BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-29
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
My mortgage processor informed me XXXX hours out that we 'd have to postpone closing ( originally scheduled for XXXX XXXX ) for an undetermined period of time. This is a result of the mortgage company waiting until the last minute to conduct a follow-up appraisal and then informing me the day before the anticipated settlement date that they would be unable to close by the specified date ( after we made application with them ~XXXX months before this anticipated closing date ), forcing me to violate the terms of my purchase agreement due to the fact that we were unable to close by the date specified in the agreement of sale. The original appraisal was contingent upon septic system repairs being completed ... these repairs had been completed XXXX weeks prior to closing, but my mortgage processor waited until XXXX weeks before the closing date to tell me that this follow-up would be needed and they 'd be requesting it then. All along in this process, I 've been told we 're ahead of schedule. This is unacceptable that I was forced to postpone closing at the last minute and that they did n't tell me we 'd be forced to postpone until XXXX hours before settlement. Now the mortgage processor is saying that we wo n't be able to close until XXXX XXXX at the earliest, forcing me to pay an additional ~ {$1000.00} of interest up front that I otherwise would not have had to pay at settlement ... forcing me to do this at the last minute without warning smacks of an unfair, deceptive, and abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: JPMORGAN CHASE & CO.
State: ME
Product: Credit card
Issue: Delinquent account

Complaint:
In XX/XX/XXXX or XX/XX/XXXX I was carrying a {$47.00} credit on my Chase Visa. I think it was the balance of a credit from a return I made earlier in the year. Anyway, Chase says they sent me a check for the {$47.00} around that time. I never asked for it, I never received it, it was never deposited. Since it was n't deposited Chase put a stop on the check on XX/XX/XXXX and continued to show my {$47.00} on its books. Sometime in XX/XX/XXXX I made a {$6.00} purchase with my Chase Visa. A Chase rep tells me due to billing issues ( I assume with the vendor, not Chase ) the charge ended up on my bill due XXXX. At this point, Chase owed me {$47.00} and I owed Chase {$6.00} so Chase owed me {$40.00}. But then I get a letter from Chase, dated XX/XX/XXXX, saying it closed my account. The letter says my account was delinquent and as a " courtesy '' they cancelled the balance. I call customer service and ask them to look over my account since it should have a credit. It turns out the problem is when Chase put the stop on the check, they did n't credit the {$47.00} back to my account. They offer to send me a new check for {$47.00} and reopen the account. I asked that they credit the {$47.00} to my account, use it to pay the {$6.00} and reinstate my account. They offer to reopen the account and send me another check again. I work my way up the chain to supervisor XXXX. According to XXXX when Chase cancelled the check, the finds went into " Limbo ''. Since Chase had my funds at all times, I asked him to correct the account to show the credit on XX/XX/XXXX, timely payment of the {$6.00}, reinstate the account showing it should n't have been closed and remove any negative credit information Chase reported. He repeated the offer to send me a new check for {$47.00} and reopen the account, but said Chase would not credit the {$47.00} to the account, would n't use it to timely pay the {$6.00} charge and would n't remove/revoke this from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I XXXX XXXX XXXX wrote a check # XXXX to JP Morgan Chase for my mortgage loan - account # XXXX in the amount of XXXX which has been my mortgage payment for several years and mailed the check on XXXX/XXXX/16. JP Morgan Chase withdraw the check from my account in the amount of {$1500.00} on XXXX which resulted in a overdraft fee of {$70.00}. I spoke to XXXX at Chase who reported that the balance of {$240.00} was applied to the principle of the loan. I asked her who authorized chase to withdraw more than the check was written for. XXXX than transferred the call to XXXX in the payment research department at chase who admitted it was JP Morgan Chase mistake and stated the {$240.00} would be refiunded to me in 1-2 days. I did not receive the {$240.00} refund to date. I also informed XXXX I was charged an overdraft fee from my bank XXXX. XXXX told me to fax a copy of my statement with the amount of the overdraft fee to JP Morgan Chase Payment Research Department. I attempted to fax the statement to the Fax # he provided multiple times and the fax did not go through to the # XXXX provided. I called JP Morgan Chase and spoke to XXXX who provided me another # to fax the statement. That number transmitted my statement. Chase withdraw the incorrect amount of the check from my account but it is taking me the consumer more than the 2 days to receive my refund and overdraft back into my account. I called Chase again on XXXX/XXXX/16 and spoke to XXXX and then XXXX to inquiry what happened to my refund. I was told the refund was mailed XXXX/XXXX/16. I also requested a copy of my paper check at which I was placed on hold for XXXX min awaiting them to locate a copy of my paper check. I was told the check was located and a copy will be mailed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
There were 3 unauthorized withdrawals made to my Bank of America saving account during 3 consecutive days between XXXX to XXXX, same bank location, They took {$450.00} the first day, then another {$450.00} and the last day they tried {$850.00} but they failed to withdrew the money so then they tried once again another {$450.00}. The bank called me informing me about this suspicious transactions until the third day. They said they would investigate, after several days without any update I called the bank and someone very rude told to stop worrying about it because at the end the money is insured and they will contact me when they finish the investigation. The day after I received I call from the bank informing me they determined the transactions were authorized and they will not give me back the {$1300.00} someone stole from my acct. I ask them about photos of the person who withdrew the money they say they call me to schedule a appoint to go to the bank and they will show me the photos/video. Several days passed and still no word from them I called once again and that 's when said they will not provide photos or any other proof, they solely based their claim of the transactions being authorized because the person who withdrew the money knew the pin number. They offered me to go the police if I wanted to put a complaint. I ca n't believe the bank does n't understand when I tell them I have my Card with me 24/7, I live alone, I barely withdrawn money from this account in the last several years, only deposit, still they seem fixed in the fact the person who took the money knew the pin number.

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 2016-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Credit card
Issue: Late fee

Complaint:
Bank of America experienced failure in their auto-pay system. However, I was charged late payments, interest, and potentially other adverse affects.= This failure occurred a month ago. My auto-debit was enrolled for over a year. Auto-payment was adjusted to minimum payment. Minimum payment would have still counted as a payment. However, no auto-debit occurred. The bank account that was linked, has plenty of funds -I can prove that. 

When I was notified that i had " missed '' a payment because their auto-payment did not deduct, I used the make payment button on the home screen. According to the person I talk to day named XXXX, this applied a payment to the wrong account. 

My credit score is in the high XXXX and my credit report has no missed payments. I have also not had a missed payment with Bank of America since I opened the account in 2010. I have relationshiips with all XXXX of the major credit card companies and I can say without a doubt that my experience with Bank of America has been the worst of late. I have been transferred mid sentence and dropped. I hope that this is only a one time event and can be resolved in the future so that BOA can retain my business.

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 2016-10-07
Company: Navient Solutions, LLC.
State: FL
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 have a large amount of private student loans through XXXX now Navient - which i did n't submit for each year that they say i did. Now because i have a very large amount of private loans i ca n't afford to make the payments and have tried working out several payment plans with the loan administrator and have been unsuccessful. I did have an arrangement set up for interest only payments for about 3 years which was affordable but obviously not paying down any of the principal. Today, Navient automatically withdrew {$850.00} from my account with no notification. I tried to negotiate with them for an income based payment but they insist that they have no such program. I simply ca n't afford those payments. I will happily pay what I owe, however, that amount is absolutely not something I can afford. I called them promptly and they said that the only program I 'm eligible for is an EXTENDED payment plan, payments of $ XXXX - a little more workable which puts me not paying off my loans until XXXX at which time, I 'll most likely be DECEASED! I have begged them to put me on some sort of income based repayment program which they refuse to do. There are various reasons why I 'm in financial trouble. XXXX being that I was sick and out of work for 4 years with no insurance and just recently received a social security settlement for back pay for that time. I used all my deferment time during that period. I have since returned to work and ABSOLUTELY ca n't afford the options they 're giving me. If they do n't work with me, I will be forced to file for bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Total Card, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have received a threating letter from Total Care, Incorporated address XXXX XXXX XXXX XXXX XXXX, Falls, XXXX. 
Phone number XXXX or XXXX file # XXXX Dated of letter received : XXXX XXXX, 2016 I believe this is an overt attempt to collect on credit card that was discharged off my credit report and should n't be sent to my attention at this point. As matter of fact this is an old debt from what the letter states. Its been resolved. I was a victim of identify theft and even though this is coming to me now its been discharged period. 

Current Creditor : XXXX XXXX , XXXX, Named person is XXXX XXXX, Operations Manager Original Creditor : XXXX XXXX, XXXX. 
Original account # XXXX This is nothing but extortion of an old debt which probably was sold to this organization. I want this issue resolved and closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Social Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In the contract and statements it says after the XXXX a late fee of XXXX will be charged. But now the 10 day late letter already has the XXXX fee included. If the statement says after XXXX this will be charged that's illegal to charge the fee after day 1 and with the 10 day letter. I've also filed a complaint with the Texas State Attorney Generals office. The debt collection practices are inconsistent and confusing. I'm sending another complain to the CA SAG office. My monthly payment is {$810.00} and that should stay {$810.00} until after the XXXX of the Month. As you can see from the statements the 10 DAY LETTER already has the late fee assessed. But legally this is bound to the statement on the statements that " LATE FEES ARE ASSESSED AFTER 15 DAYS ''. They can not send me a 10 day past due notice with the late fees already assessed. I've also reached out to other Sofi members who have seen the same thing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I communicated with my credit card company on numerous occasions to resolve a claim and implement the recovery for {$2500.00}. I provided them with answers to every question they had, they simply refuse to help me, and I am at my wits end here. I have told them the assets were taken under false pretense and misleading sales tactics and marketing, I have advised them that this charge is fraudulent in it 's original intents, yet still nothing. I have constantly advised them that XXXX XXXX did not provide the services that were anticipated, which is why I 'm eligible for my refund. I can not afford to give away any more of my money. Please speak to them on my behalf. They have not considered the matter at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
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 have asked Navient several times for an income driven repayment plan as I do not have a high income. I was told that they do n't have options for income driven and that my only option was to place my loan in forbearance. I felt pressured into forbearance and was told it was my only option for payment if I could n't afford my high payments. I was never told that I could pay portions during forbearance or that I could put certain loans into forbearance and not others. Forbearance has only made my debt worse and I had to take out a loan from a family member to cover the debt caused by forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have over XXXX dollars in loans to pay back!!!! Idid not borrowed all this. But this is the total after interest which is two and half time more than i borrowred. I was told year after year given the advice to go into forbearence until my financial hardsips are overcome, ,then defer,,, then the next year defer again. I asked if i should go and consolidate all my loans into one and maybe that will bring down my interest rate into a lower interest rate..They told e it would be a bad idea to leave navient with these loans.The sad thing is that I went to school for six years got a XXXX and am still unable to get the job in my field 6 years later. As my loans plus interest keeps adding up higher and higher I am told to go into forbearence ... .now I cant get a loan to buy a home, a car, a credit card nothing becasue I owe so much!!!! I totally feel that the people I talked to year after year did not give me good advice at all. Some Of them I could not even understand them. its like We are talking about my future and my lively hood and all my loans and they did not have my best interest ... most time they would put me on hold as they could not answer my qustions!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
My information has been involved in so many breaches its become laughable. EVERY TIME there is a massive class action lawsuit. The settlement is the exact same thing, the only changes are the length of time i am supposed to receive the FREE credit monitoring. 


Reality - there really is no monitoring provided for free. This is nothing more than giving equifax an excuse to find their way in my email each and every day to try to SELL me MONITORING SERVICES. Which are available for the everyday low price of $ XXXX for a standard account or for the premium account {$34.00}. 

I am opposed to personally paying for the breaches to try to secure my confidential non public information, which was lost IN EVERY CASE by a company REQUIRED TO MAINTAIN MY INFORMATION IN A CONFIDENTIAL MANNER and failed to do so. 

Three companies- Equifax ; XXXX and XXXX XXXX run the largest financial scams that exist in America today. 

Banks and other companies PAY to sell their credit data to the three bureaus, who create files on consumers with as much attention as a kindergarten student staring at a XXXX. Im then responsible for correcting the errors so they can SELL that information to the same organizations who pay to have the information made available. 

Now, the standard resolution to class action suits is FREE CREDIT MONITORING that I HAVE TO PAY FOR? 

This fraud on the American Consumer has to stop. PLEASE HOLD SOMEONE RESPONSIBLE FOR THEIR MISHANDLING of information and make the credit monitoring become more than a revenue stream for these entities THAT NEED TO BE BROKEN UP!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Applied for credit in XXXX XXXX. Never received card. XXXX XXXX, received bill for annual fee of {$59.00}. Called company, told them I did n't have their card. Asked them to remove the fee and close the account I did n't have with them. XXXX XXXX, receive another bill with another fee saying I 'm overdue. I want them to leave me alone and not mess with my credit rating.

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 2017-01-19
Company: Navient Solutions, LLC.
State: MO
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 submitted my most recent student loan payment to Navient on XXXX/XXXX/2017 ( over twenty-four hours before it was due on XXXX/XXXX/2017 ). I immediately received an email receipt confirming that my payment had been submitted. I was informed on XXXX/XXXX/2017 that my payment was " overdue. '' Turns out that Navient had not sent the request to my bank until XXXX/XXXX/2017, a full five days after I had submitted the payment. The payment was finally processed later in the day on XXXX/XXXX/2017. I am now worried that I will be charged a late fee, not to mention the repercussions this could have on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Chase Mortgage Payoff, to get payoff amount, to payoff the remaining balance of my homeowners mortgage. I recieved the amount via email, after talking to rep and reciveing a secured password from them. I was told that there was no need to include any paper work with my payoff check. Just a specific address to send the check to. 

XXXX out check for total of payoff amount as indicated, inculding intrest through XX/XX/2022 for {$45000.00}. Addressed it to the mortage payoff branch of Chase. 

XXXX check for the {$45000.00} was cashed and taken out of personal savings account. 

XXXXreceive an inperson contact from a Chase customer that out mortage payoff check was applied to his account by mistake. He ALERTED Chase of this on XX/XX/2022, and we knew nothing of it. 

XX/XX/2022 at XXXX Called Chase customer service to report our cashed check was applied to someone else 's mortgage, and our account will be in LATE status. 
I was told that someone would contact me in 2-3 business days. 

XX/XX/2022 at XXXX XXXX- Called Chase customer service to report that I had not heard back from a rep regarding the mistake and now my mortgage is showing LATE status in payment. After she reserached, I was assured that someone would call me back in 2-3 business days. 

XX/XX/2022 at XXXX XXXX- I went into a Chase branch and sat with a rep there who called the customer service. After recording my complaint and speaking to a rep, she was told that someone would research and call me back in 2-3 busniess days. 

Chase has given me the personal account information of the customer which check was applied and he has recieved a copy of my personal check, and also all the paperwork of payoff on his mortage. As of XX/XX/2022, XXXX, nothing has been done and no one from Chase has called me regarding this issue. I have also received a new payment for my monthly mortgage that states I have late fees and have not made payment on my account, even though they cashed my check on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was advised to ask for forbearance after not being able to afford the amount they were asking me to repay. I went to a school that I was not able to obtain a job after completing the program due to not having enough work experience through my schooling. I was never able to obtain a job in the field that I paid around XXXX for and was never able to afford the amount they were requesting me to pay monthly from the beginning which ranged from XXXX-XXXX per month. Even while employed I was told to ask for forbearance and I did the maximum amount of times till recently when I have been unemployed. Needless to say all of this has affected my credit tremendously.

Company response to consumer: Closed with explanation