans. I do n't think it 's their fault I borrowed an incredibly unrealistic amount of money for my education, but I 'm not sure they cared in the XXXX and XXXX how someone was going to pay back the loans. Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Sale of account

Complaint:
My Chase Credit card was 'charged off ' after Chase refused to allow me to make affordable payments or settle the balance after going through a horrible divorce. Then, without my knowledge the charged off debt was sold to a zombie entity that NEVER contacted me. In XX/XX/XXXX, one evening after arriving home from work, the Sheriff 's Dept showed up at my door with an order to seize my only asset, my XX/XX/XXXX XXXX! After trying to understand what the deputies were telling me through my hysteria, they apologized for what they felt should be illegal and told me to call an attorney ASAP! When I contacted the 'zombie company, whose contact info was on the order, they wanted me to pay them {$9000.00} on what was originally a {$3000.00} credit card debt! And so began an EXTREMELY STRESSFUL and expensive journey to retrieve my only means of transportation to and from work. The law firm that I retained had never seen anything like what had happened to me. All the documents had been inaccurately electronically filed by the zombie company, but went through the XXXX anyway. This ordeal has caused my health to suffer as well as my financial well-being. I was forced to immediately file bankruptcy, and am still struggling to recover from the whole ordeal. I am hoping that I might qualify for a refund for the unfair and VERY deceptive practices of Chase!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: VANGUARD FUNDING LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
At closing there was a point added on to my mortgage for {$2000.00}. They said that I signed for it, and that they have proof that I signed for it. A point or any cost of a point was never discussed during the process of the loan. Throughout the loan process I had issues with the online disclosures that were sent to me, and I could not download the documents. At that time the mortgage representative said that he could handle the electronic signing of the disclosures if I provided him with my passwords, which I did, on 2 separate occasions. I had to redo my password the second time. When the CD was ready last week, I was again unable to access the document to sign or look at it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-16
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
OUR MORTGAGE WAS PURCHASED OVER A YEAR AGO FROM XXXX. WE HAVE HAD NOTHING BUT PROBLEMS EVER SINCE. WE SEND LETTERS TO THE NEW SERVICING AGENT, GET CONLICTING ANWERS TO EVERY QUERY AND IT GOES ON AND ON. FIRST THEY CLAIM WE HAD NO HOMEOWNER 'S INSURANCE - SENT THEM PROOF AGAIN AND AGAIN. THEN THEY CLAIM THEY HAD TO PAY OUR TAXES AND NOW ARE TRYING TO CHARGE US MORE AND MORE EACH MONTH AS A MONTHLY MORTGAGE EXPENSE. IN ADDITION TO THIS FRAUDULENT INCREASE THEY ADD FINES AND FINES EVERY MONTH STATING WE ARE SHORT EACH MONTH. WE ALWAYS HAD AN ESCROW ACCOUNT WITH XXXX - WHERE DID THAT MONEY GO? I HAVE ASKED FOR PROOF FROM THE CURRENT LOAN SERVICER TO SEE WHAT ACTUALLY TRANSPIRED WITH THIS " ACQUISITION ''. PERHAPS THEIR AQUISITION DEPT. KNOWS NOT WHAT THEY DO? THEY NEVER RESPOND TO OUR QUESTIONS, HAVE CREATED SOME INSANE " NEGATIVE ESCROW SHORTAGE '' AND WE ARE SICK OF TRYING TO DEAL WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: BlueChip Financial
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
These people are not licensed to conduct usury interest rate business in the state of Ca. XXXX charge a Interest rate of over 800 % XXXX These people have taken advantage of my age XXXX, thinking that I would pay, this usury interest rate of 800 % or more, from my social security check. I can not pay that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: Capital Markets Cooporative, LLC
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a request on XXXX to have the PMI removed from my loan, since I am below 80 % LTV. I received a generic response about a week later, basically saying " we 'll get back to you '', but as of XXXX, still no answer. Since I went below 80 % LTV in XXXX, I 've made XXXX more mortgage payments including PMI.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: DriveTime
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I believe I was initially overcharged for my vehicle, it has since been repossessed because I lost my job & could no longer afford the payments.. The vehicle in question is a XXXX ... At the time I signed the contract on the vehicle I was desperate & really needed transportation for work, school & to take my kids to & from school ... I really believe the cost of the vehicle was over priced at {$8000.00} with interest the total came to {$12000.00} approximately.. The value of this car at that time I bought it was no more than {$1300.00}, current value approximately {$1000.00} Since the vehicle has been repossessed I have attempted to reach out to Drive Time multiple times with no success to discuss this matter. I just continue to get transferred around & told no one can help me or I 'm directed to call someone else.. I recently received I letter stating the vehicle was sold and I owe {$9700.00} for a vehicle that is only worth {$1000.00} per XXXX XXXX ... At {$160.00} biweekly payments I made for 7 months approximate cost out of my pocket {$2300.00}. I really feel this company has inflated the cost of the vehicle and are attempting to get XXXX times the amount for this vehicle from me & also from whoever they sold the vehicle to. I really feel I have been taken advantage of me as consumer ... I feel that without help from someone they will not sit down to discuss fair compensation I should pay for this vehicle, now that its no longer in my possession.. Can you please assist me with resolving this matter..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Ditech Financial LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On two separate occasions greentree/ditech has charged late fees for checks I mailed for payments on a mortgage. The checks were mailed in envelopes provided by the mortgage company ( ies ) and included the company invoice. The checks were not credited until welll over two weeks after they were mailed. This is certainly frustrating since other payments to other mortgage companies mailed at the same time were credited within a few days. Ditech must need to update their processing as they ca n't possibly be holding these checks without reason. 

Addtionally, they sent out a very confusing escrow account summary which is difficult to understand. The escrow payment now being charged is almost equal to the principal payment. Upon being questioned, they told me I would have to wait a year for a new reconciliation. This one I have does not explain the need for additional payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation