BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other

Complaint:
I rented a minivan including XXXX insurance from XXXX XXXX XXXX Airport XX/XX/XXXX for 4 days ; the vehicle was flood-damaged during Hurricane XXXX while parked in a hotel parking lot where I was staying in XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The local area was severely damaged and without communications, electricity/power, or water. All electronics in the car were inoperable and access could not be gained ( due to the car having only electronic locks and no key locks XXXX. With regional devastation from the hurricane, communications were not available and there was no means to contact XXXX or anyone else. After several days stranded at the hotel, I was able to get a ride to the airport for evacuation. On the way, we passed the XXXX rental car facility and noticed that it was badly damaged and appeared to have been abandoned. The first opportunity to contact XXXX was made upon my return XXXX XX/XX/XXXX through their contact page on their website. I also contacted Chase to notify them of the situation and requested closure of my account to avoid unauthorized charges. Chase informed me that even if the account was closed, the charges would still come through. 
No responses were received XXXX until XXXX separate charges were posted on my Chase Freedom Visa card XX/XX/XXXX totaling {$9700.00} plus XXXX XXXX transaction fees totaling {$290.00}. I contacted Chase multiple times to dispute the charges through several rounds of disputes, insisting that specific documentation was needed as to why the XXXX insurance was not being accepted and why I was not being provided an itemized list of the charges. I also filed an insurance claim with Chase that they also rejected claiming that it was voided by the XXXX insurance that I purchased which I informed Chase that XXXX informed me was required by XXXX law ( so there was no option for me to decline the XXXX insurance at the point of rental ). Chase is unresponsive to this information. XXXX has consistently been unresponsive and inaccessible through their various XXXX numbers and refusal to provide contact names, direct phone numbers and/or emails. 
Chase 's multiple investigations yielded a copy of my original rental agreement and what I believe is a fraudulent charge for damages, with the charge being entered into a blank Chase card imprint that XXXX also required me to leave with them at the time of the rental. I continued to insist that Chase provide specific documentation re. the insurance and charges but Chase has not been responsive and has since claimed that the charges are valid despite my protest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Chase mortgage continues to charge me {$15.00} for fees but when I call to inquire what the fees are for no one can tell me. I am current on my loan and this {$15.00} could be going toward the principle on my loan so I can pay it off sooner. All I get when I speak with someone is a promise they will find out what it is and they will call me back but I never get a return call. You assistance in this matter would be greatly appreciated. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On the morning of XX/XX/2016 I went in to my local credit union, XXXX XXXX XXXX, and initiated an international wire transfer. On XX/XX/XXXX, I went back to my credit union to inquire about the wire, because it had not been received at the other end. They said that they would send an inquiry to JP Morgan, because that 's who they use for International wires. They said I had to wait a week for an answer. So on XX/XX/XXXX I went back to my credit union again and they gave me the proof that they sent the money to Chase, but could not get anything in writing from Chase confirming that Chase had sent the wire! Since Chase would not confirm in writing that they sent the wire, I requested my money back. According to my credit union, Chase says that they are investigating, and would get back to my bank within two weeks, or maybe three months! All I want is either proof they sent the money, in writing, or the return of my funds immediately! I should not have to wait three months, they either sent it, or they need to return it. The receiving bank asked for an " XXXX '', that is a XXXX message format used for making XXXX international transfers. This wire transfer is a XXXX transfer, so why do n't they supply my bank with the XXXX information for the wire transfer, if they did it? Please help me with this, I have no one to help me, including my credit union, they will not make Chase give them proof of the transfer in writing, I am a member in good standing, but whatever Chase says, they just bow down to them. 

Thank you in advance, Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: Mid-America Accounts Control Bureau, Inc.
State: KS
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Collection agency was notified twice by XXXX of a dispute that was reported. Collection agency did not verify debt, but returned the report to XXXX as still owing the debt. However, it was paid in full. I called the Collection Agency to resolve the problem, but was told that they wo n't verify any information when they are notified of a dispute. Apparently, they will allow false information to remain on the credit report indefinitely, because they " would get nothing else done '' if they spent time correcting disputes. They also report every late or non-payment as a separate issue and debt instead of all with the same company to make as many negatives on the credit report as possible. For example, if there is a total owed to a company, they report as many separate negatives as days that the debt was owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card
Issue: Other

Complaint:
I went to XXXX to purchase tires. I made several attempts to complete the purchase with my Chase SW Visa Rewards Credit Card which shows online as having proper credit balance and current status is ok. Each time the card was declined. I called XXXX and they said the issue was with Chase Bank. I called Chase Bank and they said there was a fraud hold on the card. I asked why. They could n't tell me. They put a hold on the card without telling me and caused me to spend over an hour trying to figure out. This is a breach of the cardholder agreement and just plain wrong. They are dishonest. If they are going to restrict use of the card with new online merchants they should notify the consumer prior to doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We got a loan modification with XXXX XXXX XXXX. 
XXXX XXXX XXXX sold loan to Selene Finance but did not send modification paperwork with sale ( per Bankruptcy Lawyer ). Per FHA Selene finance has reported that we have not paid loan in 1 year and has petition Bankruptcy court to remove automatic stay to proceed with foreclosure. The amount under the modification is XXXX per month. Selene Finance has stated we should pay XXXX. The initial court date with Selene has been reset because they did not know about the modification and are trying to authenticate and validate the paperwork. We have filed dispute with credit bureaus alerting them to the erroneous information that has been reported by Selene finance. There is plenty of bad press on the web and facebook about this company and everyone has the same issues. I explained to the Selene finance Bankruptcy Department that XXXX XXXX XXXX should have included the modification paperwork in the sale of the property. I was told that if the modification checks out they might be able to go back and change payments to reflect accurately. But we have not heard anything. The reset court date is 2 weeks out. My main concern is that Selene finance did not return any of the modified payments made and did not look into the complaint we made about which mortgage is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX calls from General Revenue Corporation from various numbers for a different person. At least XXXX more calls from representatives from an unidentified debt collector organization. When I call back they all reference an individual with a similar name but different social. Each time I corrected them based on the last XXXX digits of my social being different. They apologize. Each time I inform them that I have had multiple repeat calls from them, my phone number should be removed, and their database needs to be corrected. The tell me " our system says this is the first call ''. XXXX representative became argumentative even though we had already established I was not the person he intended to reach. This is a broken system that is irritating responsible citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: Navient Solutions, LLC.
State: WA
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:
Navient is reporting my student loans XXXX/XXXX/120 days late when they were deferred or forbearance. Tried disputing but it did n't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an account with Bank of America and I mailed a check out on Tuesday XXXX, 2015 from XXXX to XXXX. I had enough money in the account to cover the check and then some. I paid my credit card before the check was cashed. I checked my account this afternoon, Thursday XXXX, 2015 and noticed I had XXXX overdraft fees for {$35.00} for a total of {$140.00}. All of these were caused because the check that was mailed was put in front of the rest of the transactions. I called Bank of America and told them that there was no way that the check got from XXXX to XXXX and was cashed before the other transactions. The person on the phone told me that they could only wave XXXX of the {$35.00} overdrafts fees. The check should not have been placed at the front of the transactions because the other transactions happened before the check was cashed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Certain time periods of time in the year we deposit checks to our personal account at BOA and also our clients deposit to the same account because of clients convenience sake.We also take business checks for business account with another bank and deposit into our personal account at BOA. Because of this process our checks have never bounced from either account. 
we have been account Bank of America since 1977

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from Syndicate office systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Syndicate office systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Someone had stole my checks and used them. This was reported and the person arrested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home was foreclosed illegally by Bank of America XX/XX/XXXX. I had requested a short sale, and modification. The papers for the modification were sent to me to send back but the foreclosure was done before the date to return the forms. Squatters had taken my home and refused to move out. I reported the squatters to B of A. They refused to do anything. I called the bank more than XXXX times trying to advise them of the squatters. The house was foreclosed and legal action was taken against me to get the squatters out. I have eviction actions on my name at the court house and I did not receive any notifications of the actions taken. I have just recently seen all the legal actions processed in my name when I was denied another credit rental action. The squatters moved into my home in XX/XX/XXXX and stayed there until XXXX or XX/XX/XXXX. I asked the police to evict them. They refused because Bank of America said it was their house and it was their responsibility to get them out and not mine. The squatters damaged the home. They stole all of the copper and the air conditioning unit. The house was infected with roaches and holes were in the walls. I have been charged with all the damage and my credit record is showing evictions I was not responsible for. I had processed a change of address but did not receive any notifications. I had requested assistance but the different depts. were not letting each other know what they were doing. My modification was being processed the same time the foreclosure was being processed. I called the attorney for B of A and was told the foreclosure was sealed. I called B of A and was told my short sale was possible and another dept had me set up for the modification and I lost m house on XX/XX/XXXX. What can I do? The process was illegal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I deposited a check into my Bank of America personal account from my business account. The deposit slip did not state a hold will be placed on the check, at the time of the deposit. However, the next day when I looked at my account I saw a hold was placed on the check even though it was already debited and paid from my business account. This resulted in a returned ACH check and a fee of {$35.00} for NSF. 
I called Bank of America and was told there is nothing that can be done even though the check from my business account was paid and the ACH will be returned.

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 2015-12-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2015 I XXXX XXXX XXXX call Bank of America N.A . to follow up answer the Bank of America N.A..They supposed provided to CFPB when they ask for extension which they never answer to CFPB. 
The outcome was that in the follow day XX/XX/2015 Bank of America officer call me and refused to provided her name and she advice The Bank of America N.A . or any affiliated or subsidiary was not related to this case at all and they do n't have any type of interest in the residential located XXXX XXXX XXXX ; XXXX, XXXX XXXX, in controversial of a paper Motion To Amend Final Summary Judgment Of Foreclosure And Rescheduled Foreclosure Sale file in XXXX County Judicial Court at XX/XX/2015. 
I requesting to CFPB to reopen in to demands answers for Bank of America , N.A . 
I want to received the respond true United State Postal service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: SLM CORPORATION
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am co-signed on student loans with my brother-in-law. He is struggling to make the payments and I do not have the money to make the payments. I have told them this in the past and they start calling me shortly after XXXX and repeatedly call me every hour all day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: Law Office of Michael J. Scott, PC
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I got this student loan through XXXX XXXX XXXX, not it is being handled by Scott & Parnell. My Grandmother got this loan for me to go to The Univeristy of XXXX in 2005. Since college I have barely been able to pay all of the bills I have because I ended up having to care for my elderly grandmother who became ill over the years. I have tried to negotiate with them, but they told me I have to pay the total amount up front. I could either do that or pay {$500.00} a month. Since I have not been working that is out of the question. I tried to neotiaate a payment years ago and they told me it was not negotiable. I believe that this loan is past the statute of limitation for suing me based on the paperwork I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Van Ru Credit Corporation
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not owe any credit card with this institution.

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 non-monetary relief
Consumer complaint received 2015-07-07
Company: Performant Financial Corporation
State: TX
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The XXXX XXXX XXXX XXXX agency is calling me numerous times a day at both my personal mobile number and my workplace. They are calling regarding account # : XXXX, regarding a claimed student loan debt. I received phone calls after I explicitly stated my workplace prohibits me from receiving such communications. I am receiving daily calls, and as of the last XXXX days, I am receiving XXXX calls a day, some with messages left. I called them back today at their number XXXX and explained I am now within my rights to file a complaint with the Texas Attorney 's General 's office, file a complaint with the Federal Trade Commission pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ), and that I intend to send a Notice to Cease Communications Letter today to their address : XXXX XXXX XXXX XXXX. XXXX, CA XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-17
Company: Performant Financial Corporation
State: VA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
It was brought to my attention by a family member recently, that in 2011 DCS ( collection agency ) offered me a settlement on my loan. Which was paid in full, but when I brought it up to XXXX XXXX representative it was ignored as if I 've said nothing. Same thing happen with US Department of Education.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: GMFS, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I became ill while working as a XXXX in XXXX XXXX. As a result of my illness and XXXX I have not been able to find gainful employment. I am a XXXX year old female with failing health. My only source of income is {$810.00} SSA Retirement Benefits and {$190.00} SNAP Food Stamps from the State of Louisiana. I was forced into bankruptcy and am now facing foreclosure. I would be forced into homelessness. I feel that I am being discriminated against and punished by my mortgage company because of my age and health which prevents me from finding employment.

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 2017-02-08
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They are trying to collect on a debt illegally. They have been reporting this debt for XXXX and a half years but according to the State of Texas, they have n't been bonded in the State of Texas since XXXX! I have repeatedly disputed this account and requested verification but they keep verifying it. Latest verification was XXXX XXXX, XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation