BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-06
Company: JPMORGAN CHASE & CO.
State: KS
Product: Credit card
Issue: Other

Complaint:
I had used Chase credit cards since I was XXXX years old, always paying them in full. I had identity theft in XXXX XXXX, 2014 and from then on, I was issued the XXXX cards that I use more frequently with chips in them. XXXX was a Chase Freedom and the other was a Chase XXXX XXXX. Shortly after I would receive the card, there would be a charge in XXXX XXXX, California for a nominal amount and an alert sent to me to contact them if this was not my charge, so I would. But, I had all kinds of surrounding situational stress re : my ability to check cards online and other issues related to both the identity theft ( which happened through an exposed apple id keychain which had bank account passwords ... .there were subsequently transfers from my accounts of {$66000.00} XXXX. So, there were two times in which I thought I had lost the card and it was replaced, but XXXX did n't have a chip and the next XXXX did. And, they would consistently have these charges for several dollars XXXX. 

I wo n't get into the reasons as they are related, but I had to go XXXX to be able to do any work online ( leave my home workspace and this ISP ) and my mailbox with the card I had requested a month ago and never received was then vandalized. When I returned and this card finally showed up XXXX I 'm presuming due to mail cover XXXX it had the same XXXX XXXX charges and it did have the chip. I finally just terminated the card, but I now can not get any credit card from Chase. And, I have had the Chase XXXX XXXX card and paid in good standing now for 18 months yet they do n't report this XXXX as an open line of credit in good standing. Because of all of this and being advised to close open credit cards after the identity theft, my XXXX has gone from XXXX to now below XXXX and I can not get a credit card for Chase or practically anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
For the past 6 months I have received notices from Chase Mortgage Loss Litigation willing to give me assistance on my mortgage loan account number XXXX. I contacted Chase Mortgage to ask them to cease from sending me letters that I was not behind on my mortgage I was current. After speaking with the representative informed me their were no reason for me to have gotten those collection letters. I told them I did not want to look high risk for a trigger for my loan to be transfer for servicing or sold. My loan has been in good standing for one year now and there should not had been a trigger for my loan to look as if I was a high risk to foreclosure. Well because of this erroneous collection practice my loan as been transferred or sold the loan servicing rights. That 's not fair and I do not want my loan to be transferred for this reason. Please see attachments. I am not in foreclosure and am not behind on my mortgage for this property. Please avoid trigger to loan servicing. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I purchased XXXX cashier 's checks at chase bank with cash. my account became overdrawn. Chase contacted the Payees and told them the check were fraudulent and would not clear as they placed a stop payment on them. Chase damaged my reputation with the vendors. They did not contact me I contacted them to ask why they told a car dealer to seize my car I just bought. The checks were bought by me for cash at Chase. I made a deposit in my account with an insurance check. the check was placed on hold, I had no reason to believe there would be an issue with a check from a major insurance company. When the funds cleared I withdrew the cash and bought the Cashier 's checks. XXXX XXXX in collections told me she told the dealer to seize my car because the check I deposited in my account was not collected. She also told me the money I withdrew was no good even though it was available. She said she was trying to mitigate any losses to Chase. If this was a collection effort it was collectable with me, not a payee. Any dispute was between CHASE and I not Chase and the payee. They had no right to contact to payee to collect anything. This matter should have been addressed to me. XXXX XXXX at Chase lied to XXXX XXXX and told them I made the check instead of purchasing it. I have attached a copy of the withdrawal slip, proving I withdrew the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: Convergent Resources, Inc.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For approximately 1 month I have been receiving phone calls from a company called Convergent Outsourcing ( www.convergentusa.com ). They tell me they are trying to reach XXXX ( XXXX? ) XXXX. I have told them every time that I do not know XXXX XXXX, and that I have had this phone number for 2 1/2 years. Every time I have received a phone call from this company I have told them to take my number out of their system as it is clearly a wrong number, and every time they have told me that they will comply. However, I am still getting phone calls. The most recent time I requested to be taken out of the system was yesterday ( XXXX/XXXX/16 ). After I told the person on the phone to remove me from the system, I went onto their website and filled out a form to request for them to stop calling me. Apparently neither of those methods worked because they called me again today. I called them back and again told them to remove my number from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: Shellpoint Partners, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I initiated a Deed In Lieu foreclosure in or around XXXX XXXX. As per guidelines, I listed the house for sale for a period of more than 6 months. At the time, we were not given an offer. In or around XXXX XXXX, we proceeded with Deed In Lieu paperwork. As time went on, I would receive letters that required notarized signatures. Around XXXX XXXX, during a routine call, I asked the Loan specialist when would the final judgment be declared. She said all paperwork and final cancellation of loan should occur around the end of XXXX XXXX to the beginning of XXXX XXXX. In XXXX XXXX, I called and asked for a status on the loan. She informed me the paperwork was " at the clerk of court for XXXX county ( parish ) awaiting title clearance for house. '' For four months, I called every other week and received the same response. 
On XXXX XXXX, XXXX, I spoke with loan specialist supervisor. He explained about a problem shellpoint had with the third party law firm that was contracted to finalize the paperwork. I was told that the law firm sent the paperwork and a check to pay off all outstanding taxes to the clerk of court and that it was {$25.00} short. The clerk sent all paperwork back to the law firm. During this time, that law firm closed down. A new law firm was contracted and was attempting to find all lost paperwork from original firm for more than 2 months. At that time, he said he would start new paperwork that would have to be resigned and notarized again. If old paperwork was not found, the new paperwork would take an additional 2 months to get finalized. I asked if, after all paperwork was completed, that my credit would reflect any past due amounts ending in or around XXXX XXXX due to the fact that the error and delay were on the part of Shell points vendor and not because of myself or my wife, the cosigner. He said he would call me back after paperwork was completed and speak about it. 
By XXXX XXXX, I received word that the Deed In Lieu was approved and finalized and would reflect on my credit file within 30-60 days. I asked about showing past due payments only to XXXX XXXX and was told they would look into it. 
Around the end of XXXX I received notice of a credit change on file. I saw XXXX and others showed past due payments to XXXX XXXX. I have since tried to call the loan specialist and supervisor and left several voicemails with no answer back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I submitted through JPMorgan Chase a request to pay XXXX XXXX {$20.00} on XXXX XXXX. This request was made through my checking account using online billpay. I have previously made 4 payments to XXXX over the last year and half as he is my newspaper carrier. The address it is sent to is in the city I reside. There has never been a problem until now. On XXXX XXXX I received a notice from Chase saying they had the payment under review for XXXX and would not process until I provided his name, address ( both which they had ) Date of birth, place of birth and nationality. I explained I had no info and he was my newspaper carrier and wanted to know why after paying him for 1.5 years {$20.00} every 4 months this was necessary as I was authorizing this payment and it was being sent XXXX miles from my house as he provided me a service ( delivering me a newspaper ) again no answer was forthcoming and no payment has been sent. I have called Chase 4 timesand received NO satisfaction. I understand the need to guard against money laundering but this is overboard - a repeating minimal payment I 'm authorizing and have authorized in the past which were processed without a problem sent locally feels like Chase is either incompetent or engaging XXXX profiling. I am filing this complaint because I received no answers from Chase after multiple calls and a visit to the branch - the local XXXX, Ca branch attempted to be helpful but were stymied by corporate. Since I have received no satisfaction from Chase regarding this I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Dear CFPB - I submitted a complaint in XXXX 2016 XXXX XXXX ) and disputed it. I have yet to get a response from Chase on the dispute. I have now received yet another bill even though my dispute has not be replied to. I am now starting another complaint so I can try to get this resolved. 

I have been told Chase is willing to waive the drill fee ( {$150.00} ) and any past due charges ( currently {$74.00} ). When I originally called the XXXX XXXX branch I never received return calls. After seeing the poor customer service I have received from this branch I will not take the time to drive all the way to get this resolved. 

In my original complaint ( XXXX ) I was told 'we are unable to remove you from the XXXX. The only option available is to drill the XXXX and close it out. I need to ensure they can do this without me having to go all the way into this branch. I no longer live in the area. If they can not do that I must have a have a letter stating this is how it will be handled as, again, I have no faith that the branch will be able to handle this. 

Please advise. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan is being serviced by XXXX XXXX who did an escrow analysis and I have a shortage in my escrow account. XX/XX/XXXX when my loan was being serviced by Chase, Chase paid the wrong tax bill and admitted in a phone call that was the case and that they would investigate -- Its been over a month and I have not heard back. So, in XX/XX/XXXX XXXX paid two years of taxes causing a shortage in my escrow account. I filed a previous complaint against XXXX, but XXXX is claiming no liability and pointing the finger at Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Fraud was committed to my account months ago through my card with Capital One, charges being made to XXXX XXXX. THe company requested information which I have provided to them to insure that it is me. I wanted to of course, get the card reinstated. The wo n't accept the information which is clearly correct. They claim it is a copy of a copy and they wo n't accept it. I 've had enough of the harassing and phone calls and if they ca n't accept the only things that I can provide which are indeed the right things, then I asked them to please cancel my card so that my risk of exposure for a card I ca n't even use that could cause a credit problem or more identity problems. They are refusing to close out my account or reactivate it even though I 've provided legitimate documents proving that it is me. I 'm asking for help to get this account closed and lessen my exposure top more fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
This letter is to remedy a problem I am having associated with an old marital property. the I was divorced in XX/XX/XXXX from my ex-husband. In our divorce decree, my ex-husband was awarded the property and I signed a quitclaim over for this property, filed bankruptcy in XXXX XX/XX/XXXX with it being discharged in XXXX XX/XX/XXXX. In XX/XX/XXXX I purchased a new home and attempted to refinance the home in XX/XX/XXXX only to be advised that a negative " hit '' was placed in the XXXX system stating I had foreclosed on a loan which is untrue. My ex-husband continued paying on the loan and from according to records I have been able to ascertain, he allowed the home to go into foreclosure and signed a deed in lieu of foreclosure. I do n't understand why I 'm being affected with him. If I had known that I would still be held liable for this I would have preferred to have attempted a short sale. I never signed a deed in lieu so how would it be valid. Was my signature forged? If you say that it was n't my property and my signature was not needed then how can you report me to the XXXX system as being held liable for property that was not mine. It seems as though it can not be both ways. I have had no affiliations with this property since the divorce and this is hindering me and I 'm looking for Chase to assist me. I have attached copies of the quitclaim and divorce decree which took place prior to the foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received a check from Bank of America for a residual balance on a closed account. Inadvertently, I cashed this check, which was beyond the " Void after 120 days. '' Initially the check was paid to my account. Then, the amount of the check, {$14.00}, was removed from my account, and I was imposed a {$12.00} returned item fee. In general, I find Bank of America 's fees to be deceptive as they are not clearly advertised, yet they are imposed frequently. I find the returned item fee of {$12.00} to be unfair as it is Bank of America who owes the {$14.00}. It is predatory to not only keep my money once the check is void, but then to charge me {$12.00} when I try to claim the money that is mine.

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 monetary relief
Consumer complaint received 2021-03-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent my recent payment to NewRez on/about XX/XX/2021. Normal processing indicates that the payment should have been processed on/about XX/XX/2021.The payment appears to have been processed on/about XX/XX/2021. I did not identify the mailed payment by way of a certified mail or by way of registered letter. Therefore I can not speak specifically to delay in payment processing or to delay in U S Postal Service handling.

I plan to submit future payments by way of certified mail. I shall file future complaints if NewRez is in fact slow in payment processing or if the U S Postal Service is untimely in its service pattern.

I would like for CFPB to determine if the U S Postal Service is maintaining timely delivery to the NewRez address in XXXX, OH XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We started a home refinance through Chase in XXXX 2016. Our file and emails and messages were grossly neglected throughout our application, sometimes taking weeks for them to get back to our multiple messages. They kept wanting to change the terms towards the end. 5 months after starting our application, after multiple complaints that finally reached the most senior banker we could reach, we were given a guarantee in an email by that senior banker that they will honor the deal they had promised from the beginning. This email did not have any disclaimer or any conditions to the guarantee we were given, since I am a professional with a fairly straightforward case. In the end, we received our final closing disclaimer last week before closing of the loan which was much different than what we were promised. After sending en email to everyone we had been in contact complaining about this, we were again ignored, like multiple times throughout our application. Our closing was supposed to be today, and nobody has even gotten back to us regarding this. Everything has been approved by the underwriters without any further conditions. We have provided everything they have asked from us within 1 business day and we keep encountering gross negligence in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Just wanted to make you aware of what Chase has been doing every now and then on their mortgage billing. Just this month I rec 'd the monthly bill due on XXXX/XXXX/16 and XXXX it as I always do on XXXX/XXXX/16. Chase rec 'd it on XXXX and yet sent out another duplicate billing notice I rec 'd today on XXXX. I 've complained to them before about this practice but it 's still occurring. It worries me because there are a lot of elderly people out there who may be getting these duplicate bills and paying them twice -- a little suspicious this happens from time to time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
J.P.Morgan Chase bank, in XXXX XXXX, California, has repeatedly denied me access to my funds deposited in my XXXX XXXX XXXX from Social Security SSI. I have not been able to pay my rent, etc. I am XXXX, elderly and XXXX, having recently left the hospital. I no longer drive, so a trip to the bank is a big deal for me. To be in line, then being served, asking for a cash advance, and having " denied '' announced in front of everyone is extremely embarrassing. This has happened repeatedly. The teller told me, the last time, that the problem will not be fixed until XX/XX/XXXX, she did n't know a date. I do n't know which bank to go to, where I can make a smooth, uncomplicated transaction. I had over {$1500.00} on my card, not being able to get funds last month either. The second problem is that XXXX XXXX XXXX XXXX no longer allows a card holder to speak to a representative, to tell them about a problem..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
ON XXXX XXXX 2016 I STARTED A REFINANCE APP WITH MY MORTGAGE CO. CHASE I HAVE BEEN STRUNG ALONG WAS APPROVED AND INTO CLOSING STILL NOTHING I WAS TAKEN OFF THIER WEBSITE NO RESPONSE FROM ANYONE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-20
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:
I am fining a complaint against resurgent capital due to trying to collect on a loan that was token out due to identity theft. I filed an identity theft report and faxed it to them and they still have not resolved matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: JPMORGAN CHASE & CO.
State: MA
Product: Credit card
Issue: Bankruptcy

Complaint:
A couple of years ago XXXX called me about getting discovered and getting famous. I was excited and my dad set up an appointment with them. It seemed so real but it was a major scam. They asked for over XXXX dollars for a photo shoot. I did not get my photos and I still have all the contracts and receipts of all the transactions. I want my money back basically.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card
Issue: Late fee

Complaint:
I applied for a Chase United Club card and received an e-mail XX/XX/XXXX saying it was approved but I never got the card. I called Chase and they said wouls send another which I also never received. I then got a bill for the club fee yet had no credit card. I called Chase again and they said they 'd send another card which I asked be sent to my office. I was away on a business trip and just received the car this past week on XXXX XXXX. I activated the card on XX/XX/XXXX and found out that a late fee had been charged to an account that had not been activated, which does n't seem fair. I called Chase and they said they 'd remove the fee but it would take 2 days. When I logged onto the account 2 days later to pay the bill for the club fee, I found out the account had been closed.

Company response to consumer: Closed with explanation