BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-11
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, I booked a hotel room through a website called XXXX. The website operates like traditional sites such as XXXX, XXXX, XXXX. The only difference is that after completing a booking through XXXX, the website will then credit airline miles to the airline of choice that a customer has specified. 

On XXXX XXXX, I booked a XXXX night reservation through XXXX for a stay at a hotel called XXXX by XXXX. I paid {$190.00} for the reservation and was told by XXXX that I would receive XXXX XXXX XXXX miles upon completion. XXXX for the reservation, XXXX as a bonus, and XXXX from a referral. 

However, apparently the site has a condition that in order to receive the miles, it had to be a first time booking. The problem is that this was not communicated to me before or even after making the reservation. Instead, it appeared that the XXXX miles would be credited upon completion but it never happened. After completing my stay on XXXX XXXX, 2015, XXXX only credited my account with XXXX miles instead of the promised XXXX miles. 

I paid for the reservation using my Chase XXXX card and recently called Chase to ask for a chargeback. After explaining the situation, Chase informed me that they " do n't deal with miles. '' They said that since I was able to stay in the hotel there is nothing they can do. 

I feel very ripped off here. I could have booked the hotel through other sites for which I could have gotten better prices and/or discounts such as XXXX, XXXX, XXXX, XXXX. Instead, I booked through XXXX which clearly stated I would receive XXXX XXXX XXXX miles after the hotel completion. 

XXXX failed to deliver on this expectation and as such I expect Chase to refund the money owed to my credit card. 

FYI, I 'm also attaching a snapshot of the completed reservation, purchase price, and that XXXX miles should have been credited. It shows XXXX instead of XXXX because XXXX was from an account referral that was also promised and XXXX again failed to deliver.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Nelnet reported my student loans as delinquent, when in reality, my university ( University XXXX ) failed to report my enrollment correctly, resulting in over XXXX negative marks on my credit score. Nelnet claims that my Enrollment Certificate is not enough to prove my enrollment for debt purposes, and though the fine print of the document says 'This document should not be used for loan deferment verification purposes ', I believe this is not an issue of deferment, rather it is proof that my loans should never have been due in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I paid {$980.00} for a website, logo, & web hosting on XXXX/XXXX/XXXX on my Chase Visa card. I indicated that I wanted the website online by XXXX XXXX. XXXX agreed. I made repeated requests to XXXX to see the website, even if it was unfinished. Those requests were repeatedly denied and ignored, verbally and via email. After emailing, calling and texting XXXX for a week, I decided to terminate the business relationship on XXXX/XXXX/XXXX. I did a charge back with CHASE Visa for {$980.00}. Days later, I reached a settlement with XXXX where I would pay {$360.00} for XXXX to finish the logo ( unfinished at time of termination ) and for web hosting ( completed at time of termination ). I indicated that I would not pay for a website I had never seen, despite repeated demands to see an intermediary or final website product. XXXX agreed. Months later, CHASE Visa ruled in favor of XXXX and sent the {$980.00} back to XXXX, explaining that XXXX proved work had been done on the website. XXXX and I both know that a website has never been produced or delivered to me as the paying client. I did n't pay money for XXXX to allegedly work on a project and never deliver a final product. I, the paying customer, have never seen any work that was allegedly done on the website from XXXX XXXX to XXXX XXXX. There is no signed contract for this agreement to provide services. XXXX has been unjustly enriched to my detriment and Chase facilitated this fraud by returning my funds to XXXX, who failed to deliver the agreed upon service and product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
My name is and I find that Amazon.com Rewards card billing practices are deceitful and confusing. I contacted the company in the middle of XXXX to notified CHASE that I lost my wallet and as a courtesy would they please cancel the late charge and I would make both payments in XX/XX/XXXX. I was told by the customer service representative in XXXX that this information would be included in my account and I would not be charged the late fee. I recently made a {$60.00} payment in XXXX and was given and overcharged {$25.00} for not including {$4.00} in the in the {$60.00} payment. I 'm now paying a {$35.00} late fee for {$4.00}. This is usury and I can not afford this payment. I called Amazon Chase XXXX/XXXX/2016 and explained this to XXXX who only brushed me off and continued to insist that I pay the {$35.00} late fee. I was cancelled out of XXXX late fee only to be billed with another XXXX. I think this is not fair and of un sound business practices. Please help me because Amazon Chase is tryin to rip me off. My account number ends in XXXX. Thank you very much for your help! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Thank you for taking time to review my issue. 

I purchased XXXX tickets for an XXXX WEEKEND EVENT EACH WERE {$590.00} before taxes. Included in the cost were XXXX gift bags valued at {$400.00} each ( XXXX for each ticket ). At the event they ran out of gift bags and I was told to email the merchant to have them mailed. 
As instructed, I did as such and to date have not received any gift bags. 
The merchant emailed me back to say they would send it, but never did, and stopped returning my emails ( please see attached document ) NEXT, I took action through my bank and filed a dispute with Chase. 
I had to reopen the dispute several times. The last decision for my request for {$800.00} back of the approx {$1200.00} I paid was denied. I was told the bank " could not get the funds back, and they agreed that this charge was valid. This is fraud, and the merchant did not do as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have my accounts with JP Morgan Chase for 4 1/2 years. I was driving to see my daughter and new granddaughter a week ago from XXXX, XXXX to XXXX and I stopped in XXXX, XXXX to get gas. None of my cards worked. I called my branch because I know them all and they know me and are very nice to me. The branch manager, XXXX, tried helping me. We were on the phone for 4 hours trying to get me money to continue on my journey. I missed my daughters baby homecoming. I missed the party on the XXXX for the baby. For no reason they closed all my accounts. What did my children do to deserve their high school checking accounts to be closed????? I did nothing either. There is no reasonable explanation as to why they closed my accounts. Shame on JP Morgan Chase, XXXX. I am starting a class action lawsuit for damages and pain they caused me and my children and I am taking this to the media and social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
I recently applied for a Chase SLATE card : XXXX, for the purpose of a balance transfer from another card. I was approved and received my card, and with it came a letter saying that while the card was approved and active, my balance transfer was rejected because they do n't do transfers from Chase accounts to another Chase account. This was nowhere in the description on the above link, nor is it in the Offer Details. The only place this information appears is if you click through to pricing and terms : XXXX. This is absurd. A lot of people have Chase cards, so this is a major limitation, and yet it 's hidden in the terms and not mentioned upfront. I also am upset that when applying, I put in the account information that I wanted to transfer a balance from, it did n't alert me that a Chase account would be rejected. If it had, I would n't have applied for the card. Now I have a card I am not going to use, that will hurt my credit to cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
About two and a half years ago I cancelled a Visa card that I got through XXXX, the online marketer of out door clothing and equipment. I notified the Bank ofAmerica that I was closing my account. I received my balance and payed offthe balance. The account was closed. The next day they received an invoicefrom XXXX, my insurance carrier for sixty years. It was for my monthly insurance payment. They opened my account and payed XXXX something over {$100.00}. WhenI received a monthly bill from Visa/B OF A for the amount XXXX had requested. 
There were several phone conversations between the XXXX parties. I finally paidthe XXXX claim to Visa. By the time all was done, it had passed the Visa paymentperiod and they charged me {$35.00} for a late fee. I refused to pay because myaccount was closed and opened again to accommodate XXXX, so said B of A. 
Even though the account was closed, they kept charging me {$35.00} per month inlate fees for not paying their original late fee. At about the {$200.00} level I talked toa supervisor who told me the bank would continue to charge me monthly, until I reached the level where they would charge off my account and sell my account to a credit chaser. She said they did this to charge off the very high profits they made in the commercial part of the bank. As stated, at $ XXXX sold my account. I received a call from a very nice lady trying to work out a payment schedule. She said her company had purchased my account. I told herthat there were no products or service, that it was all fraud by B of A to reducetheir income tax bill. I could hear her writing in the background, she was mad as hell. Apparently, B of A had taken the account back because they have sentdefault/ no pay notices to all three credit agencies for 30 months. My credit number has gone from XXXX to about XXXX now. It has been as low as XXXX! 

ALL OF THIS PAIN FOR ME WAS FOR B OF A TO COMMIT A FRAUD AGAINST THE IRS. THE SUPERVISOR TOLD ME THIS WAS A COMMON PRACTICE. I AM XXXXYEARS OLD AND HAVE NEVER HAD A CREDIT PROBLEM IN MY LIFE. 

XXXX XXXX XXXX, The credit agency provided me no documentation of their investigation. 
If you get a routine credit report, all the bad marks will show. The last time Isaw it was about six months ago. I was paying XXXX to monthly send me myrating number and delinquent account report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
During the past year, I suffered illness, a XXXX, and XXXX, therefore, I was unable to respond to Bank of America, XXXX XXXX XXXX and XXXX and XXXX their attorneys. 
From years XXXX to XXXX, we have filed numerous notice of errors, qualified written request and complaints to Bank of America and XXXX XXXX XXXX, regarding the error made when posting the taxes and insurance on XXXX XXXX, XXXX, the amounts posted in connection with the implementation of the Loan Modification Agreement on XXXX XXXX, XXXX. Both Bank of America and XXXX XXXX XXXX have neglected to correct the escrow errors. The most recent complaint was filed with Consumer Financial Protection Bureau. 
On XXXX XXXX, XXXX, Bank of America posted {$7000.00} instead of {$8900.00} listed in the XXXX XXXX, XXXX, letter and the Loan Modification Clarity Commitment. ( XXXX of Transaction History faxed from Bank of America ) ( See Exhibit B, Loan Modification Clarity Statement dated, XXXX XXXX, XXXX ) ( See Exhibit C, Response from Blank and XXXX for Bank of America and XXXX XXXX XXXX dated, XXXX XXXX. XXXX ). 
My most recent response via the Consumer Financial Protection Bureau, dated XXXX XXXX, XXXX, from Bank of America 's Attorneys XXXX stated on Page XXXX, paragraphs XXXX and XXXX state the following : " Regarding your claims related to escrow account error and misapplied payments please be advised Bank of America is unable to investigate the majority of these claims, as the exhibits were not provided with the letter ... .Further, the majority of these claims are vague, conclusory, and unsupported. '' " The letter claims that a letter dated XXXX XXXX, XXXX, was received regarding the payment of taxes and insurance in the amount of {$8900.00}. Please be advised Bank of America is unable to locate such correspondence, and the Payment History does not reflect such payment ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Had student loan and was in good standing and was just checking my credit and noticed it was past due no notifications or nothing and they sold the debt without my knowledge and also place XXXX bad debts on my credit. Company does keep good records because I 've tried calling no luck. Please help me it 's messing my life up. Can get approve for nothing do n't know who has the loans just know it 's been sold without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Navient Solutions, LLC.
State: FL
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:
XXXX XXXX XXXX in XXXX XXXX, FL lied to my face about having to take out private student loans to finish my degree. Private loans were never mentioned one single time by anyone at this school, they would just tell me I needed to fill out my loan paperwork otherwise I would not be able to continue my education and would be kicked out. Only after I graduated and started repayment did I find out that about XXXX % of the loans taken out in my name were high interest private loans. If I would have known this from the very beginning I most likely would never have signed the enrollment agreement and attended this school. They committed predatory lending on a huge scale and have scammed thousands and thousands of young people who were straight out of high school and did n't know any better. They have ruined many kids financial futures. I am XXXX years old now and still struggling with the mistake of attending XXXX XXXX when I was XXXX. XXXX XXXX is being sued by over a dozen attorney 's general for their shady practices, the CFPB for predatory lending and the SEC for fraud. If you look up XXXX XXXX 's reputation on XXXX you will see that they are a complete scam and many people 's lives are ruined because of them. My campus in XXXX XXXX, FL has been consolidated with the campus in XXXX due to their plummeting stock price and decreased enrollments quarter after quarter. This company is sinking and their predatory lending and illegal practices is what caused it. These fraudulent and predatory loans are backed by USA Funds , Inc. I have used {$6500.00} of inheritance money from my dead grandmother to pay these loans down and it is the only reason why I 've paid down the principal balance to any reasonable level. These loans are complete fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I attempted to get a loan modification or forbearance from Bank of America and they denied any assistance despite the fact that I was unemployed. In addition, I ask for a forbearance and they told me that I needed to start a new process for forbearance despite the fact that I had given them every document possible. They have been very uncooperative and have shown no desire to work with me to resolve the matter. Bank of America seem intent on foreclosure as opposed to working with consumers and they are doing this despite 10 years of consistent payments and an outrageous interest rate. Their tactics are predatory in nature.

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 2015-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I had requested a home equity line of credit in XX/XX/XXXX and were approved for {$15000.00}. We finally stopped using the line of credit in XX/XX/XXXX, and we have been requesting a summary of the payments and charges and have been given the run around. We feel that we have paid the line of credit off already.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-25
Company: Navient Solutions, LLC.
State: NY
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 private student loan is with Navient and I had an deferment status. Before my deferment was finish I consolidated all my loans.the company reporting to the credit agencies that my account is being pay as agreed and closed. Navient is th still reporting that my payments are 30,60, to 90 days late. I have contacted them by phone, e-mail, and mail for the past seven month to correct the reporting and they refused to. They kept giving me the run around and providing me with contact to other department that can not resolve the issue. They provided me with phone numbers, e-mail, and mailing address, but they all led me to a dead end. I tried to mediate the issue with them with the contact information I was given but Navient still refused to update my credit reporting and their refusal has hurt my credit score and kept me from getting a loan to purchase my home. It also cause me to pay more for services, rental, insurance, and other services that verify credit for favorable rate. Their customer service representative refused to give me the contact information to the department that does the reporting. They told me I have to mail them ; which I did but I never get a reply back and they continues to report my account being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for Covid 19 payment relief last year. Wells Fargo assisted with that. However, after coming out of forbearance, Wells Fargo explains that there are two options : repay the debt OR they will move the payments to the end of the loan. No where in that explanation on their website or during the conversations does it say they are going to place a second lien on my home. I will say that I signed paperwork that had the second company 's information on it. However, I have no idea what that information translates to and I find it infuriating that Wells Fargo simply stated " the balance will be moved to the end of your loan '' and not that a second lien will be placed on your property. That information is too vital to leave out. Failure to include that is negligent. Now I am in the middle of a refinance and I can not proceed until this amount is paid in full. 

I understand my responsibility as a homeowner. However, I have a limited understanding of these terms which is why I asked what my options were and I did ask questions. I knew the life of my loan would be extended, I knew I might pay more interest, and I was okay with that. But I knew nothing about a second lien and nothing about not being able to refinance. That should have been explained to me. That was the responsibility of Wells Fargo and they failed. 

This feels deliberate. They withheld information. This is a pandemic and I have no idea if I will be able to come up with the funds to pay for this, which is why I chose this option in this first place. Now I can't refinance with a different company. Why else would they fail to explain to people, upfront, the second lien that HAS TO BE PAID before refinancing can take place? This should be a signed document that people have to read and acknowledge they understand. A second lien is being placed on your home. This is the company you contact regarding your second lien. This amount must be paid in full before refinancing can take place. FYI, this is based on the type of loan that you refinance with but still. I should have been told.

Wells Fargo is a corporation so they do not have to face consequences. EVER. It is absolutely ridiculous that they can outright LIE and no one holds them accountable. Omitting the truth is lying. They are not moving the balance of people 's Covid relief to the end of their loan. They are selling their debts and placing second liens on their homes but that is not what their website says and that is not what they tell you when you call them.

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 2015-07-24
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In XX/XX/XXXX I notified Amsher Collection Services ( ACS ) that their collection was not valid. I was never a patient at XXXX XXXX XXXX in XX/XX/XXXX, and requested they produce evidence, i.e. any document with my signature or any medical records with my name. I disputed this with the credit bureaus. Result was that the ACS refused to produce any evidence of my debt, re-aged the debt to the date that I protested it, refused to remove it from my credit report, and have not bothered to report again in over six years. It is now passed the statutory limit for collection and I want it completely removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation