BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I wrote a check in the amount of {$1500.00} to a business ( with a business name ) in XXXX Texas on XXXX/XXXX/XXXX. The check was stolen and deposited into someone 's personal account at XXXX XXXX. It was not endorsed by the payee but instead signed by an individual. Yet Chase bank ( my bank and the payee 's bank ) honored the check anyway, took the money from my account, and paid the individual that was not the payee. 

I learned of this the following day and notified Chase bank. They required me to fill out and submit an affidavit. Which I did immediately. Months passed and I followed up every week, then In XXXX XXXX Chase requested and affidavit from the Payee. That was done immediately. 

Since then I have gotten the runaround, and still my money has not been returned. I have supported their efforts to find the thief, yet more than 5 months have passed and Chase refuses to return my money until they get the money back from the thief, even though they paid the thief, someone other than the payee. I have no control over that. There was no fraud on my end. No one claimed to be me, nor did they claim to be the payee. The check was stolen and Chase paid it without verifying they were the payee. This is their mistake, not mine. 

I have called the Chase fraud department almost every week trying to come to a resolution, and they have no news or updates. For months they tell me they are researching this. 

Moreover, they have been rude and even threatened to hang up when I ask for a manager. 
I feel I have no recourse to get my money back other than to sue Chase ( which I really do not want to do ). And so two weeks ago I told Chase that I feel the only way I will ever see my money again is to sue them. 

The next day I got a call from my bank manager saying that Chase fraud department told her that they are closing the claim because I threatened to sue them. 

How can they do that? 

Last week I called Chase 's Executive office and they said they 'd resolve this in 48 hours. Since then they have not called me back. I have called there two more times and I was told that someone would call me back that day, but no one has yet to call me. 
I realize that I really do have to go to court to get my money back. This is not right because they should not have paid someone other than the payee. 

I am also reaching out to you in the hope that there 's an easier way than court and also to find out of there is any other way for me to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Nelnet, Inc.
State: CO
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:
Student Loans.gov - I have a total of XXXX loans ( lines ). In XX/XX/XXXX - XXXX loans were consolidated with outstanding principal balances. The loans that were consolidated are still showing principal account balances. Nelnet said the loans were transferred to them and they ca n't make any changes. XXXX says they did not do the consolidation. Studentloans.gov says they ca n't help they only house the loans in a database. I attended XXXX XXXX College for on semester XX/XX/XXXX and Nelnet and XXXX show I owe over XXXX dollars for one semester. XXXX College of XXXX worked with me and Identified I owe them XXXX loans and Nelnet and StudentLoans say I owe XXXX loans over XXXX dollars, and XXXX XXXX College is over XXXX dollars. The schools identified there is an error, and studentloans.gov identified there is an error but nobody is changing it. I need help. Who can I call to help me. They are charging me XXXX in school loans. Nelnet is demanding payment but they wo n't correct the errors. They do n't have a promissory note for XX/XX/XXXX or XX/XX/XXXX for the consolidations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Chase card services will not return my money or points. 

On XXXX XXXX 2016 Chase credit card services, redeemed XXXX of my points for {$2000.00}, without my authorization. The funds were transferred into an unknown bank account that has never been associated with any of my XXXX chase cards. 

At the same time, a small purchase was flagged as possible fraud, But the redemption of cash went through with no hindrance. 
I contacted chase on XXXX XXXX and was guaranteed that the points would be returned to me within 10 business days and this was an ELEVATED case. 
I called back on XXXX XXXX to check on the status of the points and was met by bewilderment, as if it was the first time calling. However, the case is elevated and I should still receive my points by XXXX XXXX. 
I called again on XXXX XXXX just find out by a supervisor named XXXX, that more time is needed and she has NO idea of what is going on. In fact, she was irritated by my call and frustration. Making me feel that I am the problem. 
I was then told by XXXX that someone would contact me in 7 calendar days.. 

7 days later. ( Today ) I spoke to another supervisor named XXXX, Same stuff different person. They still refuse to give me a time frame and feeding me the same information ( Escalated to fraud ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-25
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
I have been told I have a Chase credit card. However I have never applied nor received one. I have been called and told it is hands of collection company and is showing on my credit as bad. How can I remove it? I have tried talking to chase and the collection company with no respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Hello I accessed my credit report today and noticed a hard inquiry from XXXX XXXX XXXX in XXXX, GA ( XXXX XXXX XXXX XXXX  / XXXX ) on XX/XX/XXXX. 

Also there is one from XX/XX/XXXX from XXXX XXXX XXXX  XXXX  ( XXXX  ) I currently have a finance loan with XXXX XXXX and never inquired with either company for one. There would be no reason as my car is almost paid off. 

Their contact number XXXX is not for XXXX XXXX XXXX. Their correct number is XXXX XXXX XXXX XXXX per XXXX. 

Also there is no contact information for the XXXX. 

I don't know how much this affects my credit however wanted to put this information on file. 

Thank You

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 2016-07-13
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage payments made to EMC Mortgage from XXXX thru XXXX were reported as 120 day late by JP Morgan Chase. Chase finalized a Hamp modification loan on XXXX. All payments prior to this date were made to EMC Mortgage. Chase has considered these payments as late yet in their own records of the account activity report for this mortgage, payments were posted as on time. No Late Fee 's Assessed. Chase refuses to correct this error even though they have been supplied with the documentation to prove their error. XXXX has also received copies of the account statements as I have disputed this non accurate reporting. NOTE : Chase has since sold mortgage to XXXX in XXXX XXXX. Chase no longer owns this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: JPMORGAN CHASE & CO.
State: OR
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I work with XXXX on behalf of the seller to help facilitate their short sale. I have uploaded and submitted all the documents needed for this short sale months ago and the investor/Chase is holding this file without any viable update on this file. It has gone from negotiator to negotiator and nobody has any answers. They are stalling the resolution on this file for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My personal information was stolen and used to open at least XXXX bank accounts and to obtain at least XXXX loans from the below listed companies. Apparently all fraudulent accounts were opened online with no confirmation in person. 
Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All companies were sent 609 ( e ) requested per FTC guideline by certified mail and were delivered no later than XX/XX/2016. None of the companies have responded with the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: M. G. Credit, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This. company M.G. Credit appears on my credit report for {$1100.00}. This debt does not belong to me - I have been XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Basically, my father opened a credit card account with Chase Card Services, using my name and Social Security Number without my permission. After adding himself as an authorized user ( again, without my permission ) He proceeded to make charges on the card, max out the credit limit, and stop paying for it, which led to the account being reported as " charge-off/collection '' on my credit report. I had no knowledge of the account previously and had no idea he was doing such a thing. When I contacted Chase Card Services and explained the situation, even though I included evidence that clearly shows that he was the one maintaining the account, they refused to help unless I pursued criminal charges against my father. I requested that they merely transfer the account out of my name and put it in his name and on his credit report, and pursue collection efforts with him, but they have so far refused and will not delete the item off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Nelnet, Inc.
State: NY
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 is servicing my loan. The loan was guaranteed by a private bank but now Nelnet owns is. Total loan was {$8000.00} at 6.8 percent interest. I am now looking at {$15000.00} owed after paying them {$130.00} a month and without any statements or fee explanations. Because they are regulated by the Dept of Education they are not allowed to refund XXXX of the interest or fees. I spoke to the guarantor and they said they would be able to refund interest and fees if the loan was still in their name. Nelnet is corrupt. There should be some consumer law that if they threaten to garnish my wages they should be showing me what they are garnishing my wages for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: JPMORGAN CHASE & CO.
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I use to bank with Chase Bank from XXXX, until I had fraudulent activity on my account Chase treated me very poor so I closed my accounts, so I thought. Chase Bank only closed XXXX which was the XXXX where the fraudulent charges were on and kept my XXXX account open from XXXX until XXXX. XXXX XXXX, 2016 they closed the account and sent me a paper in the mail stating so. They then sent me a statement of debt in XXXX to get on a payment plan or pay in full but before I could do a payment arrangement, an incident occurred. The incident that occurred started on XXXX XXXX, 2016. I was in good standing with Chase bank at the time and paid XXXX dollars in tuition for school to be federally reimbursed through the government. They reimbursed {$1200.00} of my dollars back to the debit card in which I payed tuition only because federally they have to return payment the way it was payed. The card was closed and so was the account. When I called Chase Bank to see where the money was they said the money was not received and that if the money was to come in by Law they had to return to sender because they cant take things such as taxes or tuition without permission as a payment, that 's outside of their guidelines and restrictions, yet today XXXX/XXXX/16 they took the funds and used them towards the debt owed. When I asked them how can they do that first they said it was a claim, so they took it then when I said NO, that is impossible not for a closed account, he then put me on hold and said well the debit card was linked to the delinquent account but its not. The delinquent account was closed in XXXX by the fault of Chase so they made the XXXX account delinquent. So how is it possible they take my tuition money and can keep it? Is that even legal? If so I want proper information and the guidelines on why Chase can do so, if its federal money and a closed account and debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Home at XXXX View XXXX XXXX CA XXXX has not been foreclosed on by Chase Bank after homeowner walked away in XXXX of 2015. Assesmmnts are behind and no title transfer or maintenance to property.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a single member LLC. I changed my LLC name slightly, but many of my business fees were still being paid by checks made out to the original name-my name plus LLC ( both the new LLC name & my name our on my business checking acct ). For several years, I never had any trouble depositing these checks to my account, until XXXX, 2016. XXXX XXXX of Chase 's XXXX, IL XXXX, refused to take my deposit, cause of " improper endorsement ''. I had to catch a plane, so I took the deposit back. 
While our of town, my office staff informed me that their payroll checks were denied. I called Chase & was told " my account was frozen. '' No one would tell me the reason. I was told by the bank rep that " our relationship was over. '' After making several inquiries & complaints to the bank, I was told that my account would be unfrozen in one business day. 
Upon my return, I met with XXXX XXXX ( branch mgr ) & XXXX XXXX, business banker. They dealt with me in an accusatory manner, for incorrectly endorsing checks. They stated that their actions were " not a mistake ''. Moreover, the XXXX, IL branch, ( where my billing service deposits checks sent to them on my behalf ) was told not to accept " improperly endorsed '' checks from me & this continued for up to 2 weeks time. The XXXX tellers were apparently told to watch out for me, as they alluded that they were aware I had discussions with the branch mgr .At all Chase branches I have used, I was allowed to make these deposits for years.These actions seriously impacted my cash flow ; caused embarrassment for NSF checks returned to me ; made me obligated to pay NSF fees ; had to pay wire transfer fees to repay my payroll service for covering my employees payroll. 
I had my business account with Chase, as well as XXXX personal accts. & my home mortgage. I am leaving Chase & moving all XXXX accounts out of that bank. 
Holding my hard earned money hostage without any due process is despicable. I have been a good, honest client with this bank for approx. 10 years. I want all of my out of pocket fees covered & I want to see XXXX XXXX & XXXX XXXX fired or reprimanded at the least, with a personal apology letter to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-17
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XX/XX/XXXX, I was paying $ XXXX/month during my unemployment period on a credit card. I received a telephone call from a debt collection lawyer stating that full payment was required. I acknowledged that this debt was owed however, that I could not pay the full amount but could make monthly payments of {$50.00}. I was requested to send a hardship letter which I obliged. ( I sent the representative all types of personal information ). I was told to follow-up. When I called to talk to the representative, I told her I called to find out the status and was told to pay XXXX of the debt. I informed my representative that I was unemployed and could not make that commitment. However, I could continue to make monthly payments of {$50.00}. Then she said she needed {$500.00} or legal proceeds would begin. I pleaded with her to continue the $ XXXX/month payments. She told me " go ahead and pay {$50.00} but it will not stop legal proceedings. '' I asked her what the purpose of the hardship information was, which she did not acknowledge. On XX/XX/XXXX, I received a summons to appear in court on XX/XX/XXXX. I appeared in court. At this time it was determined that a monthly payment of {$50.00} would be made. All other fees were waived as I told their attorney this is what was being paid in the first place. That this should have never escalated to court. I received a " Judgment by Agreement '' on XX/XX/XXXX from XXXX County Court in the amount of XXXX. On XX/XX/XXXX, I received a telephone call from the Collection Agent Attorney telling me that I have not made any payments. I informed them that I was driving and needed to get home to get all my records and call back. This caller was very rude. I told her she was incorrect. She told me she was " NOT GOING TO ARGUE WITH ME ''. I was in a panic because I never missed a payment in 3 years and was never late. Upon calling them back, I informed them that payments were made every month. They acknowledged that this was correct and did not offer any apology or for causing me any distress. However, to my disbelief, I was informed that the amount now due was {$13000.00}. I asked why this has increased rather than decreased due to it being a judgment. She told me that there is interest of {$2.00} daily. So as of XXXX, it increased {$2900.00}. My payments of {$50.00} are not decreasing this debt. It only continues to rise and will never decrease. I plead to your Bureau to take a serious look into the practice of this agency. I am providng documentation for you in an attempt to help your investigation. I have all dates documented along with telephone calls. I would be happy to answer any questions or provide any other information that you may have.

Company response to consumer: Closed
Consumer complaint received 2016-11-02
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I would like to file complaint against Blitt and Gaines PC. This is a third party debit collector. I have a very old debit from 2009. I have proof and documents that I had a payoff and settle agreement with another collector. Blitt and Gaines decided to garnish my wages on the same account. When I recieved notice of the garnishment I submitted proof from the other collector the settlement prior to the court date. Blitt and Gaines advised that they will not except the documents I sent and that if I paid over {$13000.00} to them they will close the account. I told them I dont have {$13000.00} and they told me they were going to go ahead and garnish and there was nothing I could do. Of course I do not know my legal rights and thought that because this stamped paper I had no defense. I then proceed to get multiple calls from other collectors for the same account. One collector advised that they would garnish my wages and I had to send proof. This got me thinking how and why. I called the origional collector and they advised on two seperate occasions that my information can be put back into the system. I called Blitt and Gaines and I guess they have held on to this account for a long time letting it build interest. When I asked why they didnt contact me they said they sent a letter over a year prior which I never recieved. When I asked why they didnt except my proof they acted like they had no idea what I was talking about. When I asked who is collecting the interested they could not give me a answer, when I mentioned I was going to record our call they hung up on me. When I asked for verification they sent me a court paper with some other collector on it, nothing said Blitt and Gaines only the envelope it came in. I found out I can contact court documents and get the same thing, I can also print off a wage garnishment form online as well. I contacted the origional collector XXXX XXXX. I was able tosubmit the proof to them. I got a call the day after I submitted the proof and they advised that this account should be closed. I had a hard time but was able to get to the collector I had the settlement with for a payoff. I submitted this to XXXX and they still havent closed the account. I have now been garnished over {$8000.00} on a settlement of {$2800.00} I also had to pay over {$200.00} in fees. This is extorshion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Mediation Recovery Center
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by Mediation Recovery Center ( XXXX XXXX XXXX, IL XXXX ) for debt that went into collection XXXX/XXXX/1992 from XXXX, when I was a minor. Naturally, I would not have been legally able to establish credit at that time. In addition to being a child in 1992, I still used my maiden last name. This company has illegally tied this debt to me and my social security number which they confirmed ( although I did n't acknowledge to them that it was correct ). This collection claim is completely fraudulent and this company needs to be thoroughly investigated for their illegal practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-23
Company: Rubin & Rothman, LLC
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX acct has XXXX insurance and they refuse to activate the insurance on the acct they prefer to go to a colledction agency which is fraud! GO AFTER THEM AND GET THEM TO ACTIVAE THE INSURANCE AS I AM XXXX

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