BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We received a final closing disclosure for our mortgage with JPMorgan Chase on XXXX XXXX, 2016, four days prior to our closing on XXXX XXXX, 2016. We noticed immediately that there was no line item for " State Mortgage Tax '' and subsequently no costs associated with it. We contacted our mortgage bank who could not immediately provide an explanation about the missing charge, but promised to look into it. On XXXX XXXX, 2016, less than 72 hours prior to our closing, we were issued another closing disclosure, this time including the " State Mortgage Tax '' with an associated cost of {$17000.00}. The reason we were issued this second disclosure, we were told, was to avoid any delays in the closing, with a promise that the discrepancy would be resolved at a future date. 

After our closing, we were issued an explanation that the first disclosure we received was actually a " draft '', and that the bank had purposely not included the " State Mortage Tax '' line item, and had for all intent and purposes planned to reissue another closing disclosure that would act as the " final '' disclosure. This struck us as odd since the there was no indication that the first disclosure was a " draft '' : there was no watermark indicating " draft '', " initial '', or " preliminary '' CD. Indeed, the very top of the document states " This form is a statement of final loan terms and closing costs '', giving us an assurance that this was truly our final closing disclosure. The supposed " draft '' and " final '' closing disclosures were actually exactly the same except for the " State Mortgage Tax '' line item. 

When questioned about this, Chase stated that a " draft '' CD is not a document that is typically provided to the borrower and it is watermarked " draft ''. They claimed that the first closing disclosure was an " initial '' disclosure, and the " final '' disclosure is provided at the closing table, and that there is nothing on a disclosure indicating that is it an " initial '' version. Additionally, Chase claimed that they did not need to technically re-issue the second closing disclosure until at the closing table, even though there was a discrepancy of {$17000.00}. 

After further questioning, Chase finally admitted that an error was made and that the " initial '' closing disclosure should never have been sent out. Even while admitting this error, Chase maintained they are not liable for the discrepancy. 

It is our understanding that mortgage taxes are XXXX tolerance line items that can not change from issuance of a closing disclosure to closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have freedom credit card from chase for more then half year and they told that I can increase limit on the card today I spoke with custome care represent XXXX even and he told me after 1 hour verification that congratulation your line encrees from XXXX to XXXX when I call back in one hour to check balance nothing happen nobody did anything. Our conversation was recordet and I need. Help to request this tape to prove that they promise and did n't deliver

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Before applying Chase Sapphire Reserve credit card at the branch, I had the Chase Private Banker to call the lending department to see if special consideration will be provided to Chase Private Client when the customer has opened many credit cards over the last 24 months. The lady from the lending department told the Chase Private Banker that special consideration will be provided to Chase Private Client but no guarantee of approval. Based on this piece of information, I decided to apply the credit card and it came back as a denial. When the Chase Private Banker called the lending department to request special reconsideration, then we were told special consideration for Chase Private Client was terminated XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My bank account was closed with no notification or no explanation as to why it was closed and it was a day after I misplaced my debit card. I was told I can not open a new account with said bank and the bank can no longer do business with me after an account review

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27
Company: Westlake Services, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
While buying a used vehicle for about {$8500.00} with a {$500.00} trade in and no money down the dealer came up with a contract financing with Westlake financial services. After they took my old vehicle and fixing a few thing on my new XXXX the salesman has me sign the financial paperwork that I agreed to as far as 9.9 % interest rate. As I looked through the paperwork I see a {$1500.00} banking fee added on to the loan total which ended up around {$12000.00}. I asked the salesman what it was and he answered it was normal. I did not like it at the time but I was in a position where it was to late to back out of the deal. So I signed. As I thought about it that banking fee seemed like a crooked way for a bank to not only get more money out of me and charge me interest in top of it. This deal took place in the spring of XXXX. I have since traded that vehicle for a different better vehicle in XXXX at a different dealership and asked them if they ever heard of a banking fee like that and their answer was it did n't sound legal to them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: MarkOne Holdings, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a vehicle about one year ago around XXXX ... .. I was sold a vehicle from a used car dealer named XXXX ... .. I gave them XXXX down for a 2008 XXXX XXXX .... What XXXX XXXX did not disclose was he had obtained an title loan on the vehicle ( FRAUD ) ... .... To make this long story shorter ... .. He never paid the title loan back & the car has a lien on the title but yet he was able to get me financed through Mark 1 Finincial ... .. Now from what I know now mark 1 should have did a title search to make sure title was free & clear ... .. I do n't know what they did but I am now paying a car note on a car that has a lien on it ... .. Mark 1 told me they would take care of the problem and to continue too make my payments on time ... ... That 's was about 4 or 5 months ago ... ... Last Tuesday they told me they would not be able to help me & that I would have to figure it out on my own ... ... It 's to my understanding now that whoever has the first lien on the car has all rights to the vehicle ... .. So that would mean the title loan company has the rights to the vehicle & mark 1 has none ... ... So I would like a full refund of my money I 've been paying the last 11 months ... ... They want me to pay off a loan for nothing ... ... They ca n't produce clear title if I pay off the vehicle

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I attempted to pay my credit card balance ( {$720.00} ) using the Chase XXXX app on Friday, XX/XX/XXXX. The first time I did so, the payment failed and the app told me to try again. I waited about 10 minutes, made the payment again, and it went through fine. However, I now have XXXX account transfers for {$720.00} out of my checking account. The payment has only been credited to my credit card account once, but I 'm out an extra {$720.00} ( I 've paid twice ) on my checking account. The first failed payment was still taken out of my checking account. 

I 've called Chase twice so far, and all they 've told me to do is wait until the " pending payment '' is rejected and credited back to my checking account. Apparently, the first failed payment was rejected and needs time to process. I was told to wait until XX/XX/XXXX for it to be returned to me. However, the payment is not pending from my checking account, it was already debited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-10
Company: Glasser and Glasser, PLC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Glasser and Glasser after court date and again in XX/XX/2016. Iexplain to rep that I could not payment a large payment they was requesting and was advised to make good faith paymrents would prevent further action. my hours were cut and I am struggling to work due to health issues along with I am caregiver for my mother. I was n't able to send anything for a 3 months and I sent XXXX pymt in XX/XX/XXXX. I have sent several letters to them over the past year asking for reduced payment arrangement and proof of balance. No one can provide detail of where this balance contained. I feel being served a wage garnishment in the mail and I called again today and told they ca n't set up payment arrangement for less than {$63.00} a month. If I had an extra {$63.00} I would be paying that. I am working approximately XXXX hours a week at XXXX an hour and odd jobs and i have sold numerous items. I have n't ran from them and they refuse to work with me instead taking legal action forcing me to be stressed out and feeling threatened. If they do take money from my checking or pay check it will cause my mother and I to go without medicines and food and no transportation for doctors appts or the few hours I am allowed to work. I owe the IRS, VA Taxation, Student Loans, Rent, car payment I am getting ready to lose, car insurance, etc etc. I have asmall craft business but I do n't have the funds to even by fabric to resell or pay for my XX/XX/XXXX license. I feel I will be forced into BK and I ca n't afford that either. I have XXXX dollars in a checking account and another overdrafted I am trying to pay before the IRS comes after me. I am the caregiver for my mother and the little funds I make mostly go to food and medicines. Can someone please ask them to work with me? I ca n't handle the pressure of them not working with me. I owe the debt I do beleive the amount is wrong from the beginning but no one will help me and I want to pay this as bad as they want me to. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: JPMORGAN CHASE & CO.
State: LA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
We did not reaffirm the mortgage of our home when we filed bankruptcy in XX/XX/XXXX. The bankruptcy was XXXX. Several months later, Chase Mortgage began contacting us. After telling them several times it was in a bankruptcy, I found out that Chase had not received the proper paperwork from my lawyer. The lawyer then faxed it to them. However, they continue to call even now in XX/XX/XXXX. Because I am a service member, they can not foreclose and end this. I do n't want a foreclosure on my record in addition to a bankruptcy anyway. I want to begin repairing my credit from the bankruptcy XXXX in XX/XX/XXXX but Chase has not cleared my account. There has also been a change of address to a XXXX entered with Chase by someone, neither me nor my ex-husband. Now, mail sent to that address is being returned to Chase as well. We suspect foul play there. Regardless, within the Chase company, there appears to be poor communication and practices. They are not making an effort to research documents sent to them and clear my account. As a servicemember, I will have to have a security check in the next 2 years ( checked every XXXX ) and an outstanding mortgage debt of this size for this may cause me to lose my security clearance,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agency ( NCC Business Services ) is actively reporting on my credit report a false debt, on behalf of a realty company ( XXXX XXXX XXXX XXXX ) that was used by my former landlord. Even after several attempts to resolve this issue, including letter from realty signed with balance due was {$560.00} ( before my payments of {$730.00} ), proof of deposit paid, original rental agreement ; they insist that client is firm on debt of {$6600.00} which included repairs charges never done to the house for {$4300.00} ( the house was not damage at all ), security deposit of XXXX ( they said I did not paid ) XXXX is trying to collect on a debt without a judgment and the property is not managed by them on the present time. They are aware of this but they still reporting to the credit bureau actively damaging my credit. 
XXXX XXXX has XXXX reviews that shows that I am not the only victim of this company practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/2017 CFPB : JPMChase contractor " XXXX '' took and refuses to return to me my XXXX ( XXXX ) Repurchase Agreement Materials, when JPMChase had acquired XXXX. I had never given permission to XXXX or any of its Successors or Assigns to break into any Homestead of mine and take my XXXX Repurchase Agreement Materials, in Violation of the Illinois Unclaimed Property Act. In connection with my XXXX Repurchase Agreement Materials, I have never waived any legal right of mine to own Property. 
I demand that JPMChase provide me all materials concerning its Contract with " XXXX '', including, but not limited to, true copies of the Contract ( s ), e-mails, telegrams, transcripts of telephone conversations, notes, appointment book pages, etc., in addition to returning all my FNBC Repurchase Agreement Materials. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received an XXXX rewards XXXX credit card issued by Chase that i did not request. When i called customer service i could not speak to a person without entering the credit card number. I do n't want this card and refuse to enter the number into their phone system in order to avoid activating the card. 
I can be contacted via email.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-18
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Credit card companies will permit people to open accounts online and apply for credit on line but they will not allow a person using the exact same credentials that they had to open the credit card on line to close it on line. Their instructions to cancel are misleading, they tell you to call in on an XXXX number however there is no choices on the message que to pick from to cancel. so you have to sit and listen to all the que and then wait for someone to finally pick up after you wait on hold for ever. Then they tell you that unless you are calling from the phone number on the account then you ca n't cancel of which you have to have information that you probably keep hidden somewhere else. closing an account should be as easy as opening an account and making it this difficult to close an account should be against consumer policies. If I an open it on line then I should have the exact same rights to close it just like I opened it with the exact same credentials. No wonder there is so much fraud out there. You make it so easy to open it and so difficult to close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
While reviewing my credit report I noticed Chase Bank was reporting on debt that I do not recall. Therefore on XXXX XXXX, 2016 I sent a validation letter requesting proof of the debt Chase claims I owe. They did not provide sufficient proof of the debt and it appears to be verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Lamont, Hanley & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Rec 'd a call at work from Lamont Hanley and Associates, for XXXX. I told them it is illegal to call me at work. XXXX ext XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Nelnet, Inc.
State: TX
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:
I spoke with a representative with NELNET in regards to eleven " Late 120 days '' accounts currently being reported to credit bureaus in the amount of {$0.00} past due. She stated that my account has not been with NELNET since XX/XX/XXXX, however they are still going to report late payments for the next 7 years. It is XX/XX/XXXX and I am being penalized for consolidating my loans with a different servicing company. This is extremely unethical and unfair for someone who is paying their student loans on time monthly but is still being reported for a XXXX balance, for XXXX separate accounts, by a company who no longer has access to your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
EMC violated my rights and was in violation of a XX/XX/XXXX FTC settlement which I was excluded from, and should have been compensated under as I was a customer since XX/XX/XXXX. EMC submitted a altered payment history to the United States Bankruptcy XXXX which they asserted was true. See PDF entitled Falsereportingbk court attached herein. This payment history was false and altered and did not represent what I was actually charged it was also a direct contradiction to actual mortgage statements. They led the court to believe I was charged less when in fact actual Mortgage statements clearly show I was charged more. The same interest rate can not bare XXXX separate figures. This is a crime, they knew they recreated the accounting of my history. This is a crime and had an adverse affect on the judges decision as he believed what was reported to him. EMC submitted a response to the court on XXXX/XXXX/XXXX that they also asserted this was a true and accurate accounting of my payment history See PDF XXXX XXXX again my rights were violated when EMC falsely asserted they had only been paid {$11000.00} by the trustee which was untrue, and under calculated misleading the court by {$3200.00} See actual trustee report on XXXX of XXXX showing the amount I had paid was {$14000.00}. There have been XXXX RESPA request done on my behalf by XXXX separate attorneys both enclosed stating EMC provided a history they could not understand. The same money EMC claims I owed was refunded but not calculated properly with EMC claiming my escrow history is accurate IT IS NOT all you need is a calculator see complete escrow history XXXX. Furthermore the payment history submitted to the courts omits XX/XX/XXXX and XX/XX/XXXX were over {$2000.00} was paid to them their history was not complete. see the ACTUAL document submitted to the court starting the history at XX/XX/XXXX in PDF extorresponse

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Alorica Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have an account on my credit report from XXXX XXXX XXXX with XXXX. The account is closed and paid off. When I paid it off I was told the account information would be deleted but it is still there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: JPMORGAN CHASE & CO.
State: KS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I built a house in XXXX when the house was finshed I received a mortgage with XXXX XXXX Bank which sold my loan to Washington Mutual. Which filed for bankruptcy I 'm not sure of the date of the bankruptcy filing but at XXXX/XXXX/XXXX my balance on my mortgage was XXXX. Not sure of the date but Washington Mutual was ether sold or given to Chase on XXXX/XXXX/XXXX the balance on our mortgage was XXXX do n't know the exact dates we have been told are home is going to be forclosed on sold on the steps of the steps of the court house for not paying are taxe 's all the time we had over {$12000.00} in our escrow account.On appox. XXXX XXXX Chase sold our mortgage to XXXX with a balance of XXXX on XXXX/XXXX/XXXX they gave us a loan modification 4.25 % for 40 years I would be XXXX and my wife would be XXXX XXXX XXXX. We went to our local bank were we have been banking for over 20 years were given a very good loan at 5.5 % for 15 years XXXX said our payoff on our mortgage was XXXX. I been paying on this loan for 20 years and owe more on it then when I frist took it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance {$270.00}.

Company response to consumer: Closed with explanation